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HDFC Bank Millennia Credit Card Vs. SBI SimplyCLICK Credit Card

HDFC Bank Millennia Credit Card

HDFC Bank Millennia Credit Card

SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card

Comparison of HDFC Bank Millennia Credit Card and SBI SimplyCLICK Credit Card

Feature
HDFC Bank Millennia Credit Card
SBI SimplyCLICK Credit Card
Annual Fee
₹1,000 + GST
₹499 + GST (waived on ₹1 lakh spends)
Joining Fee
₹1,000 + GST
₹499
Welcome Benefits
N/A
₹500 Amazon voucher
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •Welcome Bonus
  • •Cashback on Top Merchants
  • •Universal Cashback
  • •Quarterly Vouchers
  • •Annual Fee Waiver
  • •Exclusive Online Rewards
  • •Welcome Gift
  • •Milestone Benefits
  • •Low Annual Fee
  • •Fuel Surcharge Waiver
Dos
  • Use the card on top partner merchants to earn maximum 5% cashback
  • Pay the entire outstanding amount by the due date to avoid interest charges
  • Track CashPoints regularly and redeem them for best value options
  • Plan quarterly spending to reach ₹1 lakh threshold for gift vouchers
  • Keep the card secure and report loss or theft immediately to the bank
  • Use the card for online purchases to maximise 10X reward points
  • Pay your credit card bill on time to avoid interest
  • Track your reward points and redeem them
  • Opt for Flexipay or EMI on high-value purchases if needed
  • Keep your card in a safe place and use contactless payments when possible
Don'ts
  • Avoid overspending beyond repayment capacity just to earn cashback or reach milestones
  • Do not pay only the minimum amount due regularly as interest accumulates on balance
  • Ignore transaction alerts or monthly statements; review them promptly for accuracy
  • Share card details, CVV, PIN, or OTP with anyone, including people claiming to be bank staff
  • Use the card for cash withdrawals unless absolutely necessary due to high charges
  • Avoid overspending beyond your repayment capacity
  • Do not miss the minimum payment
  • Ignore transaction alerts; they help prevent fraud
  • Share card details with untrusted sources
  • Use the card for cash advances unless necessary

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