SBI SimplyCLICK
Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.25 - ₹2.50
Interest Rate
42.00%
Credit Score
750+
At a Glance
Key Benefits
10X on Amazon/partners, 5X online, 1X offline. Rs 0.25/point. 10K cap/month.
Lounge Access
No lounge access.
Eligibility
Age 21-70. Indian resident. CIBIL 700+.
Quick Details
Reward Structure
Amazon, Myntra, Cleartrip, Swiggy, etc.
All Other Online Spends
Offline Spends
Reward Calculator
Milestone Benefits
Amazon.in gift card worth Rs.500 on fee payment
Spend ₹0 0
value
Cleartrip/Yatra e-voucher worth Rs.2000 on Rs.1L annual spend
Spend ₹1,00,000 within 365 days
value
Cleartrip/Yatra e-voucher worth Rs.2000 on Rs.2L annual spend
Spend ₹2,00,000 within 365 days
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Lifestyle Perks
Fuel Surcharge
1.00% off
1% fuel surcharge waiver (Rs.500-3000)
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
Excellent entry-level card for online shoppers. 10X on Amazon and partners makes it valuable for digital-first users.
Pros
- 10X on Amazon/partner brands, 5X on all online, Rs 500 Amazon welcome voucher, Low annual fee, Rs 4K Cleartrip milestones
Cons
- No lounge access, 0.25 per point value is low, 10K points monthly cap, Offline earn rate only 1%
Best For
Online shoppers, e-commerce enthusiasts, beginners
Not Ideal For
Travelers (no lounge access), international spenders (3.5% forex markup), fuel users (no fuel rewards)
The SBI SimplyCLICK Credit Card is designed for online shoppers who want to maximize rewards on e-commerce purchases. With 10X reward points on partner brands like Amazon, Myntra, and Swiggy, plus 5X on all other online spends, it's one of the best entry-level cards for digital-first consumers.
What is SBI SimplyCLICK?
SBI SimplyCLICK is a Visa rewards card offering 10X points on Amazon, Myntra, Cleartrip, Swiggy and more (10K cap/month), 5X on all online spends (10K cap), and 1X on offline. Rs 499 fee waived on Rs 1L spend. 1 RP = Rs 0.25.
Benefits
- 10X Partner Rewards: 10X RP on Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra
- 5X Online Rewards: 5X RP on all other online transactions
- Welcome Gift: Rs 500 Amazon e-Gift Voucher on card activation
- Milestone Rewards: Rs 2,000 Cleartrip voucher each on Rs 1L and Rs 2L annual spend
- Fuel Surcharge Waiver: 1% waiver on Rs 500-3,000 transactions (max Rs 100/cycle)
- EMI Conversion: Convert transactions above Rs 2,500 to EMI
- Low Fee: Rs 499 annual fee waived on Rs 1L spend
Welcome & Milestone Benefits
- Welcome Benefit: Rs 500 Amazon e-Gift Voucher on card activation
- Rs 1 Lakh Milestone: Rs 2,000 Cleartrip e-voucher on annual spend of Rs 1 lakh
- Rs 2 Lakh Milestone: Additional Rs 2,000 Cleartrip e-voucher on reaching Rs 2 lakh spend
- Total Potential: Rs 4,500 in vouchers (Rs 500 welcome + Rs 4,000 milestones)
Airport Lounge Access
The SBI SimplyCLICK Credit Card does not offer any airport lounge access - neither domestic nor international. This is an entry-level shopping card focused on online rewards rather than travel benefits.
For lounge access, consider SBI Elite, SBI PRIME, or SBI Aurum cards instead.
Rewards Program
SBI SimplyCLICK uses SBI Reward Points:
- 10X Partners: Apollo, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra (capped at 10,000 RP/month)
- 5X Online: All other online spends (capped at 10,000 RP/month)
- 1X Offline: Physical store purchases
- Point Value: 1 RP = Rs 0.25
- Redemption: Gift vouchers, shopping, catalogue items
Exclusions: No RP on e-wallet loading, cash advance, balance transfer, Flexipay, fuel transactions.
Note: From April 2025, Swiggy rewards reduced from 10X to 5X.
Fees & Charges
- Joining Fee: Rs 499 + GST
- Annual Fee: Rs 499 + GST (waived on Rs 1L annual spend)
- Interest Rate: 3.5% per month (42% p.a.)
- Forex Markup: 3.5% on international transactions
- Cash Advance: 2.5% (min Rs 500)
- Late Payment: Rs 400-1,300 based on outstanding
Eligibility Criteria
- Indian resident
- Age: 21-70 years
- Salaried or self-employed with stable income
- Good credit score (CIBIL 700-750+ recommended)
Documents Required
- Identity Proof: PAN Card, Aadhaar
- Address Proof: Aadhaar, Passport, Utility bill
- Income Proof: Salary slips, Form 16, or ITR
- Bank Statements: Last 3-6 months
Frequently Asked Questions
What is the reward rate on SBI SimplyCLICK for Amazon?
Which brands offer 10X rewards on SBI SimplyCLICK?
Does SBI SimplyCLICK have lounge access?
What is the point value on SBI SimplyCLICK?
How can I get the annual fee waived?
What is the monthly reward point cap?
What is the welcome benefit?
Is Swiggy still 10X on SBI SimplyCLICK?
User Reviews
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