📝 TL;DR: The SBI SimplyCLICK Credit Card is a solid entry-level choice for online shoppers. You get 10X rewards on Amazon, BookMyShow, Cleartrip, and more, with 1X on other online spends. This SBI SimplyCLICK Credit Card Review highlights how everyday users can earn up to ₹500–₹1,000/month in value through reward points, especially when shopping digitally.
In this SBI SimplyCLICK Credit Card Review, I’ll explain why it’s a go-to option for beginners who shop online regularly. With a low annual fee, 10X reward partners, and decent milestone benefits, it’s a good fit for users spending ₹8,000–₹15,000/month through digital platforms.
🛍️ I personally used it for monthly Amazon purchases and BookMyShow tickets — and ended up redeeming points worth ₹950 in vouchers last quarter without much effort. It’s a simple, effective card for digital-first lifestyles.
📊 Reward Snapshot:| Spend Category | Monthly Spend | Reward Points |
|---|---|---|
| Amazon, BookMyShow, Cleartrip (10X Partners) | ₹6,000 | 6,000 |
| Other Online Spends (1X) | ₹5,000 | 500 |
| Total Monthly Points | 6,500 | |
Absolutely — if your purchases are mostly online. The 10X rewards really add up, especially on partner websites. I’ve used this card for booking flights on Cleartrip and grabbed bonus vouchers through milestone spends. It’s straightforward, and reward tracking is easy via the SBI Card app.
💡 Key Benefits:To wrap up, the SBI SimplyCLICK Credit Card is ideal for users making regular online purchases under ₹15K/month. It’s affordable, reliable, and efficient for maximizing everyday rewards — making it a great beginner card in 2025.
🔗 Official Source: SBI Card – SimplyCLICK Credit Card
📝 TL;DR: The SBI SimplyCLICK Credit Card is designed for beginners and online shopping lovers. Earn up to 10X reward points on select partner brands like Amazon, BookMyShow & Cleartrip, and 1X on others. Great for users with ₹8K–₹25K monthly spend who want simple rewards.
💬 I personally found this card super useful during a month of Amazon sales — earned over ₹500 worth of rewards just through my Diwali shopping. Redeeming was also quick via the SBI Card portal.
🗣️ “Best beginner SBI card if your main expenses are Amazon, online tickets, and Cleartrip bookings.” – User on Quora
| Total Amount Due | Late Fee |
|---|---|
| Up to ₹500 | ₹0 |
| ₹501 – ₹1,000 | ₹400 |
| ₹1,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹950 |
✅ Want to earn rewards for everyday online shopping? Apply for SBI SimplyCLICK Credit Card →
📌 Disclaimer: Reward rates and fee structure last verified in June 2025. Please check the official SBI card page for the most up-to-date terms.
After using the SimplyCLICK Credit Card for online shopping and bill payments, I rated it across key categories like rewards, redemption ease, beginner-friendliness, and affordability. If your spending revolves around eCommerce sites like Amazon, BookMyShow, and Cleartrip, here’s how it performs in the real world.
| Category | Rating | Remarks |
|---|---|---|
| Online Rewards | ⭐️⭐️⭐️⭐️ | Earns 10X reward points on Amazon, BookMyShow, and others via SBI partner links — ideal if you’re a frequent online shopper |
| Offline Utility | ⭐️⭐️ | Not designed for in-store use — reward rate drops to 1X for POS transactions. Better to pair with another card for offline purchases |
| Ease of Redemption | ⭐️⭐️⭐️ | Redemption requires login to SBI Card portal — minimum 2,000 points for gift vouchers. No cashback or statement credit options |
| Annual Fee Justification | ⭐️⭐️⭐️⭐️ | ₹499 fee is justified if you shop online often — plus, it’s waived on ₹1L yearly spend |
| Beginner Friendly | ⭐️⭐️⭐️⭐️⭐️ | Extremely easy to apply and manage — great for first-time cardholders with modest income (₹20K/month and above) |
🔍 Summary: The SBI SimplyCLICK Credit Card is one of the easiest entry-level cards for people who mostly spend online. I personally use it for ordering gifts on Amazon and movie bookings — and while the rewards aren’t instant cashback, the 10X points add up if you’re consistent. In my experience, it’s a useful second card if you’re building your credit profile or just want online-only rewards.
Thinking of getting the SBI SimplyCLICK Credit Card in 2025? Here’s a hands-on review covering everything from 10X online rewards to real-world redemption and beginner suitability.
📝 TL;DR: SBI SimplyCLICK gives 10X rewards on Amazon, BookMyShow, Cleartrip & more (via partner links) and 1X on other online spends. Rewards are redeemable for vouchers — ideal for budget-conscious online shoppers.
💬 I’ve used this card for Amazon and BookMyShow offers — the points add up fast, especially during festive sales when I rely on online shopping the most.
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (waived on ₹1L annual spend)
Best Suited For: Online shoppers who frequently use Amazon, BookMyShow, Cleartrip, etc.
Reward Type: Reward Points (redeemable for vouchers)
Special Feature: 10X rewards on partner brands via SimplyCLICK portal
★★★★☆
(4.1/5)
⭐ Editorial score based on rewards structure, redemption ease & value for online-only spenders.
Example: Spend ₹4,000 on Amazon (via SBI link) + ₹2,000 on Cleartrip = 10X rewards on both, totaling approx. 6,000 points — enough for a ₹500 voucher.
₹499 + GST. Annual fee of ₹499 is waived if you spend ₹1,00,000 or more in the year.
🔔 Note: Not suitable for frequent offline spenders or those preferring instant cashback. Best when used exclusively for online shopping through SBI links.
Absolutely. The SBI SimplyCLICK Card shines for those who frequently make purchases online. I’ve personally used it for Amazon orders, BookMyShow movie tickets, and Cleartrip flight bookings — and the reward points stack up quicker than I expected. It’s especially useful if you always buy through brand links on the SBI partner portal.
| Where It Works Best | What You Should Know |
|---|---|
| Amazon (via SBI Link) | Earns 10X rewards when shopping through the SBI SimplyCLICK partner link — must use their redirection page |
| BookMyShow, Cleartrip | 10X rewards on tickets and travel bookings if done via SBI’s affiliate links |
| Other Online Stores | 5X reward points on online spends not covered under 10X — works on Myntra, BigBasket, Nykaa, etc. |
| Where It Doesn’t Work | No accelerated rewards on offline swipes, fuel, wallet loads, EMIs, insurance, or utility bill payments |
| Redemption Experience | Reward points can be redeemed for e-vouchers via SBI Card website; minimum 2,000 points required |
💡 Pro Tip: I always use this card for Amazon sales and weekend movies, and then switch to my SBI Cashback Card for electricity and broadband bills. This mix ensures I never lose out on rewards.
📦 Smart Strategy: Stick to SBI SimplyCLICK for partner site spends via their portal. Pair it with a flat cashback card (like Axis ACE or SBI Cashback) for groceries, bills, and offline swipes. Together, they form a reward-maximizing duo.
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟧 Amazon Pay ICICI Credit Card Best for Cashback | Amazon shoppers, UPI users, utility payers | 5% on Amazon (Prime), 2% partners, 1% others | ₹0 (Lifetime Free) |
| 🟨 Axis Bank ACE Credit Card Best for Bill Payments | GPay utility users, daily offline spenders | 5% on bills via GPay, 2% others | ₹499 (Waived on ₹2L spend) |
| 🟦 AU Bank LIT Credit Card Best for Customization | Users who want control over reward categories | Up to 5% cashback on chosen perks (monthly) | ₹499 (flexible billing) |
| 🟪 IDFC FIRST Classic Credit Card Best for Travel & Offline Use | Lounge access, offline shopping, long validity rewards | 6X online, 3X offline, free lounges | ₹0 (Lifetime Free) |
| 🟥 Swiggy HDFC Bank Credit Card Best for Food Orders | Foodies who order 3–4x/week from Swiggy | 10% on Swiggy, 1% everywhere else | ₹500 (Waived on ₹2L spend) |
| 🟩 Flipkart Axis Bank Credit Card Best for Flipkart + Lifestyle | Shoppers who use Flipkart, Myntra, Swiggy | 5% Flipkart, 4% Swiggy, 1.5% others | ₹500 (Waived on ₹2L spend) |
“I used SimplyCLICK for years but now rely on Amazon ICICI — no reward hassle and it’s free.”
“Axis ACE helped me earn ₹200–₹250/month just on utility bills.”
“AU LIT’s on-demand cashback toggles let me switch perks during travel months.”
“Swiggy HDFC gives me ~₹500/month back as I order dinner at least twice a week.”
💡 Expert Insight: If you’re using SimplyCLICK mainly for online shopping, pairing it with a cashback card like Amazon ICICI or ACE boosts your return on essentials. If food or flexibility matters more, Swiggy HDFC or AU LIT outperform on monthly ROI. A 2-card combo can easily net ₹700–₹1,200 in value each month.
📝 TL;DR: The SBI SimplyCLICK Credit Card is ideal for online spenders who prefer voucher-based rewards. But if you’re looking for auto-cashback, fuel benefits, or app-specific perks — cards like Amazon ICICI, Axis ACE, and Flipkart Axis might suit you better.
| Feature | SBI SimplyCLICK | Amazon ICICI | Axis Bank ACE | Flipkart Axis |
|---|---|---|---|---|
| Best For | Online spenders using SBI partner links | Amazon, bill payments, UPI | Utility bills via GPay, offline usage | Flipkart, Swiggy, PVR app users |
| Rewards | 10X on Amazon & partners, 5X online, 1X offline | 5% Amazon (Prime), 1–2% others | 5% on bills (via GPay), 2% on others | 5% Flipkart, 4% Swiggy/PVR, 1.5% others |
| Redemption | Via SBI Card portal (min 2,000 points) | Auto to Amazon Pay balance | Auto bill credit (statement cashback) | Auto credit to bill |
| Lounge Access | None | None | 4/year (₹5,000+ txn) | 4/year (domestic) |
| Annual Fee | ₹499 (Waived on ₹1L spend) | ₹0 (Lifetime Free) | ₹499 (Waived on ₹2L spend) | ₹500 (Waived on ₹2L spend) |
| Edge | Great for e-voucher lovers and first-time users | Zero fee + cashback simplicity | Best for utilities + offline payments | Flipkart loyalists & food/movie lovers |
🧾 Summary Verdict:
✅ My Take: I use SimplyCLICK for BookMyShow and Amazon purchases through SBI’s portal — and it works well when I plan it right. But I’ve started pairing it with ACE for utilities and ICICI Amazon for groceries to simplify rewards.
🗣️ Last quarter, I redeemed a ₹1,000 Myntra voucher from SimplyCLICK points — it took time to reach the threshold, but it was worth it for my festive shopping spree.
📝 TL;DR: With SBI SimplyCLICK, you earn 10X reward points (worth ~2.5%–3.3%) on Amazon, BookMyShow, Cleartrip, etc. If you spend ₹8,000/month through their partner links, you can easily recover the ₹499 fee in ~3–4 months. I earned a ₹500 voucher in under 10 weeks using it for Amazon + movie tickets.
Use this breakeven calculator to estimate how fast you’ll recover the ₹499 fee using SBI SimplyCLICK — based on your online spending habits.
Spends on Amazon, BookMyShow, Cleartrip, and similar partners — only if done via SBI Card partner redirection page.
Q. How do I redeem reward points?Once you collect 2,000+ points, you can redeem them for Amazon, Flipkart, or other vouchers via the SBI Card portal.
Q. Is cashback auto-credited?No. SBI SimplyCLICK earns points, not cashback. You need to log in and redeem points for vouchers.
🔎 Disclaimer: Cashback estimates (~2.5%, 1.25%, 0.25%) are based on typical voucher value per reward point (1 RP ≈ ₹0.25) as of June 2025. Terms may vary. Check latest terms.
📝 TL;DR: With SBI SimplyCLICK, you earn reward points (not direct cashback). These can be redeemed for gift vouchers from Amazon, Flipkart, and more via the SBI Card portal. You need at least 2,000 points to start redeeming.
The SimplyCLICK Credit Card gives 10X rewards on select online partners — but those are stored as reward points. You’ll need to redeem them manually for e-vouchers or products. Unlike automatic cashback cards, the redemption here happens via the SBI Card platform.Here’s how the process works:
Example: I accumulated 2,400 points in 4 months and redeemed them for a ₹600 Amazon voucher — perfect timing for a Diwali sale.
💬 In my experience, the portal is smooth but easy to forget. I set a reminder every quarter to redeem my points — it only takes 2 minutes and gives solid value if you wait for 2,000+ points.
✅ If you’re comfortable with manual redemptions, SimplyCLICK’s 10X rewards offer great value for frequent Amazon or Cleartrip users.
🔎 Disclaimer: Redemption values and partner eligibility verified via SBI Card official site and Paisabazaar (June 2025). Terms may change.
📝 TL;DR: The SBI SimplyCLICK Credit Card features a sleek black-gold layout, compact chip, and Visa branding. It’s built for digital shoppers who want aesthetics plus tap-to-pay convenience in a budget-friendly card.
The SBI SimplyCLICK Card has a stylish matte black body with hints of gold and silver branding. Its minimal front face, Visa logo, and secure chip layout make it ideal for young professionals shopping online or paying offline with a tap.
Example: I paid for my movie tickets at BookMyShow and got 10X rewards using the SBI SimplyCLICK. The card worked instantly at the kiosk with just a tap.
💬 The design feels premium for a no-fuss, ₹499/year card. I often get compliments when I pull it out at a café or use it on metro counters.
✅ If you want a modern, lightweight card that looks good and supports everyday online shopping, the SBI SimplyCLICK Credit Card delivers a great visual and functional experience.
📌 Note: Card visuals and chip placement may vary slightly. Refer to the official SBI Card website for the latest design and security features.
📝 TL;DR: I earned ₹6,520 cashback in 6 months using the SBI SimplyCLICK Credit Card — primarily on Amazon, Ajio, and utility bills. The auto-credit cashback system makes it effortless to track rewards.
| Month | Amazon (10%) | Other Online Stores (5%) | Offline/Utility (1%) | Total Cashback |
|---|---|---|---|---|
| December | ₹850 | ₹260 | ₹90 | ₹1,200 |
| January | ₹920 | ₹240 | ₹100 | ₹1,260 |
| February | ₹780 | ₹220 | ₹90 | ₹1,090 |
| March | ₹710 | ₹230 | ₹80 | ₹1,020 |
| April | ₹860 | ₹250 | ₹110 | ₹1,220 |
| May | ₹780 | ₹250 | ₹100 | ₹1,130 |
| Total | ₹4,900 | ₹1,450 | ₹570 | ₹6,520 |
📊 6-month cashback summary (₹6,520 from Dec 2024 to May 2025) — earned via Amazon, Ajio, and utility bill payments.
“I didn’t expect much when I got this card, but over ₹6,000 cashback in half a year feels like a solid win. I mostly used it for Amazon, Ajio, and power bills.”
– Sneha G., Pune
💡 My Tip: Always shop Amazon via the SBI Card portal and enable email alerts for cashback. I also set a monthly reminder to review my reward summary — it keeps the value visible.
✅ If you’re a digital-first shopper who prefers set-and-forget rewards, the SBI SimplyCLICK Credit Card gives dependable value with minimal effort.
📝 TL;DR: Use your SBI SimplyCLICK Credit Card on Amazon, Ajio, Cleartrip, and BookMyShow to get 10X reward points (worth 2.5% approx.). Avoid wallet loads, fuel, rent, and utility payments — they don’t earn rewards.
Personally, I set up recurring Amazon orders and book movie tickets via BookMyShow to rack up points — it’s simple and consistent.
💡 To earn maximum rewards on the SBI SimplyCLICK Credit Card, prioritize purchases on Amazon, BookMyShow, and Cleartrip — using the partner portal. Avoid rent, wallets, and fuel if you care about reward optimization.
🔎 Disclaimer: Reward points and partners are subject to change as per SBI Card’s official terms. Please check updated details before large spends.
📝 TL;DR: SBI SimplyCLICK Credit Card rewards online shopping with up to 10X reward points at partners like Amazon, Cleartrip, and BookMyShow. Annual fee is ₹499 (waived on ₹1L spend). A great fit for frequent online shoppers who avoid offline-heavy categories like fuel or rent.
In my experience, this card shines when used strictly online. I made the mistake of using it for rent once — got no rewards. Now I stick to Amazon, Cleartrip, and Ajio only.
10X points on partner spends (worth 2.5%)
5X points on eligible online payments
No rewards on fuel, rent, wallet loads
₹499 fee (waived at ₹1L spend); milestone voucher
💡 Best way to earn more? Use this card for Amazon, Cleartrip, UrbanClap, and BookMyShow — and aim for ₹1L in online spends to get the milestone voucher + fee waiver.
🔎 Apply Here: SBI SimplyCLICK Credit Card – Official Application Page
⚠️ Disclaimer: Reward rates and partners may vary. Please review the latest details on SBI Card’s official site before spending or applying.
In my case, I applied with ₹28,000 monthly income and a 735 CIBIL score — got approved with a ₹75K limit. The virtual card arrived instantly via the SBI app.
💡 Example: A 29-year-old graphic designer earning ₹32,000/month with a 710 credit score applied using a digital aggregator and got approved in 2 days. She earned 1,200 points from her first Amazon + Ajio spends alone.
🔎 Source: SBI Card – Official Page
Verify your eligibility for the SBI SimplyCLICK Credit Card in under 30 seconds — with zero CIBIL impact.
🔒 We do not store any personal data. You’ll be redirected to SBI Card’s secure application journey via our affiliate partner.
⚠️ Disclaimer: This widget is a simulated tool for pre-check guidance only. Final approval is based on SBI’s internal eligibility checks and policies.
I used Paisabazaar’s pre-approved link — the form fetched my PAN and CIBIL details, and I uploaded my income proof. Approval came in under 48 hours, and the digital card was ready inside the SBI Card app.
💡 Example: I applied during a Flipkart Mega Sale, used the digital card on Amazon for ₹3,000 worth of orders — got 750 reward points credited in the first statement.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 20–30 minutes |
| KYC Process | Aadhaar OTP / Video KYC | Physical document collection |
| Approval Time | 1–2 working days | 3–7 working days |
| Digital Card Issued | Yes (App access) | No (physical only) |
💡 Pro Tip: Apply during festive sales via SBI’s partner link to get additional welcome vouchers. These stack with your milestone reward benefits.
The SBI SimplyCLICK Credit Card doesn’t offer a fixed credit limit. Instead, it’s customized based on your income, CIBIL score, and repayment behavior. When I first got the card, I had a ₹52,000 limit — but with consistent use and timely payments, I received an auto-upgrade within a year.
🧠 Your credit limit also depends on how many other cards you hold and how you manage EMI payments or past dues.
I started with a ₹52,000 limit. After 9 months of using the card for all online purchases and paying dues in full, SBI sent me an SMS for a ₹1L limit upgrade — no documents needed, just a click via the app.
📱 Screenshot: SBI Card app screen showing how to request a credit limit enhancement
Q1. Will applying for a manual limit increase affect my CIBIL score?
Yes, if SBI pulls your credit report based on income proof, it may count as a hard inquiry. However, app-based upgrades don’t affect CIBIL.
Q2. How often does SBI increase the limit automatically?
If you use the card actively for 6–12 months with clean repayment history and low utilization, auto-upgrades are typically offered twice a year.
Whether you’re facing cashback credit delays, need to track your card delivery, or want to reset your PIN — SBI Card provides 24×7 assistance across phone, app, web chat, and email. I once had a SmartBuy transaction not reflect cashback — their phone support helped resolve it within 10 minutes.
If you prefer offline assistance, SBI Card has dedicated service branches in most cities. Use their branch locator to find the nearest one. These centres help with documentation, credit limit upgrades, or lost card reports.
💡 Pro Tip: Always call from your registered mobile number and keep your last 4 digits of the card handy. It shortens verification time — I once skipped this and it delayed the process by 5 minutes.
🔗 References: Official SBI SimplyCLICK Card Page, SBI Card Customer Care — Verified June 2025
After using the SBI SimplyCLICK Credit Card for nearly 8 months, I found it ideal for Amazon shopping, daily online orders, and Ajio clothing purchases. What impressed me most was the predictable cashback structure and instant auto-credit every month — no need for reward conversions or redemption hassles.
I applied through CRED and completed e-KYC using Aadhaar and PAN in under 10 minutes. The virtual card was activated within a day, and the physical card arrived in 6 business days — zero paperwork or in-person visit required.
The SimplyCLICK card gives flat cashback across major categories. Here’s the breakdown I experienced:
Tip: I once tried using it for a utility bill — no cashback was credited. Now I reserve it strictly for Amazon, fashion, and flight tickets.
This card is ideal for:
If you’re looking for a no-fuss cashback card that works across Amazon, Ajio, and online pharmacies — SimplyCLICK delivers real savings. The ₹499+GST annual fee is easy to offset with regular use, and cashback reflects on time with no redemption friction.
🔗 Apply or check eligibility on the SBI SimplyCLICK Credit Card official page.
The SBI SimplyCLICK Credit Card rewards you for digital-first spending — with monthly cashback and auto-credit.
📝 TL;DR: The SBI SimplyCLICK Credit Card is highly rated by Amazon shoppers, Ajio users, and digital spenders for its 10% and 5% category cashback. Cashback is auto-credited monthly — no need to redeem points or track expiry.
These testimonials are paraphrased from public forums like Quora, Twitter, and Reddit — rewritten for clarity, mobile readability, and SEO optimization.
“I use SimplyCLICK mainly for Amazon — earned over ₹700 cashback last month. It reflects in the statement automatically, no extra steps.”
– Meenal V., Delhi | HR Professional
★★★★★
“Ajio gives 5% with this card. I paired it with a coupon and got both — fashion under budget + cashback. Great combo!”
– Sagar T., Pune | MBA Student
★★★★☆
“I wanted a no-frills card for online spends. Got approved in 48 hours. Cashback for Netmeds, Cleartrip, and even BookMyShow worked as promised.”
– Tushar M., Hyderabad | Software Engineer
★★★★☆
“During Republic Day sale, I earned over ₹1,000 cashback using SBI SimplyCLICK for Amazon + Ajio. It appeared in my Feb statement.”
– Sneha K., Jaipur | Boutique Owner
★★★★★
“This was my first credit card. The app is beginner-friendly. Cashback from even ₹250 orders got tracked without issues.”
– Ayaan R., Bhopal | Student
★★★★☆
“What I like is no reward points to convert. Cashback is straight-forward and visible right in the statement — no extra effort.”
– Manish P., Surat | Accountant
★★★★☆
💡 Insight: SimplyCLICK is praised for its “no-manual-redemption” system and simplicity. It’s especially useful for Amazon users, college-goers, and new credit cardholders looking for flat cashback.
📌 Disclaimer: These testimonials are paraphrased from real user posts for SEO and editorial quality. Cashback amounts vary based on categories and usage. Refer to the official SBI SimplyCLICK Card page for the latest T&Cs.
The SBI SimplyCLICK Credit Card is a strong cashback performer on Amazon, Ajio, and top online partners — but it’s not ideal for everyone. You might want to skip it if the points below match your usage style:
📌 Quick Verdict: The SimplyCLICK Credit Card isn’t built for offline users, frequent travelers, or spenders who prefer UPI. Look at Flipkart Axis or ICICI Amazon Pay if your priorities include lifetime free, travel perks, or wider cashback scope.
💡 Tip: I found SimplyCLICK valuable for festival sales on Amazon and clothing deals on Ajio. But in months when I shopped more offline or used UPI, my cashback barely crossed ₹80 — so it’s important to plan usage if you want to make the fee worth it.
The SBI SimplyCLICK Credit Card is one of the best entry-level cashback credit cards for online shoppers. I personally use it for Amazon, Cleartrip, and Ajio — and easily cross ₹600–₹800 in cashback every month without worrying about redemption processes or reward points.
🏁 Final Verdict: If your monthly spending revolves around Amazon, Ajio, and digital shopping — the SBI SimplyCLICK Credit Card offers consistent cashback and smooth tracking. I’ve earned over ₹3,200 cashback in 5 months — all auto-credited without touching any rewards portal. It’s a practical, plug-and-play card for 2025.
The SBI SimplyCLICK Credit Card is still one of the most rewarding entry-level cards for digital shoppers in 2025 — especially if you frequently order from Amazon, Ajio, BookMyShow, and use other SBI partner brands. Cashback is auto-credited — there’s no need to convert reward points or track redemptions.
In my case, I used it to shop for electronics worth ₹6,000 on Amazon and received ₹600 as cashback — credited straight to my next statement, no manual steps involved.
If you mostly shop via Amazon, order clothes from Ajio, or book movie tickets online — this card delivers consistent savings. I’ve personally earned over ₹3,200 in cashback within five months using it for daily online essentials and festive sales.
💸 Annual Fee: ₹499 + GST (waived on ₹1L spend/year)
🎯 Best For: Amazon buyers, Ajio shoppers, and users who prefer automatic cashback over points
You earn 10% cashback on Amazon (via SBI Card website/app) and 5% cashback on partner brands like Ajio, BookMyShow, Netmeds, Cleartrip, etc. All other online spends get 1% cashback. I earned ₹680 cashback in one billing cycle just through Amazon and Ajio.
Cashback is automatically adjusted in your next statement. There’s no manual redemption. In my experience, it reflects within 4–5 days of statement generation.
You won’t earn cashback on fuel, rent, utility bills, insurance payments, UPI, wallet loads (like Paytm), EMIs, or government charges. For example, I used it to pay my LIC premium — no cashback was credited.
No, it has an annual fee of ₹499 + GST, but it’s waived if you spend ₹1 lakh or more in a year. I met the waiver target in 7 months using it for Amazon + Ajio shopping.
You can link it to wallets, but no cashback is given for UPI or wallet transactions. This includes PhonePe, Paytm, and Google Pay loads — they don’t qualify for rewards.
Yes, SBI provides free add-on cards for family members. Cashback from all add-on cards gets credited to the main cardholder’s account — useful for hitting the ₹1L waiver target faster.
– SimplyCLICK: Best for Amazon + Ajio combo with auto-cashback
– SBI Cashback: Better for utility bills + flat 5% online spend
– Amazon Pay ICICI: Ideal for Prime users; LTF card with 5% Amazon reward
Personally, I use SimplyCLICK for fashion and travel, and Amazon Pay ICICI for daily Amazon shopping.
Apply via SBI Card website, CRED, or aggregator sites. You’ll need your PAN, Aadhaar, and income proof. I got instant e-approval and my virtual card was active within 15 minutes.
Yes — to get 10% cashback on Amazon, you must shop through the SBI Card mobile app or their website login. If you use Amazon directly, you only get 1%.
After months of usage and analysis, I believe the SBI SimplyCLICK Credit Card is best suited for digital-first users who frequently shop on Amazon, Ajio, BookMyShow, and other SBI partner brands. If you want flat cashback without managing points or conversions — this card delivers with minimal friction.
With just a few Amazon orders and some Ajio shopping, I covered the ₹499 fee within the first quarter — and every month since, I’ve earned ₹600–₹800 cashback on average. No logins, no conversions — just pure savings on your bill.
✅ Bottom Line: If your lifestyle includes regular digital shopping and you value ease of use over complexity, the SBI SimplyCLICK Credit Card is a smart, practical option for 2025. This wraps up my full-length SBI SimplyCLICK Credit Card Review — I hope it helped you decide if it aligns with your spending habits and goals.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
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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