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SBI Card · Visa · हिन्दी

SBI SimplyCLICK Credit Card: full review

The SBI SimplyCLICK is a good low-fee card for people who shop and order online from its partner brands such as Swiggy, Myntra, BookMyShow and Netmeds, where it earns 2.5%. Outside those partners it earns a modest 1.25% online and 0.25% offline, so it is a poor choice for offline or all-round spending. The ₹499 fee is easy to waive at ₹1 lakh a year, and the two ₹2,000 milestone vouchers reward heavy online spenders.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: October 2026 · Current terms verified
SBI CARD
VISA
)))
SIMPLYCLICK
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1L spend)Annual fee
10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1Reward structure
NoLounge access
10X reward points (2.5%) on online spends with partners: Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata Cliq5X reward points (1.25%) on all other online spendsWelcome gift: an Amazon.in e-gift card worth ₹500 on payment of the annual fee₹2,000 e-vouchers (Cleartrip or Yatra) at ₹1 lakh and again at ₹2 lakh of annual online spendsAnnual fee reversed on spends of ₹1 lakh or more in the previous year1% fuel surcharge waiver on transactions of ₹500 to ₹3,000, up to ₹100 a statement cycle
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Strong 10X partner rates on everyday online brands such as Swiggy, Myntra, BookMyShow and Netmeds
✓ A low ₹499 fee that is reversed at ₹1 lakh of annual spend
✓ Two ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh of online spend add up to ₹4,000
✓ A welcome Amazon e-gift card worth ₹500 offsets most of the first-year fee
Cons
✗ No lounge access
✗ Only 0.25% on offline spends, and online spends beyond the partner list earn a modest 1.25%
✗ Reward points are worth less than cashback, at 4 points to ₹1
✗ Amazon is no longer a listed partner, so the old Amazon-focused value no longer applies
✗ The milestone vouchers are tied to online spends and to Cleartrip or Yatra
Quick facts
Issuer SBI Card
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated October 2026
Recent updates

Rewards updated to match SBI Card's current terms: 10X (2.5%) at partner brands, 5X (1.25%) on other online spends, 0.25% offline. Amazon is no longer a listed partner. Welcome gift, milestone vouchers and fee reversal updated.

Partner-brand rewards5% on Amazon, BookMyShow and Cleartrip2.5% (10X) at 11 partner brands, including Swiggy, Myntra, BookMyShow, Netmeds and Cleartrip
Other online spends2.5%1.25% (5X points)
Offline spends1%0.25%
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Frequently asked questions
The annual fee for SBI SimplyCLICK Credit Card is ₹499 + taxes (waived on ₹1L spend). The joining fee is ₹499.
10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1
SBI SimplyCLICK Credit Card is best for Online spend with SBI relationship. The SBI SimplyCLICK is a good low-fee card for people who shop and order online from its partner brands such as Swiggy, Myntra, BookMyShow and Netmeds, where it earns 2.5%. Outside those partners it earns a modest 1.25% online and 0.25% offline, so it is a poor choice for offline or all-round spending. The ₹499 fee is easy to waive at ₹1 lakh a year, and the two ₹2,000 milestone vouchers reward heavy online spenders.
The minimum income requirement for SBI SimplyCLICK Credit Card is ₹3L+ per year. A minimum credit score of 700+ is also recommended.
Yes, SBI SimplyCLICK Credit Card offers No.
SBI SimplyCLICK Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Salaried Employees →Best Credit Cards for Self-Employed →
Card reviews
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Compare with similar cards
SBI SimplyCLICK vs Flipkart SBI Compare →SBI SimplyCLICK vs SBI Card PULSE Compare →SBI SimplyCLICK vs SBI SimplySAVE Compare →SBI SimplyCLICK vs SBI Cashback Compare →SBI SimplyCLICK vs HDFC Millennia Compare →
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SBI SimplyCLICK₹499 + taxes
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