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 and benefits tailored to different spending habits. Equitas Excite focuses on fuel, groceries, utilities, and tax payments with accelerated reward points, while Simplyclick SBI emphasizes online shopping and dining with high reward multipliers on select merchants. Both cards charge foreign currency markup fees and provide fuel surcharge waivers, but their fee structures and milestone benefits differ significantly.
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 Fuel | Earn 10X Reward Points on Dominos |
| Welcome benefit | — | Amazon Gift Card Worth Rs.500 |
| Milestone benefit | Earn 2500 Bonus Rewards Points; Earn 500 Bonus Rewards Points | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Both cards provide strong rewards but cater to different spending preferences. Equitas Excite Hdfc Bank Credit Card offers 3X reward points on fuel, groceries, utilities, IRCTC, and tax payments, making it suitable for everyday essential spends. Simplyclick Sbi Visa Credit Card, on the other hand, delivers 10X reward points on popular online platforms like Dominos, Myntra, Apollo 24x7, Netmeds, BookMyShow, and Swiggy, along with 5X points on other online spends, which favors frequent online shoppers. Neither card offers cashback benefits, and both have reward point redemption options, but milestone rewards are only present on the Equitas card.
Which is better for travel?
Neither card highlights specific travel lounge access or travel-related perks beyond the reward points on IRCTC for Equitas Excite and e-gift vouchers from travel portals as milestones on Simplyclick SBI. Both cards have a forex markup fee of 3.5%, which is standard but relatively high for international transactions. The Simplyclick SBI card offers milestone e-gift vouchers from Yatra and Cleartrip upon spending thresholds, which can indirectly benefit travel enthusiasts. Overall, travel benefits are limited and fairly comparable between the two.
Which has lower effective cost?
The Equitas Excite Hdfc Bank Credit Card charges a joining and renewal fee of Rs. 500 each, which can be waived by spending Rs. 20,000. Simplyclick Sbi Visa Credit Card has an annual fee of Rs. 499, waived only if the cardholder spends Rs. 1 lakh, a significantly higher threshold. Both cards offer a 1% fuel surcharge waiver, but the Equitas card's fee waiver requirement is more accessible for average users. Given these factors, Equitas Excite is more cost-effective for users with moderate spending.
Reward Focus
Equitas Excite Hdfc Bank Credit Card focuses on essential and utility spends including fuel, groceries, tax payments, and IRCTC, making it suitable for everyday use. Simplyclick Sbi Visa Credit Card targets online shopping and dining rewards with multiple 10X reward point categories on popular merchants.
Fee Waiver Complexity
Equitas Excite requires a relatively low spend of Rs. 20,000 to waive the joining and renewal fees, making it easier for moderate spenders to avoid fees. Simplyclick SBI demands a much higher annual spend of Rs. 1 lakh to waive the renewal fee, which may not be suitable for all users.
Milestone Benefits
Equitas Excite offers milestone bonus reward points, adding incremental value for consistent spenders. Simplyclick SBI provides milestone e-gift vouchers from travel portals like Yatra and Cleartrip on high annual spends, which can be useful for travel bookings but require significant expenditure.
Who should pick Equitas Excite Hdfc Bank Credit Card?
Consider Equitas Excite Hdfc Bank Credit Card if your spending is concentrated on fuel, groceries, utility bills, IRCTC bookings, and tax payments. This card suits users looking for accelerated reward points on essential and recurring expenses with a lower fee waiver threshold. It also provides milestone bonus points, adding extra value for consistent spenders.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick Sbi Visa Credit Card if you frequently shop online or order food from platforms like Dominos, Myntra, Swiggy, and BookMyShow. This card is ideal for users who want high reward multipliers on e-commerce and dining spends and can meet the higher annual fee waiver spend requirement. Additionally, the welcome Amazon gift card and travel-related milestone vouchers may appeal to online shoppers and occasional travelers.
Frequently Asked Questions
Both Equitas Excite Hdfc Bank Credit Card and Simplyclick Sbi Visa Credit Card charge a forex markup fee of 3.5% on foreign currency transactions.
Simplyclick Sbi Visa Credit Card offers an Amazon Gift Card worth Rs. 500 as a welcome benefit upon payment of the annual fee. Equitas Excite Hdfc Bank Credit Card does not provide any welcome benefits.
For Equitas Excite Hdfc Bank Credit Card, spending Rs. 20,000 waives the joining and renewal fees of Rs. 500 each. Simplyclick Sbi Visa Credit Card waives the Rs. 499 annual fee only if you spend Rs. 1 lakh annually.
Yes, both cards provide a 1% fuel surcharge waiver, although terms and effective dates may vary.
Simplyclick Sbi Visa Credit Card offers higher rewards for online shopping with 10X points on Myntra and other platforms and 5X points on general online spends, making it more suitable for online shoppers.
Equitas Excite Hdfc Bank Credit Card offers milestone bonus reward points, while Simplyclick Sbi Visa Credit Card provides milestone e-gift vouchers from travel portals upon meeting high spend thresholds.