ShoppingBeginner friendly

SBI Card SimplyCLICK Credit Card Review

SBI Card SimplyCLICK is best for first-time card users who shop online. 10X reward points on partners: BookMyShow, Myntra, Apollo 24|7, Netmeds, Swiggy, Cleartrip and Yatra.

Annual fee₹499 + GST

Fee waiver₹1,00,000 / year

Top reward rate2.5%

Forex markup3.5%

NetworkVisa

Min. incomeNot published

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Pros

10X reward points on partners: BookMyShow, Myntra, Apollo 24|7, Netmeds, Swiggy, Cleartrip and Yatra
5X reward points on other online spends (capped at 10,000 points a month)
Annual e-voucher milestones on ₹1 lakh and ₹2 lakh spends
Low fee, waived at ₹1 lakh

Cons

Amazon is no longer a 10X partner
Low 0.25% value on offline spends
Points must be redeemed manually

Reward rate by category

Effective value back per ₹100 spent. Reward points valued at ₹0.25 each.

Amazon1.25%

Flipkart1.25%

Other online shopping2.5%

Food delivery2.5%

Dining out0.25%

Groceries0.25%

Flights & hotels2.5%

Fuel0%

Bills & recharges0.25%

Everything else0.25%

Caps, tiers & milestones

5X points on other online spends capped at 10,000 points a month

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender ₹3,96,000/yr spend	₹3,930
Online shopper ₹3,90,000/yr spend	₹5,505
Frequent traveller ₹8,04,000/yr spend	₹5,574
Family & groceries ₹5,88,000/yr spend	₹3,660

Use my own spends

Lounge access

None

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SBI Card SimplyCLICK FAQs

What is the annual fee of the SBI Card SimplyCLICK credit card?

The SBI Card SimplyCLICK credit card has a joining fee of ₹499 and an annual fee of ₹499, plus 18% GST. The annual fee is waived if you spend ₹1,00,000 or more in a card year.

Is SBI Card SimplyCLICK a good credit card?

The SBI Card SimplyCLICK card is best for: first-time card users who shop online. Its main strengths are: 10x reward points on partners: bookmyshow, myntra, apollo 24|7, netmeds, swiggy, cleartrip and yatra; 5x reward points on other online spends (capped at 10,000 points a month). Its main drawback: amazon is no longer a 10x partner.

What is the forex markup on SBI Card SimplyCLICK?

The SBI Card SimplyCLICK card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.

Does SBI Card SimplyCLICK offer airport lounge access?

No, the SBI Card SimplyCLICK card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: not published by the bank. Sources: SBI Card. Banks change terms often, so confirm on the SBI Card website before applying.