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SBI SimplyCLICK
76/100 · ₹499/yr
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SBI SimplyCLICK
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SBI SimplyCLICK

by SBI Card · Data verified 5 days ago

10X Reward Points on Amazon, Cleartrip, Apollo, Netmeds, Lenskart. 5X on all other online spends. Best budget SBI card for online shopping.

76
Score
Based on rewards, fees, benefits & eligibility
₹499
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
No Lounges
complimentary
₹499/yr
waiver available
76/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹499
Net Annual Value

You save per year!

What's Great

  • 10X Reward Points (2.5% return) on popular partners: Swiggy, Myntra, Cleartrip, BookMyShow, Domino's, Netmeds
  • 5X Reward Points (1.25% return) on all other online spends
  • Welcome benefit of ₹500 Amazon.in gift voucher covering the joining fee
  • Up to ₹4,000 in annual milestone vouchers from Cleartrip/Yatra on reaching online spend milestones
  • Annual fee waived on ₹1 Lakh annual spends

Things to Consider

  • No complimentary airport lounge access
  • Monthly cap of 10,000 Reward Points on 5X online spends
  • Low base reward rate of 0.25% (1 RP per ₹100) on offline spends
  • Standard 3.5% foreign currency markup fee

Perfect For

Online shoppers Beginners E-commerce users

About This Card

10X rewards on partner sites like Amazon, BookMyShow, Apollo, Netmeds
Annual Fee
₹499
Waiver
Waived on annual spends of ₹1,00,000 or more in preceding year
Joining Fee
₹499
Welcome benefit: ₹500 Amazon.in gift voucher on payment of joining fee

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹100/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹1,000
₹500
₹1,000.01-₹10,000
₹750
₹10,000.01-₹25,000
₹950
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
24 months from date of earning
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
1
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Amazon.in e-Gift Card worth ₹500 on payment of joining fee

Milestone Rewards

Cleartrip or Yatra e-voucher worth ₹2,000 on reaching ₹1,00,000 annual online spends
Additional Cleartrip or Yatra e-voucher worth ₹2,00,000 on reaching ₹2,00,000 annual online spends (total ₹4,000 in milestone vouchers)
Annual renewal fee waiver on reaching ₹1,00,000 in annual spends

Reward Earning by Category

Category Reward Rate Details
E-commerce - Partners BONUS 10 pts/₹100 10X on Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ, Yatra, Gyftr
E-commerce BONUS 5 pts/₹100 5X on other online spends (Cap: 10,000/mo)
Shopping 1 pts/₹100 1 RP per ₹100 offline
Fuel — No RP on fuel
Point Value: 1 point = ₹0.25 | Redemption Fee: ₹99 + GST per request

Fuel Savings

₹100/mo

Lost Card Cover

₹0

Movies

  • •Earn 10X Reward Points (10 RP per ₹100 = 2.5% return) on BookMyShow ticket bookings

Dining

  • •Earn 10X Reward Points (10 RP per ₹100 = 2.5% return) on Swiggy and Domino's orders

Shopping

  • •Earn 10X Reward Points on exclusive partner brands: Cleartrip, BookMyShow, Apollo 24|7, Domino's, Myntra, Netmeds, Swiggy, and Yatra
  • •Earn 5X Reward Points (5 RP per ₹100) on all other online spends (capped at 10,000 points per month)
  • •Earn 1 Reward Point per ₹100 spent on offline retail purchases
  • •Contactless tap-and-pay enabled for transactions up to ₹5,000

Travel

  • •Earn 10X Reward Points on flight and hotel bookings via Cleartrip and Yatra
  • •1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 across all petrol pumps (up to ₹100/cycle)
  • •International usage enabled on Visa/Mastercard networks

Special Offers & Features

  • •Welcome gift: ₹500 Amazon.in gift voucher delivered within 15 days of joining fee payment
  • •Spend ₹1 Lakh online to earn ₹2,000 Cleartrip voucher and waive ₹499 annual fee simultaneously

EMI Options

  • •Flexipay EMI on purchases above Rs.2,500
  • •Tenure: 6, 9, 12, 18, 24 months
  • •Interest rate: 13-24% p.a.
  • •No-cost EMI at select online and retail partners

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic

Mobile Wallet Support

Google Pay Apple Pay Samsung Pay
76 out of 100

CardSahayak Score

"Apply Now" takes you to SBI Card's official website.

Eligibility

Salaried ₹20,000/mo
Self-Employed ₹25,000/mo
Age 21-70 yrs
CIBIL 700+
Employment Salaried, Self-Employed
Card Variant SimplyCLICK

Scores

Rewards 30/100
Fees 90/100
Benefits 24/100
Access 92/100

⚡ Quick Compare

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6 Active Offers

Deals & Offers

Exclusive offers available on SBI SimplyCLICK

SBI SimplyCLICK — 10X Reward Points on Swiggy

5X Reward Points on Swiggy orders. Also earn 10X Reward Points on exclusive online partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq.

10
dining
Discount
5%
Min Spend
No minimum
Max Savings
10X reward points on Swiggy
How to Avail
Order on Swiggy app/website and pay with SBI SimplyCLICK card
Terms & Conditions

Permanent card benefit. 5X RP on Swiggy, 10X RP on select partners. Max cap per transaction may apply.

Visit Offer
Apple

Apple

Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.

15000
Till 31 Dec 2026 electronics
Discount
Up to ₹15,000 instant discount
Min Spend
₹50,000
Max Savings
₹15,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Apple Authorized Reseller (Imagine, Aptronix, Unicorn) or shop online at apple.com/in.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Terms & Conditions

Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.

Visit Offer
MakeMyTrip

MakeMyTrip

Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.

12
Till 31 Dec 2026 SBIMMT travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Launch MakeMyTrip mobile app or website.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Terms & Conditions

Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.

Use Code: SBIMMT
Visit Offer
Yatra

Yatra

Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.

4000
Till 31 Dec 2026 SBIYATRA travel
Discount
Up to ₹4,000 instant discount
Min Spend
₹7,500
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open yatra.com or Yatra mobile app.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Terms & Conditions

Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.

Use Code: SBIYATRA
Visit Offer
Reliance Digital

Reliance Digital

Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.

₹5,000
Till 31 Dec 2026 shopping
Discount
Up to ₹5,000 Off
Min Spend
₹15,000
Max Savings
₹5,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Purchase appliances or electronics at Reliance Digital stores or reliancedigital.in.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.

Visit Offer
Croma

Croma

Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.

₹3,500
Till 31 Dec 2026 shopping
Discount
Up to ₹3,500 Off
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop online at croma.com or any physical Croma retail store.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about SBI SimplyCLICK

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹20,000/month min
  • • Self-employed: ₹25,000/month min
  • • CIBIL: 700+ recommended
The annual fee is ₹499. The fee can be waived by Waived on annual spends of ₹1,00,000 or more in preceding year.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: Amazon.in e-Gift Card worth ₹500 on payment of joining fee on activation! Redeem for flights, hotels, vouchers via SBI Card rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
  • • Instant: Pre-approved SBI Card customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for SBI SimplyCLICK today and unlock amazing rewards and premium experiences.

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