IDFC FIRST Millennia vs SimplyCLICK Advantage SBI Card
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SimplyCLICK Advantage SBI Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.6/10.
| Feature | IDFC FIRST Millennia | SimplyCLICK Advantage SBI Card |
|---|---|---|
| CardTrail Score | 6.6/10 | 7.9/10 |
| Annual Fee | Free | ₹499 |
| Base Reward Rate | 0.5% | 1% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose IDFC FIRST Millennia
- You want a lifetime free card with zero annual cost
- Your primary spend is: rewards, cashback
When to Choose SimplyCLICK Advantage SBI Card
- You can meet the fee waiver condition: Spend Rs 1L/year
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: online-shopping, cashback
Annual Fee Value Analysis
To break even on SimplyCLICK Advantage SBI Card's ₹499 fee at 1% rewards, spend ₹4,158/month.
IDFC FIRST Millennia is lifetime free — no break-even needed.