The SBI SimplyCLICK Credit Card is designed for online shoppers. One of the key features of the SBI SimplyCLICK Credit Card is the accelerated rewards program. We can earn 10 times the reward points on online spends with exclusive partners such as BookMyShow, Cleartrip and Myntra. Besides the accelerated reward points, the SBI SimplyCLICK Credit Card also offers a milestone rewards program. The card offers e-vouchers worth Rs 2000 on annual online spends of Rs 1 Lakh and Rs 2 Lakh respectively. Read on for a detailed review of the rewards and benefits of the SBI SimplyCLICK Credit Card.
Eligibility Criteria
SBI Card does not state the eligibility criteria on the application page for this card. Below are the standard requirements for getting a better chance of approval. SBI Card has kept eligibility criteria low as SimplyCLICK is an entry-level card.
| Credit Score | 750 and above |
| Occupation | Self-Employed or Salaried |
| Income for Salaried | Above 20K per month |
| Income for Self Employed | Above 30K per month |
Fees
| Joining Fee | Rs 499+GST ~Rs 589 |
| Welcome Benefit | Rs 500 Amazon Gift Card |
| Annual Fee | Rs 499+GST ~Rs 589 |
| Renewal Benefit | None |
| Annual Fee Waiver | On Rs 1 Lakh annual spends |
SBI SimplyCLICK Credit Card Rewards
SBI SimplyCLICK has three reward rates depending on the type of spend and merchant. Each reward point is worth 25 paise for all redemption options.
| Type of Spend | Rewards | Return |
|---|---|---|
| Offline spends | 1 RP/Rs 100 | 0.25% |
| Online spends (except 10X partners) | 5 RP/Rs 100 | 1.25% |
| Online spends (10X partners) – Apollo 24X7, BookMyShow, Cleartrip, Netmeds, Myntra, Dominos, Swiggy, Yatra | 10 RP/Rs 100 | 2.5% |
| Rent Payments | 1 RP/Rs 100 | 0.25% |
| Wallet Spends | No Rewards | 0% |
| Fuel Spends | No Rewards | 0% |
As the name ‘SimplyCLICK’ suggests, this card is for online shopping with a 1.25% to 2.5% reward rate. There is no benefit in using this card for any offline buy with the low 0.25% reward rate. So, go with this card only for online purchases.
Monthly Cap on Accelerated Rewards
- Cumulative 10X Reward Points on online spending with partners: Max 10000 RP every calendar month
- Cumulative 5X Reward Points on other online spends: Max 10000 RP every calendar month
Milestone Rewards
Over and above the regular rewards, the card also offers milestone rewards of:
- Cleartrip/Yatra Gift Voucher of Rs 2000 on spends of Rs 1 Lakh
- Cleartrip/Yatra Gift Voucher of Rs 2000 on spends on Rs 2 Lakh
There is no option to choose from any other provider and the EGV is sent automatically on achieving the target. With the milestone rewards, the reward rate on 10X partners is 4.5% which is good and better than some premium credit cards.
Rewards Redemption
SBI SimplyCLICK offers two options for reward redemption – Cleartrip or Yatra vouchers. There is no statement credit option.
The minimum reward points needed for redemption are 2000. Each reward point is equivalent to 25p. Redemptions can be in blocks of Rs 500 for Cleartrip and Yatra e-gift vouchers. SBI Card does not charge a redemption fee for SimplyCLICK.
No Complimentary Airport Lounge Access
We do not get any complimentary airport lounge access on the SBI SimplyCLICK credit card.
- Domestic Airport Lounge Access: Not Available
- International Airport Lounge Access: Not Available
Pros and Cons
Pros
- 4.5% rewards on 10X partner transactions
- 3.25% rewards on online transactions
- Easy to achieve annual fee waiver
Cons
- No option to get statement credit against reward points
- A low reward rate of 0.25% on offline purchases restricts using this card as an all-rounder for all types of spends
Other Key Benefits and Charges
- Fuel Surcharge Waiver: 1% surcharge waiver for transactions between Rs 500 and Rs 3000. Maximum surcharge waiver of Rs 100 per statement cycle.
- Forex Markup:Â 3.5%+GSTÂ ~4.13%
- Rewards Redemption Fee: Zero
- Interest Charges:Â 3.5% per month or 42% per annum
Final Thoughts
In conclusion, the SBI SimplyCLICK Credit Card is a feature-rich credit card that caters to the needs of online shoppers. Whether you are a frequent online shopper or someone looking to start their online shopping journey, the SBI SimplyCLICK Credit Card can be a great choice. With its accelerated rewards program, milestone rewards, fuel surcharge waiver, and welcome offer, it provides cardholders with a range of benefits and incentives.
When taking on a new credit card, we should ensure three things – it should be easy to get approved for, it should preferably be LTF and have a fee waiver, and finally, card rewards should be good. It ticks all these boxes, which is what makes the SBI SimplyCLICK credit card a great choice for almost everyone.
For similar rewards, you can consider Axis Ace, which offers 2% rewards for all purchases. The SBI Cashback card also offers a higher cashback than SimplyCLICK. During sales, however, SBI Cashback will not be able to take advantage of 10% instant discounts, while SimplyCLICK will.
Frequently Asked Questions
SBI SimplyCLICK Credit Card
18 thoughts on “SBI SimplyCLICK Credit Card”
Hi
You have an excellent forum for information on credit cards. Just want to ask a question on this simplyclick card – can this card be converted to Rupay credit card by Sbicard app? My friend told me it can be done. If yes , Then rewards will remain the same as mentioned for this card or will they be changed also.
Thanks
Pavan
SBI SimplyCLICK is not available on RuPay yet. SimplySAVE is the one available on RuPay.
SBI Simply Click now doesnt give reward point if used for instant discount on any sale etc
So if you buy something on big billion sale, you get no reward points
If the system automatically assigns rewards points, they will claim it back
This makes the card useless in my eyes
This is part of their T&C for all their cards now. The ideal way would have been to not assign the reward points for these transactions at all.
What is the reward rate for income tax payments?
There is no exclusion in T&C for government payments. So online income tax payments should accrue 5X RP.
Nice Information.
Hi is there no lounge access benefit on this card???
Yes, that is correct. No airport lounge access on SBI SimplyCLICK.
What about a redemption fees of 99 (+GST?)?
How it is calculated i.e each time (redemption of 10000 points) OR 99 for each 2000 points redemption?
Once per redemption. It can be any number of points/vouchers in one redemption.
That was quick!
Thanks for helping!
i’m interested in this card but cleartrip voucher seem waste for me can i swap for some other reward? have anyone requested?
Unfortunately, no. SBI Card does not give any choice in this. Wish they would replace it with Amazon. 🙂
I got the mail with link for redemption of 1500 Myntra voucher….how ever the message not fully delivered and link I could not see……kindly help me how to get that redemption link
You can ask SBI Card customer care to resend the SMS.
Dear Sir,
I have completed the transaction of 20000 through my SBI card.
Please tell me the process to claim the Myntra Gift voucher.
Hi Ranjeet – SBI Card will be communicating the Myntra Gift voucher details by SMS/Email once the offer fulfillment period ends. The current offer is running up to 7th June and the voucher will be sent by 22nd July 2021.