SBI SimplyCLICK vs HDFC Millennia: Which Credit Card Is Better for 2025? Full Comparison for Shoppers

Online shopping have become a everyday part of life for many people in India. Credit card is becoming more popular now adays and it has become easy mode of payment as they give cashback or rewards for online purchases from different websites. Best credit card for online shopping are the SBI SimplyCLICK and HDFC Millennia credit cards. These cards are made for people who shop online alot and want to save money on their purchases from sites like Amazon, Flipkart, Myntra, and more.

SBI SimplyCLICK vs HDFC Millennia: Comparison Table

Feature-By-Feature Comparison

1. Fees & Welcome Benefits

• SBI SimplyCLICK: ₹499/yr (Amazon voucher worth ₹500 on joining). Waived on ₹1L annual spend.
• HDFC Millennia: ₹1,000/yr (1,000 CashPoints on joining, equal to ₹1,000 cashback). Also waived at ₹1L annual spend.

2. Cashback & Rewards

• SimplyCLICK:
  • 10X points (8 partners, see table) on eligible online spends.
  • 5X on other online spends.
  • 1X on offline.
  • 4 points = ₹1. Max value: up to 2.5% on select partners.
• Millennia:
  • 5% cashback as CashPoints (10 brands: Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, Tata CLiQ, etc.).
  • 1% cashback elsewhere (excl. fuel/rent).
  • Capped at 1,000 CashPoints/month for 5% and 1,000 for 1% category (i.e., up to ₹1,000/month cashback).

3. Lounge Access

• SimplyCLICK: None.
• Millennia: 8 complimentary domestic airport lounge visits/year.

4. Milestone Benefits

• SimplyCLICK:
  • ₹2,000 Cleartrip/Yatra voucher at ₹1L and again at ₹2L spend/year (max ₹4,000 vouchers/yr).
• Millennia:
  • ₹1,000 voucher every quarter on spends of ₹1L in that quarter (up to ₹4,000/yr).

5. Other Perks/Drawbacks

• SBI SimplyCLICK Pros:
  • Lower entry fee, easier milestone achievement for casual online shoppers.
  • Simple reward structure.
  • Great for Amazon, BookMyShow, Myntra, etc.
  • Fuel surcharge waiver (1% per cycle, up to ₹100).
• Cons:
  • No lounge access.
  • No dining/travel/insurance perks.
• HDFC Millennia Pros:
  • Large partner network including food delivery and ride-hailing.
  • High monthly cashback cap.
  • Airport lounge access, dining offers, and gift vouchers.
  • Useful for frequent, high-volume online shoppers.
• Cons:
  • Higher annual fee (though waived at ₹1L spend).
  • More spending needed to unlock max value.

Verdict: Which Card Should You Choose?

• Choose SBI SimplyCLICK if:
  • You want a low-fee card for mainly e-commerce spending (especially partners).
  • You are new to credit, want simple rewards and milestone vouchers.
  • Your annual spend is moderate (under ₹2L) and you don’t need lounge access.
  👉 [Apply Now for SBI SimplyCLICK]
• Choose HDFC Millennia if:
  • You spend heavily online every month, use food delivery and cabs, and want higher total cashback.
  • You value airport lounge access, multiple perks, and want maximum returns for bigger spends.
  👉 [Apply Now for HDFC Millennia]

Both cards waive the fee at ₹1L annual spend—so focus on your preferred merchants and typical monthly spend to decide.

Also Read:

• Equitas Excite HDFC Bank Credit Card
• Equitas Elegance HDFC Bank Credit Card
• Best UPI Credit Card

FAQs

Q1: Can I get both SBI SimplyCLICK and HDFC Millennia cards?
Yes, you can hold both as long as you meet each bank’s credit eligibility.

Q2: Which card offers better online rewards?
HDFC Millennia delivers higher monthly cashback if you maximize spend on its 10 partners. SBI SimplyCLICK gives stronger rewards at specific e-commerce sites and hits higher value if you prefer vouchers.

Q3: Do these cards have fuel surcharge waivers?
Yes, both waive 1% fuel surcharge up to monthly caps.

Q4: Is lounge access included?
Only HDFC Millennia offers 8 domestic lounge visits per year.

Q5: Are the annual fees worth it?
If you hit ₹1L/yr spend, both cards waive the fee, making them “free” if used actively.

Q6: Can the milestone vouchers be combined with cashback?
Yes, milestone vouchers are over and above regular cashback/rewards.

Q7: What’s the minimum credit score needed?
Generally, 700+; banks will check income, CIBIL, and repayment history.

Q8: Which card is easier to get for first-timers?
SBI SimplyCLICK has a lower entry barrier and is popular among new cardholders.

Maximize your shopping rewards in 2025—pick your match, and hit “Apply Now” to start saving on every online purchase!

Note: For live affiliate “Apply Now” links, integrate your bank’s or card comparison partner’s tracking URLs as button CTAs under each section.