SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is one of the most popular entry-level credit cards in India, designed especially for online shoppers. With a modest annual fee and strong e-commerce partnerships, it offers value in the form of accelerated rewards, milestone benefits, and introductory offers.
About SBI Simply Click Credit Card
- Get Amazon gift card worth Rs.500 on payment of Annual Fee of Rs.499+taxes
- Earn 10X Reward Points on online spends with exclusive partners like Apollo 24×7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Yatra/Swiggy
- Earn 5X Reward Points on all other online spends except Utility payments (Capped at Rs,10,000 Reward points/month)
Other Amazing Offers
- Earn 1 reward point per Rs.100 on all other spends
- 10% instant off during big sales on amazon, flipkart etc
- Get Cleartrip or Yatra e-voucher worth Rs 2,000 on annual online spends of Rs.1 Lakh & additional e-voucher worth Rs 2,000 on annual online spends of Rs.2 Lakh
Fees & charges
- Joining Fee: Rs.499 + GST
- Annual Fee: Rs.499 + GST, from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 1,00,000
Pros
- The Amazon voucher received as a welcome gift covers the annual fee charged.
- Easy to use as this card can be used at over 24 million outlets across the globe.
- Outstanding amount of other bank credit card can be transferred to be paid as low-interest EMI.
- 5X reward points on online purchases.
Cons
- Reward points on Swiggy orders reduced from 10X to 5X.
- ₹99 rewards redemption fee, which reduces overall savings.
- There is no exemption from the yearly charge for expenditures over ₹ 1,50,000.
- No access to the domestic lounges.
- Cash Advance, Balance Transfer, Encash, Flexipay and Offline Fuel transactions not included in reward point program.
Conclusion
The SBI SimplyCLICK Credit Card is a good choice if you shop a lot online, especially on websites like Amazon, BookMyShow, and Cleartrip. It gives you more reward points for online spending, and the yearly fee is low.
You also get a free Amazon gift card when you join, and extra vouchers if you spend more during the year. However, it’s not the best card if you mostly shop in stores, travel often, or want airport lounge access.
It’s a smart and affordable card for beginners and online shoppers, but not ideal if you’re looking for luxury or travel features.
Eligibility Criteria
- Age: 21 to 65 years
- Employment: Both salaried and self-employed individuals are eligible
- Income: Minimum monthly income of Rs 25,000
- Self-Employed: Minimum income as filed in ITR Rs.4,80,000 lac/year
- Credit Score: Minimum credit score of 720+
- New-to-Credit: Allowed for salaried & self-employed both
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
Frequently Asked Questions
👉 You should immediately call SBI Card customer care or use the SBI Card app/website to block the card and avoid misuse. You can also request a replacement card.
👉 Key advantages include:
10X reward points on Amazon, BookMyShow, etc.
₹500 Amazon welcome voucher.
₹2,000 bonus vouchers on high annual spend.
Low annual fee (₹499, waived on ₹1L spend).
1% fuel surcharge waiver.
More reward points on online shopping
Useful welcome and milestone gifts.
Affordable yearly cost.
Easy reward redemption.
Good for beginners and online buyers.
👉 The foreign currency markup fee is 3.5% of the transaction amount (plus taxes).
Yes, you can apply. SBI may approve your card based on:
Your credit score,
Existing loans/debts, and
Stable income proof.
👉 No, it’s not lifetime free.
The annual fee is ₹499 + GST, but it becomes free if you spend ₹1 lakh in a year.
