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SBI SimplyCLICK Credit Card Review
- 10× rewards on 8 partner brands: BookMyShow, Apollo24X7, Domino’s, IGP, Myntra, Yatra, Netmeds, Cleartrip
- 5× rewards on other online retail
- 1× reward per ₹100 on offline
- Welcome ₹500 Amazon voucher
- Milestone: ₹2,000 Cleartrip/Yatra voucher at ₹1L + another ₹2,000 at ₹2L spend
- Fee waived at just ₹1L annual spend
- Low ₹499 fee, accessible eligibility
- Reward rate: 1 RP = ₹0.25 (0.25% effective on base 1× earn)
- Base offline earn is 1 RP per ₹100 — very low
- No lounge access at this tier
- 3.5% forex markup
- Partner list is fixed — no flexibility to change brands
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹499 + GST |
| Renewal fee | ₹499 + GST — waived on ₹1L annual spend |
| Finance charge | 3.5% p.m. |
| Cash advance | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment | Up to ₹1,300 |
Eligibility & documents
Age
21-70 years
Income
Stable monthly income. SBI Card doesn’t publish strict threshold; typical target salaried ₹20K+/month or self-employed ITR ₹3L+
Recommended CIBIL
750+ per issuer guidance
Employment
Salaried or self-employed; Indian resident
Typical credit limit
₹25,000 – ₹1.5 lakh at issuance
Documents
PAN, Aadhaar, salary slip + bank statement OR ITR, address proof
Rewards structure
10× accelerator (10 RP per ₹100) on 8 partner brands:
- BookMyShow — movie and event tickets
- Apollo24X7 — Apollo pharmacy online
- Domino’s — pizza ordering
- IGP — gifts and flowers
- Myntra — fashion
- Yatra — travel booking
- Netmeds — online pharmacy
- Cleartrip — flight and hotel booking
Earn 10 RP per ₹100 (10% headline, 2.5% effective at ₹0.25/point).
Other online retail: 5× (5 RP per ₹100 = 1.25% effective).
Offline spends: 1 RP per ₹100 (0.25% effective — very low).
Redemption: 4 RP = ₹1 statement credit; catalogue redemptions at varying rates.
Welcome benefits & milestones
Welcome benefit: Amazon gift voucher worth ₹500 on payment of joining fee. Credited after first transaction within 30 days.
Annual milestones:
- Spend ₹1 lakh in Cardmembership year → Cleartrip or Yatra e-voucher worth ₹2,000
- Spend ₹2 lakh → additional Cleartrip or Yatra e-voucher worth ₹2,000
- Combined: ₹4,000 in travel vouchers annually if you hit ₹2L spend
Fee waiver: Spend ₹1 lakh in anniversary year → next year’s ₹499 fee waived.
Key benefits
- 10× rewards on 8 partner brands
- 5× on other online retail
- 1% fuel surcharge waiver (₹500-₹3,000 transactions, cap ₹100/month)
- Welcome ₹500 Amazon voucher
- Milestone vouchers up to ₹4,000/year
- EMI on transactions ₹2,500+
- Free add-on cards for family
Usage terms & fine print
Lounge access
No complimentary lounge access at this tier. Step up to SBI Prime for lounges.
Fuel surcharge waiver
1% fuel surcharge waiver on ₹500-₹3,000 transactions, cap ₹100 per month.
Interest-free period
Interest-free credit up to 50 days. Minimum payment 5% or ₹200.
EMI conversion
EMI on transactions ₹2,500+. Tenures 3-24 months. Interest 0.99-1.5% p.m.
Digital wallets & UPI
Apple Pay, Google Pay, Samsung Pay supported. Visa or Mastercard variants. No RuPay variant — no direct UPI linking.
Insurance cover
Lost card liability cover, basic purchase protection
Compared with alternatives
Amazon Pay ICICI (LTF) →
Zero fee. 5% Amazon (Prime) + 1.99% forex. Stronger for Amazon shoppers.
HDFC Swiggy (₹500) →
Same fee. 10% Swiggy vs SimplyCLICK’s Myntra. Different ecosystem.
HDFC MoneyBack+ (₹500) →
Same fee. 5 brands at 10× (Amazon, BigBasket, Flipkart, Reliance, Swiggy). SimplyCLICK 8 brands; MoneyBack+ broader but different brands.
Axis Flipkart (₹500) →
Same fee. 5% Flipkart + 7.5% Myntra. Better for Flipkart; SimplyCLICK for multi-brand online.
Who the SBI SimplyCLICK is for
Online shoppers spending ₹5-15K/month across Cleartrip/Yatra/Myntra/Apollo/Netmeds/BMS/Domino’s. The 10× accelerator + ₹2-4K travel vouchers + low fee make this a solid entry-level online rewards card. Especially useful for frequent Cleartrip/Yatra bookers.
Not the right card if: you primarily shop on Amazon or Flipkart (get the co-brand Amazon Pay ICICI or Flipkart Axis instead). Also not right if you spend heavily offline — the 0.25% base is weak.
How to apply & how to cancel
Apply: Apply via sbicard.com → Cards → SimplyCLICK. Instant eligibility. Approval 5-7 days.
Cancel: Call SBI Card helpline (1860 180 1290). Clear dues; redeem RP before closure.
Final verdict
SBI SimplyCLICK is a well-targeted entry-level online rewards card. The 8-partner 10× accelerator + ₹4K milestone vouchers + ₹500 welcome make Year 1 genuinely profitable for modest online spenders. One of the best ₹500-tier online cards — especially if your shopping overlaps with its partner list.
Frequently asked questions
What are the 8 partner brands?
BookMyShow, Apollo24X7, Domino’s, IGP (Indian Gifts Portal), Myntra, Yatra, Netmeds, Cleartrip. Earn 10× RP per ₹100 at these specifically.
How do I hit ₹2L spend for both vouchers?
₹17K/month card spend clears ₹2L annually. Milestones are cumulative within the Cardmembership year.
Does SimplyCLICK earn on Amazon?
Amazon is NOT in the 10× list. Amazon spends earn the 5× “other online” rate. For Amazon-focused, pick Amazon Pay ICICI (LTF, 5% on Amazon).
Are the milestone vouchers Cleartrip OR Yatra?
Choose one at milestone credit time (not both). Both worth ₹2,000 each.
Does SimplyCLICK have lounge access?
No — step up to SBI Prime (₹3K) for 8 domestic lounges.
How long do SBI reward points last?
2 years from earn date.
Can I upgrade SimplyCLICK to Prime or Elite?
Yes — SBI Card allows upgrade within its family. Tenure carries over.
Is the welcome Amazon voucher automatic?
Credited after first transaction within 30 days of activation. Must pay the joining fee first.
Data current as of April 2026. Credit card fees, rewards and benefits are revised periodically by issuers. Always confirm current terms with the issuer before applying.