SBI SimplyCLICK Review 2026

What is SBI SimplyCLICK Credit Card?
The SBI SimplyCLICK Credit Card is a beginner-friendly rewards card designed for online shoppers. It offers 10X reward points on Amazon, Apollo24X7, and BookMyShow, alongside generous milestone e-vouchers, for a low annual fee of ₹499.

Table of Contents

1. Card Overview & Fees

SBI SimplyCLICK Credit Card Credit Card Design

SBI SimplyCLICK Credit Card

Best For: Online Shopping Rewards

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST (Waived on ₹1 Lakh spend)
Apply SBI SimplyCLICK Card →

2. Key Benefits & Features

Welcome Benefits₹500 Amazon Gift Card on joining fee payment
Cashback/Reward Rate10X points on Amazon/Apollo24X7/BookMyShow, 5X points on other online spends, 1X on offline (1 Point = ₹0.25)
Lounge AccessNone
Fuel Surcharge Waiver1% surcharge waiver (Max ₹100 per cycle)
EMI OptionsAvailable on purchases above ₹2,500 via Flexipay
Other BenefitsStandard dining offers | 10X Rewards via BookMyShow

3. Pros & Cons

✅ Pros

  • ✔️ Low annual fee of ₹499
  • ✔️ Great milestone rewards (₹2000 voucher on ₹1L & ₹2L spend)
  • ✔️ 10X rewards on exclusive partners
  • ✔️ Welcome Amazon voucher covers joining fee

❌ Cons

  • ✖️ Reward rate on offline spends is very low (0.25%)
  • ✖️ No domestic lounge access
  • ✖️ Points redemption fee of ₹99 applies

4. Eligibility & Documents Required

Age: 21 to 65 years

Minimum Income: ₹20,000+ per month

Documents: PAN Card, Aadhaar Card, Income Proof

Note: Online application requires Aadhaar linked to mobile number for instant e-KYC.

5. Expert Verdict (2026)

✅ Who Should Apply: Beginners and budget-conscious users who shop frequently on Amazon and partner sites and can easily hit the ₹1 Lakh milestone.

❌ Who Should Avoid: High spenders looking for direct cashback or premium travel perks like lounge access.

"A solid entry-level rewards card that pays for itself. If you hit the milestone spends, the effective reward rate is fantastic for a low-fee card."

Apply SBI SimplyCLICK Card →

6. Alternatives & Comparisons

Before making a decision, see how the SBI SimplyCLICK stacks up against its closest competitors:

Card Best For Annual Fee
SBI SimplyCLICK CURRENT ₹499 + GST (Waived on ₹1 Lakh spend)
SBI Cashback Online Shopping Cashback ₹999 + GST (Waived on ₹2 Lakh spend)
Axis Neo Discounts on Utilities & Dining ₹250 + GST (Waived on ₹1 Lakh spend)

7. People Also Ask & FAQs

People Also Ask

Is SBI SimplyCLICK good for beginners?
Yes, its low income requirement and ₹499 annual fee make it an excellent choice for first-time credit card users.
How to get ₹500 Amazon voucher on SBI SimplyCLICK?
The voucher is dispatched to your registered mobile number and email within 30 days of paying the ₹499 joining fee.
Does SBI SimplyCLICK have lounge access?
No, this card is focused strictly on online shopping rewards and does not offer complimentary lounge access.

Frequently Asked Questions

How do I claim the ₹500 Amazon gift card?
The ₹500 Amazon voucher is sent via SMS/Email within 30 days of paying the joining fee.
What is the value of 1 SBI Reward Point?
For the SimplyCLICK card, 1 Reward Point is equal to ₹0.25 when redeemed for vouchers or statement credit.
Does it have lounge access?
No, the SBI SimplyCLICK card does not provide complimentary airport lounge access.
What are the milestone benefits?
You get a ₹2,000 e-voucher (Cleartrip/Yatra) on reaching an annual spend of ₹1 Lakh, and another ₹2,000 voucher on reaching ₹2 Lakhs.
Can I redeem points for cash?
Yes, points can be adjusted against your statement balance, but a redemption fee of ₹99 + GST applies.
What is the minimum amount for EMI conversion?
You can convert any purchase above ₹2,500 into easy EMIs.
Are there any hidden charges on point redemption?
A flat fee of ₹99 + GST is charged every time you redeem your accumulated reward points.
Can I link SBI SimplyCLICK to UPI?
Unless issued on the RuPay network, you cannot link Visa/Mastercard variants of this card to UPI.
SBI SimplyCLICK Credit Card
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Verified by CreditConnects Editorial Team

Last Updated: July 2026

Editorial Policy: Our reviews are independent and data-driven. We regularly update our content to reflect the latest RBI guidelines and bank terms.

Sources & References

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CreditConnects Editorial Team

Last Updated: July 2026
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