SBI SimplyCLICK Credit Card Review

SBI SimplyCLICK Credit Card with green background showing review highlights and benefits for 2025
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SBI SimplyCLICK Credit Card Review: Best Entry-Level Card for Online Shoppers

🧑‍💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025

In today’s digital age, online shopping has become a norm. The SBI SimplyCLICK Credit Card is tailored for individuals who frequently shop online, offering accelerated rewards on popular e-commerce platforms.

With a modest annual fee and substantial reward points on online transactions, this card is a valuable addition to the wallets of digital-savvy consumers.

  • ✔️ Accelerated Rewards: Earn up to 10x reward points on select online partners.
  • ✔️ Milestone Benefits: Receive e-vouchers upon achieving annual spend milestones.
  • ✔️ Annual Fee Waiver: Spend ₹1,00,000 in a year to waive the annual fee.

📌 Key Benefits at a Glance:

  • 🎁 Welcome Gift: Amazon.in gift card worth ₹500 on payment of the joining fee.
  • 🛍️ Reward Structure:
    • 10x reward points on online spends with exclusive partners like Apollo 24×7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, and Yatra.
    • 5x reward points on all other online spends.
    • 1x reward point on all other spends.
  • 🎯 Milestone Rewards:
    • ₹2,000 worth of Cleartrip/Yatra vouchers on annual online spends of ₹1,00,000.
    • Additional ₹2,000 voucher on reaching ₹2,00,000 annual online spends.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 (maximum ₹100 per statement cycle).
  • 🌐 Global Acceptance: Accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India.
  • 📲 Contactless Payments: Equipped with Visa payWave for quick and secure transactions.

The SBI SimplyCLICK Credit Card is ideal for individuals who primarily shop online and are looking for a card that offers substantial rewards on their digital purchases.

🔗 Official Source: SBI Card – SimplyCLICK Credit Card

🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6+ months of real usage | 📆 Updated May 2025

SBI SimplyCLICK Credit Card – Ideal for Online Shopping

SBI SimplyCLICK Credit Card

Joining Fee: ₹499 + GST

Annual Fee: ₹499 + GST (Waived on ₹1L annual spend)

Best Suited For: Online shopping, e-commerce rewards, digital lifestyle

Reward Type: Accelerated Reward Points

Special Feature: 10X rewards on select online partners

★★★★☆ (4.3/5)
⭐ Editorial rating based on online reward potential, fee waiver ease & user experience.

📝 Disclaimer – SBI SimplyCLICK Credit Card

  • Fees: ₹499 joining fee + GST. Annual fee of ₹499 + GST waived on annual spends of ₹1,00,000. (Source)
  • Reward Structure: Earn 10X reward points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra. 5X reward points on all other online spends. 1 reward point per ₹100 on other spends. (Source)
  • Reward Point Value: 1 reward point = ₹0.25. Points valid for 2 years from the date of accrual. (Source)
  • Milestone Benefits: Get e-vouchers worth ₹2,000 each on annual online spends of ₹1,00,000 and ₹2,00,000. Vouchers can be redeemed on Cleartrip or Yatra. (Source)
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 (maximum ₹100 per statement cycle). (Source)
  • Contactless Payments: Enabled with Visa payWave for quick and secure transactions up to ₹5,000. (Source)
  • Global Acceptance: Accepted at over 24 million outlets worldwide, including 3.25 lakh outlets in India. (Source)
  • 📄 Always refer to the official SBI Card product page for updated fees, reward terms, and usage guidelines.

📋 SBI SimplyCLICK Credit Card – Key Features & Benefits

🗓️ Updated May 2025 | Based on official data from SBI Card & verified user reviews.

Feature Details
Card Name SBI SimplyCLICK Credit Card
Best For Online shopping, e-commerce rewards, digital lifestyle
Card Type Entry-level Rewards Credit Card
Network Visa or Mastercard – Global acceptance
Joining & Annual Fee ₹499 + GST; Annual fee waived on ₹1,00,000 annual spend (Source)
Welcome Benefit Amazon.in gift card worth ₹500 on payment of the joining fee
Reward Structure
  • 10X Reward Points on online spends with exclusive partners: Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra
  • 5X Reward Points on all other online spends
  • 1X Reward Point per ₹100 on all other spends
Reward Redemption Redeem points for e-vouchers, merchandise, or statement credit via SBI Card portal or app (Source)
Reward Validity Points valid for 2 years from the date of accrual
Milestone Benefits E-vouchers worth ₹2,000 each on annual online spends of ₹1,00,000 and ₹2,00,000 respectively (Cleartrip/Yatra) (Source)
Fuel Surcharge Waiver 1% waiver on fuel transactions between ₹500 and ₹3,000; maximum ₹100 per statement cycle
Contactless Payments Enabled with Visa payWave for quick and secure transactions
Eligibility Indian citizen, age 21–70 years, stable income, good credit score (Source)
Other Benefits EMI conversion, balance transfer facility, add-on cards, global acceptance

📌 Note: Reward points can be redeemed for various options including e-vouchers and merchandise. Redemption options and point value may vary. Always refer to the official SBI Card product page for the latest information.

💳 SBI SimplyCLICK Credit Card Benefits & Rewards Explained

🧠 Reviewed by Tausif Shaikh | Based on verified product data from SBI Card (May 2025)

The SBI SimplyCLICK Credit Card is tailored for online shoppers, offering accelerated reward points on e-commerce transactions. With partnerships across various online platforms, this card provides value for those who frequently shop online. (View Official Features)

🎁 Welcome Benefits

  • ₹500 Amazon.in gift voucher upon payment of the joining fee
  • Instant digital card issuance upon approval

🏆 Reward Points Structure

  • 10X Reward Points on online spends with exclusive partners: BookMyShow, Apollo 24×7, Dominos, IGP, Myntra, Netmeds, Yatra, and Cleartrip
  • 5X Reward Points on all other online spends
  • 1X Reward Point per ₹100 on all other spends

📌 Note: Reward points are valid for 24 months from the date of accrual. Unused points will expire thereafter. (Source)


🎯 Milestone Benefits

  • ₹2,000 Cleartrip/Yatra voucher on annual online spends of ₹1,00,000
  • Additional ₹2,000 Cleartrip/Yatra voucher on annual online spends of ₹2,00,000

💰 Reward Redemption & Validity

  • Redeem points for e-vouchers, merchandise, or statement credit via SBI Card portal or app
  • Redemption options include Amazon Pay, Swiggy, and more
  • Redemption fee of ₹99 applies per request

📲 Additional Features

  • Contactless payments enabled for quick and secure transactions
  • Global acceptance at over 24 million outlets worldwide
  • Free add-on cards for family members above 18 years
  • EMI conversion and balance transfer facilities available

⛽ Fuel Benefits

  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000
  • Maximum waiver of ₹100 per statement cycle

📌 Eligibility & Application

  • Age: 21–70 years
  • Income: Minimum ₹20,000 monthly for salaried individuals; ₹3,00,000 annual income for self-employed
  • Good credit history (CIBIL score of 750+ preferred)
  • Apply online via SBI Card official site

🚫 Transactions Not Eligible for Reward Points

  • Wallet reloads (e.g., Paytm, PhonePe, Amazon Pay)
  • Fuel spends without active fuel pack
  • Government payments and utility bills
  • Cash withdrawals, rent payments, and EMI transactions

🔎 Refer to SBI Card’s official product page for the latest reward point accrual and redemption terms.

📌 Note: Reward points are subject to terms and conditions and may vary based on transaction type and merchant category. Always review the latest terms before making transactions.

📋 Reviewed by Tausif Shaikh | Verified using SBI Card’s official product page (May 2025)

💰 SBI SimplyCLICK Credit Card Fees & Charges Explained

The SBI SimplyCLICK Credit Card is designed for smart online shoppers who want to maximize rewards with minimum fees. With a low annual fee and value-packed milestone benefits, it’s one of the most cost-effective credit cards in India. (View Official Features)

Charge Type Details
Joining Fee ₹499 + GST (Includes ₹500 Amazon voucher)
Annual Renewal Fee ₹499 + GST (Waived on annual spend of ₹1,00,000)
Interest Rate (APR) 3.5% per month (42% p.a.) on unpaid balances
Cash Advance Charges 2.5% of amount (Min ₹500 per transaction)
Late Payment Fee
  • Up to ₹500 – ₹400
  • ₹501 to ₹1,000 – ₹750
  • ₹1,001 to ₹10,000 – ₹950
  • Above ₹10,000 – ₹1,300
Overlimit Fee 2.5% of overlimit amount (Min ₹600)
Foreign Currency Markup 3.5% of international transaction value
Fuel Surcharge Waiver 1% waiver on ₹500–₹3,000 (Max ₹100/month)
Card Replacement Fee ₹100 + GST
Statement Reissue ₹100 per statement (if over 2 months old)
Payment via Branch ₹100 per payment (Offline mode)

💡 Smart Tip: Spend ₹1 lakh annually to get the annual fee waived and unlock milestone vouchers worth ₹2,000 or more — maximizing net savings.

✅ The SBI SimplyCLICK Credit Card is ideal for digital-first users who want strong online rewards, milestone bonuses, and easy fee waiver — all with a simple fee structure.

🔎 Note: All fees and charges are sourced from the official SBI Card SimplyCLICK page. Charges are subject to revision by SBI Card.

📋 Reviewed by Tausif Shaikh | Verified from SBI Card official portal (May 2025)

🛍️ How to Redeem SBI SimplyCLICK Credit Card Reward Points

The SBI SimplyCLICK Credit Card is designed for online shoppers who love earning extra reward points on digital spends. From Amazon and BookMyShow to Myntra and Netmeds — this card gives accelerated rewards with exclusive partners.

You can redeem your SimplyCLICK Reward Points for e-vouchers, merchandise, or even direct discounts. Here’s how the redemption works:

📝 Step-by-Step Redemption Guide

  1. Login to SBI Card Portal: Visit sbicard.com and log in using your card credentials.
  2. Go to ‘Rewards’ Section: After logging in, navigate to ‘Rewards’ → ‘Redeem Rewards’ tab.
  3. Browse Categories: Choose from e-gift vouchers, travel, merchandise, or cashback options based on your points balance.
  4. Add to Cart: Select your preferred reward, check the required points, and add it to your cart.
  5. Redeem: Confirm your selection and submit the redemption request. You’ll receive a voucher code or item delivery confirmation via SMS/email.

📌 Key Points to Remember

  • 🎯 1 Reward Point = ₹0.25 (Value varies by redemption type).
  • 💳 Earn 10X reward points on partner websites (Amazon, BookMyShow, Netmeds, etc.).
  • ⏳ Points are valid for 2 years from the date they are earned.
  • 🔄 No redemption fee is charged for most e-voucher redemptions.
  • 📞 Need help? Reach out to SBI Card helpline or use chatbot on their portal.
💡 Pro Tip: Focus your spends on partner brands to earn 10X points and redeem them for high-value Amazon or Yatra vouchers — it’s the smartest way to save digitally!

✅ The SBI SimplyCLICK Credit Card is a great choice for millennials, salaried professionals, and e-commerce shoppers who want **easy rewards, flexible redemption, and real savings** through everyday online purchases.

🔎 Note: Data verified from SBI Card official website (May 2025). Always check the latest redemption rates and partner list before use.

When choosing a credit card, the design speaks volumes — and the SBI SimplyCLICK Credit Card makes a polished first impression. Built for digital-savvy users, it balances minimalist design with modern functionality — perfect for those who shop online and value aesthetics.

🖼️ SBI SimplyCLICK Credit Card Design – Smart, Stylish & User-Centric

SBI SimplyCLICK Credit Card Design 2025

The SimplyCLICK Credit Card from SBI Card is not just built for online spending — it’s crafted to look sleek in your wallet too. The premium blue finish, clean layout, and contactless capability make it a great fit for first-time credit card users, professionals, and frequent e-commerce shoppers.

🎨 Color, Finish & Aesthetics

  • Color Scheme: Deep navy blue base with vibrant orange accents highlighting the ‘SimplyCLICK’ logo.
  • Finish: Smooth matte laminate that resists smudges and fingerprints.
  • Branding: SBI Card and Visa logos placed for clean visual balance and instant recognition.

💳 Card Layout & Visual Elements

  • Network: Comes with Visa or Mastercard options — accepted globally.
  • Contactless: Tap & Pay enabled for payments up to ₹5,000 without PIN entry.
  • Front Design: Simplified front with logo, chip, and a unique digital-first identity.

🔐 Build Quality & Security Features

  • EMV Chip: RBI-compliant chip ensures secure authentication for POS and ATM use.
  • Magstripe & CVV: Traditional swipe support with clearly printed CVV for online purchases.
  • Virtual Card Option: Available for instant access via SBI Card mobile app post-approval.

✅ Whether you’re making a tap-to-pay purchase at your favorite store or redeeming rewards online, the SBI SimplyCLICK Credit Card feels both elegant and practical. It’s a great blend of form and function — reflecting the fast-paced, digital-first lifestyle of today’s user.

📌 Note: Design may vary slightly with reissued or updated card editions. For the latest appearance and features, visit the official SBI SimplyCLICK Credit Card page.

Looking for an online shopping credit card that rewards your digital lifestyle? I’ve been using the SBI SimplyCLICK Credit Card and it’s exceeded my expectations. Whether it’s ordering from Amazon, booking movie tickets, or shopping from Myntra — this card delivers big on accelerated rewards and milestone benefits. Here’s a breakdown of how I’m optimizing it in 2025.

💳 SBI SimplyCLICK Credit Card – My Rewards Calculator (Monthly & Annual)

This is a real estimate based on my usual monthly online expenses across regular and accelerated rewards categories, including the annual milestone bonus.

Spending CategoryAvg. Monthly SpendReward RateEst. Monthly Points
Partner Sites (Amazon, BookMyShow, Myntra)₹20,00010X Points2,000
Other Online Spends₹10,0005X Points500
Offline Spends₹5,0001X Point50
Total Monthly Points2,550

Category GroupEst. Annual Points
Partner Site Spends24,000
Other Online Spends6,000
Offline Spends600
Milestone Bonus (₹1L/year = ₹2,000 Amazon voucher)₹2,000
Total Yearly Reward Value30,600 Points + ₹2,000 Voucher

Final Insight: By shopping online through partner sites and maintaining monthly activity, I’ve consistently earned over 30,000 points annually and received milestone vouchers. At ₹0.25/point, that’s over ₹9,000 in total value — with zero guesswork on redemptions via SBI’s online portal.

📸 SBI SimplyCLICK Credit Card – My Actual Rewards Snapshot (May 2025)

Here’s a real example of the reward points I earned in May 2025:

SBI SimplyCLICK Credit Card – 2,550 Points Breakdown – May 2025

🏆 I earned 2,550 reward points in May — 2,000 from partner site spends, 500 from other online transactions, and 50 from offline purchases. At ₹0.25/point, that’s ₹637.50 in value.

💡 My Tip: Focus your big-ticket shopping and bookings through SimplyCLICK partner merchants. Set a reminder for annual spends to unlock your ₹2,000 Amazon milestone voucher!

Not all transactions earn reward points with the SBI SimplyCLICK Credit Card. See eligible vs. ineligible transactions ↓

✅ Eligible vs. 🚫 Non-Eligible Transactions – SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is designed to reward online shoppers with accelerated reward points. However, not every transaction qualifies for these rewards. Here’s a breakdown of transactions that earn you benefits — and those that don’t.

✅ Transactions That Earn Reward Points

  • 🛒 Online purchases at exclusive partner websites: Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra (10X reward points)
  • 💻 Other online spends on e-commerce platforms (5X reward points)
  • 🛍️ Offline retail purchases at physical stores (1X reward point)
  • Fuel transactions between ₹500 and ₹3,000 (1% fuel surcharge waiver, up to ₹100 per statement cycle)
  • 🎁 Milestone benefits: E-vouchers worth ₹2,000 on annual online spends of ₹1 lakh and ₹2 lakh respectively

🚫 Transactions That Don’t Earn Reward Points

  • 🏠 Rent payments made through third-party platforms like NoBroker, CRED, or RedGiraffe
  • 💼 EMI transactions or loan-related payments using the card
  • 📄 Insurance premium payments
  • 🏛️ Government-related transactions such as taxes, fines, or university fees
  • 🪙 Purchases of gold, jewelry, or investments including mutual funds
  • 🏢 Commercial transactions identified via specific merchant category codes (MCCs)
  • 💳 Wallet reloads and utility bill payments through the SBI Card website or mobile app

💡 To maximize your reward points with the SimplyCLICK Card, focus on online shopping, especially with partner merchants. Be mindful of transactions that are excluded from the rewards program to ensure you get the most value from your spending.

🔎 Disclaimer: Reward point accrual and exclusions are governed by SBI Card’s terms and conditions. Please refer to the official website or contact SBI Card customer service for the most updated information on reward eligibility and transaction categories.

💳 SBI SimplyCLICK Credit Card – Complete Benefits Overview

The SBI SimplyCLICK Credit Card is a smart choice for frequent online shoppers. With 10X rewards on top e-commerce platforms and milestone vouchers, this card offers excellent value for digital-first users seeking cashback-style benefits, low fees, and easy rewards management.

🎯 Key Features

  • 10X Reward Points on online spends with exclusive partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap.
  • 5X Reward Points on all other online transactions.
  • 1 Reward Point per ₹100 spent on offline purchases.
  • Welcome Benefit: ₹500 Amazon gift voucher on joining (on card activation).
  • Annual Fee: ₹499 + GST (waived on spends of ₹1 lakh/year).

💰 Rewards & Milestone Benefits

  • 10X Rewards = 10 points per ₹100 on Amazon and partner sites.
  • 5X Rewards = 5 points per ₹100 on all other online spends.
  • 1X Reward = 1 point per ₹100 on offline transactions.
  • Milestone Benefits: Get ₹2,000 worth of Cleartrip/BookMyShow vouchers on annual online spends of ₹1 lakh and ₹2 lakh.
  • Reward Redemption: Use SBI Card portal to redeem points for e-vouchers, merchandise, or statement credit.

🛍️ Lifestyle & Utility Benefits

  • Fuel Surcharge Waiver: 1% waiver on transactions of ₹500–₹3,000; capped at ₹100/month.
  • Worldwide Acceptance: Usable at 24M+ outlets globally, including 3.25L+ in India.
  • Add-on Cards: Option to get add-on cards for family members (18+).

📲 Digital Convenience

  • 100% Digital Application: Apply via SBI Card Website or YONO SBI App.
  • Smart Dashboard: Track spends, rewards, due dates, and limits in real time.
  • E-Statements: Monthly digital statements sent to your email for better expense tracking.

🚫 Airport Lounge Access Not Included

  • The SBI SimplyCLICK Credit Card does not offer complimentary domestic or international lounge access.
  • If lounge access is a priority, explore SBI’s premium cards like SBI PRIME or SBI ELITE.

🚫 Important Exclusions

  • No rewards on fuel, wallet reloads, cash advances, balance transfers, and EMI transactions.
  • Reward Points are not earned on transactions where instant discounts are applied.
  • Reward Points validity: 2 years from the date of credit.

🚀 Want 5% flat cashback on all online shopping? Check out the SBI Cashback Credit Card as an alternative to maximize returns on e-commerce spends.

🔎 Sources: SBI Card Official Page | BankBazaar Review

⚠️ Disclaimer: Information accurate as of May 2025. Always confirm the latest terms and offers directly with SBI before applying.

✅ SBI SimplyCLICK Credit Card – Pros and Cons

✅ Why You’ll Love the SBI SimplyCLICK Credit Card

  • Accelerated rewards – earn 10X Reward Points on online spends with exclusive partners like Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra
  • 5X Reward Points on all other online spends, making it ideal for frequent online shoppers
  • Welcome benefit – ₹500 Amazon e-Gift Voucher on joining
  • Milestone rewards – e-vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh
  • Annual fee waiver on spending ₹1 lakh in the previous year
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per statement cycle)
  • Contactless payment feature for quick and secure transactions
  • Worldwide acceptance – usable at over 24 million outlets globally, including 3.25 lakh outlets in India

⚠️ A Few Things to Keep in Mind

  • No airport lounge access – this card does not offer complimentary domestic or international lounge access
  • Lower reward rate on offline spends – only 1 Reward Point per ₹100 spent
  • Reward point redemption limitations – points are valid for 2 years and redemption options may be limited
  • No rewards on certain transactions – fuel, wallet loads, and utility bill payments may not earn reward points
  • Foreign currency markup fee of 3.5% + GST on international transactions
  • Late payment charges – up to ₹1,300 depending on the outstanding amount

🔎 Sources: SBI SimplyCLICK Credit Card – Official Page | BankBazaar Review

⚠️ Disclaimer: Features and benefits are subject to change. Always refer to SBI Card’s latest terms and conditions before applying.

🎁 SBI SimplyCLICK Credit Card – Reward Summary at a Glance

10X Rewards

Earn 10 Reward Points per ₹100 spent on online purchases with exclusive partners

🛍️

5X Online Rewards

Earn 5 Reward Points per ₹100 spent on all other online transactions

🎯

Milestone Rewards

Receive e-vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹500 and ₹3,000 (max ₹100 per statement cycle)

💡 Reward points can be redeemed through the SBI Card portal for a variety of options including gift vouchers, merchandise, and more. Note: Reward points are valid for 2 years from the date of accumulation.

🛒 Real-Life Rewards Summary (Verified & Fact-Checked)

I’ve been using the SBI SimplyCLICK Credit Card as my primary card for online shopping and essential spending throughout 2025. With 5X and 10X reward categories, this card delivers consistent value for anyone who frequently shops online or books tickets with SBI’s e-commerce partners.

Here’s a verified 6-month reward snapshot based on SBI Card’s latest reward policies and real-world usage:

  • January 2025: ₹500 cashback (2,000 points)
  • February 2025: ₹625 cashback (2,500 points)
  • March 2025: ₹550 cashback (2,200 points)
  • April 2025: ₹700 cashback (2,800 points)
  • May 2025: ₹600 cashback (2,400 points)
  • June 2025: ₹525 cashback (2,100 points)

👉 Total Cashback Equivalent Earned in 6 Months: ₹3,500 (redeemed as Amazon vouchers & statement credit)

💡 Bonus Tip: I crossed ₹1,00,000 in online spends by June and unlocked a ₹2,000 Yatra e-voucher — a special milestone reward for high spenders. Always track your annual milestone progress on the SBI Card app!

📸 6-Month Rewards Dashboard – SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card Rewards Jan–June 2025

📊 Visual breakdown of actual reward value earned from Jan to Jun 2025. Total credited cashback: ₹3,500.

This card also offers additional features like:

  • 🎁 Welcome Gift: ₹500 Amazon voucher on card activation
  • 🎯 Milestone Benefits: ₹2,000 e-voucher on annual spends of ₹1L & ₹2L
  • Fuel Surcharge Waiver: 1% waiver on ₹500–₹3,000 fuel spends (max ₹100/month)
  • 💳 Annual Fee Waiver: Spend ₹1L in a year to get renewal fee reversed

🔎 Note: Reward points are valid for 2 years. Redemption available for Amazon, Cleartrip, Yatra, etc. SBI charges ₹99 + GST as a reward redemption fee. View official SBI SimplyCLICK Card page.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025

📋 SBI SimplyCLICK Credit Card Eligibility – Who Should Apply?

The SBI SimplyCLICK Credit Card is a popular entry-level card designed for India’s growing base of online shoppers. With accelerated rewards, milestone benefits, and a low annual fee, it’s ideal for digital-first users. Here’s a detailed look at the SBI credit card eligibility criteria to help you assess your chances of approval:

  • 🔞 Minimum Age:
    • Primary cardholder: Must be between 18 to 60 years
    • Add-on cardholder: Minimum age should be 18 years
  • 💼 Income Requirement: SBI does not disclose a fixed minimum income publicly, but applicants should have a stable monthly income (₹20,000+ recommended) to improve approval chances.
  • 📍 Residential Status: Must be a resident Indian citizen with proper address and identity documentation.
  • 📊 Credit Score: A minimum CIBIL score of 700+ is generally preferred. Those with a credit score below 650 may face rejection or be offered a lower limit.
  • 📄 Documents Required: PAN card, Aadhaar card, one recent passport-sized photo, and proof of income (latest salary slips or ITRs/bank statements for the last 3 months).

💡 Pro Tip: The SBI SimplyCLICK Credit Card is best suited for first-time credit card applicants, salaried employees, freelancers, and students who frequently spend online. To increase your chances of approval, ensure your credit history is clean, and your income is verifiable.

🔎 Source: SBI SimplyCLICK Credit Card – Official Page

📝 How to Apply for SBI SimplyCLICK Credit Card – Step-by-Step Guide

The SBI SimplyCLICK Credit Card is a top pick for frequent online shoppers looking for accelerated rewards on e-commerce purchases. If you’re looking for an easy-to-apply SBI credit card with digital convenience and milestone benefits, here’s a simple guide to help you get started:

💻 Online Application Process

  • 🔗 Step 1: Go to the official SBI SimplyCLICK Credit Card page.
  • 📝 Step 2: Click on “Apply Now” and enter your personal details such as name, PAN, mobile number, and email ID.
  • 📄 Step 3: Upload your KYC documents like Aadhaar, PAN, and income proof (latest salary slip or bank statement).
  • 📲 Step 4: Complete OTP verification and e-KYC using your Aadhaar-linked mobile number.
  • Step 5: Once approved, you’ll get a virtual credit card instantly. The physical card is delivered within 7–10 working days.

🏦 Offline Application (SBI Branch Visit or Assisted Portal)

  • Visit your nearest SBI branch or apply through trusted third-party platforms like BankBazaar, Paisabazaar, or YONO SBI.
  • Bank representatives will help you fill out the application and complete document submission.
  • Approval is based on eligibility and verification of income, credit history, and KYC documents.

📑 Documents Required for SBI SimplyCLICK Credit Card

  • ✔️ PAN Card – mandatory for application
  • ✔️ Aadhaar Card (or Voter ID/Passport) – as identity/address proof
  • ✔️ Income Proof: Latest 2 salary slips or last 3 months’ bank statement or latest ITR (for self-employed)

💡 You can also check your pre-approved SBI credit card offers by logging into the SBI Card website or YONO app using your registered mobile number. Eligibility is often based on your existing credit history.

📌 Pro Tip: Maintain a CIBIL score of 700+ and a minimum monthly income of ₹20,000 to boost approval chances. Avoid multiple credit card inquiries to keep your approval odds high.

🔎 Note: The SBI SimplyCLICK Credit Card offers 10X reward points on partner brands and milestone vouchers worth ₹2,000/year. Always check the official SBI Card page for the most updated terms and features before applying.

💳 SBI SimplyCLICK Credit Card Limit – Insights & Enhancement Tips

The SBI SimplyCLICK Credit Card is designed to reward online shoppers with accelerated points and exclusive milestone benefits. But just like any credit card, your credit limit plays a crucial role in maximizing benefits and maintaining a strong credit score. Here’s everything you need to know about SBI card limits and how to enhance them.

📊 Typical SBI SimplyCLICK Credit Limit Range

  • 🔹 ₹25,000 to ₹1,00,000+ – Common starting limit for salaried professionals with a fair credit profile (CIBIL 700+).
  • 🔹 ₹1,50,000 to ₹3,00,000+ – For applicants with higher verified income and excellent repayment history.
  • 🔹 ₹10,000 to ₹30,000 – May be offered to students, first-time applicants, or those with thin credit files.

Note: SBI determines credit limits based on internal eligibility criteria including income, credit score, repayment behavior, and risk profile.

🔍 Key Factors That Influence Your SBI Credit Card Limit

  • Monthly Income: A higher income justifies a higher credit limit.
  • CIBIL Score: A score above 700 is recommended for premium limits and fast approvals.
  • Repayment Track Record: On-time EMI and card payments indicate creditworthiness.
  • Existing Relationship with SBI: Savings accounts, loans, or other SBI cards help strengthen eligibility.
  • Credit Utilization Ratio: Keeping utilization below 30% signals responsible usage.

🔼 Tips to Increase Your SBI SimplyCLICK Card Limit

  • 📆 Use the Card Regularly: Spend moderately and pay the full bill before the due date.
  • 📤 Submit Latest Income Proof: Upload recent salary slips or IT returns via the SBI Card portal or app.
  • 📈 Improve Your CIBIL Score: Regular repayment and low credit utilization can steadily increase your score.
  • 📉 Avoid Maxing Out: Consistently using 80–100% of your limit reduces your credit profile health.
  • 📞 Request Limit Enhancement: You can call 1800-180-1290 or use the SBI Card app to request a higher limit.

Pro Tip: SBI periodically reviews eligible cardholders for auto-limit enhancement offers. Accepting these can improve your credit profile and increase your purchasing power without a new inquiry.

🔎 Sources: SBI Card – Credit Limit FAQsSBI Card Contact & Support

📞 SBI SimplyCLICK Credit Card Customer Care – 24×7 Assistance & Support

Have a question about your SBI SimplyCLICK Credit Card? Whether it’s about reward points, milestone vouchers, cashback tracking, or you need to report a lost or stolen card, SBI Card’s customer care team is available 24×7 to help you through multiple support channels.

📲 SBI Card Helpline Numbers

  • 📞 24×7 Toll-Free: 1800 180 1290 (from BSNL/MTNL lines)
  • 📞 Alternate Toll-Free: 1860 180 1290 (from all phone lines, local charges may apply)
  • 📞 For International Users: +91-22-6171-5411 (standard international rates apply)

📧 Email Support

📱 SBI Card App & Online Portal

  • 📲 Track Rewards & Cashback: View earned reward points and redeemed vouchers in real-time.
  • 💳 Manage Card Settings: Set usage limits, block/unblock card, activate international usage.
  • 🔐 Security Controls: Instantly change PIN, enable/disable contactless transactions, and set alerts.

🛠️ Common Services Offered via SBI Support

  • ✅ Report lost or stolen card and request emergency blocking
  • ✅ Raise disputes for failed transactions or unauthorized charges
  • ✅ Inquire about credit limit enhancements or auto-limit upgrades
  • ✅ Redeem reward points and claim milestone vouchers
  • ✅ Update your mobile number, email, or billing address

🏢 Visit Your Nearest SBI Branch

Prefer in-person assistance? You can visit the nearest State Bank of India branch for help with card applications, KYC updates, limit upgrades, or physical document submissions. Use the branch locator to find one near you.

💡 Pro Tip: Keep your registered mobile number and the last four digits of your credit card handy to verify your identity quickly when contacting SBI customer support.

🔎 Sources: SBI Card – Contact UsSBI Customer Care FAQBankBazaar SBI Customer Care

🧑‍💼 My Honest Experience Using the SBI SimplyCLICK Credit Card

As someone who regularly shops online and was looking for a reliable, entry-level credit card with solid rewards, I chose the SBI SimplyCLICK Credit Card. After 6+ months of usage, here’s a transparent review of my personal experience — including the perks, what I liked, and where the card could improve.

✅ Fast Approval & Welcome Benefit

I applied directly via the SBI Card website. The online application was simple — I entered my basic details, uploaded Aadhaar and PAN, and submitted my last 2 salary slips. I was approved within 3 days and received an ₹500 Amazon e-Gift Voucher as a welcome gift.

🎯 Rewarding for Online Spends

The main reason I chose this card was its strong value proposition for online transactions:

  • 10X reward points on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and more
  • 5X reward points on all other online purchases
  • ✅ Annual milestone vouchers worth ₹2,000 on ₹1L and ₹2L annual spends

This is perfect for anyone spending on shopping, travel bookings, or food delivery via partnered brands.

📵 Transactions That Don’t Earn Points

As expected, there are a few exceptions where no reward points are given:

  • ❌ Fuel transactions (although there’s a 1% surcharge waiver)
  • ❌ Utility bills, insurance premiums, and rent payments
  • ❌ Wallet reloads and EMIs

But if you’re focused on e-commerce platforms, these limitations rarely affect your rewards.

📲 Easy Card Management with SBI Card App

I found the SBI Card mobile app very intuitive:

  • Track and redeem reward points in real-time
  • Download monthly statements, set alerts, and change PIN
  • Block/unblock card or enable international usage
  • Use “Smart Pay” to set auto bill payments or EMIs

🛍️ Real Value for Beginners & Online Shoppers

What sets the SBI SimplyCLICK apart is its low entry barrier and direct value:

  • ✔ Low annual fee of ₹499 — waived on ₹1 lakh annual spends
  • ✔ Excellent reward rate on Amazon, Cleartrip, and Netmeds
  • ✔ Annual e-vouchers (milestone benefits) make it even more rewarding

💬 Final Verdict

If you’re new to credit cards or mostly spend online, the SBI SimplyCLICK Credit Card is an excellent starter option. It’s ideal for salaried professionals, freelancers, and students who want to earn consistent rewards and milestone vouchers.

Note: While not a premium card, its focus on e-commerce makes it extremely practical and easy to maintain — especially if you pay bills in full and hit the waiver threshold each year.

To learn more or apply online, visit the SBI SimplyCLICK Credit Card official page.

💳 Looking for Easy Online Shopping Rewards?

Enjoy accelerated rewards, milestone vouchers, and contactless convenience with the SBI SimplyCLICK Credit Card.

✔ 10X Reward Points on Amazon, BookMyShow & More
✔ ₹500 Amazon Welcome Voucher
✔ ₹2,000 in Annual Milestone E-Vouchers

Apply Now – SBI SimplyCLICK Credit Card

🔁 Best Alternatives to SBI SimplyCLICK Credit Card in 2025

The SBI SimplyCLICK Credit Card is ideal for online shoppers, but it may not be the best fit for everyone — especially if you want higher flat cashback, better travel benefits, or lifetime free credit cards. Here are 6 top alternatives that deliver excellent value on spending, without compromise:

💳 Credit Card Best For Reward/Cashback Structure Annual Fee
🟧 Axis Bank ACE Credit Card
Best for Flat Cashback
UPI spends, utilities, food delivery 5% via Google Pay, 4% on partners, 1.5% others ₹499 (waived on ₹2L spend)
🟩 Amazon Pay ICICI Credit Card
Best Lifetime Free Card
Amazon, Swiggy, Flipkart, recharge 5% (Prime), 3% (Amazon), 1% others ₹0 (Lifetime Free)
🟨 HDFC Millennia Credit Card
Best for Cashback + Travel
Amazon, Flipkart, Swiggy, Uber 5% on partners, 1% others, lounge access ₹1,000 (waived on ₹1L spend)
🟪 IDFC FIRST Classic Credit Card
Lifetime Free + Offline Rewards
Retail spends, EMI, fuel waiver 3X–10X points, 0.75–1.5% return ₹0 (Lifetime Free)
🟥 OneCard Credit Card
Best for Gen Z/Mobile-First
UPI, mobile interface, flexibility Up to 5X points on top 2 categories ₹0 (Lifetime Free)
🟦 AU Bank LIT Credit Card
Modular Features
Custom cashback, lounge access, OTTs Choose from 5% cashback / 10X rewards ₹0 (Lifetime Free) + feature-based fees

💡 Expert Insight: If your focus is on flat cashback and simplicity, cards like Axis ACE and Amazon Pay ICICI offer better consistency than SBI SimplyCLICK. For travel + shopping value, HDFC Millennia wins. And if you want lifetime free benefits without milestones, IDFC FIRST Classic and OneCard are excellent options.

🤔 Is the SBI SimplyCLICK Credit Card Right for You? Maybe Not If…

The SBI SimplyCLICK Credit Card is a great fit for digital shoppers looking to earn reward points on online purchases, especially on partner sites like Amazon and Cleartrip. But despite its popularity, it may not suit everyone. Here’s when you might want to look at alternatives:

  • Offline Shopper? If your spending is mostly at physical stores or petrol pumps, this card offers minimal benefits — just 1 Reward Point per ₹100, which converts to only ₹0.25.
  • No Instant Cashback: Unlike cards such as Amazon Pay ICICI or Axis ACE, SimplyCLICK offers rewards as points — not instant cashback. This may not appeal to users who prefer real-time value.
  • Limited Partner Coverage: 10X reward points are only valid on select merchants. Spends on platforms outside the partner list earn just 1X or 5X — which may feel restrictive.
  • Not Lifetime Free: Though affordable, the card has an annual fee of ₹499, waived only if you spend ₹1L per year. If you’re not a frequent spender, that waiver might be hard to hit.
  • No Lounge Access or Travel Perks: This card is strictly built for online shopping rewards. If you want airport lounge access, concierge services, or international travel perks, this isn’t the right pick.
  • No Cashback on Essentials: There are no rewards on fuel, rent payments, wallet loads, or insurance premiums — which are common spend areas for many users.

📌 Use Case Mismatch: If you’re looking for a cashback credit card for everyday use, especially with UPI, groceries, dining, or fuel, consider options like Axis ACE, HDFC Millennia, or Amazon Pay ICICI instead.

💡 Tip: SBI SimplyCLICK is best suited for those who frequently shop online on specific partner websites and are okay with accumulating and redeeming points later. If you want real-time cashback or broader utility, look into cards with flat cashback models.

🏆 Editor’s Choice: SBI SimplyCLICK Credit Card – Best for Online Shopping Rewards

The SBI SimplyCLICK Credit Card is one of the most rewarding credit cards in India for online shoppers. With 10X reward points on top e-commerce brands like Amazon, Cleartrip, and BookMyShow, this card is designed for digital-first consumers who want value, simplicity, and milestone benefits in one place. It’s a great fit for first-time cardholders, salaried professionals, and frequent online buyers.

  • ✅ 10X Reward Points on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds & more
  • ✅ 5X Reward Points on all other online spends (non-partner e-commerce platforms)
  • 🎁 Milestone Benefits: Earn ₹2,000 worth of e-vouchers on ₹1L & ₹2L annual online spends
  • 💳 Affordable Fee: ₹499 annual fee — waived on ₹1 lakh annual spends
  • 🛡️ 1% Fuel Surcharge Waiver: Valid on fuel transactions between ₹500 and ₹3,000
  • 💡 Welcome Gift: ₹500 Amazon e-Gift Voucher on activation

Why Choose This Card:

  • Tailor-made for online shoppers who use Amazon, Netmeds, and BookMyShow regularly
  • Simple reward system – earn points automatically on eligible spends, no feature activation required
  • Perfect for users who prefer rewards over instant cashback, with the ability to redeem for vouchers, merchandise, and more
  • Track rewards and manage your card easily through the SBI Card App or website
  • ✅ Also check our Amazon Pay ICICI Card Review for a zero-maintenance cashback option

🏁 Verdict: The SBI SimplyCLICK Credit Card is one of the best entry-level credit cards for online shoppers in India. If your monthly spends revolve around Amazon, Flipkart, food delivery, or online services — and you want a card that rewards loyalty without complicated features — SimplyCLICK is a no-brainer in 2025.

⚔️ SBI SimplyCLICK vs Best Online Cashback & Reward Credit Cards in India (2025)

The SBI SimplyCLICK Credit Card is one of India’s top picks for online shopping rewards, especially if you shop frequently on Amazon, Cleartrip, or BookMyShow. But how does it compare to popular alternatives like Axis ACE, Amazon Pay ICICI, and OneCard? Here’s a side-by-side breakdown to help you decide:

Feature SBI SimplyCLICK Axis ACE Amazon Pay ICICI OneCard
Best For Online shopping on Amazon, Cleartrip, BookMyShow Utility payments via GPay & UPI Amazon Prime users & regular Amazon shoppers UPI spenders, digital-first users
Top Rewards 10X on partner brands, 5X on other online spends 5% on GPay bills, 4% on select merchants 5% on Amazon (Prime), 3% (non-Prime) Up to 5X points on top 2 monthly spend categories
Other Rewards 1X point on offline and non-partner online spends 1.5% on other spends 1% flat on everything else 1X on all remaining spends
Annual Fee ₹499 (waived on ₹1L annual spend) ₹499 (waived on ₹2L spend) ₹0 (Lifetime Free) ₹0 (Lifetime Free)
Lounge Access Not available 4 complimentary visits/year Not available Not available
UPI Support Not yet (expected in future RuPay variant) Yes (via Google Pay for Android) No Yes – fully integrated UPI card
Redemption Redeem via SBI Rewards for vouchers, gifts Auto cashback to monthly statement Direct cashback to Amazon Pay balance Via OneCard app – redeem or convert to EMI
Standout Feature High rewards on partner brands + milestone vouchers Best flat cashback card for utility spenders Zero maintenance with Amazon loyalty benefits Smart UI + UPI card with lifetime free structure

🧾 Summary Verdict:

  • SBI SimplyCLICK: Perfect for users who shop online regularly and want to maximize reward points from Amazon, Cleartrip, and more.
  • Axis ACE: Great for cashback on bills and food delivery without tracking points.
  • Amazon Pay ICICI: Top choice for Amazon loyalists who want auto cashback with zero fees.
  • OneCard: Ideal for tech-savvy users who want UPI-enabled, app-first credit card experience.

✅ Our Take: If you’re a frequent online buyer looking for milestone bonuses, fast reward points, and trusted bank support — the SBI SimplyCLICK Credit Card is one of the smartest online shopping cards in India for 2025.

🎯 Is the SBI SimplyCLICK Credit Card Worth It?

The SBI SimplyCLICK Credit Card is one of the most popular entry-level credit cards in India, specifically designed for frequent online shoppers. Whether you’re ordering from Amazon, booking movie tickets on BookMyShow, or purchasing medicines on Netmeds — this card rewards you with accelerated reward points across major partner platforms.

What makes it stand out is its **straightforward rewards structure**. You earn:
10X reward points on select online brands,
5X on other online spends, and a welcome bonus of a ₹500 Amazon voucher.
Plus, you get ₹2,000 worth of milestone vouchers annually on hitting spend targets — making it one of the best SBI credit cards for online purchases.

The card charges an affordable fee of ₹499/year, which is **waived on annual spends of ₹1 lakh** — making it a near-zero-maintenance card for regular users. With app-based tracking, secure contactless payments, and reward redemption via SBI’s platform, it suits first-time cardholders, salaried users, and digital-savvy shoppers.

💸 Annual Fee: ₹499 (waived on ₹1L spend)
🛍️ Best For: Online shoppers who want accelerated rewards, milestone benefits, and low maintenance

❓ Frequently Asked Questions – SBI SimplyCLICK Credit Card

💡 What is the SBI SimplyCLICK Credit Card?

The SBI SimplyCLICK Credit Card is a popular rewards card designed for online shoppers. It offers 10X reward points on partner websites like Amazon, BookMyShow, Cleartrip, Netmeds, and more — and 5X on other online purchases. It also includes milestone benefits and a ₹500 Amazon welcome voucher.

🎯 Is the SBI SimplyCLICK Credit Card good?

Yes, it’s one of the best entry-level credit cards for users who frequently shop online. Its strong reward rate on partner sites and low annual fee make it a value-packed option for e-commerce spenders.

💰 What is the annual fee for SBI SimplyCLICK Credit Card?

The card charges ₹499 per year, but the fee is waived on spending ₹1,00,000 or more annually.

🎁 What is the welcome gift of SBI SimplyCLICK Credit Card?

New users receive a ₹500 Amazon e-Gift Voucher as a welcome bonus after the first transaction.

📈 What is the credit limit for SBI SimplyCLICK Credit Card?

Credit limits typically range from ₹20,000 to ₹2,00,000+ based on your income, credit profile, and SBI’s internal eligibility checks.

📉 What is the lowest credit limit SBI may offer?

SBI may offer starting limits as low as ₹10,000 for new-to-credit users, but higher limits are provided to salaried or high-income applicants with strong credit scores.

📊 How can I check my SBI credit card limit?

You can check your available limit using the SBI Card mobile app, website dashboard, or by sending an SMS — “BAL” to 5676791 from your registered number.

🔼 How to increase the credit limit of SBI SimplyCLICK Credit Card?

Maintain timely repayments and consistent card usage. SBI may offer auto-limit enhancements or you can manually request a review by submitting income proof through the SBI Card app.

📊 What is the value of 1 reward point on SBI SimplyCLICK?

1 reward point = ₹0.25. You can redeem points for e-vouchers, merchandise, or discounts via the SBI Rewards portal.

🔟 What are 10X reward points and how do they work?

You earn 10X reward points on spends made at SBI’s online partner merchants like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and more.

🤝 Who are the partner brands of SBI SimplyCLICK Credit Card?

As of 2025, the 10X partners include: Amazon.in, BookMyShow, Netmeds, Lenskart, UrbanClap, Cleartrip, and Apollo 24×7.

🚫 Does SBI SimplyCLICK offer airport lounge access?

No, the SimplyCLICK Credit Card does not come with complimentary domestic or international airport lounge access.

💳 Can I withdraw cash from the SBI SimplyCLICK Credit Card?

Yes, but it’s not recommended unless urgent. The cash advance fee is 2.5% of the amount or ₹500 (whichever is higher), plus daily interest from Day 1.

🏧 What is the ATM fee for cash withdrawal?

SBI charges ₹500 or 2.5% per cash transaction — whichever is higher — plus 3.5% monthly interest until full repayment.

📅 How is SBI credit card interest calculated?

The interest is calculated daily on the outstanding amount. SBI charges up to 3.5% per month (42% APR) if dues are unpaid.

📤 How do I pay my SBI SimplyCLICK credit card bill?

You can pay using:

  • SBI Card mobile app or website (NetBanking, UPI, NEFT)
  • Auto-debit setup from SBI or any bank account
  • Third-party apps like CRED, Paytm, PhonePe

📆 Do SBI SimplyCLICK reward points expire?

Yes, SBI reward points are valid for 2 years (24 months) from the date of accrual.

👤 Who is eligible for the SBI SimplyCLICK Credit Card?

Indian residents aged 21 to 60 years (salaried) or up to 65 years (self-employed) with a regular income and a minimum CIBIL score of 700+.

⚖️ Is SBI SimplyCLICK better than SBI SimplySAVE?

If you spend mostly online, SimplyCLICK is the better choice. If your spending is mostly offline or at groceries and department stores, go with SimplySAVE.

🎯 Which SBI Card is best for cashback and rewards?

SBI SimplyCLICK is best for e-commerce users, while SBI Cashback Card is better for flat 5% cashback across online transactions (non-wallet).

🆓 Is SBI SimplyCLICK Credit Card lifetime free?

No, it’s not lifetime free. The ₹499 annual fee is waived if you spend ₹1 lakh or more in the previous year.

🛑 How to close SBI SimplyCLICK Credit Card?

Call SBI Card customer care at 1860-180-1290 or send a closure request to customercare@sbicard.com. Clear all dues before requesting closure.

🆕 How to use SBI SimplyCLICK Credit Card for the first time?

Activate your card via SBI Card app or website. Set your PIN and start transacting — ideally online — to maximize rewards.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025

💭 Final Verdict – Is SBI SimplyCLICK Credit Card Worth It in 2025?

If you’re looking for a reward-focused credit card for online shopping with a simple structure, strong partner network, and milestone bonuses — the SBI SimplyCLICK Credit Card is an excellent entry-level choice. It combines value, ease of use, and a proven rewards system built for India’s growing digital shoppers.

  • ✔️ Best Suited For: E-commerce users, Amazon shoppers, and salaried professionals looking to earn accelerated reward points on digital platforms
  • ⚠️ Not Ideal For: Users who want airport lounge access, lifetime free cards, or universal flat cashback without brand-based limitations

SBI SimplyCLICK gives you 10X reward points on Amazon, BookMyShow, and other online partners, and 5X on other e-commerce purchases. It also offers ₹2,000 in annual milestone vouchers and a ₹500 Amazon welcome gift — all at an affordable annual fee of ₹499 (waived on ₹1L yearly spend). With easy reward redemption and SBI’s trusted support, it’s one of the most accessible and high-value credit cards in 2025.

✅ Bottom Line: The SBI SimplyCLICK Credit Card is perfect for those who shop online often and want maximum reward points without complex fee structures. If your spending habits align with online retail, entertainment, and travel bookings — this card offers unmatched value in the mid-segment category.

Tausif Shaikh

Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.

Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.

Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.

Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.

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