SBI SimplyCLICK Credit Card Review (2026)

Quick verdict: The SBI SimplyCLICK Credit Card is best for online shopping (entry-level). It earns 10X on partners, 5X online, with an annual fee of Rs 499 (waiver on Rs 1L spend). Points are worth Rs 0.25 each on the SBI Card product page, so the 10 points per Rs 100 at eleven partner sites return 2.50%, other online spends 1.25% and offline spends 0.25%; the Rs 588.82 renewal fee including GST is reversed at Rs 1 lakh of annual spend, and Rs 2,000 travel vouchers (Cleartrip or Yatra) arrive at Rs 1 lakh and Rs 2 lakh of online spend; see Our Analysis below.

Overview

The SBI SimplyCLICK is a popular entry-level card aimed squarely at online shoppers. For a Rs 499 fee, it accelerates rewards on a set of online partners and offers useful welcome and milestone vouchers.

It is a good first card: easy to get, easy to waive the fee, and rewarding if most of your spending happens online.

Fees & Charges

Rewards & Benefits

• 10X reward points on partner online brands such as Apollo 24×7, BookMyShow, Cleartrip, Swiggy and Myntra.
• 5X reward points on all other online spends (capped at 10,000 RP a month); no points on rent, government, digital gaming, wallet loads or fuel.
• 1 reward point per Rs 100 on offline spends.
• Welcome Amazon voucher worth Rs 500 on fee payment.
• Milestone Cleartrip/Yatra e-vouchers worth Rs 2,000 each at Rs 1 lakh and Rs 2 lakh of annual online spends, plus a 1% fuel surcharge waiver.

Our Analysis: Which Online Merchant Gets the Rupee Sets the Rate

Our analysisSimplyCLICK has three earn rates, and two of them depend on the merchant rather than on how much you spend: a listed partner site earns twice what any other online merchant earns, and an offline shop earns a tenth of the partner rate. The fee is easy to remove, so the useful questions are how much of your online spending goes to the eleven partners, and whether you will use two travel vouchers that arrive at fixed online-spend levels.

1. Three rates and the value SBI Card puts on a point

• Issuer fact10 reward points per Rs 100 online at Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata Cliq, with no cap; 5 points per Rs 100 on other online spends, capped at 10,000 points a calendar month, after which they earn the base rate; 1 point per Rs 100 on everything else.
• Issuer factThe partner rate applies only to payments in rupees; Cleartrip and Yatra bookings made through affiliate channels do not get it, and e-gift vouchers get it only on the GyFTR portal. Utility bills paid on the SBI Card website or app do not get the online rate. Wallet loads, offline fuel, rent (from 1 April 2024), government payments (from 1 June 2024) and digital gaming (from 1 December 2024) earn no points.
• Issuer factThe product page states “4 Reward Points = Re 1”. It does not say through which redemption route.
• CalculationAt Rs 0.25 a point, partner spends return 2.50%, other online spends 1.25% and offline spends 0.25%. The online cap would bind only above Rs 2,00,000 of non-partner online spend in one month (Rs 2,50,000 if just the 4 points above the base rate count towards it).

CalculationBlended return = partner share × 2.50% + remaining share × 1.25%.

• Issuer factSBI Card’s documents disagree on redemption. The SimplyCLICK T&C (July 2026) say “You can not pay your card outstanding with Reward Points” and point to partner e-gift vouchers in the rewards catalogue, while the Shop & Smile rewards T&C (September 2026) allow statement credit for eligible cards in multiples of 4,000 points, with a Rs 99 + taxes fee that the MITC applies to physical products, statement credit and vouchers sent physically.
• AssumptionWe value points at the Rs 0.25 the product page states and take no redemption fee, which assumes they go to e-vouchers that are delivered electronically.

2. The fee, the welcome voucher and the travel vouchers

• Issuer factJoining fee and renewal fee Rs 499 + taxes each. The renewal fee is reversed if spends in the 365 days before the fee billing date reach Rs 1,00,000. An Amazon Pay gift card worth Rs 500 is sent within 21 days of paying the first-year fee.
• Issuer factAn e-voucher worth Rs 2,000 at Rs 1,00,000 and another at Rs 2,00,000 of annual online spends. SBI Card chooses whether it is Cleartrip or Yatra; the Cleartrip coupon is for flight bookings, works in a single transaction, loses any unused balance; the Yatra voucher covers flights, domestic hotels and holidays but is not valid on a booking smaller than the voucher; either e-voucher is valid for 4 months from issue.
• CalculationIncluding GST the fee is Rs 588.82; the welcome gift card leaves Rs 88.82 uncovered in year one. In a year the fee is charged, points alone recover it with Rs 23,553 of partner spend, Rs 47,106 of other online spend or Rs 2,35,528 of offline spend, the last being more than the Rs 1,00,000 that removes the fee.
• Our analysisA travel voucher with a four-month life and a brand you cannot pick is worth its face value only if you were going to make a booking of at least Rs 2,000 in that window, so we list the vouchers apart from the points.

3. Four renewal-year patterns

AssumptionPatterns we chose to sit on either side of the Rs 1,00,000 waiver and the two online milestones; they are not averages. Renewal year, so no welcome gift; the same spend every year; every rupee eligible for points; points at Rs 0.25 with no redemption fee; vouchers at face value, shown separately.

CalculationReturn from points on total spend: 1.10%, 0.78%, 1.40%, 1.50% in the four rows. The second row reaches the fee waiver on total spend but earns no voucher, because only Rs 40,000 of it is online.

4. Spends that work against the card

• Issuer factForeign currency transaction fee 3.5% (MITC). Since 1 November 2025, a fee of 1% applies to each wallet load above Rs 1,000.
• CalculationA Rs 20,000 purchase from an overseas website costs Rs 826 in markup including GST, against Rs 250 of points even if it earned the 5-point online rate.
• CalculationLoading Rs 5,000 into a wallet costs Rs 59 including GST and earns no points.

5. Who it suits, and when a different card fits better

• Our analysisIt suits people whose online spending runs through the listed partners, such as food delivery, pharmacy and fashion orders, and who will spend Rs 1,00,000 a year so the fee disappears. At a partner share of half, online spending returns about 1.88% before any vouchers.
• Our analysisIf most of your spending is in shops or on bills paid through the SBI Card app, the card earns 0.25% or less on it, and abroad the 3.5% markup plus GST exceeds what the points return, so a card built around those spends may return more.

CalculationMethod: fees include 18% GST (fee × 1.18). Break-even spend = fee including GST ÷ reward rate. Effective rate = rewards in a year ÷ eligible spend in that year. Rewards are shown gross; net figures subtract the fee only in the years it is payable. Point values use the SimplyCLICK product page figure of Rs 0.25; milestone vouchers appear at face value in their own column and are never added to the points. The four patterns are assumptions we chose.

Sources for this analysis: after the page-wide source check of 30 September 2026, the rates, caps, fees and conditions used above were re-checked against these issuer documents on 1–2 October 2026 (India time): SimplyCLICK SBI Card product page · SimplyCLICK T&C (July 2026) · Shop & Smile Rewards Program T&C (September 2026) · SBI Card MITC (September 2026).

Pros & Cons

Who Should Get This Card?

• First-time or entry-level card users
• People who spend mostly online
• Anyone who shops on the partner brands listed

Frequently Asked Questions

Before You Apply

Only the eleven listed partners earn 10 points per Rs 100, and only when paid in rupees and not through affiliate links; other online spends earn 5 points, capped at 10,000 a calendar month, and offline spends 1 point. The SimplyCLICK terms say points cannot pay the card bill while the rewards programme terms allow statement credit, and the milestone vouchers are single-use Cleartrip flight or Yatra travel coupons, with the brand picked by SBI Card, valid for 4 months. Pay each statement in full: interest on a carried balance can quickly exceed the rewards earned.

• Before you carry a balance, read how credit card interest, the grace period and the minimum due actually work.
• Income, age, credit score and document requirements are the same across most issuers — see credit card eligibility and documents.

Issuer reference: SBI Card’s official card page, linked below. The issuer sources listed below were checked on 30 September 2026 and re-checked against their current versions on 25 October 2026; details those sources do not state have not been re-verified. Issuers revise fees, reward rates and benefits without notice — confirm the current terms on the issuer’s own site before applying. SBI Card — official card page

Sources checked 30 September 2026, re-checked 25 October 2026: SBI Card – SimplyCLICK SBI Card product page · SBI Card – SimplyCLICK SBI Card T&C (PDF dated 24 Jul 2026) · SBI Card – Shop and Smile Rewards Program T&C (PDF dated 23 Sep 2026) · SBI Card – Most Important Terms and Conditions (PDF dated 28 Sep 2026)

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 69 cards — see how this card stacks up against the rest.

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