SBI CardVisa Network

Verified

Direct Bank Application via Official Issuer Portal

Rewards Shopping Online Shopping

4.2/5 Editorial Score

SBI SimplyCLICK Credit Card

10X reward points on partner merchants and 5X on all online shopping

Best Suited For

Entry-Level Online Shoppers & Digital Voucher Seekers

Rewards Shopping Online Shopping

Joining Fee

₹499

One-time upfront

Annual Fee

₹499

Waived on ₹1 lakh annual spend

Base Rewards

10X points (2.5%) on partners, 5X points (1.25%) on all online shopping

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.2/5 Editorial Score

The SBI SimplyCLICK Credit Card is a dependable entry-level credit card tailored for beginners and online shopping enthusiasts. It rewards digital spending with 10X reward points (2.5% return) on key merchant partners like Cleartrip, BookMyShow, Domino's, Myntra, and Yatra, alongside 5X reward points (1.25% return) on all other online retail transactions. An achievable annual spend waiver hurdle of ₹1,00,000 makes holding the card virtually free for regular spenders, and annual online spend milestone vouchers (₹2,00,000 Cleartrip/Yatra voucher at ₹1 Lakh and ₹2 Lakhs each) provide tangible milestone value. On the downside, offline POS transactions earn a meager 0.25% (1 RP per ₹100), SBI Card charges a ₹99 + GST redemption fee on reward catalogue orders, and Amazon is no longer an exclusive 10X partner. Who it is best for: First-time cardholders and disciplined online shoppers who spend at least ₹1 Lakh annually across e-commerce. Who should avoid it: Spenders primarily making offline in-store purchases or those seeking airport lounge access.

Ideal For:Entry-Level Online Shoppers & Digital Voucher Seekers

Rewards Shopping Online Shopping

Card Strengths

2.50% effective value back (10X points) on partner merchants including BookMyShow, Myntra, and Cleartrip
1.25% value back (5X points) on general online retail spending
Low ₹1,00,000 annual spend threshold for 100% renewal fee waiver
Up to ₹4,000 annual travel e-vouchers on reaching ₹1L and ₹2L online spend milestones
Joining fee offset with a ₹500 Amazon gift voucher upon fee payment

Things to Keep in Mind

Low 0.25% base reward rate on offline physical store card swipes
₹99 + GST reward redemption handling fee charged on every redemption request
No complimentary airport lounge visits included
10X and 5X reward categories are capped at 10,000 points per calendar month each

Additional Cardholder Privileges

Rewards

10X Reward Points on Partner Brands (Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, and Tata Cliq), 5X Reward Points on Online Purchases, and 1 Reward Point/₹100 Spent on Other Purchases

Welcome

Welcome Benefit 1

Amazon Gift Card Worth ₹500

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: SimplyCLICK Reward Points
Reward Currency: Reward Points
Base Earn Rate: 10X points (2.5%) on partners, 5X points (1.25%) on all online shopping
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Exclusive Partner Merchants (Amazon, BookMyShow, Cleartrip, Domino's, Myntra, Yatra)	10X Reward Points (10 RP per ₹100 spent = 2.5% valueback)	No Cap	Standard terms apply
All Other Online Spends	5X Reward Points (5 RP per ₹100 spent = 1.25% valueback)	No Cap	Standard terms apply
Offline Retail Spends	1 Reward Point per ₹100 spent (0.25% valueback, 1 RP = ₹0.25)	No Cap	Standard terms apply

Featured Merchant HubsAll Merchants

DMart Hub AJIO Hub Cleartrip Hub

Estimate Your Custom Monthly Rewards

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Exclusive Partner Merchants (Amazon, BookMyShow, Cleartrip, Domino's, Myntra, Yatra)10.00%

No published cap

₹

All Other Online Spends5.00%

No published cap

₹

Offline Retail Spends0.25%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Exclusive Partner Merchants (Amazon, BookMyShow, Cleartrip, Domino's, Myntra, Yatra)	₹6,000	10X Reward Points (10 RP per ₹100 spent = 2.5% valueback)	—	None	Calculating...	Under cap
All Other Online Spends	₹18,000	5X Reward Points (5 RP per ₹100 spent = 1.25% valueback)	—	None	Calculating...	Under cap
Offline Retail Spends	₹6,000	1 Reward Point per ₹100 spent (0.25% valueback, 1 RP = ₹0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹499

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹499
Annual / Renewal Fee (2nd Year Onwards): ₹499
Annual Spend Fee Waiver: Waived on ₹1 lakh annual spend
Fee Terms Notes: Amazon gift card worth ₹500 on joining fee payment; fee waived on ₹1,00,000 annual spend

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Rewards Earning: 10 Reward Points per ₹100 spent on partner merchants (Cleartrip, BookMyShow, Domino's, Myntra, Yatra, Apollo 24x7, Netmeds, Swiggy); 5 Reward Points per ₹100 on other online retail; 1 Reward Point per ₹100 on offline POS spends. Reward Valuation & Caps: 4 Reward Points = ₹1.00 (1 RP = ₹0.25). 10X and 5X reward earnings are each capped at 10,000 Reward Points per calendar month. Fee & Waiver: Joining fee ₹499 + GST (offset by ₹500 Amazon gift voucher). Annual fee of ₹499 + GST waived on ₹1,00,000 annual retail spends. Milestone Rewards: ₹2,000 Cleartrip/Yatra e-voucher on reaching ₹1,00,000 annual online spends; additional ₹2,00,000 online spend earns another ₹2,000 voucher. Exclusions & Fees: ₹99 + GST reward redemption fee per request. Fuel, wallet reloads, cash advances, balance transfers, and rent do not earn accelerated reward points.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding SBI SimplyCLICK Credit Card application, fees, reward redemption, and eligibility

What is the value of 1 SBI SimplyCLICK reward point?

1 Reward Point is worth ₹0.25 when redeemed against partner gift vouchers or statement credit via customer care (4 Reward Points = ₹1.00).

How can I get the SBI SimplyCLICK annual fee waived?

The annual renewal fee of ₹499 + GST is waived automatically if your cumulative retail spends exceed ₹1,00,000 in the preceding card anniversary year.

Are there monthly caps on 10X and 5X reward points?

Yes. Accelerated 10X reward points on partner merchants and 5X reward points on other online spends are each subject to a cap of 10,000 Reward Points per calendar month.

Does SBI SimplyCLICK offer airport lounge access?

No. The SBI SimplyCLICK Credit Card does not offer complimentary domestic or international airport lounge access.

What is the joining and annual renewal fee for SBI SimplyCLICK Credit Card?

The joining fee for SBI SimplyCLICK Credit Card is ₹499 (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on SBI SimplyCLICK Credit Card be waived?

Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹1 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on SBI SimplyCLICK Credit Card?

SBI SimplyCLICK Credit Card offers 10X points (2.5%) on partners, 5X points (1.25%) on all online shopping. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does SBI SimplyCLICK Credit Card offer complimentary airport lounge access?

No, SBI SimplyCLICK Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.