What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and SBI SimplyCLICK Credit Card?

HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. SBI SimplyCLICK Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; SBI SimplyCLICK Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

HDFC Bank MoneyBack Plus Credit Card: same rate online and offline. SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline.

What is the forex markup on each card?

HDFC Bank MoneyBack Plus Credit Card: not disclosed. SBI SimplyCLICK Credit Card: 3.5% (plus 18% GST on the markup).

Card Comparison

HDFC MoneyBack Plus vs SBI SimplyCLICK

HDFC MoneyBack Plus vs SBI SimplyCLICKcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank MoneyBack Plus

HDFC Bank

Fee₹500+GST

Eff. rate0.33%

Cap₹2,500

Fee

₹500+GST

Eff. rate

0.33%

Cap

₹2,500

SBI SimplyCLICK

SBI Card

Fee₹499+GST

Eff. rate0.25%

Cap₹10,000

Fee

₹499+GST

Eff. rate

0.25%

Cap

₹10,000

Quick take

How they compare

HDFC MoneyBack Plus and SBI SimplyCLICK suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 13 partner deals vs 5. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC MoneyBack Plus

Annual fee: ₹500 + GST
Everyday rate: 0.3%
Monthly cap: ₹2,500/mo

Notable strengths

Flat rewards on every spend

SBI SimplyCLICK

Annual fee: ₹499 + GST
Everyday rate: 0.3%
Monthly cap: ₹10,000/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

58 specs · 13 sections

HDFC Bank MoneyBack Plus

SBI SimplyCLICK

Feature

HDFC Bank MoneyBack Plus

SBI SimplyCLICK

Annual Fee

₹500

₹499

Joining Fee

₹500

₹499

Fee Waiver Spend

₹50,000

₹1,00,000

Forex Markup

—

3.5%

Reward Type

Reward Points

Base Rate

0.33%

0.25%

Online Rate

—

1.25%

Offline Rate

—

0.25%

Effective Base Rate

0.33%

0.25%

Point Value

₹0.25

Redemption Quality

MEDIUM

Best Redemption

₹0.25

Worst Redemption

₹0.15

Amazon

3.33%

1.25%

Apollo Pharmacy

—

2.5%

Bigbasket

3.33%

—

Bookmyshow

—

2.5%

Cleartrip

—

2.5%

Grocery / Supermarkets

0.33%

1.25% online / 0.25% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.33%

1.25% online / 0.25% offline

Flights, Hotels, OTAs, Tour Operators

0.33%

1.25% online / 0.25% offline

Other Retail / Catch-all

0.33%

1.25% online / 0.25% offline

Monthly Cap

₹2,500

₹10,000

Est. Annual Cap

₹30,000

₹1,20,000

Total Excluded

4 categories

6 categories

Online Gaming / Betting

Earns rewards

Excluded

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

Forex Markup

—

3.5%

Description

500 CashPoints on card issuance

Amazon Gift Card Worth Rs. 500

Estimated Value

₹125

₹400

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping

individuals looking for an entry-level shopping credit card with minimal charges and a decent reward rate. Those who simply want an SBI Credit Card to enjoy ongoing offers can also consider this option, as it meets all the basic requirements and provides accelerated reward points across several popular brands and platforms.

Min Income

₹20,000/month

Not specified

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Mastercard

Card Tier

Classic

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and SBI SimplyCLICK Credit Card?: HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. SBI SimplyCLICK Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; SBI SimplyCLICK Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: HDFC Bank MoneyBack Plus Credit Card: same rate online and offline. SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline.
What is the forex markup on each card?: HDFC Bank MoneyBack Plus Credit Card: not disclosed. SBI SimplyCLICK Credit Card: 3.5% (plus 18% GST on the markup).

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - HDFC MoneyBack Plus · SBI Card - SBI SimplyCLICK