SBI SimplyCLICK Credit Card Review: Check Benefits & Features
SBI SimplyCLICK Credit Card is an entry-level rewards credit card, built primarily for people who spend more online than offline. It rewards purchases at selected partner merchants with accelerated points while offering higher rewards on other eligible online transactions than offline spends.
However, its limited partner list, weak offline rewards and lack of airport lounge access make it best suited to people whose spending aligns with its rewards programme.
SBI SimplyCLICK Credit CardAt a Glance
Feature | Details |
Joining & Annual Fee | ₹499 + GST |
Best For | Online shopping |
Accelerated Reward Rate | 10 Reward Points per ₹100 spent on partner brands |
Welcome Benefit | Amazon.in gift voucher worth ₹500 (within 21 days of payment of the joining fee) |
Fee Waiver | ₹1 lakh annual spend |
Redemption Fee | ₹99 (physical products, statement credit and vouchers sent physically) |
Lounge Access | No |
Add-on Card Fee | Nil |
Note: The ₹500 Amazon voucher effectively offsets the joining fee in the first year. It is valid for 12 months after being added to your Amazon Pay balance, while Reward Points remain valid for 24 months. Your card account must remain in good standing to receive the welcome benefit.
What are the Eligibility Criteria?
To apply for the SBI SimplyCLICK Credit Card, you should meet the following eligibility criteria:
Primary cardholder must be between 21 and 70 years of age
Must have a regular income (salaried or self-employed)
Must be a resident of India
How to Apply?
You can apply for the card online through the SBI Card website or the SBI Card mobile app:
Visit sbicard.com and go to the SimplyCLICK SBI Card page
Click Apply Now and enter your personal, contact and employment details
Upload the required documents for identity, address and income proof
Complete verification through OTP or KYC as required
Submit the application and track its status using the reference number sent to you
If your application isn't approved, our guide on Credit Card Application Rejected? Here's What to Do Next explains the common reasons for rejection and what you can do before applying again.
Documents Required
Identity Proof: PAN card, Aadhaar card, passport or voter ID
Address Proof: Aadhaar card, passport, utility bill or driving licence
Income Proof: Recent salary slips, bank statements or ITR documents
SBI SimplyCLICK Reward Points & Benefits
The card rewards eligible online spending more generously than offline spending. Spending at partner brands earns the highest reward rate, while other eligible online purchases also earn accelerated rewards.
Spends Category | Reward Structure |
Online spends with partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Tata CliQ, Yatra, GyFTR) | 10 Reward Points per ₹100 spent (2.5% reward rate). It is capped at 10,000 Reward Points per month on this bucket |
All other eligible online purchases | 5 Reward Points per ₹100 spent (1.25% reward rate), capped at 10,000 Reward Points per month on this bucket |
All eligible offline spends | 1 Reward Point per ₹100 spent (0.25% reward rate) |
Rent, fuel, insurance, EMI, wallet loads, government payments | No Reward Points |
The monthly limits for partner-brand rewards and general online rewards are tracked separately, letting you maximise both categories instead of sharing a single combined cap. Points are redeemable at 4 points = ₹1 (₹0.25 per point) through the SBI Card website, YONO app or Go Mobile app against vouchers, merchandise, travel bookings or statement credit, and remain valid for 24 months from the date of accrual.
If you prefer direct cashback instead of redeeming Reward Points, you may also want to compare this card with the SBI Cashback Credit Card Review.
For example:
Spend | Reward Points | Value |
₹5,000 on Myntra (10X partner brand) | 500 | ₹125 |
₹5,000 on a non-partner online merchant | 250 | ₹62.50 |
Other benefits include:
Benefit | Details |
Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle |
Contactless Payments | Tap-and-pay enabled for transactions up to ₹5,000 |
Global Acceptance | Accepted at millions of merchant outlets worldwide, including a wide network across India |
Foreign Currency Transaction Fee | 3.5% forex markup, making the card unsuitable for regular international spending |
Milestone Benefits
Annual online spending unlocks the following milestone benefits:
₹1 lakh annual online spend: ₹2,000 Cleartrip/Yatra e-voucher + renewal fee waiver
₹2 lakh annual online spend: Additional ₹2,000 Cleartrip/Yatra e-voucher
These benefits add meaningful value if you already spend online regularly instead of increasing spending just to unlock the milestone.
Does the SBI SimplyCLICK Credit Card Still Make Sense?
The SBI SimplyCLICK Credit Card still earns its place for the right spender in a market now crowded with cashback cards. The value depends entirely on where you shop. If you regularly use partner brands like Myntra, Swiggy, BookMyShow or Tata CliQ, the card delivers decent value.
If most of your spending happens on Amazon, Flipkart or offline stores, better alternatives exist. It is best suited to online shoppers who regularly use its partner brands and want an affordable entry-level rewards card. The welcome benefit, accelerated rewards and fee waiver make it worth considering for this use case.
Best for
Regular online shoppers
Users of Myntra, Swiggy, BookMyShow and other 10X partner brands
First-time credit card users wanting a low annual fee
Not ideal for
Frequent travellers
Cashback-focused users
Heavy offline spenders
SaveSage users generally treat SimplyCLICK as a secondary card, using it mainly during Amazon and Flipkart sale periods. Since neither platform is part of the 10X partner programme, purchases earn only the standard online reward rate, and many users find cashback cards simpler than redeeming Reward Points.
If most of your spending is on Amazon, Flipkart or other online merchants, alternatives such as SBI Cashback, Axis Cashback, SBI PhonePe Select, CSB Bank Jupiter or Axis Flipkart generally offer more straightforward value.
Looking for a card with no annual fee instead? Explore our list of the Best Lifetime Free Credit Cards in India.
SaveSage brings your cards, points and offers into one app, with AI support and regular updates.
Frequently Asked Questions
1. Is the SBI SimplyCLICK Credit Card lifetime free?
No. The card charges a joining fee and renewal fee of ₹499 + GST. The renewal fee is waived when you spend ₹1,00,000 or more during the previous card year.
2. How much is one SBI SimplyCLICK Reward Point worth?
Four Reward Points are worth ₹1, giving each point a base value of ₹0.25, although the effective value can vary depending on the redemption option selected.
3. Which brands offer 10X Reward Points on SBI SimplyCLICK, and are Amazon and Flipkart included?
Eligible 10X partner brands include Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Tata CliQ, Yatra and GyFTR. Amazon and Flipkart are not part of this list, so purchases on these platforms earn the standard online reward rate of 5 Reward Points per ₹100 spent instead. Partner lists and offer terms may change, so cardholders should check the latest SBI Card terms before spending.
4. Does SBI SimplyCLICK offer airport lounge access?
No. The SBI SimplyCLICK Credit Card does not currently provide complimentary domestic or international airport lounge access.
5. Is SBI SimplyCLICK worth getting in 2026?
Yes. It's a good choice if you regularly shop with its 10X partner brands and can meet the ₹1 lakh annual spend requirement for the renewal fee waiver. If most of your spending is elsewhere, especially on Amazon or Flipkart, another cashback card may offer better value.
