SBI SimplyCLICK Credit Card
One of India’s best entry-level credit cards for online shopping rewards.
Overview
The SBI SimplyCLICK Credit Card is a digital-first rewards credit card designed for heavy online shoppers. Unlike the SBI Cashback Card that offers direct statement cashback, SimplyCLICK rewards users with accelerated reward points, especially on partner brands like Amazon, BookMyShow, Apollo24X7, Cleartrip, Netmeds and more. It is ideal for users who frequently shop online and can maximize the 10X reward structure.
Features & Benefits
Joining & Renewal Benefits
₹500 Amazon Gift Card on joining which effectively offsets the joining fee.
Annual fee waived if total annual spend exceeds ₹1,00,000 in the previous year.
Cashback & Rewards
- • 10 Reward Points per ₹100 on Amazon, Apollo24X7, BookMyShow, Cleartrip, EazyDiner, Lenskart, Netmeds
- • 5 Reward Points per ₹100 on all other online spends
- • 1 Reward Point per ₹100 on offline spends
- • Spend ₹1 lakh and get ₹2,000 e-voucher
- • Spend ₹2 lakhs and get additional ₹2,000 e-voucher
Reward Points can be redeemed via SBI Rewards platform where 4 Reward Points = ₹1. Redemption options include gift vouchers, travel bookings, merchandise and partner e-vouchers.
Lifestyle Benefits
- • Accelerated rewards on leading online brands
- • Milestone e-voucher benefits up to ₹4,000 per year
- • Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 with maximum ₹100 waiver per billing cycle.
3.5% forex markup fee on international transactions.
Fees & Charges
- • Excellent 10X partner rewards
- • Strong milestone vouchers
- • Joining gift offsets fee
- • Good annual fee waiver condition
- • No airport lounge access
- • No rewards on wallet, rent & gaming spends
- • Reward points instead of direct cashback
- • Low offline reward rate
- • No reward points on wallet loading transactions
- • No reward points on rent payments
- • No reward points on government transactions
- • No reward points on toll payments
- • No reward points on digital gaming platforms
As per latest SBI updates, no reward points are awarded on wallet loading, rent payments, government transactions, toll payments and digital gaming platforms. These exclusions impact reward maximization strategy.