SBI SimplyCLICK Credit Card
India’s most popular entry-level credit card for online shopping.
Network: Rupay, Visa | Type: Rewards and First | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Waiver: Waived on ₹1L annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver (₹500/month cap)
- Redemption Fee: ₹99 + GST (voucher redemption)
- Late Payment Fee: ₹400–₹1300 depending on balance
- Interest Rate: 3.5% per month (~42% APR)
- Cash Advance: 2.5% or ₹500 minimum
Credofly Review
The SBI SimplyCLICK Credit Card gives maximum value if your primary spending is on Amazon, food delivery, and online services. Strong value, simple redemption, and decent milestone perks.
Rewards & Earnings
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10X reward points on partner sites: Amazon, BookMyShow, UrbanClap (now Urban Company), Cleartrip, Lenskart, Netmeds
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5X reward points on all other online transactions
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1 reward point per ₹100 on offline spends
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1 Reward Point = ₹0.25 (when redeemed for gift vouchers)
Redeem reward points via SBI Card website/mobile app for Amazon, Cleartrip, BigBasket, Flipkart and more gift vouchers.
1 RP = ₹0.25
Benefits
- Welcome:
₹500 Amazon gift voucher on first spend within 30 days
- Milestone:
Spend ₹1,00,000 annually to get ₹2,000 Cleartrip voucher
- Renewal:
Annual fee waiver on ₹1,00,000 spend
- Lifestyle:
Why We Like It
Excellent value on everyday online spending. Low fee, milestone reward, and top-brand partnerships make it a solid beginner card.
Pros & Cons
✅ Pros
10X rewards on major brands (Amazon, etc.)
₹2,000 Cleartrip voucher on ₹1L spend
₹500 Amazon welcome voucher
❌ Cons
1 RP = ₹0.25, only for vouchers
Partner brands only count via direct site
No lounge access or travel perks
Eligibility & Application
Eligibility:
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Age: 21–60
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Income: ₹20,000+/month
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CIBIL Score: 700+ preferred
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Citizenship: Indian Resident only
How to Apply:
Apply online in just 2 minutes:
👉 Click here to apply for SBI SimplyCLICK Credit Card
Submit your PAN, Aadhaar, and income proof. You’ll get instant approval if eligible. Physical card delivered in 5–7 days.
FAQs
What is the welcome benefit?
₹500 Amazon gift voucher on your first transaction within 30 days.
Which websites give 10X rewards?
Amazon, BookMyShow, UrbanClap, Lenskart, Cleartrip, Netmeds.
Can I redeem points for cash?
No, redemption is for vouchers only.
What is the minimum income to apply?
At least ₹20,000 per month salary is recommended.
Does EMI spend get rewards?
No, EMI transactions do not earn reward points.
User Reviews
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