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SBI SimplyCLICK Credit Card Review 2026
The sbi simply click credit card earns 10X reward points on Apollo 24×7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy and Yatra - 2.5% return at ₹0.25/RP. 5X on all other online spends including Amazon. ₹499/year, waived at ₹1L spend. ₹500 Amazon welcome voucher.
3.8
/5
Card24 Score
Rewards 3.9
Travel 2
Fees 4.5
Last reviewed July 2026 · Card24.ai editorial team
10X Earn - Online Partners
10X reward points*
5X Earn - All Other Online
5X reward points
Milestone Benefits
₹2,000 Cleartrip/Yatra e-voucher*
Credit Card Verdict SBI SimplyCLICK
What we like
- The sbi simply click credit card delivers 10X reward points - a 2.5% return at 4 RP = ₹1 - on India's most widely-used online platforms: Swiggy, Myntra, BookMyShow, Netmeds, Apollo 24×7, Cleartrip, Domino's, and Yatra. For a card with a ₹499 annual fee, this 10X earn on daily-use apps is exceptional value. A household spending ₹5,000/month on Swiggy and Myntra alone earns ₹1,500 in reward value annually from these two partners alone.
- The sbi simply click credit card annual fee of ₹499 is offset by the ₹500 Amazon.in welcome voucher - making the net first-year cost ₹0. The ₹1L annual spend threshold for fee waiver from Year 2 is achievable for most online shoppers at less than ₹8,500/month in total card spend. And with ₹4,000 in annual milestone Cleartrip/Yatra vouchers at ₹2L online spend, the simplyclick sbi card delivers far more value than its fee across the year.
- The sbi simply click credit card earns 5X reward points on all online purchases - not just partner sites. This means Amazon, Flipkart, Meesho, BigBasket, Tata CLiQ, and any other online merchant earns at 5X = 1.25% return. For online-first consumers who consolidate their total monthly digital spend on a single card, the sbi simply click credit card generates consistent value across the entire online purchase universe.
- The sbi simply click credit card eligibility is among the most accessible for any rewards card in India: minimum income around ₹18,000/month, age 21–70, and a standard credit history. The combination of low eligibility bar, low annual fee, and strong online earn makes this the default first rewards card recommendation for young professionals beginning their credit card journey.
Watch out for
- The sbi simply click credit card earns only 1 reward point per ₹100 on all offline spends - an effective 0.25% return that is among the lowest in the market for any rewards card. Grocery shopping at physical stores, dining out, utility payments, and petrol station purchases earn almost no value. Using the sbi simply click credit card for offline spend is a missed-value opportunity - keep a higher-earn card for these categories.
- The sbi simply click credit card imposes a monthly cap of 10,000 reward points across partner and other online spend combined. At 10X earn, this cap is reached at ₹10,000/month on partner brands. At 5X, it's ₹20,000/month on other online. Heavy online shoppers spending ₹30,000–₹50,000+/month online may hit this ceiling and earn zero additional points on spend beyond the threshold - a significant limitation not prominently disclosed.
- sbi simply click credit card reward points expire 24 months from the date of accrual - not from the card anniversary date. Since the card issues rewards in multiple tranches across the year, different batches expire at different dates. The sbi simply click credit card reward points value of 4 RP = ₹1 also means you need 400 RPs to redeem ₹100 - a redemption threshold that may feel slow for low-spend months.
- The sbi simply click credit card has no standard lounge access - domestic lounge is conditional on ₹50,000 quarterly spend, and the terms for this benefit may vary or change. The card is designed for online shopping and not travel or lifestyle benefits. Cardholders expecting airport lounge access as a standard feature will not find it here - this is a pure online rewards card.
Card24.ai review of the sbi simply click credit card is based on sbicard.com and verified aggregators as of July 2026. Partner brand list and monthly RP cap (10,000 RP) subject to change - verify current terms at sbicard.com. 4 RP = ₹1. RP validity: 24 months from accrual date. Annual fee ₹499 waived at ₹1L annual spend. Milestone vouchers subject to current campaign terms. Confirm all sbi simply click credit card charges at sbicard.com/mitc.
Credit Card Achievers SBI SimplyCLICK
Is the SBI SimplyCLICK Credit Card Worth It in 2026?
The SBI simply click credit card is absolutely worth it for regular online shoppers - and the math is hard to argue with. At ₹499 annual fee (waived at ₹1L spend), the ₹500 Amazon welcome voucher makes Year 1 net-zero cost. At 10X reward points on Swiggy, Myntra, BookMyShow, and Netmeds - the apps most Indian online shoppers use daily - the sbi simply click credit card earns 2.5% back on your highest-frequency digital spend, which is better than most cashback cards at this fee tier.
The annual milestone structure on the sbi simply click credit card makes it deliver increasing returns as your online spend grows: ₹2,000 in Cleartrip or Yatra vouchers at ₹1L online spend (the same threshold that waives the annual fee), and another ₹2,000 at ₹2L online spend - ₹4,000 in total milestone vouchers from a ₹499 card. For any household spending ₹15,000+/month online across the sbi simply click credit card's 10X partner ecosystem, this card is effectively a negative-cost card once milestones are factored in. The simplyclick sbi card benefits justify themselves without lounge or golf perks.
The sbi simply click credit card earns only 0.25% on offline spend and has a monthly RP cap of 10,000. For heavy online spenders wanting uncapped 5% cashback on ALL online purchases - not just select partners - without needing to track milestones, BOBCARD Cashback delivers a simpler, higher-return structure.
The annual milestone structure on the sbi simply click credit card makes it deliver increasing returns as your online spend grows: ₹2,000 in Cleartrip or Yatra vouchers at ₹1L online spend (the same threshold that waives the annual fee), and another ₹2,000 at ₹2L online spend - ₹4,000 in total milestone vouchers from a ₹499 card. For any household spending ₹15,000+/month online across the sbi simply click credit card's 10X partner ecosystem, this card is effectively a negative-cost card once milestones are factored in. The simplyclick sbi card benefits justify themselves without lounge or golf perks.
The sbi simply click credit card earns only 0.25% on offline spend and has a monthly RP cap of 10,000. For heavy online spenders wanting uncapped 5% cashback on ALL online purchases - not just select partners - without needing to track milestones, BOBCARD Cashback delivers a simpler, higher-return structure.
Best For: Young professionals and online-first households spending ₹5,000–₹20,000/month on Swiggy, Myntra, BookMyShow, Amazon, and partner apps who want India's best entry-level online rewards from the sbi simply click credit card at just ₹499/year.
SBI SimplyCLICK Credit Card Benefits
How to Get Maximum Value from Your SBI SimplyCLICK Credit Card
Always Order/Book via Partner Apps for 10X Earn - The sbi simply click credit card 10X earn (2.5% return) applies only on partner platforms - Swiggy, Myntra, BookMyShow, Netmeds, Cleartrip, Apollo 24×7, Domino's, and Yatra. Before ordering food, booking a movie, buying medicine, or booking a trip, always check if the merchant is a 10X partner. Never order Swiggy via a non-partner food platform when Swiggy itself gives 10X on the sbi simply click credit card. Route every partner-eligible transaction through the official app or website to capture the full 2.5% return.
Hit ₹1L Online Spend for Fee Waiver + First Milestone Voucher - The sbi simply click credit card ₹1L annual online spend threshold gives you two rewards simultaneously: the ₹499 annual fee waived AND the ₹2,000 Cleartrip/Yatra voucher. Track cumulative annual online spend via the SBI Card app - at ₹8,500/month online you cross ₹1L by December. The sbi simply click credit card annual fee waiver makes this the single most important spend target to hit each anniversary year.
Watch the Monthly 10,000 RP Cap During Sales - The sbi simply click credit card imposes a 10,000 RP monthly cap on combined partner + other online earn. At 10X, this cap is reached at ₹10,000/month on partner brands. During Myntra End of Reason Sale, Swiggy One promotions, or Amazon Great Indian Festival, you may hit ₹10,000 in a few days. Plan your big purchases across billing cycles to avoid the cap - or use a separate card for excess spend beyond ₹10,000 in heavy months.
Redeem Before 24-Month Expiry - Set a Reminder - sbi simply click credit card reward points expire 24 months from the date of accrual - not the card anniversary date. Different RP batches from different months expire on different dates. Log into the SBI Card app monthly to check expiry dates under the rewards section. Redeem the oldest batch first before expiry - convert to Amazon vouchers or travel credits at 4 RP = ₹1. Never let sbi simply click credit card reward points lapse.
Pair With BOBCARD Cashback for Uncapped Online Returns - The sbi simply click credit card's 10,000 RP monthly cap and 0.25% offline earn limit its utility for heavy spenders. For uncapped 5% cashback on ALL online spend - not just select partners - without milestone tracking, pair with BOBCARD Cashback.
Hit ₹1L Online Spend for Fee Waiver + First Milestone Voucher - The sbi simply click credit card ₹1L annual online spend threshold gives you two rewards simultaneously: the ₹499 annual fee waived AND the ₹2,000 Cleartrip/Yatra voucher. Track cumulative annual online spend via the SBI Card app - at ₹8,500/month online you cross ₹1L by December. The sbi simply click credit card annual fee waiver makes this the single most important spend target to hit each anniversary year.
Watch the Monthly 10,000 RP Cap During Sales - The sbi simply click credit card imposes a 10,000 RP monthly cap on combined partner + other online earn. At 10X, this cap is reached at ₹10,000/month on partner brands. During Myntra End of Reason Sale, Swiggy One promotions, or Amazon Great Indian Festival, you may hit ₹10,000 in a few days. Plan your big purchases across billing cycles to avoid the cap - or use a separate card for excess spend beyond ₹10,000 in heavy months.
Redeem Before 24-Month Expiry - Set a Reminder - sbi simply click credit card reward points expire 24 months from the date of accrual - not the card anniversary date. Different RP batches from different months expire on different dates. Log into the SBI Card app monthly to check expiry dates under the rewards section. Redeem the oldest batch first before expiry - convert to Amazon vouchers or travel credits at 4 RP = ₹1. Never let sbi simply click credit card reward points lapse.
Pair With BOBCARD Cashback for Uncapped Online Returns - The sbi simply click credit card's 10,000 RP monthly cap and 0.25% offline earn limit its utility for heavy spenders. For uncapped 5% cashback on ALL online spend - not just select partners - without milestone tracking, pair with BOBCARD Cashback.
SBI SimplyCLICK Credit Card Annual Fees
| Joining / Annual Fee | ₹499+GST | sbi simply click credit card annual fee waived on ₹1 lakh annual spend | Welcome: ₹500 Amazon.in gift voucher on fee payment |
| 10X Earn Partners | Apollo 24×7 · BookMyShow · Cleartrip · Domino's · Myntra · Netmeds · Swiggy · Yatra = 2.5% at 4 RP = ₹1 | sbi simply click credit card benefits: verify partner list at sbicard.com |
| 5X Earn - Other Online | 5 RP/₹100 on all other online spends (Amazon etc.) = 1.25% on sbi simply click credit card | Subject to monthly 10,000 RP combined cap |
| 1X Earn - Offline | 1 RP/₹100 offline = 0.25% | Exclusions: fuel, EMI, utility, wallet loads on sbi simply click credit card |
| Monthly RP Cap | 10,000 RP per month on combined partner + other online earn on sbi simply click credit card - verify current cap at sbicard.com |
| RP Redemption | 4 RP = ₹1 | RP validity: 24 months from accrual | Redeem via SBI Card Rewards portal | Options: vouchers, merchandise, cash | Minimum redemption: verify at sbicard.com |
| Milestone Benefits | ₹2,000 Cleartrip/Yatra e-voucher at ₹1L annual online spend + ₹2,000 at ₹2L = ₹4,000 total on sbi simply click credit card | Subject to current campaign terms |
| Fuel Surcharge Waiver | 1% on ₹500–₹3,000 fuel transactions | Max ₹100/statement cycle on sbi simply click credit card |
| Finance Charge | Verify current revolving interest rate at sbicard.com | sbi simply click credit card charges standard SBI Card revolving rate |
| Network | Visa / Mastercard / RuPay (sbi simply click rupay credit card) variants | sbi simply click credit card eligibility: 21–70 years, min ~₹18K/month income |
SBI SimplyCLICK Credit Card Eligibility & Documents
Age 21–70 years
Minimum annual income Minimum ~₹18,000/month net salary (subject to SBI Card internal guidelines) | sbi simply click credit card is among India's most accessible rewards cards | Self-employed: ITR basis - verify at sbicard.com
Documents required Enter PAN + income details
Residency Indian Resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for SBI SimplyCLICK Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Visit sbicard.com/simplyclick or open the SBI Card mobile app - Credit Cards → SBI SimplyCLICK
2
Click 'Apply Now' - Enter PAN number, mobile number, and date of birth for eligibility pre-check
3
Fill in personal and employment details - Name, address, income, employment type → confirm sbi simply click credit card selection
4
Upload KYC documents - PAN, Aadhaar or alternate ID, income proof (salary slips or ITR), address proof → complete Video KYC
5
Submit sbi simply click credit card apply online form - Processing 7–15 working days → track application status at sbicard.com/application-status
*T&C Apply
Frequently Asked Questions
The sbi simply click credit card (also called sbi simplyclick credit card or simplyclick sbi card) is an entry-level online shopping rewards card from SBI Card with a ₹499 annual fee. It earns 10X reward points (2.5% return) on partner brands like Swiggy, Myntra, BookMyShow, Netmeds, Apollo 24×7, Cleartrip, Domino's, and Yatra. It earns 5X on all other online spends (1.25%) including Amazon, and 1X on offline. Welcome: ₹500 Amazon voucher. Annual fee waived at ₹1L spend.
sbi simply click credit card benefits: (1) 10X RP on partner apps = 2.5% (Swiggy, Myntra, BookMyShow, Netmeds, Apollo 24×7, Cleartrip, Domino's, Yatra). (2) 5X RP on all other online = 1.25%. (3) 1X offline = 0.25%. (4) ₹500 Amazon welcome voucher. (5) ₹4,000 Cleartrip/Yatra milestone vouchers at ₹2L online spend. (6) ₹499 annual fee waived at ₹1L spend. (7) 1% fuel surcharge waiver (₹500–₹3,000, max ₹100/cycle). (8) RuPay, Visa, Mastercard network options.
The sbi simply click credit card annual fee is ₹499+GST - same as the joining fee. The sbi simply click credit card annual fee is waived when cumulative card spend in the anniversary year reaches ₹1 lakh. The ₹500 Amazon.in welcome voucher on joining effectively offsets the ₹499 joining fee. At ₹1L annual spend = fee waived + ₹2,000 Cleartrip voucher earned simultaneously.
Apply for the sbi simply click credit card online at sbicard.com/simplyclick or via the SBI Card mobile app. Enter PAN, mobile number, and DOB for eligibility check. Fill income and employment details, upload KYC documents (PAN, Aadhaar, income proof), complete Video KYC. Processing: 7–15 working days. sbi simply click credit card online apply via SBI Bank branch is also available.
sbi simply click credit card eligibility: (1) Age: 21–70 years. (2) Nationality: Indian resident. (3) Income: minimum ~₹18,000/month net salary (subject to SBI Card guidelines). (4) Credit score: 700+ CIBIL preferred. (5) First-time credit users may be considered at SBI Card's discretion. The sbi simply click credit card is one of India's most accessible rewards cards for new credit users and young professionals.