Synopsis: The SBI SimplyCLICK Credit Card is one of the gems amongst the online shopping reward cards. It accelerated reward points on select partner brands, milestone vouchers on higher online spends. The low annual fee and joining fee make it suitable for online shopaholics and first-time credit card users.
The SBI SimplyCLICK Credit Card is a rewards based credit card offered by SBI Card that focuses primarily on online shopping. In this card review, we detail why it is one of the best options for those who regularly spend on travel and shopping platforms.
The benefits include earning accelerated reward points which is 10X on select partner brands and unlocking extra value through milestone benefits when annual spending crosses certain limits.
SBI SimplyClick Credit Card
| Features | Details |
| Joining fee | ₹499 + applicable taxes |
| Annual fee | ₹499 + applicable taxes |
| Fees Waiver | Annual fee is waived on a spending of ₹1,00,000 in the previous year. |
| Card Type | Entry-Level / Online Shopping Rewards |
| Best Suited for | Online Shopping, Food Orders, and Entertainment Spends |
Fees & Charges:
| Fee Type | Charges |
| Interest rate (APR) | 3.5% per month (42% per annum) |
| Late payment fee | Up to ₹1,300 (depending on the outstanding amount). |
| Cash withdrawal fee | 2.5% of transaction amount or ₹500 (whichever is higher) |
| Foreign currency markup | 3.5% + taxes |
Welcome Benefits:
Amazon.in Gift Card worth ₹500 upon payment of the joining fee.
Note: This benefit effectively neutralizes the joining fee cost.
Reward Structure:
To provide a good overall card review, it is important to understand the 10X reward system which is the card’s main selling point. 1 Reward Point (RP) = ₹0.25
| Category | Reward Rate | Return Value |
| 10X Partners | 10 RP per ₹100 spent | 2.5% |
| Online Spends | 5 RP per ₹100 spent | 1.25% |
| Offline/Other Spends | 1 RP per ₹100 spent | 0.25% |
10X Exclusive Partners:
- Apollo 24|7
- BookMyShow
- Cleartrip
- Domino’s
- IGP
- Myntra
- Netmeds
- Yatra
The Excluded Categories for earning reward points includes – Fuel, Rent, Wallet Loads, and Utility Bills.
Example:
Say you have done a shopping worth ₹5,000 from Myntra with this card and as myntra falls under the 10X reward partner, you earn 10 reward points for every ₹100 spent. In total you have earned 500 reward points. Thus, your total reward value with these points would be ₹125.
Also Read: IDFC First Select Lifetime Free Credit Card: Rewards, Benefits and Detailed Review (2026)
Redemption Process:
- The cardholder has to manually redeem the points. There is no automatic option.
- 1 Reward Point = ₹0.25
Additional Benefits & Perks:
- 1% waiver on fuel transactions between ₹500 and ₹3,000 (Capped at ₹100 per cycle).
- Tap and pay for a fast checkout on transactions up to ₹5,000.
- Add-on Cards available for family members at no extra cost.
Milestone Benefits:
A crucial aspect of this card review is the milestone program, which boosts the reward rate for high spenders. The cardholder receives an e-voucher worth ₹2,000 each upon reaching annual online spending stop of ₹1 Lakh and ₹2 Lakhs respectively. These e-voucher are from the brands Yatra and Cleartrip.
Who Should Get This Card?
- Online Shoppers: If you frequently buy from Myntra, BookMyShow, or order Domino’s.
- First-Time Users: Excellent for building credit history due to low fees.
- Benefit Seekers: If you are reading this card review looking for a secondary card to maximize returns on specific apps, this is a strong contender.
Final Take:
To conclude this card review, the SBI SimplyCLICK remains a champion in the entry-level segment. Despite recent devaluations (like Swiggy moving to the 5X category), the 2.5% return on exclusive partners and the annual fee waiver make it incredibly valuable for its low price tag. If you spend ₹2 Lakhs a year online, the total return is hard to beat for a basic card.
FAQ
Yes surely against the statement balance – but the rate is poor. Thus, it is better to redeem for vouchers.
No, the SBI credit card SimplyCLICK does not offer lounge access.
It is not a free gift but you get it after paying the joining fee of ₹499 + taxes.
After crossing the spending threshold – SBI will send the e-voucher code to your registered mobile number within 30 days.
Written by Kenbi Riba
