The SBI SimplyCLICK and HDFC Millennia are two of the highest-issued mid-range credit cards in India. Both target the online shopper. Both sit just below the ₹1,000 annual-fee mark. They are remarkably similar on paper — and meaningfully different in practice. Here's how they stack up.
Fees at a glance
| Metric | SBI SimplyCLICK | HDFC Millennia |
|---|---|---|
| Joining fee | ₹499 | ₹1,000 |
| Annual fee | ₹499 | ₹1,000 |
| Fee waiver | ₹1 lakh/year | ₹1 lakh/year |
| Interest rate | 3.5% p.m. | 3.6% p.m. |
| Foreign-txn fee | 3.5% | 3.5% |
SimplyCLICK wins on sticker price: half the fee. Both waive on the same ₹1L threshold.
Rewards: different engines, similar payout
SimplyCLICK uses a points system:
- 10x reward points on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Apollo 24|7
- 5x reward points on all other online spends
- 1x on offline spends
- Redemption rate: 1 point ≈ ₹0.25 (statement credit)
Millennia uses direct cashback:
- 5% cashback (as CashPoints) on 10 online merchants: Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Sony LIV, BookMyShow, Tata CLiQ, Cult.fit
- 1% on all other spends
- CashPoints redeem 1:1 as statement credit
Effective rate on a ₹10,000 Amazon purchase:
- SimplyCLICK: 10 × 1 point per ₹100 × ₹0.25 = ₹250 back (2.5%)
- Millennia: ₹500 back (5%)
Millennia wins on Amazon. But SimplyCLICK's partner list includes Cleartrip — the cheapest flight/train/hotel booking portal in India — which Millennia does not. If you book flights regularly, that 10x on Cleartrip matters.
Perks and benefits
| Benefit | SimplyCLICK | Millennia |
|---|---|---|
| Lounge access | No | 8 domestic/year (2 per quarter) |
| Welcome bonus | ₹500 Amazon voucher | 1,000 CashPoints |
| Fuel surcharge waiver | 1% up to ₹100/month | 1% up to ₹250/month |
| Milestone bonus | ₹2,000 on ₹1L quarterly | ₹1,000 on ₹1L quarterly |
Millennia's 8 complimentary lounge visits per year are a clear win — that benefit alone is worth ~₹8,000 at drop-in rates.
Who should pick which?
Pick SBI SimplyCLICK if:
- You book Cleartrip flights or hotels more than twice a year.
- You want the lowest annual fee in this tier.
- You prefer SBI's ATM/branch network or already bank there.
Pick HDFC Millennia if:
- Your online spending is spread across Amazon/Flipkart/Myntra/Swiggy — the 5% effective rate is simply higher.
- You fly domestic at least 2× a year — the lounge access pays for the card.
- You already bank with HDFC — app integration is better.
Our verdict
For most Indians in 2026, HDFC Millennia is the slightly better pick — higher effective cashback, lounge access, stronger app experience. SBI SimplyCLICK wins on fee and on the Cleartrip category boost.
FAQs
Can I hold both cards?
Yes. Many frequent online shoppers do — Millennia for the 5% merchants, SimplyCLICK for Cleartrip. Just keep total utilisation below 30% of combined limits to protect your score.
Which is easier to get approved?
Both approve at ₹25,000+ monthly salary with a CIBIL above 700. SimplyCLICK tends to approve slightly faster for SBI savings-account holders.