Equitas Excite Hdfc Bank Credit Card vs Simplyclick Sbi Visa Credit Card: Which is Better in 2026?
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When comparing the Equitas Excite Hdfc Bank Credit Card and the Simplyclick Sbi Visa Credit Card, both cards offer unique benefits tailored to different spending habits. The Equitas Excite card focuses on utility and fuel rewards, while the Simplyclick card emphasizes online shopping rewards and offers a welcome gift.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Equitas Excite Hdfc Bank Credit Card | Simplyclick Sbi Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs. 500 | — |
| Annual / renewal fee | Renewal Fee of Rs.500 | Annual Fee of Rs.499 |
| Annual fee waiver | Spend Rs.20000 For Joining Fee Waiver | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | Earn 3X Reward Points on Utility Bills | Earn 10X Reward Points on BookMyShow |
| Welcome benefit | — | Amazon Gift Card Worth Rs.500 |
| Milestone benefit | Earn 500 Bonus Rewards Points; Earn 2500 Bonus Rewards Points | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Simplyclick Sbi Visa Credit Card is superior, offering 5X reward points on online spends and additional 10X points on select platforms like Myntra and Swiggy. In contrast, the Equitas Excite Hdfc Bank Credit Card provides 3X points on utility bills, fuel, and other categories, which may appeal to those with diverse spending but lacks the high multipliers of the Simplyclick card.
Which is better for travel?
Both cards do not offer significant travel benefits such as lounge access or travel-related rewards. However, the Equitas Excite card does provide rewards on IRCTC transactions, which could be beneficial for frequent travelers. The Simplyclick card, while lacking direct travel rewards, offers vouchers for travel-related spending, making them comparable in this dimension.
Which has lower effective cost?
The Simplyclick Sbi Visa Credit Card has a slightly lower effective cost due to its annual fee of Rs.499, which can be waived with a spend of Rs.1 lakh. The Equitas Excite card has a joining and renewal fee of Rs.500, with a waiver condition of Rs.20,000 spend, which may be more challenging for some users to achieve.
Who should pick Equitas Excite Hdfc Bank Credit Card?
Consider Equitas Excite Hdfc Bank Credit Card if you frequently pay utility bills or taxes, as it offers 3X reward points in these categories. This card is also suitable for beginners looking for a straightforward rewards structure without the complexity of high spend requirements.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick Sbi Visa Credit Card if you often shop online, as it provides substantial rewards for online purchases and specific platforms. The welcome benefit of an Amazon gift card adds immediate value, making it a great choice for regular online shoppers.
Frequently Asked Questions
The joining fee is Rs. 500.
You can waive the renewal fee by spending Rs. 1 lakh.
Both cards have a forex markup fee of 3.5% on foreign currency transactions.
Neither card offers domestic or international lounge access.