SBI SimplyCLICK Credit Card Review 2026 — Is It Worth It?
The SBI SimplyCLICK credit card is one of the most popular entry-to-mid range cards in India, designed for online shoppers. With 10x reward points on partner platforms and a low annual fee, it's a strong option — but has some important limitations. Here's our complete 2026 review.
Key Facts at a Glance
Annual fee: ₹499 + GST (waived on ₹1 lakh annual spend) Joining fee: ₹499 + GST Reward rate: 10x on partner sites, 5x on all other online, 1x on offline Network: Visa Best for: Online shoppers who buy across multiple platforms Minimum income: ~₹20,000/month (salaried) or ITR ₹3 lakh (self-employed) Bank: State Bank of India
Reward Structure — How Points Work
• 10x reward points on: Amazon, BookMyShow, Cleartrip, Domino's, Lenskart, NetMeds, Apollo, UrbanClap (now Urban Company) • 5x reward points on all other online purchases • 1x reward point on all offline/other spends 1 reward point = ₹0.25 when redeemed via SBI card rewards portal or e-vouchers. Effective cashback rates: • Partner sites (10x): 2.5% effective cashback • Other online (5x): 1.25% effective cashback • Offline (1x): 0.25% effective cashback The 10x partner list is solid for everyday purchases — Amazon for shopping, BookMyShow for entertainment, Cleartrip for travel.
Annual Fee & Waiver
₹499/year is one of the lowest fee cards in India with decent rewards. The waiver threshold of ₹1 lakh/year (₹8,333/month) is very achievable — most online shoppers hit this without trying. If you spend exclusively online and reach ₹1 lakh/year: you pay zero fee and earn meaningful rewards. This makes SimplyCLICK effectively a zero-fee card for regular online shoppers. Important: The fee waiver is applied the following year based on your spend in the previous year. So you'll pay the fee in year 1 unless the bank offers a promotion.
Welcome & Milestone Benefits
Welcome benefit: ₹500 Amazon gift card on paying the joining fee (effectively makes year 1 free) Milestone benefit: • ₹2,000 Cleartrip e-voucher on spending ₹1 lakh in a year • ₹2,000 Cleartrip e-voucher on spending ₹2 lakh in a year The Cleartrip vouchers are worth ₹2,000 towards flights/hotels. If you spend ₹2 lakh/year (₹16,666/month), you get ₹4,000 in travel vouchers on top of your regular rewards — solid return.
What It Lacks
SimplyCLICK is an online-focused card with clear limitations: • No airport lounge access — not suitable as your only card if you travel • Poor offline rewards (0.25%) — use another card for in-store purchases • No fuel surcharge waiver • No dining or lifestyle benefits • No forex advantage — 3.5% foreign currency markup makes it unsuitable for international purchases • Points expiry: 2 years from earning date — keep track • Partner list is fixed — if your preferred platforms aren't listed, you earn only 5x not 10x This card works best as a secondary card alongside a card with lounge access and offline rewards.
Who Should Get SimplyCLICK?
SimplyCLICK is ideal for: ✅ Regular Amazon, BookMyShow or Cleartrip users ✅ First credit card applicants — low fee, easy approval, solid rewards ✅ Salaried professionals who shop primarily online ✅ Anyone wanting a straightforward reward card without complex redemptions ✅ Those whose monthly spend is ₹8,000–₹30,000 Skip it if: ❌ You travel frequently and need lounge access ❌ Most of your spending is offline (grocery stores, restaurants) ❌ You make international purchases regularly ❌ You spend ₹1 lakh+/month — better cards exist at this level
How It Compares to Alternatives
vs HDFC Millennia (₹1,000/year): Millennia offers 5% cashback on Amazon/Flipkart/Myntra vs SimplyCLICK's 2.5% effective rate on Amazon — Millennia wins for heavy Amazon shoppers but costs twice the fee. vs Amazon Pay ICICI (free): Amazon Pay ICICI is lifetime free, gives 5% on Amazon (Prime) vs SimplyCLICK's 2.5% — Amazon ICICI wins if you're a Prime member and primarily shop on Amazon. vs Axis Flipkart (₹500/year): Flipkart card gives 5% on Flipkart/Myntra, 4% on other platforms — better if Flipkart is your primary platform. Verdict: SimplyCLICK is the best option if you shop across multiple partner platforms (not just Amazon or Flipkart) and want a low-fee card with broad online coverage.