SBI SimplyCLICK Credit Card Review
SBI SimplyCLICK is one of India’s most-applied entry-level credit cards, and for a clear reason: it pairs a low ₹499 fee with genuinely strong rewards on online spending, from a bank almost everyone already trusts. If most of your discretionary spend runs through Amazon, Myntra, food delivery and travel sites, it is one of the easiest cards to extract real value from. But the rewards are heavily skewed toward online — spend offline and the rate collapses. Here is the honest, numbers-first breakdown.
- 10× reward points (~2.5%) on 8 popular online partners
- 5× (~1.25%) on all other online spend — broad online coverage
- ₹500 Amazon voucher welcome benefit ≈ refunds the ₹499 fee in year one
- ₹499 renewal fee waived on ₹1 lakh annual spend (easy for most users)
- ₹2,000 Cleartrip/Yatra voucher at each of ₹1L and ₹2L annual spend
- Trusted SBI Card servicing, wide acceptance, low income bar
- Only 1× (~0.25%) on offline and non-partner spend — weak for in-store use
- No airport lounge access at all
- 3.5% forex markup — poor for international spend
- Reward point value is modest at ₹0.25, and points expire (typically 2 years)
- Rent, fuel and wallet loads earn no accelerated rewards
- The standard 1% fee on rent and some categories applies, per SBI’s current rules
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST |
| Annual (renewal) fee | ₹499 + GST — waived on ₹1 lakh annual spend |
| Welcome benefit | ₹500 Amazon gift voucher on joining-fee payment |
| Finance charges | up to 3.75% per month |
| Forex markup | 3.5% |
| Cash advance fee | 2.5% (min ₹500) |
| Fuel surcharge waiver | 1% on ₹500–₹3,000 transactions (max ₹100/month) |
Eligibility & documents
Age
21 to 70 years
Profile
Salaried or self-employed with a regular income
Typical income
~₹20,000–₹30,000+ per month
Recommended CIBIL
700+ improves approval odds
Credit limit
Set by SBI Card based on income/profile
Documents
PAN, Aadhaar, income proof, address proof
Rewards structure — the real math
SimplyCLICK’s value lives entirely in its tiered online earn. One reward point = ₹0.25.
- 10× on partner sites (~2.5%): 10 points per ₹100 at Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds and Yatra.
- 5× on all other online spend (~1.25%): 5 points per ₹100 on any other e-commerce/online merchant.
- 1× on everything else (~0.25%): 1 point per ₹100 on offline/in-store and non-qualifying spend.
So a user spending ₹15,000/month online (say ₹5,000 on partners + ₹10,000 elsewhere online) earns roughly ₹125 + ₹125 = ₹250/month ≈ ₹3,000/year in points, before milestones — comfortably ahead of the ₹499 fee. Excluded/weak: rent, fuel, wallet loads and offline spend earn little or nothing accelerated.
Welcome benefits & milestones
Welcome: ₹500 Amazon gift voucher on payment of the joining fee — effectively a full fee refund in year one.
Milestones: a ₹2,000 Cleartrip or Yatra e-voucher on reaching ₹1 lakh annual spend, and another ₹2,000 voucher at ₹2 lakh — up to ₹4,000 in travel vouchers a year for higher spenders.
Annual fee waiver: spend ₹1 lakh in the membership year and the next year’s ₹499 fee is waived.
Key benefits
- Strong, broad online reward rate — among the best at the ₹499 tier for e-commerce
- 1% fuel surcharge waiver (₹500–₹3,000 per transaction, capped ₹100/month)
- Contactless payments and wide SBI Card acceptance
- Easy EMI conversion on large spends
Usage terms & fine print
Lounge access
None — no domestic or international lounge access on SimplyCLICK.
Reward validity
Points typically expire after ~2 years; redeem via the SBI Card rewards catalogue/Shop & Smile.
Interest-free period
Up to ~20–50 days when the prior balance is paid in full.
Forex
3.5% markup — avoid for international use.
Rent/fuel
No accelerated rewards; SBI’s standard category fees may apply.
Redemption
1 RP = ₹0.25 toward catalogue/voucher redemption.
Compared with alternatives
Amazon Pay ICICI →
Lifetime-free; 5% on Amazon for Prime members. Better if your online spend is Amazon-heavy.
Axis ACE →
2% flat cashback on everything (plus 5% on bills via Google Pay). Better for offline + universal spend.
Cashback SBI →
5% on (almost all) online spend, no merchant list to track. Stronger online all-rounder at a similar fee.
HDFC Millennia →
5% on 10 lifestyle brands + 1% elsewhere. A close cashback-flavoured rival.
If your online spend is concentrated on SimplyCLICK’s eight partners, it competes well. If you want a simpler “5% on all online” experience, the Cashback SBI card is often the stronger pick at a similar fee.
Who the SimplyCLICK is for
- Best fit: first-time or early-stage users who shop heavily online across Amazon/Myntra/BookMyShow/travel sites.
- Best fit: salaried users earning ₹20–30k/month wanting a trusted, low-fee starter card.
- Skip if: most of your spend is offline, on fuel/rent, or international — the 1× rate and 3.5% forex undercut the value.
How to apply & how to cancel
Apply: via sbicard.com or the SBI Card app; pre-approved offers appear for existing SBI customers. Decision is typically quick for eligible profiles.
Cancel: call SBI Card helpline or use the app/website to request closure after clearing dues; redeem reward points first, as they lapse on closure.
Final verdict
SBI SimplyCLICK remains one of the best value entry-level online-shopping cards in India. The welcome voucher refunds the fee, the ₹1 lakh waiver keeps it near-free, and the 10×/5× online structure rewards exactly the spending most young users do. Its weaknesses — no lounge, 3.5% forex, and a thin 0.25% offline rate — are acceptable for an online-first card. If your e-commerce spend is broad rather than Amazon-only, it’s an easy recommendation; if you want a simpler flat-cashback experience, compare it with Cashback SBI first.
Frequently asked questions
What is the SBI SimplyCLICK annual fee?
₹499 + GST joining and ₹499 + GST renewal, with the renewal waived if you spend ₹1 lakh in the previous year.
What is the reward rate?
10× (~2.5%) on eight online partners, 5× (~1.25%) on all other online spend, and 1× (~0.25%) on everything else. 1 reward point = ₹0.25.
Does SimplyCLICK offer lounge access?
No — there is no domestic or international airport lounge access on this card.
What is the welcome benefit?
A ₹500 Amazon gift voucher on payment of the joining fee, which effectively offsets the fee in year one.
What are the milestone rewards?
A ₹2,000 Cleartrip/Yatra e-voucher at ₹1 lakh annual spend and another at ₹2 lakh — up to ₹4,000/year.
Is it good for international use?
Not really — the 3.5% forex markup makes it expensive abroad. Use a low-forex card for overseas spends.
Data current as of June 2026 and cross-checked against SBI Card’s official page and independent aggregators. Credit card fees, reward rates and benefits change periodically — always confirm current terms on sbicard.com before applying.