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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI Card vs HDFC Bank Equitas Excite Credit Card

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

SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - SimplyCLICK SBI CardHDFC Bank Equitas Excite Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.0625%0.2666666666666667%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.5/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

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

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

Pros & Cons

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.

HDFC Bank Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

Our Verdict

SBI Card - SimplyCLICK SBI Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - SimplyCLICK SBI Card if

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

Choose HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Frequently Asked Questions

Which is better: SBI Card - SimplyCLICK SBI Card or HDFC Bank Equitas Excite Credit Card?
SBI Card - SimplyCLICK SBI Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - SimplyCLICK SBI Card and HDFC Bank Equitas Excite Credit Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or HDFC Bank Equitas Excite Credit Card?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on All Other Online Spends and Partner Brands. HDFC Bank Equitas Excite Credit Card offers 0.2666666666666667% base rewards with bonuses on Grocery and Utility Bills. The better choice depends on your primary spending categories.
Can I have both SBI Card - SimplyCLICK SBI Card and HDFC Bank Equitas Excite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and HDFC Bank Equitas Excite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - SimplyCLICK SBI Card or HDFC Bank Equitas Excite Credit 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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