Compare PNB RuPay Millennial Credit Card and SimplyCLICK SBI Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Younger or mid-segment applicants who value lounge and lifestyle extras and can naturally clear the ₹1 lakh annual fee-waiver threshold.
Entry-level online shoppers who prefer reward points and modest annual fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/pnb-rupay-millennial-credit-card-vs-simplyclick-sbi-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
6 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | PNB RuPay Millennial Credit Card | SimplyCLICK SBI Card |
|---|---|---|
| Joining fee | ₹399 + applicable taxes | ₹499 + taxes |
| Annual fee | ₹999 + applicable taxes | ₹499 + taxes |
| Fee waiver | Annual fee waived when annual card spend reaches ₹1 lakh in the preceding financial year | Renewal fee of ₹499 + applicable taxes is waived on annual spends of ₹1 lakh or more in the preceding year. |
| Rewards | 2 PNB Reward Points per ₹150 on eligible spend, with 300 Reward Points on activation/first qualifying use under the reviewed issuer material | 5X reward points on online spends and 10X with selected online partners on the reviewed SBI listing |
| Lounge | Domestic and international lounge access is included, with additional health, spa, golf and gym benefits on the reviewed page | Not positioned as a lounge-led card |
| Forex markup | 3.50% foreign-currency markup over the network conversion rate | 3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions. |
| Network | RuPay | Visa / Mastercard (variant-dependent) |
| Eligibility / approval | PNB lists age 21–65 for the primary unsecured route and minimum gross annual income of ₹5 lakh; an FDR-backed route is also described | Subject to SBI Card approval |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 6 attached first-party sources
Reviewed September 11, 2026 · 2 attached first-party sources