Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.25 - ₹2.50
Interest Rate
45.00%
Credit Score
700+
Key Benefits
10X rewards on partners, 5X online, Rs. 4K milestone vouchers
Lounge Access
No lounge access
Eligibility
Min income Rs. 20,000/month, age 21-70, CIBIL 700+
The SimplyCLICK SBI Card is one of the best entry-level credit cards for online shoppers in India. With 10X rewards on popular platforms like Myntra and BookMyShow, and a low Rs. 499 fee that is easily waived, it delivers strong value for digital-first spenders. However, the lack of lounge access and high forex markup limit its appeal for travellers.
Best For
Online shoppers who frequently buy from Myntra, BookMyShow, Cleartrip, and other partner brands seeking high reward rates at a low annual fee.
Not Ideal For
Frequent travellers wanting lounge access, those who primarily spend offline, or users needing low forex markup for international transactions.
All Spends
Online
Apollo
Bookmyshow
Cleartrip
Dominos
IGP
Myntra
Netmeds
Yatra
Swiggy
GyFTR
Redeem your Reward Points for cashback, travel, and more
SBI Card Rewards Catalogue - e-Gift Vouchers
Redeem points for e-Gift vouchers from partners like Amazon, Cleartrip, Yatra via SBI Card rewards portal.
Statement Credit
Redeem reward points against card statement balance via SBI Card portal.
SBI Card Rewards Catalogue - Products
Redeem points for products from the rewards catalogue. Rs. 99 redemption fee may apply on physical products.
Amazon.in gift card worth Rs. 500 on payment of annual fee. Voucher code sent within 21 days.
value
Cleartrip/Yatra e-voucher worth Rs. 2,000 on reaching Rs. 1 Lakh annual online spends.
Spend ₹1,00,000 within 365 days
value
Cleartrip/Yatra e-voucher worth Rs. 2,000 on reaching Rs. 2 Lakh annual online spends.
Spend ₹2,00,000 within 365 days
value
Annual fee of Rs. 499 reversed on achieving Rs. 1 Lakh annual spends.
Spend ₹1,00,000 within 365 days
value
See how this card performs in different spending categories compared to other cards.
The SimplyCLICK SBI Card is one of the most popular entry-level credit cards in India, designed specifically for online shoppers. Issued by SBI Cards and Payment Services Limited (SBICPSL), this Visa-powered credit card rewards you with accelerated reward points every time you shop online at partner platforms like Myntra, BookMyShow, Cleartrip, and more.
With an affordable annual fee of just Rs. 499 (easily waived on Rs. 1 Lakh annual spend), 10X reward points on exclusive partner brands, and milestone benefits worth up to Rs. 4,000 per year, the SimplyCLICK SBI Card delivers exceptional value for those who prefer digital spending.
The SimplyCLICK SBI Card is a Visa-branded entry-level rewards credit card from SBI Card. It is part of the "Simply" series of SBI credit cards and is specifically tailored for individuals who shop online frequently.
The card stands out from its peers by offering 10X reward points on a wide range of partner brands covering shopping, travel, food delivery, and entertainment categories.
Earn 10 Reward Points for every Rs. 100 spent at exclusive online partners including Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra. This translates to an effective reward rate of 2.5%.
For all other online transactions beyond partner brands, earn 5 Reward Points per Rs. 100 spent, giving a reward rate of 1.25%. This benefit is capped at 10,000 Reward Points per calendar month.
Earn 1 Reward Point per Rs. 100 on all offline spends, providing a base reward rate of 0.25%.
Receive an Amazon.in gift card worth Rs. 500 upon payment of the annual membership fee. The voucher code is sent to your registered mobile number within 21 days.
Earn Cleartrip or Yatra e-vouchers worth Rs. 2,000 each upon achieving annual online spends of Rs. 1 Lakh and Rs. 2 Lakh respectively, totalling up to Rs. 4,000 per year.
Enjoy a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000 at any fuel station in India. The maximum surcharge waiver is Rs. 100 per statement cycle.
The card supports Visa payWave contactless technology for quick and secure tap-to-pay transactions up to Rs. 5,000 per transaction.
The SimplyCLICK SBI Card does not come with complimentary airport lounge access, either domestic or international. If airport lounge access is important to you, consider upgrading to a premium SBI Card such as the SBI Card PULSE or SBI Card PRIME.
The SimplyCLICK SBI Card uses the SBI Rewardz program where 1 Reward Point is valued at Rs. 0.25. Reward points are earned at three different rates:
Reward points can be redeemed through the SBI Card rewards portal for e-gift vouchers (Amazon, Cleartrip, etc.), merchandise from the rewards catalogue, or as statement credits at Rs. 0.25 per point. A redemption fee of Rs. 99 applies on physical products and select vouchers. Points expire after 24 months from accrual.
| Fee Type | Amount |
|---|---|
| Joining Fee (Annual Fee) | Rs. 499 + taxes |
| Renewal Fee | Rs. 499 + taxes (waived on Rs. 1L annual spend) |
| Add-on Card Fee | Nil |
| Finance Charges | Up to 3.75% per month (45% p.a.) |
| Interest-Free Period | 20 to 50 days |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Overlimit Fee | 2.5% of overlimit or Rs. 600, whichever is higher |
| Foreign Currency Markup | 3.5% of converted INR amount |
| Late Payment (Rs. 500-1,000) | Rs. 400 |
| Late Payment (Rs. 1,000-10,000) | Rs. 750 |
| Late Payment (Rs. 10,000-25,000) | Rs. 950 |
| Late Payment (Rs. 25,000-50,000) | Rs. 1,100 |
| Late Payment (above Rs. 50,000) | Rs. 1,300 |
| Card Replacement | Rs. 100 - Rs. 250 |
| Reward Redemption Fee | Rs. 99 (on physical products and specified vouchers) |
| Rent Payment Processing | Rs. 199 per transaction |
| Cash Payment at SBI Branch | Rs. 250 + taxes |
| Payment Dishonour | 2% of payment (min Rs. 500) |
| Utility Payment Fee | 1% if total exceeds Rs. 50,000/billing cycle (w.e.f. Dec 2024) |
As an entry-level card, the SimplyCLICK SBI Card has relatively relaxed eligibility criteria, making it accessible even to first-time credit card applicants.
You can track your application by calling the SBI Card helpline at 1860 180 1290 or by logging into sbicard.com with your application reference number.
The SimplyCLICK SBI Card is an excellent entry-level credit card for anyone who does most of their spending online. The combination of 10X rewards on popular partner brands like Myntra, BookMyShow, and Cleartrip, along with 5X on all other online transactions, makes it one of the most rewarding cards in its fee segment.
The Rs. 499 annual fee is practically offset by the Rs. 500 Amazon welcome voucher, and the milestone benefits of up to Rs. 4,000 per year make it even more attractive. If you spend Rs. 2 Lakh online annually, you can earn substantial value through reward points plus milestone vouchers.
However, the card is not ideal for international travellers (due to the 3.5% forex markup), frequent flyers (no lounge access), or those who primarily spend offline. For such users, other SBI Card options like the SBI Card PULSE or PRIME would be more suitable choices.
Last updated: 1 February 2026
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