IDFC FIRST Millennia Credit Card vs SBI SimplyCLICK Credit Card
How IDFC FIRST Millennia Credit Card and SBI SimplyCLICK Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IDFC FIRST Millennia Credit Card is lifetime-free, while SBI SimplyCLICK Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplyCLICK Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
SBI SimplyCLICK Credit Card — better for online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | SBI SimplyCLICK Credit CardSBI Card | |
|---|---|---|
| Annual fee | Nil — lifetime-free | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 1 RP = ₹0.25 |
| Lifetime-free | Yes | No |
| Network | Visa / RuPay | Visa / Mastercard |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum |
| Best for | A no-fee everyday rewards card with points that never expire. | Online shoppers who spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. |
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
SBI SimplyCLICK Credit Card
- 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
- Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
- 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)
IDFC FIRST Millennia Credit Card vs SBI SimplyCLICK Credit Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. SBI SimplyCLICK Credit Card suits online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IDFC FIRST Millennia Credit Card is lifetime-free, while SBI SimplyCLICK Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplyCLICK Credit Card's waiver spend, IDFC FIRST Millennia Credit Card is the cheaper card to keep. On rewards, IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever. whereas SBI SimplyCLICK Credit Card gives 10x reward points on online spends with partner brands (apollo 24x7, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, etc.), capped at 10,000 rp per month.
IDFC FIRST Millennia Credit Card is lifetime-free (no fee, ever), while SBI SimplyCLICK Credit Card charges ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.