CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI SimplyCLICK Credit Card

30
Ranked #84 of 170 in credit
creditVisaEntry-level online shopping

SBI entry-level online-shopping rewards card offering 10X points (2.5% effective) on 10 major e-commerce/lifestyle partner brands and 5X (1.25%) on other online spends, positioned as SBI most popular card for digital-first shoppers.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value14/100 · weight 71%
≈ 0.68% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks30/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Waived on Rs 1 lakh annual spend in previous membership year
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_spendspoints2.50%(10 pts @ ₹0.25)—10X Reward Points on online spends with exclusive partners like Amazon/Cleartrip
online_shoppingpoints0.63%(2.5 pts @ ₹0.25)—10X points (10/Rs100) on partner brands: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CliQ = 2.5% actual
all_spendspoints0.06%(0.25 pts @ ₹0.25)—1 point per Rs 100 offline/other spends = 0.25% actual

Welcome offer

Amazon.in gift voucher worth Rs 500 on joining fee payment, valid 12 months, one-time

Milestone benefits

Pros

  • Strong 10X (2.5%) reward rate on 10 partner brands (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CliQ), decent 5X (1.25%) on general online spends, achievable Rs 1 lakh fee waiver, free add-on cards for family, welcome voucher offsets first-year fee substantially

Cons

  • Low 0.25% base rate on offline/other spends, reward-point redemption value (Re 0.25/point) is lower than direct-cashback competitors at similar fee (e.g. SBI Cashback Card, Amazon Pay ICICI, YES Bank PaisaSave), Amazon gift card purchases and Amazon utility/recharge excluded from 10X since Sep 2021, points expire in 24 months requiring active redemption management

What's inside

More benefits

  • Milestone e-vouchers

    ₹2,000

    Cleartrip/Yatra e-vouchers on annual spend milestones

    Cap ₹4,000 / yearly. Rs 2,000 at Rs 1L spend, another Rs 2,000 at Rs 2L spend

  • Milestone e-vouchers

    ₹2,000

    Cleartrip/Yatra e-voucher worth Rs 2,000 each at Rs 1L and Rs 2L annual online spend

    Cap ₹4,000 / yearly. Rs 1 lakh and Rs 2 lakh annual online spend milestones

  • Amazon welcome voucher

    ₹500

    Rs 500 Amazon.in gift voucher on annual fee payment

    one-time. Valid 12 months

Insurance cover

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₹NaN

Eligibility

text
Age 21-70, regular income (~Rs 18,000/month typical minimum, varies by SBI internal assessment), credit score 700-750+ recommended

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 500-3,000 transactions, capped Rs 100/statement cycle