10X
Reward Points on Online Spends
You get 10 reward points for every ₹100 you spend on partner apps like Amazon, Swiggy and Cleartrip. That is 10 times more than what a regular card gives you.
SBI Card
SBI SimplyCLICK
Credit Card
Use this card for online shopping and you earn 10X reward points. Shop on Amazon, Swiggy, Cleartrip and other partner apps — every purchase gives you more points. Annual fee is just ₹499, and it gets waived if you spend ₹1 lakh in a year.
At a Glance
SBI SimplyCLICK Credit Card Benefits
The three main things you get with this card.
₹2,000
e-Vouchers on Annual Online Spends
Spend ₹1 lakh online in a year and get a ₹2,000 e-Voucher. Spend ₹2 lakhs and get another ₹2,000. So you can get up to ₹4,000 in vouchers every year.
1%
Fuel Surcharge Waiver
You save 1% on the extra charge added when you pay for fuel at petrol pumps. Small saving each time, but it adds up if you fill up often.
Rewards Programme
SBI SimplyCLICK Credit Card Rewards
Two ways to earn rewards with this card.
SBI SimplyCLICK Credit Card Milestone Benefits
- Spend ₹1 lakh online in a year and you get a ₹2,000 e-Voucher. It is added to your account automatically.
- Spend ₹2 lakhs in the same year and you get another ₹2,000 e-Voucher.
- So if you reach both targets, you can earn ₹4,000 in vouchers in a single year.
SBI SimplyCLICK Credit Card E-Shopping Rewards
- You earn 10X reward points when you shop on the partner apps listed below.
- You earn 5X reward points when you shop on any other website or app online.
Exclusive Partners — 10X Rewards
Apollo 24*7BookMyShowCleartripDomino'sIGPMyntraNetmedsSwiggyYatraGyftrTata CLiQ
5X on all other online spends
Costs & Charges
SBI SimplyCLICK Credit Card Fees and Charges
Quick summary: You pay ₹499 when you get the card. From next year, you pay ₹499 every year to renew. But if you spend ₹1 lakh or more in a year, that renewal charge is not applied. Add-on cards for family members are free.
Fee Type
Amount
Notes
Annual Fee
₹499 + taxes
Paid once when you get the card for the first time
Renewal Fee (per annum)
₹499 + taxes
Charged every year from the second year to keep the card active
Renewal Fee Waiver
Auto-waived
If you spent ₹1,00,000 or more last year, the renewal fee is not charged. No need to ask for it.
Add-on Card Fee (per annum)
Nil
You can add cards for your spouse, parents, children or siblings above 18 years. No extra charge.
Card Features
SBI SimplyCLICK Credit Card Features
Other things this card lets you do.
Contactless Advantage
Tap & Pay — Just tap your card on the payment machine. You do not need to hand over the card or enter a PIN for small amounts. Quick and easy.
Fast Payments — Good for quick payments at shops, cafes or metro stations. Takes less than a second.
Safe to Use — Your card stays in your hand the whole time. Even if you tap by mistake more than once, only one payment goes through.
Global Acceptance
- Works at over 24 million shops and stores around the world, including 3,25,000 places in India
- Accepted at any shop or restaurant that takes Visa or Mastercard payments
Cash Withdrawal
- You can withdraw cash from over 1 million ATMs worldwide that accept Visa or Mastercard. Useful when you travel abroad and need local cash.
Flexipay EMI
- If you made a big purchase, you can convert it into smaller monthly payments so it does not hit your budget all at once
- Works for any purchase of ₹2,500 or more. Log in to your SBI Card account to set it up after buying
Add-on Cards
You can get extra cards for your family members — spouse, parents, kids above 18, or siblings. Each person gets their own card. No extra annual fee is charged for these add-on cards.
Bill Payments
Pay your electricity bill, phone bill and mobile recharges using the SBI Easy Bill Pay feature. You can set it up and never miss a due date again.
Balance Transfer on EMI
- If you owe money on another bank's credit card at a high interest rate, you can move that amount to this SBI card
- You then pay it back in small monthly installments at a lower interest rate, which saves you money
- Log in to your SBI Card account online and choose the balance transfer option to start
Is This Card Right For You?
Who Should Get This Card?
✓ Good fit if you
- Shop online regularly on Amazon, Swiggy, Flipkart or similar apps
- Order food online at least 3–4 times a week
- Book flights or hotels online a few times a year
- Want a card with a low annual fee that can be waived
- Are getting your first credit card and want simple rewards
- Buy medicines or health products online through apps like Netmeds
✗ Not the best fit if you
- Spend most of your money at local shops or in cash
- Travel frequently and want free airport lounge access
- Want a single card that works well both online and offline
- Are looking for high rewards on dining out at restaurants
- Need premium benefits like concierge or golf access
Editorial Review
RupayCreditCards.in Review
This is a good card if you shop online a lot. The 10X rewards on partner apps are hard to beat at this price. The annual fee is only ₹499, and if you spend ₹1 lakh in a year online (which is easy if you order food and shop regularly), you do not even pay the renewal fee. The only downside is that it does not give much if you shop offline or want lounge access when travelling.
What we like
- 10X rewards on 11 popular apps covers most everyday online shopping
- Annual fee gets waived at ₹1 lakh yearly spend
- Up to ₹4,000 in e-Vouchers each year if you hit both milestones
- Add-on cards for family are free
What could be better
- No airport lounge benefit
- Offline purchases earn almost nothing
- Welcome gift of ₹500 Amazon voucher is a bit low
Our take: A solid card for online shoppers. At ₹499 a year (usually waived), it gives good value if most of your spending is on apps and websites.
Quick Answers
SBI SimplyCLICK Credit Card FAQs
The annual fee is ₹499 plus taxes. You pay this when you first get the card. From the second year, there is a renewal fee of ₹499 plus taxes. But if you spent ₹1,00,000 or more in the previous year, the renewal fee is not charged. So if you shop online regularly, you usually do not end up paying it.
Yes, you can use this card outside India. It works at over 24 million shops worldwide, including 3,25,000 in India. Any shop or restaurant that accepts Visa or Mastercard will take your card. You can also withdraw cash from over 1 million ATMs around the world that support Visa or Mastercard.
You can apply online at sbicard.com. You can also use the ILA chatbot on the SBI Card website. Or call SBI Card on 39 02 02 02 (add your city STD code first). You can also walk into any SBI branch nearby and apply in person.
Ready to Apply for the SBI SimplyCLICK Card?
You can apply online in a few minutes. SBI Card will let you know if your application is approved, usually within a few working days.
Apply for SBI SimplyCLICK Credit CardApproval is subject to SBI Card's eligibility criteria. We are not affiliated with SBI Card and do not process applications.