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    SBI SimplyCLICK Credit Card

    cat name Reward Points
    cat name Online Shopping
    3.0/5.0

    Reward Rate3.0/5

    Co-branded Benefits4.0/5

    Rewards Flexibility2.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹499* Plus Applicable Taxes

    Reward Points

    Reward Points

    5X rewards on online shopping

    Brand Benefits

    Brand Benefits

    10X rewards on Dominos, Myntra, Yatra & more

    Entry-level

    Entry-level

    Low annual fee & easy approval

    Updated on April 2, 2025 12:47 pm

    Author: Shruti Sharma

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    About The CardReward DetailsBenefits & PrivilegesSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

    About SBI SimplyCLICK Credit Card

    SBI SimplyCLICK Credit Card is an entry-level card well suited for online shoppers. Consumers can earn 10-times more rewards with exclusive online shopping partners like BookMyShow, Myntra, Cleartrip and more. All other online purchases earn 5-times more rewards. For a low-fee credit card, its reward-earning rate is competitive. However, the redemption rate is relatively low and the redemption options are also limited, which may impact overall value.

    Since the highest benefits are limited to a few partner merchants, SimplyCLICK SBI Card is ideal for those who frequently shop at these platforms, enabling them to maximize the card’s benefits. However, those who seek substantial returns across a broader range of online transactions, without specific merchant restrictions, could consider cards that offer broader benefits.

    SBI SimplyCLICK Credit Card Rewards Program

    Cardholders will earn reward points at the following rates:

    • 10 reward points for every Rs. 100 spent1 on the following partner brands: BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds and Cleartrip
    • 5 reward points for every Rs. 100 spent2 on other online purchases
    • 1 reward point for every Rs. 100 spent

    Also Read: 25 Best Credit Cards in India

    The SimplyCLICK SBI Card provides decent benefits on online shopping, especially for those who frequently use their card with the exclusive partners of SBI Credit Card.

    For instance, on select online partners, SBI Simply CLICK Credit Card earns a solid 2.50% rewards rate (10 points per Rs. 100 spent, 4 points = Rs. 1). Moreover, the card offers a good reward rate of 1.25% on all online spending (5 points per Rs. 100, 4 points = Rs. 1). However, SimplyClick SBI Card offers quite low reward rate of 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories.

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    Image of null

    Other Features & Benefits

    Along with accelerated rewards on multiple online partners and on general online spends, SimplyCLICK cardholders can avail the following benefits:

    • Milestone Benefits: Cleartrip e-vouchers worth Rs. 2,000 each on reaching annual spending milestones of Rs. 1 Lakh and Rs. 2 Lakh.
    • Welcome Voucher: Amazon gift voucher worth Rs. 500 on payment of joining fee
    • Annual Fee Reversal: Annual fee of Rs. 499 reversed on reaching annual spends of Rs. 1 Lakh
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000

    Also read: Fuel Credit Cards In India

    Savings Calculator

    ₹

    This is mandatory field

    If you spend upto ₹0/yr

    Spend Rewards₹0

    Milestone Benefits₹0

    You save₹0

    ₹499 Plus Applicable Taxes

    NA

    ₹499 Plus Applicable Taxes

    Waived off on annual spends of Rs. 1 lakh

    Need Help understanding?

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    SBI SimplyCLICK Credit Card Fees and Charges

    Fee Type Amount
    Joining Fee Rs. 499 + Taxes
    Annual Fee Rs. 499 + Taxes
    Finance Charges 3.50% p.m. | 42% p.a.
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 500 Nil
    Rs. 500 to Rs. 1,000 Rs. 400
    Rs. 1,000 to Rs. 10,000 Rs. 750
    Rs. 10,000 to Rs. 25,000 Rs. 950
    Rs. 25,000 to Rs. 50,000 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You want a low-fee entry-level rewards credit card

    You frequently shop with SimplyCLICK’s partner brands- BookMyShow, Myntra, Cleartrip, etc.

    You want to save on general online shopping but are not eligible for cashback cards that offer direct savings on online spends

    Similar Cards

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    YES Bank Paisabazaar PaisaSave

    Paisabazaar Review

    Overall Rating

    3.0/5

    Reward Rate3.0/5

    Co-branded Benefits4.0/5

    Rewards Flexibility2.5/5

    What do we like about this card?

    SBI Simply CLICK Credit Card can be a good option if you want a basic credit card with benefits more inclined towards online shopping. As compared to other rewards credit cards in its fee range, the benefits are better. However, if you look at a cashback credit card, you can find many options in the same fee range which would offer better value in a simpler way. The only advantage that SimplyCLICK SBI Card has over better cashback credit cards are its easier eligibility terms. Being one the most basic cards from SBI Card, the minimum income requirement is also on the lower side.

    Pros

    • 10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more
    • Low annual fee and comparatively easier eligibility terms
    • Easily achievable fee waiver condition of Rs. 1 Lakh in a year

    Cons

    • Limited options for reward redemption
    • Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card
    • The array of collaborated brands under the accelerated earnings is not impressive

    Conclusion

    Consumers looking for an entry-level credit card can consider getting SBI SimplyCLICK. However, in the same fee range, cashback cards like YES Bank Paisabazaar PaisaSave Credit Card and Tata Neu Plus HDFC Bank Credit Card can offer better savings. PaisaSave covers all online shopping without any merchant restrictions and offers 3% cashback. The Tata Neu Plus Card offers 2% back on Tata Neu and on 10+ Tata Brands across travel, electronics, grocery, dining and even jewellery purchase.

    Frequently Asked Questions

    Everything you need to know about this credit card

    The SBI SimplyCLICK credit card is offered only on the Visa network.

    The credit limit on the SBI SimplyCLICK credit card varies as per the issuer’s discretion. It is based on the consumer’s profile on factors like credit score, income, and other internal parameters.

    SBI SimplyCLICK credit card charges a low annual fee of Rs. 499, which is waived off on spending Rs. 1 lakh in the previous year.

    SBI SimplyClick Card offers accelerated 10x rewards on popular everyday brands—BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds, and Cleartrip. Additionally, cardholders can earn 5x rewards on all online spends. It also offers savings via Cleartrip e-vouchers worth Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh, respectively.

    With accelerated rewards on popular online brands and online shopping in general, SBI SimplyCLICK is a more suitable option for those who mostly spend online. On the other hand, SBI SimplySAVE is a good choice for users seeking benefits on offline shopping with benefits scattered across dining, movies, departmental stores, and grocery spends.

    No, the SBI SimplyCLICK credit card does not offer any complimentary lounge access benefits.

    Both SBI SimplySAVE and SimplyCLICK are entry-level cards available at the same annual fee of Rs. 499. However, they differ in terms of features and benefits. While SimplyCLICK offers higher value-back on online transactions, along with 10X rewards with select online brands, SimplySAVE offers accelerated value-back on select transaction categories like dining, movies and departmental store spends.

    No. SBI SimplyCLICK Credit Card does not provide complimentary airport lounge access.

    Other entry-level credit cards offering benefits similar to SBI SimplyCLICK are YES Bank Paisabazaar Paisasave Credit Card, HDFC Moneyback+ Credit Card, American Express SmartEarn Credit Card, Axis My Zone, Flipkart Axis and Swiggy HDFC Credit Card. These cards cater to the online shopping category, along with offering excellent value-back on select brands.

    Credit card limit is different for different cardholders as it depends on a lot of factors such as income, credit history, current liabilities, limit on existing cards and several other internal policies of the bank. You will get to know your limit only after you receive your card.

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    Footnotes

    1. Cumulative capping of 10,000 Reward Points per calendar month on 10X Reward Points accrued on Online spends with exclusive partners
    2. Cumulative capping of 10,000 Reward Points per calendar month on 5X Reward Points accrued on other Online Spends

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

    2 Comments

    Deovrat Tiwari
    July 18, 2023

    Do we get lounge access from simply click credit card

    Reply
    Team PaisaBazaar
    July 18, 2023

    No. SBI SimplyCLICK Credit Card does not offer complimentary airport lounge access.

    Leave a Reply to Deovrat Tiwari

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