SimplyCLICK SBI Card Review: For Online Shoppers
SimplyCLICK is SBI Card’s entry card for online shoppers. It earns 10 times the base rate at a list of online partners and 5 times on other online spends, plus two ₹2,000 travel vouchers for online spending milestones.
It is the online counterpart of SimplySAVE. The milestones count only online spend, and the 5X rate is capped each month.
- 10X at popular online partners
- 5X on other online spends
- Two ₹2,000 vouchers for online spend milestones
- ₹500 Amazon welcome voucher (reported)
- Fee waived on ₹1 lakh
- 5X capped at 10,000 points a month
- Amazon earns only 5X
- Milestones count online spend only
- No points on rent, government, gaming, wallet or fuel
- 3.5% forex markup and no lounges
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh spend |
| Forex markup | 3.5% |
Rewards: how the card earns
| Spend | Rate | Approx. value |
|---|---|---|
| Online partners (Apollo 24/7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds, Yatra, Swiggy; GyFTR via the SimplyCLICK portal) | 10X | ~2.5% |
| Other online, including Amazon | 5X (cap 10,000 points a month) | ~1.25% |
| Offline | 1 per ₹100 | ~0.25% |
| Milestones | ₹2,000 Cleartrip/Yatra voucher at ₹1 lakh and again at ₹2 lakh of annual online spend | — |
SBI Card changes: from 1 April 2026, statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000; since 1 November 2025 a 1% fee applies to wallet loads above ₹1,000 and to education payments through third-party apps.
What earns nothing
Rent (from April 2024), government payments (from June 2024), gaming (from December 2024), wallet loads and fuel earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Milestones | ₹2,000 voucher at ₹1 lakh and ₹2 lakh annual online spend |
| Welcome | ₹500 Amazon voucher (reported) |
| Lounge access | None |
Eligibility
Issuer
SBI Card
Fee
₹499 + GST
Best for
Online shoppers
Who this card is for
- Good fit: online shoppers who use the partner brands and spend ₹1–2 lakh a year online.
- Skip if: you spend mostly offline — SimplySAVE suits you better.
Alternatives worth comparing
Final verdict
One of the best ₹499 cards for online shoppers, especially with the two online-spend vouchers. For flat online cashback without partner lists, compare the Cashback SBI Card.
Frequently asked questions
Which partners earn 10X?
Apollo 24/7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds, Yatra and Swiggy, plus GyFTR through the SimplyCLICK portal. SBI updates the list periodically.
Is the 5X rate capped?
Yes, 5X on other online spends is capped at 10,000 points a month.
How do the milestones work?
You get a ₹2,000 Cleartrip or Yatra voucher at ₹1 lakh and again at ₹2 lakh of annual online spend.
Does Amazon earn 10X?
No, Amazon earns 5X since January 2023.
Is the fee waivable?
Yes, on ₹1 lakh annual spend.
Last verified: October 2026, against SBI Card’s SimplyCLICK reward T&C and notices. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.