SBI SimplyCLICK Credit Card
Fees
₹499 + Taxes
Joining & AnnualReward Rate
10X on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds & Ureeka; 5X all online; 1X offline
Welcome Bonus
₹500 Amazon Gift Card on joining
Lounge Access
No Lounge Access
FindMyCard Expert Take
SBI SimplyCLICK earns strong rewards for anyone who shops primarily on Amazon: 10X points there, plus 5X across all other online spending. The ₹1 lakh annual online spend needed to waive the ₹499 fee is easy to hit if you're already an online-first shopper.
Pros & Cons
Key Advantages
- 10X rewards on Amazon
- ₹500 Amazon Gift Card as welcome bonus
- 5X on all other online spends
- Annual fee waived on just ₹1 Lakh annual online spend
- ₹2,000 Cleartrip e-voucher milestone on ₹1 Lakh annual online spends
Limitations
- Only 1X rewards on offline spends, weak for in-store use
- Reward points expire after 2 years
- No lounge access benefits
- High finance charges of 3.5% per month
Editorial Verdict
The SBI SimplyCLICK Credit Card is ideally suited for online shoppers & digital-first spenders. If you want 10x on amazon, bookmyshow, cleartrip, lenskart, netmeds & ureeka; 5x all online; 1x offline, this card delivers real value. The ₹499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Fair to Good (700+), Salaried ₹20,000/month minimum credit to be approved.
Key Perks & Spending Milestones
₹500 Amazon Gift Card on joining and annual renewal
10X reward points on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds & Ureeka
5X reward points on all other online spends
1X reward points on all offline spends
1% fuel surcharge waiver on transactions ₹500–₹3,000 (capped ₹100/month)
Milestone: ₹2,000 Cleartrip e-voucher on ₹1 Lakh online spends/year
Milestone: ₹2,000 Cleartrip e-voucher on ₹2 Lakh online spends/year
Contactless payment enabled
🚀 Milestone Spends Timeline
₹2,000 Cleartrip e-voucher on annual online spends of ₹1 Lakh
₹2,000 Cleartrip e-voucher on annual online spends of ₹2 Lakh
Annual fee waived on annual online spends of ₹1 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹499 + Taxes
💡 Annual fee waived on ₹1 Lakh annual online spends
Regular Interest Charges
3.5% per month (42% per annum)
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
Compare SBI SimplyCLICK Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI SimplyCLICK Credit Card This Card | ₹499 + Taxes | 10X on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds & Ureeka;... | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |