SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card · Visa

SBI SimplyClick is an e-commerce focused card with 10X reward points on select online partners and 5X on all other online spends. The Rs.499 annual fee is waived at Rs.1 Lakh spend. Best for online shoppers who prefer reward points over cashback, especially those spending on Amazon, Lenskart, Cleartrip and other SimplyClick partners.

Annual Fee

₹499

Waived at ₹1.0L spend

Joining Fee

₹499

Base Reward Rate

1X

₹0.25/pt

Min CIBIL

640

₹2L+ income

Key Features

10X points on Amazon, Lenskart, Cleartrip, Foodpanda and select partners
5X points on all online spends not covered by 10X
1X points on offline spends
Annual fee waived at Rs.1 Lakh spend
Rs.500 Amazon voucher on joining
E-vouchers on annual milestone spends

Welcome Benefits

✓

Rs.500 Amazon Voucher

Receive a Rs.500 Amazon voucher on card activation within 30 days of issuance.

Reward Rates by Category

Dining

1X

Travel

1X

Online

10X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
AmazonShopping10X
LenskartEyewear10X
CleartripTravel10X
All Other OnlineOnline5X
Offline / POSOffline1X

Milestone Benefits

₹1.0 L

2,000 Bonus Reward Points

Earn 2,000 bonus reward points on spending ₹1 lakh annually

Annual

₹2.0 L

Annual Fee Waiver

Spend ₹2 lakhs to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover

₹2 Lakhs

Zero Liability

Report promptly

100% fraudulent charges

Eligibility Criteria

Age

18–65 years

Salaried Income

₹3.0 L+ per year

Self-Employed

₹4.0 L+ ITR

Min CIBIL Score

700+

Salaried: Rs.3 Lakh annual income. One of SBI Card is most accessible products. Good for first credit card applicants with existing SBI savings account.

Pros

  • 10X reward points on Amazon, Lenskart, Cleartrip and other partners
  • 5X reward points on all other online spends
  • Annual fee waived at just Rs.1 Lakh spend
  • Rs.500 Amazon voucher on card activation
  • Low Rs.499 annual fee
  • Wide online partner network

Cons

  • Only 1X on offline spends — very low
  • Reward points (not cashback) require redemption steps
  • No lounge access
  • Partner list is fixed — if you shop elsewhere online, get 5X not 10X
  • SBI Cashback Card typically offers better returns for most online shoppers

Redemption Options

Cashback/vouchers

Standard redemption₹0.25/pt

Frequently Asked Questions

SBI SimplyClick vs SBI Cashback — which is better?+
SBI Cashback is better for most people. It gives automatic 5% cashback on ALL online spends with no restrictions. SimplyClick gives 10X points on specific partners but only 5X otherwise, and reward points require redemption. Unless you shop heavily on SimplyClick partners and prefer points, the Cashback card is simpler and more rewarding.
What is the SBI SimplyClick earn rate in rupee terms?+
1 reward point = Rs.0.25. So 10X = Rs.2.50 per Rs.100 = 2.5% return on partner spends. 5X = 1.25% on other online. Compare with SBI Cashback Card is straight 5% and the cashback card wins on most metrics.
Is SBI SimplyClick a good first credit card?+
Yes — the low Rs.499 fee, waiver at Rs.1L spend, and accessible income criteria make it a reasonable first card. If you are already an SBI customer, approval is typically faster. However, for pure rewards value, ICICI Amazon Pay (Lifetime Free) or Axis ACE are often better first cards.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

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SBI SimplyCLICK

₹499/yr · 1X rewards