{"id":3105,"date":"2026-01-06T19:30:00","date_gmt":"2026-01-06T14:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=3105"},"modified":"2026-01-06T15:27:42","modified_gmt":"2026-01-06T09:57:42","slug":"sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/","title":{"rendered":"SBI SimplyClick Credit Card Review: Is It the Best Online Shopping Card in 2026?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>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.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>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.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-722813817\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbi-simplyclick-credit-card\"><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/shopping\/simplyclick-sbi-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>SBI SimplyClick Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Features<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Joining fee<\/td><td>\u20b9499 + applicable taxes<\/td><\/tr><tr><td>Annual fee<\/td><td>\u20b9499 + applicable taxes<\/td><\/tr><tr><td>Fees Waiver<\/td><td>Annual fee is waived on a spending of \u20b91,00,000 in the previous year.<\/td><\/tr><tr><td>Card Type<\/td><td>Entry-Level \/ Online Shopping Rewards<\/td><\/tr><tr><td>Best Suited for<\/td><td>Online Shopping, Food Orders, and Entertainment Spends<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fees-amp-charges\"><strong>Fees &amp; Charges:<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Fee Type<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Interest rate (APR)<\/td><td>3.5% per month (42% per annum)<\/td><\/tr><tr><td>Late payment fee<\/td><td>Up to \u20b91,300 (depending on the outstanding amount).<\/td><\/tr><tr><td>Cash withdrawal fee<\/td><td>2.5% of transaction amount or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Foreign currency markup<\/td><td>3.5% + taxes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-welcome-benefits\"><strong>Welcome Benefits:<\/strong><\/h3>\n\n\n\n<p>Amazon.in Gift Card worth \u20b9500 upon payment of the joining fee.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3110394590\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Note: <\/strong>This benefit effectively neutralizes the joining fee cost.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reward-structure\"><strong>Reward Structure:<\/strong><\/h3>\n\n\n\n<p>To provide a good overall card review, it is important to understand the 10X reward system which is the card&#8217;s main selling point. 1 Reward Point (RP) = \u20b90.25<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2282827141\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Reward Rate<\/strong><\/td><td><strong>Return Value<\/strong><\/td><\/tr><tr><td>10X Partners<\/td><td>10 RP per \u20b9100 spent<\/td><td>2.5%<\/td><\/tr><tr><td>Online Spends<\/td><td>5 RP per \u20b9100 spent<\/td><td>1.25%<\/td><\/tr><tr><td>Offline\/Other Spends<\/td><td>1 RP per \u20b9100 spent<\/td><td>0.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>10X Exclusive Partners:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apollo 24|7<\/li>\n\n\n\n<li>BookMyShow<\/li>\n\n\n\n<li>Cleartrip<\/li>\n\n\n\n<li>Domino\u2019s<\/li>\n\n\n\n<li>IGP<\/li>\n\n\n\n<li>Myntra<\/li>\n\n\n\n<li>Netmeds<\/li>\n\n\n\n<li>Yatra<\/li>\n<\/ul>\n\n\n\n<p>The Excluded Categories for earning reward points includes &#8211; Fuel, Rent, Wallet Loads, and Utility Bills.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2757395699\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<p>Say you have done a shopping worth \u20b95,000 from Myntra with this card and as myntra falls under the 10X reward partner, you earn 10 reward points for every \u20b9100 spent. In total you have earned 500 reward points. Thus, your total reward value with these points would be \u20b9125.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/idfc-first-select-lifetime-free-credit-card-rewards-benefits-and-detailed-review-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">IDFC First Select Lifetime Free Credit Card: Rewards, Benefits and Detailed Review (2026)<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-redemption-process\"><strong>Redemption Process:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The cardholder has to manually redeem the points. There is no automatic option.<\/li>\n\n\n\n<li>1 Reward Point = \u20b90.25\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-benefits-amp-perks\"><strong>Additional Benefits &amp; Perks:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1% waiver on fuel transactions between \u20b9500 and \u20b93,000 (Capped at \u20b9100 per cycle).<\/li>\n\n\n\n<li>Tap and pay for a fast checkout on transactions up to \u20b95,000.<\/li>\n\n\n\n<li>Add-on Cards available for family members at no extra cost.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-milestone-benefits\"><strong>Milestone Benefits:<\/strong><\/h3>\n\n\n\n<p>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 \u20b92,000 each upon reaching annual online spending stop of \u20b91 Lakh and \u20b92 Lakhs respectively. These e-voucher are from the brands Yatra and Cleartrip.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-get-this-card\"><strong>Who Should Get This Card?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Online Shoppers: If you frequently buy from Myntra, BookMyShow, or order Domino&#8217;s.<\/li>\n\n\n\n<li>First-Time Users: Excellent for building credit history due to low fees.<\/li>\n\n\n\n<li>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.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-take\"><strong>Final Take:<\/strong><\/h2>\n\n\n\n<p>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 \u20b92 Lakhs a year online, the total return is hard to beat for a basic card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\"><strong>FAQ<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1767690280559\"><strong class=\"schema-faq-question\">1. Can I convert my reward points into cash?<\/strong> <p class=\"schema-faq-answer\">Yes surely against the statement balance &#8211; but the rate is poor. Thus, it is better to redeem for vouchers.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767690287746\"><strong class=\"schema-faq-question\">2. Does this card give lounge access?<\/strong> <p class=\"schema-faq-answer\">No, the SBI credit card SimplyCLICK does not offer lounge access.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767690293434\"><strong class=\"schema-faq-question\">3. Is the Amazon Gift Card really free?<\/strong> <p class=\"schema-faq-answer\">It is not a free gift but you get it after paying the joining fee of \u20b9499 + taxes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767690301625\"><strong class=\"schema-faq-question\">4. When will I get my milestone voucher?<\/strong> <p class=\"schema-faq-answer\">After crossing the spending threshold &#8211; SBI will send the e-voucher code to your registered mobile number within 30 days.<\/p> <\/div> <\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Kenbi Riba<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[185,651,645,19],"ppma_author":[1013],"class_list":["post-3105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-credit-cards","tag-credit-card","tag-credit-card-news","tag-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBI SimplyClick Credit Card Review: Is It the Best Online Shopping Card in 2026?<\/title>\n<meta name=\"description\" content=\"The SBI SimplyCLICK Credit Card is one of the gems amongst the online shopping reward cards. 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Can I convert my reward points into cash?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes surely against the statement balance - but the rate is poor. Thus, it is better to redeem for vouchers.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690287746\",\"position\":2,\"url\":\"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690287746\",\"name\":\"2. Does this card give lounge access?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, the SBI credit card SimplyCLICK does not offer lounge access.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690293434\",\"position\":3,\"url\":\"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690293434\",\"name\":\"3. 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Can I convert my reward points into cash?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes surely against the statement balance - but the rate is poor. Thus, it is better to redeem for vouchers.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690287746","position":2,"url":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690287746","name":"2. Does this card give lounge access?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No, the SBI credit card SimplyCLICK does not offer lounge access.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690293434","position":3,"url":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690293434","name":"3. Is the Amazon Gift Card really free?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It is not a free gift but you get it after paying the joining fee of \u20b9499 + taxes.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690301625","position":4,"url":"https:\/\/tradebrains.in\/money\/sbi-simplyclick-credit-card-review-is-it-the-best-online-shopping-card-in-2026\/#faq-question-1767690301625","name":"4. When will I get my milestone voucher?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"After crossing the spending threshold - SBI will send the e-voucher code to your registered mobile number within 30 days.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"authors":[{"term_id":1013,"user_id":5,"is_guest":0,"slug":"tb-money-editorial","display_name":"Trade Brains","avatar_url":{"url":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/trade-brains-logo.png","url2x":"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/trade-brains-logo.png"},"author_category":"1","first_name":"Trade","last_name":"Brains","user_url":"","job_title":"","description":"Trade Brains Money\u2019s editorial team is a dedicated group of researchers, finance writers, and editors with over 10 years of experience, committed to delivering clear, accurate, and actionable insights across banking, credit cards, loans, real estate, personal finance, and taxation to help you make informed financial decisions."}],"_links":{"self":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/3105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/comments?post=3105"}],"version-history":[{"count":4,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/3105\/revisions"}],"predecessor-version":[{"id":3111,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/posts\/3105\/revisions\/3111"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/media\/3107"}],"wp:attachment":[{"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/media?parent=3105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/categories?post=3105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/tags?post=3105"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/tradebrains.in\/money\/wp-json\/wp\/v2\/ppma_author?post=3105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}