Equitas Excite Hdfc Bank Credit Card vs Simplyclick Sbi Visa Credit Card: Which is Better in 2026?
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The Equitas Excite Hdfc Bank Credit Card and the Simplyclick Sbi Visa Credit Card both offer distinct rewards tailored to different spending patterns. Equitas Excite focuses on accelerated points for essential payments like IRCTC, fuel, groceries, and utility bills, while Simplyclick SBI emphasizes e-commerce and wellness shopping rewards. Both cards have similar forex markup fees and fuel surcharge waivers but differ in joining fees and milestone benefits.
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 | Renewal 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 IRCTC | Earn 10X Reward Points on Myntra |
| 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?
Both cards deliver strong rewards but cater to different user preferences. Equitas Excite rewards frequent spenders on IRCTC, fuel, groceries, and tax payments with 3X points, capped in some categories, plus a steady 2 points per Rs.150 spent. Simplyclick SBI offers 10X points on popular e-commerce and wellness platforms like Myntra, Apollo 24x7, Netmeds, and travel bookings, along with 1 point per Rs.100 on other spends. The choice depends on whether you prioritize everyday essentials or online shopping and wellness.
Which is better for travel?
Simplyclick SBI has an edge for travel-related rewards through its 10X points on Cleartrip and Yatra, plus milestone e-gift vouchers for travel bookings upon reaching annual spends of Rs.1 lakh and Rs.2 lakhs. Equitas Excite offers 3X points on IRCTC but lacks broader travel rewards or lounge access. Neither card provides domestic or international lounge benefits, so Simplyclick SBI is better suited for travel-focused users seeking booking rewards.
Which has lower effective cost?
Equitas Excite charges a joining and renewal fee of Rs.500 each, which can be waived by spending Rs.20,000. Simplyclick SBI has no joining fee but a renewal fee of Rs.499, waived only after spending Rs.1 lakh annually. Both cards impose a 3.5% forex markup and offer a 1% fuel surcharge waiver. For users with moderate spends, Equitas Excite offers a simpler and lower fee waiver threshold, making it more cost-effective for beginners or lower spenders.
Milestone Benefits Comparison
Equitas Excite offers milestone rewards in the form of bonus points (500 monthly and 2500 annually) without stringent spend requirements, while Simplyclick SBI provides milestone e-gift vouchers worth Rs.2000 on travel platforms but only after high annual spends of Rs.1 lakh and Rs.2 lakhs. This makes Equitas more accessible for moderate spenders and Simplyclick better for high spenders targeting travel rewards.
Reward Point Redemption Value
Equitas Excite specifies a reward redemption rate of 1 reward point = Rs.0.20, providing clarity on value. Simplyclick SBI does not specify redemption value in the provided data, so users should check the issuer's site for details to understand their effective rewards.
Who should pick Equitas Excite Hdfc Bank Credit Card?
Consider Equitas Excite Hdfc Bank Credit Card if your spending is concentrated on essential categories like IRCTC travel bookings, fuel, groceries, and utility bills. Its accelerated 3X reward points on these categories and lower fee waiver threshold make it suitable for everyday users seeking steady rewards without heavy annual spends.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick Sbi Visa Credit Card if you frequently shop online on platforms like Myntra, Apollo 24x7, Netmeds, and also book travel through Cleartrip and Yatra. Its 10X reward points on these categories and milestone e-gift vouchers for travel bookings benefit users with higher annual spends aiming for strong rewards on e-commerce and travel.
Frequently Asked Questions
Equitas Excite Hdfc Bank Credit Card has a joining fee of Rs.500, waivable on spending Rs.20,000. Simplyclick Sbi Visa Credit Card has no joining fee.
Yes, both cards offer a 1% fuel surcharge waiver, applicable under different terms as per their respective issuers.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Simplyclick Sbi Visa Credit Card offers 10X reward points on travel platforms like Cleartrip and Yatra plus milestone e-gift vouchers for travel spends, whereas Equitas Excite provides 3X points only on IRCTC.
Simplyclick Sbi Visa Credit Card offers an Amazon Gift Card worth Rs.500 as a welcome benefit on payment of the annual fee. Equitas Excite Hdfc Bank Credit Card does not list any welcome benefit.
Equitas Excite waives the Rs.500 renewal fee on spending Rs.20,000, while Simplyclick SBI waives its Rs.499 renewal fee only after an annual spend of Rs.1 lakh.