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Side-by-Side Comparison|Updated March 2026

Paytm HDFC Bank Business Credit Card vs SBI Card - SimplyCLICK SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePaytm HDFC Bank Business Credit CardSBI Card - SimplyCLICK SBI Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹50,000₹1,00,000
Base Reward Rate1%0.0625%
Reward CurrencyCashPointsReward Points
NetworkVisaVisa
Editor Rating7.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

SBI Card - SimplyCLICK SBI Card

  • 0% on All Other Online Spends
  • 0% on Partner Brands

Pros & Cons

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Our Verdict

Both Paytm HDFC Bank Business Credit Card and SBI Card - SimplyCLICK SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

Choose SBI Card - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

Frequently Asked Questions

Which is better: Paytm HDFC Bank Business Credit Card or SBI Card - SimplyCLICK SBI Card?
Both Paytm HDFC Bank Business Credit Card and SBI Card - SimplyCLICK SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Paytm HDFC Bank Business Credit Card and SBI Card - SimplyCLICK SBI Card?
Paytm HDFC Bank Business Credit Card has an annual fee of ₹500, while SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Paytm HDFC Bank Business Credit Card or SBI Card - SimplyCLICK SBI Card?
Paytm HDFC Bank Business Credit Card offers a base reward rate of 1% with accelerated rewards on Paytm Recharge, Utility, Mo... and Other Paytm Spends. SBI Card - SimplyCLICK SBI Card offers 0.0625% base rewards with bonuses on All Other Online Spends and Partner Brands. The better choice depends on your primary spending categories.
Can I have both Paytm HDFC Bank Business Credit Card and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Paytm HDFC Bank Business Credit Card and SBI Card - SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Paytm HDFC Bank Business Credit Card or SBI Card - SimplyCLICK SBI Card?
For beginners, SBI Card - SimplyCLICK SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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