Online rewards
SBI SimplyCLICK Credit Card
A low-fee online shopping card: 10X points at partners like Myntra, Swiggy, Cleartrip and BookMyShow, 5X on other online spends, plus up to ₹4,000 in travel vouchers.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward10X at partner brands (about 2.5%)
LoungeNone
Forex markup3.5%
Best for: Beginners who mostly shop online and want a cheap card with useful vouchers.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ | 10 points per ₹100 (about 2.5%) | – |
| Other online spends, including Amazon | 5 points per ₹100 (about 1.25%) | 10,000 points a month |
| Offline spends | 1 point per ₹100 (about 0.25%) | – |
| Fuel, wallet loads, rent, government, gaming, EMI | Nothing | – |
- 1 point = ₹0.25.
- Minimum 2,000 points to redeem.
Benefits
Welcome benefit
- ₹500 Amazon voucher when you pay the joining fee (and on each renewal fee).
Milestones
- ₹2,000 Cleartrip or Yatra voucher at ₹1 lakh annual online spend.
- Another ₹2,000 voucher at ₹2 lakh.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹500 to ₹3,000, up to ₹100 a cycle.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹499 + GST (₹589) |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried, self-employed or student
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Welcome voucher covers the fee
- Up to ₹4,000 in milestone vouchers
- Good on Swiggy and Myntra
Watch out for
- Offline spends earn very little
- Points worth only ₹0.25
- Travel vouchers only for Cleartrip or Yatra
Recent changes
- 1 Aug 2025Swiggy back as a 10X partner; Gyftr added.
- Apr 2026Statement credit redemption capped at 60,000 points a month.
Frequently asked questions
Is SBI SimplyCLICK good for Amazon?
Amazon earns 5X (about 1.25%), not 10X.
Ready to apply for the SBI SimplyCLICK Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.