State Bank of India
SimplyCLICK
The SBI SimplyCLICK Credit Card is a solid entry-level credit card tailored specifically for online shoppers. With a low annual fee of Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹499
Joining Fee
₹499
Fee Waiver
Spend ₹1,00,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
0.2% – 4.5%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The SBI SimplyCLICK Credit Card is a solid entry-level credit card tailored specifically for online shoppers. With a low annual fee of Rs. 499 and comparatively relaxed eligibility terms, it acts as an accessible gateway for beginners to start earning rewards. While it offers a very competitive rewards rate on online transactions, the redemption options are somewhat limited, which slightly affects the card's overall flexibility.
This card stands out by offering up to 10X reward points on select everyday partner brands covering travel, dining, shopping, and entertainment, such as Myntra, Yatra, Cleartrip, BookMyShow, Apollo24X7, Dominos, IGP, and Netmeds. For other online purchases, cardholders can earn 5X reward points, making it highly beneficial for general online retail. Additionally, users can unlock milestone bonuses consisting of Cleartrip or Yatra e-vouchers worth Rs. 2,000 each upon hitting annual spend targets of Rs. 1 Lakh and Rs. 2 Lakh.
Ultimately, the SBI SimplyCLICK Credit Card is ideal for those who regularly utilize its partner merchant platforms and want a low-cost card to maximize rewards on online spending. However, users seeking direct cashback, extensive offline reward rates, or luxury travel benefits like airport lounge access may want to compare this card against broader cashback alternatives.
What We Like
We like that this card provides robust 10X rewards on an array of popular partner brands and a solid 5X rewards rate on all other online spending. Furthermore, the annual fee is incredibly easy to reverse with a low annual spending milestone of just Rs. 1 Lakh.
Pros
- ✓Earn 10X reward points across diverse partner categories, including travel, dining, shopping, and movies
- ✓Affordable annual fee and comparatively relaxed eligibility criteria
- ✓Highly achievable annual fee waiver threshold of Rs. 1 Lakh in annual spending
Cons
- ✗Highly restricted choices for redeeming accumulated reward points
- ✗Rewards-based online benefits may offer lower overall value compared to direct cashback cards like Amazon Pay ICICI or Cashback SBI
- ✗The lineup of partner brands qualifying for accelerated earnings is relatively limited
Get This Card If
- ✓You want an entry-level rewards credit card with a low annual fee.
- ✓You frequently shop with SimplyCLICK's partner brands like BookMyShow, Myntra, Cleartrip, and others.
- ✓You want to save on general online purchases but do not qualify for direct-saving cashback cards.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Partner Brands (10X Rewards) | 10 Reward Points (RP) per ₹100 | 2.50% | No Upper Cap Explicitly mentioned in TnC |
| Other Online Spends (5X Rewards) | 5 RP per ₹100 | 1.25% | 10,000 RP per month |
| Offline Spends | 1 RP per ₹100 | 0.25% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1 Lakh | Fee Waiver | ₹499 + GST Savings | Annual fee for the next year is waived if you spend ₹1 Lakh annually. |
| ₹1 Lakh | Cleartrip/Yatra Voucher | ₹2,000 E-Voucher | Awarded for hitting ₹1 Lakh annual online spend. |
| ₹2 Lakh | Cleartrip/Yatra Voucher | ₹2,000 E-Voucher | Awarded for hitting ₹2 Lakhs annual online spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Statement Credit (Cash) | ₹0.25 per point4:1 Ratio | Best Value (Must be in multiples of 4,000 points / ₹1,000 credit) |
| Gift Vouchers (Amazon/Lifestyle) | ₹0.25 per point4:1 Ratio | Safe (Redemption fee of ₹99 + GST applies to all vouchers) |
What You Need to Know
New 4k Redemption Block
Effective April 1, 2026, statement credit only allowed in blocks of 4,000 RP.
Impact: Requires a spend of ₹40,000 (at 10X) or ₹80,000 (at 5X) to unlock the first ₹1,000 credit.
Amazon/Swiggy 5X Cap
Amazon and Swiggy have been removed from the 10X partner list.
Impact: Directly halves the yield on India's two most common online platforms.
Rent & Wallet Exclusion
No reward points or milestone credit for Rent payments or Wallet reloads.
Impact: Prevents users from 'gaming' the ₹1L/₹2L milestones via rent or Paytm reloads.
Utility Surcharge
1% fee on total utility payments exceeding ₹50,000 per billing cycle (2026 rule).
Impact: High utility bills will result in a net loss due to low base reward rates.
Essential Fine Print
Reward Exclusions
Excluded Categories: Cash advances, Balance Transfer, Encash, Flexipay, Fuel transactions, Wallet loading and Rent payments do not earn reward points.
Welcome Offer
Welcome Gift
Amazon.in Gift Card worth ₹500 on payment of the annual joining fee.
Milestone Benefits
Annual Milestone Voucher
Cleartrip/Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹1 Lakh.
Secondary Milestone Voucher
Cleartrip/Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹2 Lakh.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹499 |
| Annual / Renewal Fee | ₹499 |
| Fee Waiver Threshold | Spend ₹1,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Age between 18-70 years
Income
Must have a steady, verifiable income.
Ready to apply for SimplyCLICK?
Annual fee: ₹499 · Waived on ₹1,00,000 spend
Frequently Asked Questions
Annual fee
₹499
0.2% – 4.5% yield