SBI Card has announced an exciting upgrade to its SimplyCLICK Credit Card, one of India’s best-known entry-level cards for online shopping. The bank has expanded cashback categories, added new partner brands, and improved reward redemption options, making the card more rewarding for digital-first customers.
The SimplyCLICK Card, originally launched to encourage e-commerce spending, has been widely used by young professionals, students, and online shoppers for its simple rewards structure. With this update, SBI Card aims to help users earn faster, redeem easier, and save more on their everyday online purchases.
The new update brings several enhancements designed to reflect changing shopping habits in India. Let’s look at the main highlights:
1. Increased Rewards on Online Shopping
2. New Merchant Tie-ups
SBI Card has added several new online merchants where users can earn accelerated rewards.
Some of the newly added platforms include:
These additions make the card more versatile, rewarding users on categories beyond traditional retail.
3. Simplified Reward Redemption Process
Earlier, users needed to log in to the SBI Card portal to redeem points, which could be time-consuming. The new update allows redemption directly through the SBI Card mobile app or website, with options for:
This instant redemption option improves convenience and ensures that points don’t go unused.
4. Limited-Time Launch Offer
As part of the relaunch, SBI Card is offering a bonus of 2,000 reward points on spending ₹50,000 within the first 60 days of upgrade activation. This gives new users a strong head start on savings.
| Spend Category | Previous Rewards | Updated Rewards | Effective Value Back |
|---|---|---|---|
|
Partner Online Merchants |
5X Reward Points |
10X Reward Points |
~2.5% |
|
Other Online Spends |
1 Reward Point / ₹100 |
2 Reward Points / ₹100 |
~0.5% |
|
Offline Spends |
1 Reward Point / ₹100 |
1 Reward Point / ₹100 |
~0.25% |
|
Annual Online Spend Bonus |
₹1L & ₹2L spends |
₹1L, ₹2L & ₹3L spends |
2,000 / 3,000 / 5,000 bonus pts |
|
Renewal Fee Waiver |
₹1L spend |
₹1.5L spend |
Annual fee waived |
Each reward point is worth ₹0.25 when redeemed for statement credit or vouchers, giving real value back on every rupee spent.
Even with the new upgrades, SBI Card has kept the same affordable fee, maintaining the card’s value-for-money appeal for students and young professionals.
The upgrade to SimplyCLICK is more than just higher rewards—it reflects India’s shift toward digital spending. With more people shopping online for groceries, clothing, and services, SBI Card’s move ensures that users continue earning maximum benefits on these transactions.
Key advantages of the upgrade:
Let’s assume an average urban online shopper’s monthly spending pattern:
| Spend Type | Monthly Spend (₹) | Reward Rate | Cashback Value (₹) |
|---|---|---|---|
|
Online Shopping (Amazon, Myntra, etc.) |
10,000 |
2.5% |
250 |
|
Food Delivery (Zomato, Swiggy) |
4,000 |
2.5% |
100 |
|
Travel & Movies (Yatra, BookMyShow) |
5,000 |
2.5% |
125 |
|
Other Spends |
6,000 |
0.5% |
30 |
|
Total Cashback Value per Month |
25,000 |
₹505 |
That’s around ₹6,000 in annual savings, enough to completely offset the annual fee and still deliver real value.
| Credit Card | Best Category | Reward Rate (Online) | Annual Fee |
|---|---|---|---|
|
E-commerce & Shopping |
Up to 2.5% |
₹499 |
|
|
Online & Wallets |
Up to 5% |
₹1,000 |
|
|
OTT & Groceries |
Up to 5% |
₹250 |
|
|
Amazon Shopping |
5% |
Lifetime Free |
Verdict:
The upgraded SimplyCLICK Card remains one of the best entry-level credit cards in India for general online spending, offering a balance between affordability and flexibility.
Alongside enhanced rewards, SBI Card continues to offer:
SBI Card’s upgrade aligns with its strategy to capture India’s fast-growing digital payments and e-commerce market. With younger users relying more on online platforms, enhancing SimplyCLICK ensures continued relevance in the digital economy.
In FY2025, online credit card spends in India have grown by more than 35%, according to RBI data. By updating the SimplyCLICK’s reward structure, SBI Card is responding directly to this shift, rewarding users for the kinds of purchases they already make most often.
Financial analysts have praised SBI Card’s decision to revamp its most successful credit card line.
“SimplyCLICK’s upgrade is timely and well-targeted. It offers better digital rewards without increasing the fee, which makes it ideal for millennials and first-time credit card users,” said a senior credit card consultant.
Experts also point out that the inclusion of grocery and food delivery categories shows SBI Card’s understanding of real-world spending patterns of young consumers.
To make the most of the upgraded SimplyCLICK Credit Card:
Early users of the upgraded SimplyCLICK have reported noticeable improvement in value. A college student from Mumbai shared:
“I use SimplyCLICK for all my online shopping and Swiggy orders. With the new update, I earn points faster and can redeem them instantly. It feels like getting paid to shop.”
Such feedback highlights how the card continues to deliver real savings and convenience for its target audience.
With enhanced rewards, new online partners, and improved redemption options, the SBI SimplyCLICK Credit Card has become even more valuable for India’s growing base of online shoppers. It retains its position as a top entry-level card — simple, rewarding, and affordable.
If you regularly shop online, order food, or book travel digitally, the upgraded SimplyCLICK is one of the best all-round choices in 2025. SBI Card’s thoughtful improvements make it a modern, flexible tool for maximizing rewards in a digital-first lifestyle.