PhonePe HDFC Bank Uno vs SimplyCLICK SBI Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
PhonePe HDFC Bank Uno and SimplyCLICK SBI Card differ first on recurring cost: PhonePe HDFC Bank Uno has an annual fee of ₹499 + GST against ₹499 + GST for SimplyCLICK SBI Card, so holding cost is identical. On rewards, PhonePe HDFC Bank Uno earns Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions while SimplyCLICK SBI Card earns 1 Reward Point per ₹100 on eligible spends. Both publish the same 3.5% forex markup. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | PhonePe HDFC Bank Uno | SimplyCLICK SBI Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Joining fee | ₹499 + GST | ₹499 + GST |
| Annual fee | ₹499 + GST | ₹499 + GST |
| Fee waiver | ₹1,00,000 annual eligible spend | ₹1,00,000 annual eligible spend |
| Base rewards | Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions | 1 Reward Point per ₹100 on eligible spends |
| Accelerated routes | 2 Reward Points per ₹100, capped at 500 points/month · 1 Reward Point per ₹100, capped at 500 points/month · 1 Reward Point per ₹100, capped at 500 points/month | 10 Reward Points per ₹100 at currently listed exclusive online partners · 5 Reward Points per ₹100 on eligible other online spend |
| Reward exclusions | fuel, rent, wallet load, emi, gift card, cash advance, credit card bill payment, fees, government, education, insurance, investment, jewelry | fuel, rent, wallet load, government, digital gaming, cash advance |
| Forex markup | 3.5% | 3.5% |
| Domestic lounge | none | none |
| International lounge | none | none |
| Card networks | RuPay | Visa, Mastercard, RuPay |
| Best suited to | phonepe ecosystem, first card, upi credit | online shopping, first card, low fee |
| Issuer evidence | Checked 2026-07-26 | Checked 2026-07-28 |
Frequently asked questions
Is the PhonePe HDFC Bank Uno better than the SimplyCLICK SBI Card?
Neither is universally better. PhonePe HDFC Bank Uno charges ₹499 + GST a year and earns Rewards apply only to issuer-listed PhonePe categories, select online brands and QR Scan & Pay transactions; SimplyCLICK SBI Card charges ₹499 + GST and earns 1 Reward Point per ₹100 on eligible spends. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, PhonePe HDFC Bank Uno or SimplyCLICK SBI Card?
Both cards carry the same recorded annual fee of ₹499 + GST, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, PhonePe HDFC Bank Uno or SimplyCLICK SBI Card?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.