SBI SimplyCLICK Credit Card is a well-crafted initial card for digital buyers who are keen to earn more for their daily digital spends. Backed by the VISA platform and offered by SBI Card, the card provides good-looking reward points, particularly on popular e-commerce sites such as Amazon, Myntra, BookMyShow, and many more. One of its major features is the 10X reward points on partner websites and 5X rewards on other online expenses. With a joining fee of ₹499 + GST and an annual charge of ₹499 + GST ( waived for annual spends of ₹1 lakh), it has a good value proposition for people who use online channels. Merging value for money with rewarding convenience, SimplyCLICK Credit Card is the right choice for new professionals and initial cardholders wanting to maximize their savings on electronic purchases.
Table of Contents
Welcome Benefits
The SBI SimplyCLICK Credit Card provides decent welcome advantage to make users rewarded from day one. On the successful payment of the joining fee, card members get a ₹500 Amazon e-Gift Voucher, which is credited to their registered email ID within 30 days. This advantage makes the card immediately rewarding and especially attractive to online consumers, as Amazon is one of the most popular platforms in India. It’s an easy means of getting back the joining fee, so the card is an affordable option from the start.
Travel and Shopping Benefits
The SBI SimplyCLICK Credit Card is specifically designed for individuals who love browsing online and, from time to time, book their travel via digital websites. The card’s greatest strength is giving 10X reward points on spends at the network of online merchants like Amazon, Myntra, BookMyShow, Cleartrip, Yatra, Netmeds, Apollo 24|7, Swiggy, IGP, and Domino’s. The rewards program with faster benefits guarantees users receive more value back on their most regular online spends. However discounted offer tranactions like on amazon are excluded from reward program, which may affect overall returns through cashbacks and reward points.
The card also gives 5X reward points on all other digital spends, including categories like electronics, fashion, grocery, and food delivery, providing regular savings on all digital platforms. For offline transactions, normal 1X reward point for every ₹100 applies. From a weekend outing at the movies, a Myntra shopping extravaganza, to booking your next vacation via Cleartrip, the SimplyCLICK Credit Card makes sure that your online way of life is rewarded all the time.
In terms of travel, although the card does not have free lounge access or travel insurance, it is still worth its weight in terms of partner tie-ups. Bookings for flights or hotels on Cleartrip or Yatra by users earn 10X reward points, converts travel spends into large reward earnings.
Lounge Access
The SBI SimplyCLICK Credit Card does not include free airport lounge access, an important thing for frequent flyers. Since this card is targeted towards online shoppers and first-time credit card customers, it emphasizes reward accrual from digital transactions rather than travel facilities. Users who are looking for lounge access as a core benefit can consider SBI’s premium cards such as SBI Card ELITE or SBI Prime, which offer both domestic and international lounge facilities.
Milestone Rewards
SBI SimplyCLICK Credit Card bestows steady usage in the form of yearly milestone rewards that equate to travel savings. If a cardholder’s overall retail expenses (excluding wallet loads, cash withdrawals, and fuel spends) during the year exceed certain marks, they are eligible for e-gift vouchers from Cleartrip, SBI Card’s one of the travel partners:
₹2,000 Cleartrip Voucher on Annual Spend of ₹1,00,000
After a user spends ₹1 lakh in a card anniversary year, he/she is rewarded with a ₹2,000 Cleartrip e-gift voucher, redeemable for flights or hotels on the Cleartrip website.
₹2,000 Cleartrip Voucher on Annual Spend of ₹2,00,000
On reaching the ₹2 lakh annual spend mark, cardholders get another ₹2,000 Cleartrip e-gift voucher, giving ₹4,000 worth of travel benefits annually if both milestones are crossed.
These milestone vouchers usually arrive at the registered email address within 30 days of hitting the spending slab & its valid for 4 months only. This makes the card highly rewarding for customers who regularly spend on online and routine purchases, as this enables them to earn back nearly 8 times the annual fee in value of vouchers alone.
Other Benefits
The SBI SimplyCLICK Credit Card also has multiple other benefits in order to extend the cardholder’s experience. These benefits include:
- Fuel Surcharge Waiver:Cardholders get a surcharge wavier of 1% on fuel surcharge for transactions between ₹500 and ₹3,000 at India’s fuel stations to a maximum of ₹100 for each statement period. This is a useful advantage for cardholders who fill fuel in their vehicle frequently.
- Annual Fee Waiver: The SBI SimplyCLICK Credit Card offers an annual fee waiver that increase its long-term value. While the card carries an annual renewal fee of ₹499 plus GST, this fee is waived off if your total spending in the previous year equals or exceeds ₹1,00,000.
- Contactless Payments : Encasing contactless technology, the SimplyCLICK Credit Card allows instant and secure payment with a finger tap at one’s convenience for active users.
- Easy EMI Option: Spend amounts are converted into easy monthly payments (EMIs) by card holders in the form of flexible tenors, making big spends feasible.
Reward Structure and Redemption
| Spending Type | Details / Partner Platforms | Reward Rate | Points per ₹100 | Effective Cashback (₹0.25/point) |
|---|---|---|---|---|
| Online Spends on Partner Websites | Amazon, Myntra, BookMyShow, Cleartrip, Yatra, Netmeds, Apollo 24/7, Swiggy, IGP, Domino’s | 10X Reward Points | 10 points | ₹2.50 |
| Other Online Spends (Non-partner sites) | Includes Flipkart, Nykaa, Ajio, BigBasket, etc. | 5X Reward Points | 5 points | ₹1.25 |
| Offline Retail Spends | Grocery stores, supermarkets, in-store apparel, electronics, etc. | Standard 1X | 1 point | ₹0.25 |
| Utility Bill Payments (Online/Offline) | Electricity, gas, water, DTH, mobile postpaid | 1X Reward Point | 1 point | ₹0.25 |
| Travel Bookings (via Cleartrip/Yatra) | Flights, hotels, bus bookings made only via SBI Card’s partner travel portals | 10X Reward Points | 10 points | ₹2.50 |
| Dining & Food Delivery | Swiggy (partner site: 10X), others like Zomato (non-partner: 5X) | 10X or 5X depending site | 5–10 points | ₹1.25–₹2.50 |
| Medical & Pharmacy | Apollo 24/7, Netmeds (partners = 10X), other platforms = 5X or 1X depending mode | 10X or 5X or 1X | Varies | Varies |
| Fuel Transactions | Petrol pumps across India (₹500–₹3,000 per txn eligible for 1% waiver) | No Reward Points | 0 | Not Applicable |
| Wallet Reloads & EMI Conversions | Paytm, PhonePe, Mobikwik, EMI purchases | Not eligible for rewards | 0 | Not Applicable |
Reward Redemption
Reward points earned on the SBI SimplyCLICK Credit Card can be redeemed online or via the SBI Card app. One point is worth ₹0.25 and can be redeemed for gift vouchers, merchandise, or travel bookings from the SBI Card rewards catalogue. A redemption charge of ₹99 plus GST is applicable per request, and points expire after 2 years from the date of earning. Such transactions as fuel, wallet reloads, and EMI conversions are not rewardable.
Example Case Study
Lets understand how much you save by spending ₹2,00,000 in a year. refer below table to visualise actual savings posiible.
| Spending Category | Annual Spend (₹) | Reward Rate | Reward Points |
|---|---|---|---|
| Partner Sites (Amazon, Myntra) | ₹60,000 | 10 RP per ₹100 | 6,000 RP |
| Other Online Spends | ₹80,000 | 5 RP per ₹100 | 4,000 RP |
| Offline/Other Spends | ₹60,000 | 1 RP per ₹100 | 600 RP |
| Total Reward Points Earned | 10,600 RP |
Reward Point Value:
| Total Reward Points | Value of Points (₹0.25 per RP) |
|---|---|
| 10,600 RP | ₹2,650 |
Milestone Benefits:
| On Annual Spend (₹) | Milestone Voucher |
|---|---|
| ₹1,00,000 | ₹2,000 Cleartrip Voucher |
| ₹2,00,000 | ₹2,000 Cleartrip Voucher |
| Total Milestone Benefits | ₹4,000 |
Other Benefits:
| Benefit | Details |
|---|---|
| Welcome Gift | ₹500 Amazon Voucher |
| Fuel Surcharge Waiver (approx.) | ₹600 (on ₹3,000 monthly fuel) |
Final Summary:
| Description | Amount (₹) |
|---|---|
| Rewards | ₹2,650 |
| Milestone Vouchers | ₹4,000 |
| Welcome Voucher | ₹500 |
| Fuel Surcharge Waiver | ₹600 |
| Total Annual Savings | ₹7,750 |
Fees And Charges
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | ₹499 + GST (one-time) |
| Annual Fee | ₹499 + GST (waived on annual spends of ₹1,00,000) |
| Finance Charges | 3.50% per month (42% per annum) |
| Late Payment Fee |
₹0 for dues up to ₹500 ₹400 for ₹501–₹1,000 ₹750 for ₹1,001–₹10,000 ₹950 for ₹10,001–₹25,000 ₹1,100 for ₹25,001–₹50,000 ₹1,300 for above ₹50,000 |
| Cash Advance Fee | 2.5% of the withdrawn amount or ₹500 (whichever is higher) |
| Overlimit Charges | 2.5% of the overlimit amount or ₹600 (whichever is higher) |
| Card Replacement Fee | ₹100 |
| Foreign Currency Mark-up Fee | 3.5% of the transaction amount |
| Reward Redemption Fee | ₹99 + GST per redemption request |
Eligibility Criteria and Documents Required
Applicants for the SBI SimplyCLICK Credit Card need to fulfill certain eligibility criteria established by SBI Card. These are mainly age, stable income, and creditworthiness to promote prudent use of the card. The following are the typical criteria:
Eligibility Criteria:
- Age: Applicant must be between 18 to 60 years old
- Occupation: Salaried and self-employed persons are eligible
- Income: Should possess a permanent source of income (detailed minimum income not made publicly available, however, a minimum income of ₹20,000 per month is usually suggested)
- Credit Score: Having a good credit score (ideally 750 or more) enhances the possibility of approval
- Residential Status: Should be an Indian resident with a legitimate address
Documents Required:
- Identity Proof (any one): PAN Card, Aadhaar Card, Voter ID, Passport, or Driving License
- Address Proof (any one): Aadhaar Card, Passport, Utility Bill, Rental Agreement
- Income Proof:
- Salaried: Recent salary slips or bank statement (recent 3 months), Form 16
- Self-Employed: ITR (recent 2 years), Documents of business registration, and bank statements
How to Apply
You may avail the SBI SimplyCLICK Credit Card online or offline application, Online method is faster and offers hassle-free tracking of application:
Online Process:
Sign in to sbicard.com, select SimplyCLICK Credit Card, fill out the application form, upload address and income proofs and your PAN, and apply. You will see instant approval or rejection, followed by a verification process for your KYC details. You receive the approved card in 5–7 working days.
Offline Process:
Visit your nearest SBI branch or apply through an SBI Card representative by submitting the necessary documents physically.
My Thoughts – Review
The SBI SimplyCLICK Credit Card is a very good starter card, particularly for users who want to earn reward points on day-to-day online spending. Offering a whopping 10X rewards scheme on popular partner sites and 5X rewards on all other online expenses, it provides unbeatable value in the reward points space. The net cashback is even better since the ₹499 membership fee is compensated through an Amazon gift voucher worth the same amount.
For customers who spend ₹1,00,000 or more in a year, the annual charge is fully waived, making this card free of cost every year. Additionally, the milestone reward of ₹2,000 worth of vouchers on ₹1,00,000 in yearly spending makes its more attractive, especially for those with higher online spendings.
But note that the card is solely rewards-oriented and does not feature premium travelling benefits such as airport lounge visits for free, travel insurance, or concierge facilities. Hence, it may not be the best choice for regular travelers looking for lifestyle and luxury benefits.
Overall, the SBI SimplyCLICK Credit Card is a great option for beginer credit card users, young professionals, and those who spend mostly online particularly those whose online spends for the year are more than ₹1,00,000.
FAQ
1. Does SBI SimplyCLICK Credit Card offer airport lounge access?
No, SBI SimplyCLICK Credit Card does not offer complimentary airport lounge access. It is a simple rewards-based card for online shoppers, not travel enthusiasts.
2. Is there fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver on spends between ₹500 and ₹3,000 at all petrol pumps in India with a maximum waiver of ₹100 per statement cycle.
3. Can I earn accelerated reward points on all online spends?
You earn 10X reward points on select partner websites like Amazon, Myntra, BookMyShow, and Cleartrip, and 5X points on other online spends. Offline or utility spends earn only base rewards (1 RP for ₹100).
4. Is there any cashback facility on this card?
No, the card doesn’t give cashback in itself. Instead, it is operated on a rewards point system on which points may be redeemed for buying products, vouchers, or gift cards online via the SBI Card rewards portal.
5. What is the requirement to waive the annual fee?
The ₹499 annual charge is waived if you have incurred ₹1 lakh or more during the previous year. This is ideal for people who shop a lot online.
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