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). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

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.
• 1 reward point per Rs 100 on offline spends.
• Welcome Amazon voucher worth Rs 500 on fee payment.
• Milestone e-vouchers worth Rs 2,000 each at Rs 1 lakh and Rs 2 lakh annual spends, plus a 1% fuel surcharge waiver.

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

How to Get the Most from the SBI SimplyCLICK Credit Card

• Use it where it is strongest — online shopping (entry-level) — where it earns 10X on partners, 5X online; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 499 (waiver on Rs 1L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on SBI Card and the card variant, but for the SBI SimplyCLICK Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing SBI Card customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 10X on partners, 5X online. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

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 Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• IDFC FIRST Select Credit Card — Lifetime-free all-rounder
• IDFC FIRST WOW Credit Card — Secured / first card
• AU Bank LIT Credit Card — Customisable, lifetime-free
• IDFC FIRST Millennia Credit Card — Lifetime-free rewards
• Tata Neu Plus HDFC Bank Credit Card — Entry Tata ecosystem