SBI SimplyCLICK Credit Card Review

SBI-SimplyCLICK-Credit-Card Review

SBI Card is now the 2nd largest credit card issuer in India. Getting an SBI Card is a good choice for one simple reason. It is often the partner for a 10% instant discount during Amazon/Flipkart sales. This is why an SBI credit card is a must-have for every person who shops online at these portals. And talking of online shopping, the SBI SimplyCLICK credit card is the best one for that. Here is a hands-on review 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 Score750 and above
OccupationSelf-Employed or Salaried
Income for SalariedAbove 20K per month
Income for Self EmployedAbove 30K per month
SBI SimplyCLICK Credit Card Review – Eligibility Criteria

Fees and Charges

Joining FeeRs 499 plus taxes
Welcome BenefitRs 500 Amazon Gift Card
Annual FeeRs 499 plus taxes
Annual Fee WaiverSpend Rs 1 Lakh in a membership year
SBI SimplyCLICK Credit Card Review: Fees and Charges


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 SpendRewardsReturn Rate @25 per RP
Offline spends1 RP/Rs 1000.25%
Online spends (except 10X partners)5RP/Rs 1001.25%
Online spends (10X partners) – Amazon / Apollo 24X7 / BookMyShow / Cleartrip / Dineout / Lenskart / Netmeds10RP/Rs 1002.5%
SBI SimplyCLICK Credit Card Review: Rewards

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.

10X Rewards Exclusions

SBI Card has excluded some transactions on online partners from 10X rewards:

  • Gift card purchases, utility bill payments, and recharges on Amazon
  • Any purchase from Amazon during sales where SBI Card is offering an instant discount. This is effective from 01-Dec-2021.
  • Cleartrip transactions from affiliate channels

Monthly Cap on Accelerated Rewards

SBI Cards has also added a monthly cap on rewards effective 1st October 2020.

  • 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 Gift Voucher of Rs 2000 on spends of Rs 1 Lakh
  • Cleartrip 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 – Amazon or ClearTrip vouchers. There is no statement credit option for now.

The minimum reward points needed for redemption are 2000. Each reward point is equivalent to 25p. and redemptions can be in blocks of Rs 500 Amazon or ClearTrip e-gift vouchers. SBI Card does not charge a redemption fee for SimplyCLICK.

SBI SimplyCLICK Credit Card Review

Pros and Cons

Final Thoughts

When taking new credit cards, we should ensure three points – it should be easy to get approved for, should preferably be LTF / have an easy fees waiver and lastly, the card rewards should be good. SBI SimplyCLICK credit card ticks all these boxes and that is what makes this a great credit card for almost everyone.

The 10X on Amazon India alone makes it worth applying for this card. So, if you do not have an SBI card in your wallet then it is time to apply for the SBI SimplyCLICK card. An alternative to this card can be Axis Ace which offers a default reward rate of 2% for all purchases.

SBI SimplyCLICK Credit Card


Joining / Annual Fees
Features and Benefits



    Hi is there no lounge access benefit on this card???

    • Card Maven

      Yes, that is correct. No airport lounge access on SBI SimplyCLICK.

  2. Yadvendra

    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?

    • Card Maven

      Once per redemption. It can be any number of points/vouchers in one redemption.

  3. i’m interested in this card but cleartrip voucher seem waste for me can i swap for some other reward? have anyone requested?

    • Card Maven

      Unfortunately, no. SBI Card does not give any choice in this. Wish they would replace it with Amazon. 🙂

  4. Sunil rai

    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

    • Card Maven

      You can ask SBI Card customer care to resend the SMS.

  5. Ranjeet Kumar

    Dear Sir,
    I have completed the transaction of 20000 through my SBI card.
    Please tell me the process to claim the Myntra Gift voucher.

    • Card Maven

      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.

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