SBI SimplyCLICK Credit Card: Fees, Rewards & Real Value
The SBI SimplyCLICK is one of the most popular entry-level online shopping cards in India, designed specifically for users whose spends skew digital. With a low ₹499 fee, 10X rewards on select e-commerce partners, and a milestone voucher system, it’s a strong value play for urban Indians who shop online weekly. Here’s the 2026 breakdown sourced from SBI Card’s official page.
Key Fees and Charges
| Fee Type | Amount | Details / Waiver Conditions |
|---|---|---|
| Joining Fee | ₹499 + GST | One-time. Effective ~₹589. |
| Renewal Fee (Year 2+) | ₹499 + GST | Charged yearly. |
| Annual Fee Waiver | Spend ₹1,00,000 in the previous year | Hit this and the renewal is reversed. |
Reward Structure (2026 — post programme updates)
The SimplyCLICK’s reward structure has been revised over the last couple of years. Current rates as published by the issuer:
| Spend Category | Reward Rate |
|---|---|
| 10X partners (currently BookMyShow, Cleartrip, Eazydiner, Lenskart, Netmeds, Apollo247) | 10 Reward Points per ₹100 |
| Amazon.in (revised down from 10X to 5X in Jan 2023) | 5 Reward Points per ₹100 |
| Swiggy (revised down from 10X to 5X in April 2025) | 5 Reward Points per ₹100 |
| Other online spends | 5 Reward Points per ₹100 |
| Offline / POS spends | 1 Reward Point per ₹100 |
Monthly cap: The cumulative 10X rewards on online spends with exclusive partners are capped at 10,000 Reward Points per month.
Redemption
1 Reward Point = ₹0.25 when redeemed against statement credit or vouchers. Effective reward rates: ~2.5% on 10X partners, ~1.25% on 5X partners, ~0.25% on offline.
Welcome Benefit
Amazon.in gift voucher worth ₹500 on card activation + payment of joining fee (verify current offer on the official page). This alone offsets most of the effective joining fee.
Milestone Benefits
- Cleartrip voucher of ₹2,000 on annual spend of ₹1 lakh (1 voucher)
- Cleartrip voucher of ₹2,000 on annual spend of ₹2 lakh (1 more voucher)
- Total possible: ₹4,000 in Cleartrip vouchers at ₹2 lakh annual spend
Other Benefits
- Fuel surcharge waiver: 1% on transactions ₹500–₹3,000 at all petrol pumps, up to ₹100 per statement
- Contactless payments for small-ticket transactions
- Add-on cards for family members at no additional cost
Real-World Value Example
| User Profile | Annual Spend | Estimated Annual Value |
|---|---|---|
| Heavy Online Shopper | ₹3 lakh+ across 10X + 5X partners | ₹10,000–₹14,000 (rewards + vouchers + welcome) |
| Moderate User | ₹1.5 lakh online + ₹1 lakh offline | ₹4,000–₹6,000 |
| Light User | ₹50,000 online + ₹50,000 offline | ₹1,500 — just covers fee |
Who Should Get It
- Online shoppers whose spending includes BookMyShow (movies), Cleartrip (travel), Lenskart, Netmeds, or Apollo247
- Users who want a low-fee card to build SBI credit history
- First-time credit card applicants with modest online-skewed spending
When to look elsewhere
- Your online spends are heavily Amazon-concentrated — Amazon Pay ICICI (zero fee, 5%) is strictly better
- You want simple flat cashback — the Cashback SBI Card or HDFC Millennia are cleaner
- You want travel benefits or lounge access — neither available on this card
How to Apply
Apply on the SBI SimplyCLICK page. Typical eligibility: salaried ₹20,000+/month or self-employed with ITR ₹3 lakh+. One of SBI’s easier approvals for first-time applicants and existing SBI savings account holders.
Final Verdict
The SimplyCLICK is a decent mid-entry card for online shoppers, but its value proposition has weakened over the years as SBI has progressively revised down the 10X rate on Amazon (2023) and Swiggy (2025). It still offers strong returns if your spending aligns with Cleartrip, Lenskart, BookMyShow, or Netmeds. For most users, a comparison with the Amazon Pay ICICI (zero fee) or the Cashback SBI (flat 5% online) will show better net value.
See also: cashback vs reward points and how to choose the right credit card.
Last updated: April 2026. Verify current terms on the SBI SimplyCLICK page before applying.