SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card delivers exceptional value for online shoppers with up to 10X reward points on popular e-commerce platforms like Swiggy, Myntra, BookMyShow, and Cleartrip, plus attractive milestone benefits and a low annual fee structure ideal for digital-first consumers.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | SBI |
| Card Type | Visa |
| Joining Fee | 499 Plus GST |
| Annual Fee | 499 Plus GST |
| Welcome Benefits | ₹500 Amazon Gift Card voucher on payment of joining fee |
| Fee Waiver Condition | Annual fee of ₹499 is waived if you spend ₹1,00,000 or more in the card membership year. |
| Reward Rates | Earn 2.5% on 10X partner brands (Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra), 1.25% on other online purchases, and 0.25% on offline purchases. Monthly cap of 10,000 reward points on 10X partners and other online spends. |
| Interest Rates | 3.5% per month (42% per annum) |
| Foreign Exchange Markup | 3.5% plus GST on foreign currency transactions |
| Best For | Online Shopping |
Key Features & Benefits
The SBI SimplyCLICK Credit Card transforms your online shopping experience into a rewarding journey. With 10X reward points on partner merchants including Swiggy, Myntra, Dominos, and BookMyShow, you earn 2.5% effective returns on your favorite brands. The card offers 5X points on all other online purchases, ensuring 1.25% returns across the digital marketplace, while offline purchases earn 1X points.
Beyond rewards, cardholders enjoy milestone benefits with ₹2,000 travel vouchers at ₹1 lakh and ₹2 lakh annual spending thresholds. The welcome benefit includes a ₹500 Amazon gift card, and fuel transactions between ₹500-₹3,000 come with 1% surcharge waiver. EMI conversion facilities and utility bill payment options add convenience to your financial management.
All You Need to Know About: SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is a Visa network credit card issued by State Bank of India, specifically designed for online shopping enthusiasts and digital payment users. With a joining and annual fee of ₹499 plus GST each, totaling approximately ₹589, the card becomes effectively free for users who spend ₹1,00,000 or more annually. The welcome benefit includes a ₹500 Amazon gift card upon joining fee payment, making the initial cost practically negligible.
The reward structure is the card’s primary attraction, offering 10X reward points (2.5% effective return) on ten popular partner merchants including Swiggy, Myntra, BookMyShow, Cleartrip, Dominos, Apollo 24|7, IGP, Netmeds, and Yatra. Other online purchases earn 5X points (1.25% return), while offline transactions receive 1X points (0.25% return). Monthly caps of 10,000 reward points apply to both 10X partner and 5X general online categories. Milestone rewards include ₹2,000 travel vouchers at ₹1 lakh and ₹2 lakh annual spending levels.
Eligibility requires minimum monthly income of ₹20,000 for salaried employees and ₹30,000 for self-employed individuals. The card carries a high interest rate of 3.5% per month (42% per annum) and 3.5% plus GST foreign exchange markup. Additional features include 1% fuel surcharge waiver on transactions between ₹500-₹3,000, EMI conversion facilities on purchases above ₹2,500, and utility bill payment options.
The card targets entry-level users and moderate-income individuals who prioritize online shopping rewards over premium benefits like lounge access. Hidden charges include cash advance fees, late payment penalties, overlimit charges, and card replacement fees. Application processing typically takes 7-14 working days through the official SBI Card website with standard documentation requirements. While lacking premium perks, the card excels in reward earning potential for digital-savvy consumers who can maximize the partner merchant benefits and meet annual spending thresholds.
Pros & Cons
Pros
- High 10X reward rate on popular online merchants
- Low annual fee with easy waiver on ₹1 lakh spending
- Attractive milestone rewards and welcome benefits
- Fuel surcharge waiver and EMI conversion facilities
Cons
- No complimentary lounge access provided
- High interest rate of 42% per annum
- Monthly reward caps limit earning potential
- Limited offline reward rate at 0.25%
How to Apply
Visit the official SBI Card website and navigate to the SimplyCLICK credit card section. Complete the online application form with personal, income, and employment details. Upload required documents including ID proof, income proof, and address verification. Submit the application and wait 7-14 working days for processing and approval, subject to credit assessment and document verification.
Detailed Fee Structure
The SBI SimplyCLICK Credit Card charges ₹499 plus GST as both joining and annual fee, totaling approximately ₹589 including taxes. The annual fee is completely waived on spending ₹1,00,000 or more in a year, making it effectively free for active users.
Hidden charges include cash advance fees at 2.5% of transaction amount or ₹500 minimum, late payment penalties ranging from ₹400 to ₹1,300 based on outstanding amounts, overlimit fees at 2.5% or ₹600 minimum, and card replacement charges between ₹100-₹250. Foreign exchange markup stands at 3.5% plus GST on international transactions.
Who Should Get This Card?
The SBI SimplyCLICK Credit Card is perfect for digital natives and online shopping enthusiasts who frequently use platforms like Swiggy, Myntra, BookMyShow, and Cleartrip. Ideal for entry-level credit card users with monthly income around ₹20,000-₹30,000 who want to maximize rewards on digital spending without high annual fees. Best suited for customers who can meet the ₹1 lakh annual spending threshold for fee waiver and prefer cashback over premium perks like lounge access.
Alternatives & Competitor Comparison
| Feature | SBI SimplyCLICK Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Card Image |  |  |
| Card Network | Visa | Visa |
| USP | The SBI SimplyCLICK Credit Card delivers exceptional value for online shoppers with up to 10X reward points on popular e-commerce platforms like Swiggy, Myntra, BookMyShow, and Cleartrip, plus attractive milestone benefits and a low annual fee structure ideal for digital-first consumers. | The SBI cashback Credit Card offers attractive 5% cashback on all online spends and 1% on offline transactions, making it the perfect card for frequent online shoppers and everyday spenders seeking maximum savings with easy fee waiver options. |
| Annual Fee | 499 Plus GST | 999 Plus GST |
| Joining Fee | 499 Plus GST | 999 Plus GST |
| Welcome Benefits | ₹500 Amazon Gift Card voucher on payment of joining fee | N/A |
| Lounge Access | N/A | N/A |
| Reward Rate | Earn 2.5% on 10X partner brands (Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra), 1.25% on other online purchases, and 0.25% on offline purchases. Monthly cap of 10,000 reward points on 10X partners and other online spends. | 5% cashback on all online spends without any merchant restrictions; 1% cashback on all offline spends; fuel surcharge waiver of 1% on fuel transactions between ₹500 and ₹3,000 (max ₹100 per billing cycle); no cashback on fuel payments, merchant EMIs, wallet loads, etc. |
| Interest Rate | 3.5% per month (42% per annum) | 3.75% per month (45% per annum) on unpaid balances |
| Best For | Online Shopping | Online Shopping |
| Apply Now | Apply Now | Apply Now |
Frequently Asked Questions
What is the annual fee for SBI SimplyCLICK Credit Card?
The SBI SimplyCLICK Credit Card annual fee is ₹499 plus GST (approximately ₹589 total), which is waived on annual spending of ₹1,00,000 or more.
Which merchants offer 10X reward points on SBI SimplyCLICK Credit Card?
SBI SimplyCLICK Credit Card provides 10X reward points on Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, and Yatra with monthly cap of 10,000 points.
What is the minimum income requirement for SBI SimplyCLICK Credit Card?
The minimum income requirement for SBI SimplyCLICK Credit Card is ₹20,000 monthly for salaried individuals and ₹30,000 monthly for self-employed applicants.
Does SBI SimplyCLICK Credit Card provide complimentary lounge access?
No, the SBI SimplyCLICK Credit Card does not offer complimentary domestic or international airport lounge access benefits.
What welcome benefits does SBI SimplyCLICK Credit Card offer?
SBI SimplyCLICK Credit Card provides a ₹500 Amazon gift card as welcome benefit upon payment of the joining fee, plus milestone rewards at higher spending levels.
Final Verdict
Is the SBI SimplyCLICK Credit Card right for you? If you're an online shopping enthusiast who frequently uses popular e-commerce platforms and can spend ₹1 lakh annually, this card offers excellent value with up to 10X rewards and attractive milestone benefits. However, those seeking premium perks like lounge access or low interest rates should consider alternatives. For digital-first consumers wanting reward-driven spending without high fees, the SBI SimplyCLICK Credit Card delivers solid returns and convenience. Apply today to start earning enhanced rewards on your favorite online brands.
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