SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card


Joining Fee: Rs 499+GST
Annual Fee: Rs 499+GST



Reward Rate

0.25% to 4.5%



Issued On



Milestone Rewards, Fuel Surcharge Waiver

Table of Contents

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.

LTF IndusInd Bank Credit Cards
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+GST
Welcome BenefitRs 500 Amazon Gift Card
Annual FeeRs 499+GST
Annual Fee WaiverSpend Rs 1 Lakh in a membership year
SBI SimplyCLICK Credit Card Review: Fees and Charges

SBI SimplyCLICK Credit Card Rewards

SBI SimplyCLICK Credit Card: 10X Partners
SBI SimplyCLICK Credit Card: 10X Partners

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 per Rs 1000.25%
Online spends (except 10X partners)5 RP per Rs 1001.25%
Online spends (10X partners) – Apollo 24X7, BookMyShow, Cleartrip, EazyDiner, Netmeds, Myntra, Dominos, Yatra10 RP per Rs 1002.5%
Rent Payments1 RP per Rs 1000.25%
Wallet SpendsNo Rewards0%
Fuel SpendsNo Rewards0%
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.

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

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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 – 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.

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Pros and Cons

Other Key Benefits and Charges

  • Fuel Surcharge Waiver: 1% surcharge waiver for transactions between Rs 500 and Rs 3000


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.

SBI SimplyCLICK Credit Card

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14 thoughts on “SBI SimplyCLICK Credit Card”

    1. There is no exclusion in T&C for government payments. So online income tax payments should accrue 5X RP.

  1. 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?

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

    1. Card Maven

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

  3. 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

  4. 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.

    1. 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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