Compare : SBI SimplyCLICK Credit Card vs IDFC FIRST Millennia Credit Card

Amazon voucher worth Rs. 500 on payment of joining fee

Rs. 500 welcome voucher on spending Rs. 5,000 within the first 30 days

5% cashback up to Rs. 1,000 on the first EMI done within the first 30 days

10X reward points on online partner brands: BookMyShow, Swiggy, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds & Cleartrip

5X reward points on all other online spends

1 reward point per Rs. 100 spent offline

10X reward points on birthday spends & spends made after reaching Rs. 20,000 monthly spends

3X reward points on online & offline purchases for up to Rs. 20,000 monthly spends

Unlimited reward points that never expire

Reward points can be used to instantly pay for purchases

1 Reward point = Rs. 0.25

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10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more

Low annual fee and comparatively easier eligibility terms

Easily achievable fee waiver condition of Rs. 1 Lakh in a year

Lifetime-free credit card

Joining benefits worth up to Rs. 1,500 despite not charging any card fee

Movie discount every month with savings of up to Rs. 1,200 in a year

Up to 16 complimentary railway lounge visits per year

Interest-free ATM cash withdrawals for up to 45 days

Limited options for reward redemption

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

The array of collaborated brands under the accelerated earnings is not impressive

Monthly spend-based condition on 10X rewards

Low reward rate and redemption value

Beginners looking for a card that offers higher rewards on online spends, especially on partnered brands, like Dominos, Cleartrip, BookMyShow & more

Beginners who do not travel much, can make use of dining, movie & other merchant discounts, and wish to earn rewards on their spends