Shortlist 2–4 cards
Side-by-side comparison of the HDFC Bank UPI RuPay and the SBI Card SimplyCLICK RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | UPI RuPay | SimplyCLICK RuPay |
|---|---|---|
| Annual fee | ₹99 Waivable at ₹25,000 spend | ₹499 Waivable at ₹1,00,000 spend |
| Forex fee | 3.5% | 3.5% |
| Domestic lounge | No lounge access | No lounge access |
Fees: UPI RuPay wins
Confidence: Medium (verify with issuer)
Forex: Tie
Confidence: Medium (verify with issuer)
Lounge: Tie
Confidence: Medium (verify with issuer)
Confidence varies by card — verify issuer terms
Start with the constraint you care about most: annual fee (HDFC Bank UPI RuPay: ₹99 vs SBI Card SimplyCLICK RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).
Explore: HDFC Bank UPI RuPay card page · SBI Card SimplyCLICK RuPay card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: Medium (verify with issuer)
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| UPI RuPay HDFC Bank | SimplyCLICK RuPay SBI Card | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | No lounge access | No lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹99 vs ₹499 | ₹99 | ₹499 |
| Joining fee ₹99 vs ₹499 | ₹99 | ₹499 |
| Fee waiver spend ₹25,000 vs ₹1,00,000 | ₹25,000 | ₹1,00,000 |
| Rewards | ||
| Points per ₹100 | 1 pts | 1 pts |
| Point cash value | ₹0.25 | ₹0.25 |