Finding the right credit card can be confusing. Some offer lounge access, some give big travel rewards, and others keep it simple with cashback. If you mainly shop online and want straightforward rewards, this SBI SimplyClick Credit Card review can help.
This review breaks down everything about the card. From fees and rewards to pros, cons, and who should actually apply for it. By the end, you will know whether the SBI SimplyClick Credit Card fits your lifestyle or if you should look elsewhere.
Quick Overview
| Feature | Details |
| Card Issuer | SBI Card |
| Annual Fee | ₹499 (reversed if yearly spend is ₹1,00,000) |
| Welcome Bonus | ₹500 Amazon voucher on joining |
| Best For | Online shoppers, young professionals, people spending mostly on e-commerce |
SBI SimplyClick Credit Card review: Key Benefits
Cashback/Rewards
- Earn 10x reward points on partner websites like Amazon, BookMyShow, Cleartrip, UrbanClap, Netmeds and more.
- 5x reward points on all other online shopping.
- 1x reward point on offline spends.
- Each point is worth ₹0.25, and points can be redeemed against shopping vouchers, gift cards, or purchases through SBI’s portal.
Travel Benefits
This is not a travel card, so don’t expect lounge access or free tickets. However, if tickets are booked on partner sites like Cleartrip, the boosted rewards still help reduce travel costs.
Shopping/Partner Offers
- Amazon, BookMyShow, and Apollo 24×7 give extra value through higher rewards.
- Seasonal SBI Card offers on Myntra, Ajio, or Flipkart often stack with SimplyClick.
- Frequent e-commerce shoppers can save thousands yearly.
EMI/Big Spend Perks
- Option to convert purchases over ₹2,500 into EMIs.
- Spend ₹1,00,000 in a year and the annual fee is waived.
- Spend ₹1,00,000 in a year again and get an additional ₹2,000 Cleartrip voucher.
Fees & Charges
- Annual Fee: ₹499 (waived off if yearly spend is ₹1,00,000).
- Renewal Fee: ₹499 per year.
- Interest Rate (APR): 42% per annum (3.5% per month).
- Late Payment Fee: ₹400 – ₹1,300 depending on due amount.
- Foreign Currency Markup: 3.5%.
- Cash Withdrawal Fee: 2.5% of withdrawal (minimum ₹500).
Pros & Cons
Pros
- Low annual fee compared to benefits.
- 10x rewards on Amazon and other partners.
- Easy annual fee waiver at ₹1,00,000 spend.
- Good for beginners and first-time cardholders.
- Clear rewards system without complex terms.
Cons
- No airport lounge access.
- No direct cashback, only reward points.
- High interest rate (if dues are not cleared).
- Not ideal for people spending mostly offline or on fuel.
Who Should Apply for SBI SimplyClick Credit Card?
- Best For:
- Young professionals shopping often on Amazon, Myntra, or BookMyShow.
- Students or early jobbers looking for their first rewards card.
- Families who spend online for groceries, medicines, and movie tickets.
- Young professionals shopping often on Amazon, Myntra, or BookMyShow.
- Not Ideal For:
- Frequent travellers who want lounge access and air miles.
- People using cards only for petrol (better fuel cards exist).
- Casual spenders who don’t cross ₹1,00,000 annually (may lose fee waiver).
- Frequent travellers who want lounge access and air miles.
How to Apply for SBI SimplyClick Credit Card
Eligibility Criteria
- Age: 18–65 years.
- Salaried or self-employed with stable income.
- Good credit score (700+ recommended).
Documents Required
- PAN card.
- Aadhaar card / passport / voter ID (address proof).
- Latest salary slip / ITR / bank statement.
Application
The card can be applied online through the SBI Card website. In-person applications are also possible at SBI branches.
FAQs about SBI SimplyClick Credit Card
1. Is SBI SimplyClick Credit Card free?
No. It comes with a ₹499 annual fee, but the fee is waived if your yearly spends cross ₹1,00,000.
2. Can SBI SimplyClick be used abroad?
Yes, but it has a 3.5% foreign transaction markup, making it less attractive for frequent international travellers.
3. Are reward points equal to cashback?
Not directly. Points can be redeemed for gift vouchers or shopping, but not credited as cash in the account.
4. How much is one reward point worth?
Each reward point is worth 25 paise.
5. Is it a good card for beginners?
Yes. The low annual fee, easy approval, and straightforward rewards make it perfect for first-time cardholders.
Conclusion
The SBI SimplyClick Credit Card is one of the best entry-level rewards cards in India. With 10x rewards on Amazon and partner brands, plus 5x on general online shopping, it is built for today’s digital lifestyle.
For someone who spends ₹8,000–₹10,000 a month online, this card can easily save ₹6,000–₹8,000 per year in vouchers and fee waivers.
👉 Verdict: Great choice for online shoppers and young earners. Not worth it if most spending is offline or on travel.
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