About SBI SimplyClick Credit Card
The SBI SimplyCLICK credit card is a great option for online shoppers, offering exclusive rewards and cashback on digital transactions. Users can earn 10x reward points on partner platforms like Amazon, BookMyShow, Myntra, and Cleartrip, and 5x on other online purchases. With a low annual fee, easy EMI options, and benefits like fuel surcharge waivers, this credit card provides good value for frequent online buyers.
However, since the best rewards are limited to a few partner merchants and redemption options are limited, those looking for broader rewards may want to explore other SBI credit cards options with more flexibility.
Note: The SBI SimplyCLICK credit card is a good fit for budget-conscious online shoppers, but if you prefer direct cashback or wider brand options, you may want to consider other credit cards with better redemption value.
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SBI SimplyClick Credit Card Rewards Program
The SBI SimplyCLICK credit card offers a great way to earn reward points on your spending, especially if you shop online frequently. Here's how the rewards work:
- 10 reward points for every ₹100 spent on partner brands like BookMyShow, Apollo24x7, Dominos, IGP, Myntra, Yatra, Netmeds, and Cleartrip.
- 5 reward points for every ₹100 spent on other online purchases.
- 1 reward point for every ₹100 spent on offline or non-partner spending.
This credit card gives you a strong 2.5% reward rate on partner brands (10 points = ₹2.50), and a 1.25% reward rate on other online shopping (5 points = ₹1.25). However, for other general spends, the reward rate drops to just 0.25% (1 point = ₹0.25), making it best suited for those who mainly shop online with SBI’s exclusive partners.
Also Read: Best Reward Points Credit Cards in 2025
Other Features and Benefits
Welcome Benefit
- Get an Amazon gift voucher worth ₹500 when your credit card is activated.
Milestone Benefits
- Spend ₹1 lakh in a year to get a Cleartrip voucher worth ₹2,000.
- Spend ₹2 lakh in a year to get a Yatra voucher worth ₹2,000.
Annual Fee Waiver
- Spend ₹1 lakh in the previous year and get your annual fee waived.
Fuel Surcharge Waiver
- Get a 1% waiver on fuel transactions between ₹500 and ₹3,000 (max ₹100 per statement cycle).
Flexipay Benefit
- Convert purchases of ₹2,500 or more into EMIs with Flexipay.
Contactless Payments
- Tap and pay securely using contactless technology.
Worldwide Acceptance
- Accepted at 24 million+ outlets globally, including across India.
Balance Transfer Facility
- Move your existing credit card balance to SimplyCLICK and repay in EMIs (T&C apply).
Also Read: Best Fuel Credit Cards in 2025
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 499 + Taxes |
| Annual Fee | Rs. 499 + Taxes |
| Finance Charges | 3.50% p.m. | 42% p.a. |
| Late Payment Charges | | For Statement Balance: | Amount | | Less than Rs. 500 | Nil | | Rs. 500 to Rs. 1,000 | Rs. 400 | | Rs. 1,000 to Rs. 10,000 | Rs. 750 | | Rs. 10,000 to Rs. 25,000 | Rs. 950 | | Rs. 25,000 to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Things to Know Before you apply
Get this card if:
- You want a low-fee, entry-level rewards credit card
- You frequently shop on partner sites like BookMyShow, Myntra, Cleartrip, etc.
- You want to save on online shopping but don’t qualify for cashback credit cards that offer direct savings
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Document Required For SBI SimplyClick Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
SBI SimplyClick Credit Card Hilights
What do we like about this card?
- ₹500 Amazon gift voucher as a welcome benefit
- ₹2,000 Cleartrip/Yatra e-vouchers on annual online spends of ₹1,00,000 & ₹2,00,000
- 10X Reward Points on partner merchants like Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds & Yatra
- 5X Reward Points on all other online spends
- 1 Reward Point per ₹100 on offline spends (excluding fuel)
- ₹499 annual fee waived on yearly spends of ₹1,00,000
- 1% fuel surcharge waiver on fuel purchases between ₹500–₹3,000
Pros
- Earn 10X reward points on popular categories like shopping, travel, movies, dining, and more
- Low annual fee with easy eligibility
- Annual fee waived on spending just ₹1 lakh per year
Cons
- Limited reward redemption options
- Rewards may feel less valuable compared to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card
- Partner brand list for 10X rewards is not very extensive
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number.
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Frequently Asked Questions
Everything you need to know about this credit card
Approval usually takes 3–5 working days once your application and documents are verified. In some cases, it may take up to 7–10 working days, depending on your profile and verification process.
The Reward Points are valid for 2 years (24 months) from the date of accrual.
No, this card does not provide complimentary airport lounge access.
The interest rate is 3.50% per month (42% per annum).
The credit limit on the SBI SimplyCLICK Credit Card is not fixed and is determined based on multiple factors, including your income, credit score, existing credit card limits, and SBI Card’s internal assessment criteria. As a result, the credit limit can vary from one applicant to another. SBI Card does not disclose the approved credit limit at the time of application—you will be informed of your personalized limit once your SimplyCLICK Card is issued and delivered.
The SBI SimplyCLICK Credit Card offers 10X reward points on partner sites like Cleartrip and BookMyShow. Spend ₹1 lakh annually to waive the fee and redeem points for gift vouchers, ideal for online shoppers.
The SimplyCLICK SBI Credit Card is primarily designed for online and domestic shopping, not international use. It charges a 3.5% foreign currency markup fee, and you don’t earn accelerated rewards on international transactions. For frequent international usage, cards with lower forex charges and global travel benefits are more suitable.
The annual fee is ₹499 (plus applicable taxes). It can be waived in case your spending reaches ₹1 lakh or more in a year.
- 10x Reward Points on online spending at partner websites like BookMyShow, Cleartrip, Myntra, Netmeds, Yatra, and Dominos.
- 5x Reward Points on all other online transactions.
- 1 Reward Point per ₹100 spent on offline transactions.
The foreign currency mark-up fee on the SBI Bank SimplyClick Card is 3.50% of the transaction amount, plus applicable taxes.
You can track your application by Logging into SBI’s net banking portal or Calling customer care. The bank also sends you regular updates via SMS on your registered mobile number.
- You can redeem reward points in multiple ways:
- SBI Card Website/App → Log in and select “Rewards” to redeem against e-vouchers, products, or gift cards.
- Pay with Points → Use points to pay directly at partnered merchants.
- Conversion to Cash Credit → Convert points into statement balance (as per SBI’s redemption policy).
- (Note: 1 Reward Point = ₹0.25 when redeemed for products or vouchers.)
Reward points are valid for 2 years (24 months) from the date they are earned. Unused points beyond this period will expire automatically.
- You can pay your bill using the following methods:
- SBI Card Online Portal/App → Use net banking, UPI, debit card, or other online options.
- NEFT/IMPS - Pay via your bank using SBI credit card details.
- Auto Debit - Set up ECS/standing instructions from your savings account.
- Offline - Pay through cheque or cash at SBI branches or drop boxes.
