SBI SimplyCLICK Credit Card
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Community Consensus
Consensus Note: SBI SimplyCLICK Credit Card issued by SBI Card remains a flagship choice for Online shoppers, digital payment users, frequent e-commerce spenders. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The SBI SimplyCLICK Credit Card issued by SBI Card offers competitive value for Online shoppers, digital payment users, frequent e-commerce spenders. Audit your monthly spending against its ₹499 + taxes fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of ₹499 + taxes
- ⚡ Lounge access policy: None
- ⚡ Reward rate: 10X RP (2.5%) on 10 partner brands; 5X RP (1.25%) on other online; 1X RP (0.25%) offline
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Community Verdict
[!NOTE] Our Take: The SBI SimplyCLICK is a solid entry-level card for online shoppers, anchored by a ₹500 Amazon voucher and 10X rewards on select partner brands. The ₹1 Lakh annual fee waiver is easily achievable and the card is beginner-friendly. The main frustrations: no lounge access, a poor 0.25% offline rate, and only travel vouchers for redemption (no cashback or statement credit). If you shop heavily on Myntra, Cleartrip, or Swiggy, the 2.5% return on those brands is competitive for a ₹499 card.
Pros
- 10X Partner Rewards: Earn 10 RP per ₹100 (2.5% value back) on 10 exclusive partner brands covering shopping, travel, food, and health.
- ₹500 Amazon Welcome Voucher: Joining benefit effectively offsets the ₹499 fee on day one.
- Dual Milestone Vouchers: Earn up to ₹4,000 in Cleartrip/Yatra vouchers annually (₹2,000 each at ₹1L and ₹2L spend).
- Easy Fee Waiver: Annual fee reversed on just ₹1 Lakh annual spend — low barrier for most working professionals.
- Beginner-Friendly: Easy approval with modest income eligibility.
Cons
- No Lounge Access: Zero complimentary airport visits of any kind.
- Low Offline Rate: Base earn is 0.25% on offline retail — weak compared to other entry-level cards.
- Redemption Constraints: Only Cleartrip/Yatra e-vouchers for redemption; no cashback or statement credit. 2,000 RP minimum, ₹99 fee.
- Monthly Cap on Accelerated Rewards: 10X partner points capped at 10,000 RP/month; 5X online capped at 10,000 RP/month.
- High Forex Markup: 3.5% + GST (~4.1%) forex charge makes it poor for international use.
Reward Spends & Categories
| Category Spend | Earning Rate | Cap |
|---|---|---|
| 🛒 Partner Brands (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ, Yatra) | 10 RP per Rs 100 (2.5%) | 10,000 RP/month |
| 💻 Other Online Shopping | 5 RP per Rs 100 (1.25%) | 10,000 RP/month |
| ✈️ Flights & Hotels (travel portals) | 5 RP per Rs 100 (1.25%) | 10,000 RP/month |
| 🛍️ Offline / Other Retail | 1 RP per Rs 100 (0.25%) | None |
| 🏛️ Government Spends | 0% (excluded) | — |
| 🏠 Rent Transactions | 0% + 1% fee (capped Rs 250 + GST) | — |
| ⛽ Fuel | 0% (No rewards) | — |
| 📱 Mobile Wallet Loads | 0% | — |
[!IMPORTANT] Points Valuation: 4 RP = Rs 1 (0.25 paise per RP). So 10X RP on partners = 10 × 0.25 = 2.5% return. 5X RP on online = 5 × 0.25 = 1.25%. Base offline = 0.25%. Points expire in 36 months.
Milestone Benefits
| Milestone | Benefit |
|---|---|
| Joining Fee Payment | Amazon e-Gift Card worth ₹500 |
| Annual Spend ₹1 Lakh | Annual fee (₹499 + taxes) reversed |
| Annual Spend ₹1 Lakh | ₹2,000 Cleartrip/Yatra e-voucher |
| Annual Spend ₹2 Lakhs | ₹2,000 Cleartrip/Yatra e-voucher |
[!TIP] Combine the Amazon welcome voucher + ₹4,000 in milestone vouchers with regular partner-brand rewards and you’ve got a card that pays for itself multiple times over if you shop online frequently.
Fuel Surcharge Waiver Details
| Detail | Value |
|---|---|
| Surcharge Waiver Rate | 1% on fuel transactions |
| Per-Transaction Range | ₹500 – ₹3,000 |
| Monthly Cap | ₹100 per statement cycle |
[!NOTE] Fuel earns no reward points — the 1% surcharge waiver is the only benefit on fuel spends.
Airport Lounge & Travel Perks
No airport lounge access. This card does not include domestic or international lounge visits of any kind.
Data Verification
- Verification Tier: LIVE_VERIFIED
- Editorial Feeds: 6 Articles Analysed (official SBI page, Paisabazaar, CardMaven, Trade Brains — July 2026)
- Last Official Update: June 2026
- Source: SimplyCLICK SBI Card – SBI Card Official
For official terms, interest rates, and applications, refer to the Bank Reference Page.