You are comparing
HDFC Regalia Credit Card
SBI SimplyCLICK Credit Card
₹ 2,500
₹ 2,500
Waived off on annual spends of Rs. 3 Lakh
₹ 499
₹ 499
NA
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NA
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Amazon voucher worth Rs. 500 on payment of joining fee
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4 reward points per Rs. 150 spent on all retail spends
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10X reward points on online partner brands: BookMyShow, Swiggy, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds & Cleartrip
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5X reward points on all other online spends
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1 reward point per Rs. 100 spent offline
Up to 8 complimentary airport lounge visits within India and up to 6 lounge access per year outside India via Priority Pass
NA
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Good reward rate across all categories
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Multiple redemption options
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Complimentary lounge access
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Low forex mark-up fee
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10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more
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Low annual fee and comparatively easier eligibility terms
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Easily achievable fee waiver condition of Rs. 1 Lakh in a year
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Lounge access is subject to reaching spend milestones
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Spend threshold for milestone benefits is too high
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Limited options for reward redemption
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Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card
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The array of collaborated brands under the accelerated earnings is not impressive
People who can satisfy the fee waiver and lounge access spending conditions to make the most of the card features and those who frequently dine out
Beginners looking for a card that offers higher rewards on online spends, especially on partnered brands, like Dominos, Cleartrip, BookMyShow & more