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SimplyCLICK SBI Card vs HDFC Bank Millennia

Verified 11 sources

Your monthly spend

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹2,600 a year at ₹30,000 a month: ₹3,400 against ₹800, after fees

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹10,400 a year at ₹75,000 a month: ₹12,500 against ₹2,100, after fees

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹11,800 a year at ₹1.5 lakh a month: ₹16,000 against ₹4,200, after fees

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹7,500 a year at ₹3 lakh a month: ₹16,000 against ₹8,500, after fees

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹1,900 a year at ₹5 lakh a month: ₹16,000 against ₹14,100, after fees

SBI Card

SimplyCLICK SBI Card

Our verdict: Keep

HDFC Bank Millennia credit card

HDFC Bank

HDFC Bank Millennia

Our verdict: Keep

HDFC Bank Millennia vs SimplyCLICK SBI Card: which should you pick?

The two online-shopping entry cards. SimplyCLICK pays 10X at eleven partners including Cleartrip, Yatra, Myntra and Swiggy and 5X on other online spend up to 10,000 points a month, in SBI Reward Points at four to the rupee, so 2.5% and 1.25%, and 0.25% offline; Millennia pays a rupee a point — 5% at ten named merchants and 1% elsewhere, each capped at 1,000 CashPoints a calendar month. Millennia out-earns SimplyCLICK at every spend level the page tests. ₹499 against ₹1,000, both waived at ₹1,00,000 of spend; both charge 3.5% abroad, and Millennia's only lounge is a quarterly voucher you take instead of ₹1,000 of brand vouchers.

Whatever you spend between ₹25,000 and ₹5 lakh a month, HDFC Bank Millennia comes out roughly ₹2,000 a year ahead of SimplyCLICK SBI Card. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Bank Millennia returns ₹12,500 a year in rewards to SimplyCLICK SBI Card's ₹2,100. SimplyCLICK SBI Card is the better pick if you would rather pay less to get the card: SimplyCLICK SBI Card costs ₹499/yr, HDFC Bank Millennia ₹1,000/yr.

HDFC Bank Millennia's ongoing earn stops at ₹1,00,000 of spend a month, where SimplyCLICK SBI Card's doesn't; SimplyCLICK SBI Card pays 2 annual spend milestones, the first at ₹1,00,000 a year, and HDFC Bank Millennia pays none.

SimplyCLICK SBI Card review HDFC Bank Millennia review

Side by side

SimplyCLICK SBI Card and HDFC Bank Millennia, fact by fact
FactSimplyCLICK SBI CardHDFC Bank Millennia
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹499/yr✓ Better₹1,000/yr
Fee waiverSpend ₹1,00,000 a yearSpend ₹1,00,000 a year
Reward rate on everyday spend0.3%1.0%✓ Better
PointsSBI Reward PointsHDFC Bank CashPoints
Our value per point₹0.25 †₹1.00 †
Transfer partnersNoneNone
Lounges it gets you into0 of 7920 of 792
Forex markup3.5% + GST3.5% + GST
Welcome benefitAn Amazon.in e-gift card worth ₹500 on payment of the ₹499 annual fee — the fee back, in Amazon credit1,000 CashPoints (₹1,000 as statement credit) on payment of the joining fee — and nothing at all on renewal

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. HDFC Bank Millennia is ahead on 7 of the 8 rows we can call.

More facts 8 rows
Rank, verdict, lounge visits and fine print
FactSimplyCLICK SBI CardHDFC Bank Millennia
Our rank#267#137✓ Better
Our verdictKeepKeep
Lounge visits in IndiaNone — no complimentary lounge access1 HOI lounge voucher per calendar quarter — but only INSTEAD of the ₹1,000 milestone voucher, never as well
Lounge visits abroadNoneNone
Forex, in the bank’s words3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers3.5% + GST
Interest (APR)up to 3.75%/mo (45%/yr) — the SBI MITC's rate for every unsecured card3.75%/mo (45%/yr)
Income needed (salaried)not published₹35,000+/month net
Income needed (self-employed)not publishedITR ₹6L+/yr

† SimplyCLICK SBI Card: SBI Reward Points are 4 to the rupee against the rewards catalogue — ₹0.25 a point, and that is both the floor and the ceiling. They reach no airline, no hotel and no transfer partner of any kind, so the travel value on this card lives entirely in the Cleartrip and Yatra earn and the Cleartrip and Yatra vouchers, not in the currency. Points expire 24 months from accrual, and after a voluntary card closure you get 30 days to redeem before the balance lapses — close the card any other way and it is forfeited outright.

† HDFC Bank Millennia: Millennia's CashPoints are worth ₹1 each — but only against the statement, only above a 500-point minimum, only 3,000 points a calendar month, and only after a ₹50 redemption fee HDFC added on 1 August 2024. Point them at travel and they collapse to ₹0.30: that is the rate on SmartBuy flights and hotels, on the rewards catalogue, and on Airmiles, and the catalogue route adds ₹99 + taxes of handling on top. Flight and hotel bookings can absorb at most 50% of the fare in points, capped at 50,000 points a month. There is no transfer partner — this currency does not reach an airline programme at all.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendSimplyCLICK SBI CardHDFC Bank Millennia
At ₹30,000 a month₹800₹3,400✓ Better
At ₹75,000 a month₹2,100₹12,500✓ Better
At ₹1.5 lakh a month₹4,200₹16,000✓ Better
At ₹3 lakh a month₹8,500₹16,000✓ Better
At ₹5 lakh a month₹14,100₹16,000✓ Better
Pays for itself from₹9,000 a month, by waiving its fee₹9,000 a month

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
SimplyCLICK SBI Card and HDFC Bank Millennia at each ₹25,000 step
Monthly spendSimplyCLICK SBI CardHDFC Bank MillenniaAhead
₹25,000₹700₹2,800✓ BetterHDFC Bank Millennia by ₹2,100
₹50,000₹1,400₹9,600✓ BetterHDFC Bank Millennia by ₹8,200
₹75,000₹2,100₹12,500✓ BetterHDFC Bank Millennia by ₹10,400
₹1 lakh₹2,800₹15,300✓ BetterHDFC Bank Millennia by ₹12,500
₹1.25 lakh₹3,500₹16,000✓ BetterHDFC Bank Millennia by ₹12,500
₹1.5 lakh₹4,200₹16,000✓ BetterHDFC Bank Millennia by ₹11,800
₹1.75 lakh₹4,900₹16,000✓ BetterHDFC Bank Millennia by ₹11,100
₹2 lakh₹5,600₹16,000✓ BetterHDFC Bank Millennia by ₹10,400
₹2.25 lakh₹6,300₹16,000✓ BetterHDFC Bank Millennia by ₹9,700
₹2.5 lakh₹7,100₹16,000✓ BetterHDFC Bank Millennia by ₹8,900
₹2.75 lakh₹7,800₹16,000✓ BetterHDFC Bank Millennia by ₹8,200
₹3 lakh₹8,500₹16,000✓ BetterHDFC Bank Millennia by ₹7,500
₹3.25 lakh₹9,200₹16,000✓ BetterHDFC Bank Millennia by ₹6,800
₹3.5 lakh₹9,900₹16,000✓ BetterHDFC Bank Millennia by ₹6,100
₹3.75 lakh₹10,600₹16,000✓ BetterHDFC Bank Millennia by ₹5,400
₹4 lakh₹11,300₹16,000✓ BetterHDFC Bank Millennia by ₹4,700
₹4.25 lakh₹12,000₹16,000✓ BetterHDFC Bank Millennia by ₹4,000
₹4.5 lakh₹12,700₹16,000✓ BetterHDFC Bank Millennia by ₹3,300
₹4.75 lakh₹13,400₹16,000✓ BetterHDFC Bank Millennia by ₹2,600
₹5 lakh₹14,100₹16,000✓ BetterHDFC Bank Millennia by ₹1,900
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 0 and 0

SimplyCLICK SBI Card's SBI Reward Points cannot be moved to any airline or hotel; HDFC Bank Millennia's HDFC Bank CashPoints cannot be moved to any.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

SimplyCLICK SBI Card

  • 0.25% on everything offline — one Reward Point per ₹100 at four points to the rupee
  • No lounge access of any kind, domestic or international, and 3.5% forex
  • SBI Reward Points reach no airline and no hotel programme — ₹0.25 in the catalogue is the floor and the ceiling

6 more on its page

HDFC Bank Millennia

  • The lounge is an EITHER/OR: one HOI lounge voucher or a ₹1,000 brand voucher per quarter, never both — 4 visits a year at absolute best
  • Complimentary lounge access was withdrawn on 30 Nov 2023; walk-in visits on the card are now charged at the lounge's own rate
  • Points are ₹1 only as statement credit — ₹0.30 on SmartBuy flights, hotels, catalogue and Airmiles

6 more on its page

Common questions 5 answered

Which is better, SimplyCLICK SBI Card or HDFC Bank Millennia?

Whatever you spend between ₹25,000 and ₹5 lakh a month, HDFC Bank Millennia comes out roughly ₹2,000 a year ahead of SimplyCLICK SBI Card. At ₹75,000 a month the gap is mostly what each card earns on your spend: HDFC Bank Millennia returns ₹12,500 a year in rewards to SimplyCLICK SBI Card's ₹2,100. SimplyCLICK SBI Card is the better pick if you would rather pay less to get the card: SimplyCLICK SBI Card costs ₹499/yr, HDFC Bank Millennia ₹1,000/yr.

SimplyCLICK SBI Card or HDFC Bank Millennia: which is worth more at ₹3 lakh a month?

HDFC Bank Millennia beats SimplyCLICK SBI Card by ₹7,500 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, SimplyCLICK SBI Card or HDFC Bank Millennia?

SimplyCLICK SBI Card: ₹499/yr against ₹1,000/yr. SimplyCLICK SBI Card waives its fee if you spend ₹1,00,000 a year; HDFC Bank Millennia waives its fee if you spend ₹1,00,000 a year.

Which gets you into more airport lounges, SimplyCLICK SBI Card or HDFC Bank Millennia?

Both get you into 0 of the 792 lounges we track.

How current is this comparison?

SimplyCLICK SBI Card was last checked against its bank's own documents on 3 Oct 2026, HDFC Bank Millennia on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

SimplyCLICK SBI Card was last checked against its bank's own documents on 3 Oct 2026, HDFC Bank Millennia on 24 Oct 2026. Every fact above comes from these 11 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 11 sources
  1. Official SBI's Reward Point terms for this card — the 5X cap at 10,000 points a month, the affiliate- channel carve-out on Cleartrip and Yatra, and the rent, government and gaming exclusions read
  2. Official SBI's own product record — the eleven 10X partners including Cleartrip and Yatra, the ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of online spend, and isOnline "yes" read
  3. Official The card's own Terms & Conditions — the exclusion list, the 24-month point expiry and the 30-day window to redeem after closing the card read
  4. Official SBI's MITC — SimplyCLICK SBI Card ₹499 annual and renewal, waived on ₹1 lakh of spend in the preceding year, and a 3.5% foreign-currency transaction fee read
  5. Official Key Fact Statement — SimplyCLICK ₹499 joining and ₹499 renewal, waived on ₹1 lakh of spend in the preceding year read
  6. Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against read
  7. Official HDFC Bank's Millennia product page — the 5%/1% CashBack structure, the quarterly milestone, and the redemption grid (₹1 statement, ₹0.30 SmartBuy, ₹0.30 Airmiles) read
  8. Official Millennia product T&C, published 20 July 2026 — the 1,000-CashPoint monthly cap on both earn buckets, and "1 CashPoint = ₹1 for Millennia Credit Card Holders" read
  9. Official "HDFC Bank Millennia Credit Card — Lounge Access", published 6 Feb 2026: the lounge is one option on the quarterly voucher list, and the old 2-a-quarter quota is gone read
  10. Official HDFC Bank personal-cards MITC, version 4.15 dated October 2026 — Millennia at ₹1 lakh annual-spend waiver, 3.5% forex, and lounge access "via vouchers" read
  11. Official Millennia fees & charges page — "Joining/renewal membership fee: ₹1,000 plus applicable taxes", waived on ₹1 lakh of spend before the renewal date read

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