In the digital age, online shopping has become a routine part of life for most Indians. Whether it’s ordering essentials from Amazon, booking tickets on BookMyShow, or buying medicines from Netmeds our wallets now live online. If you’re someone who shops online frequently, the SBI SimplyCLICK Credit Card might be the perfect card for you.
In this blog, we’ll review this popular entry-level credit card in detail covering its features, benefits, charges, eligibility, and application process to help you decide if it’s the right fit for your lifestyle.
Quick Overview – SBI SimplyCLICK Credit Card
| Feature | Details |
| Card Type | Entry-level Rewards Credit Card |
| Ideal For | Online Shopping |
| Annual Fee | ₹499 + GST |
| Welcome Benefit | ₹500 Amazon Gift Voucher |
| Reward Points | Up to 10X on partner websites |
| Annual Fee Waiver | On ₹1,00,000 annual spend |
| Issuer | SBI Cards |
Key Features of SBI SimplyCLICK Credit Card
1. Welcome Benefit
As a welcome gift, you receive a ₹500 Amazon e-Gift Voucher when you pay the joining fee. A perfect way to offset your initial cost!
2. Reward Points
Earn rewards every time you spend online:
- 10X Rewards on partner websites like:
- Amazon
- BookMyShow
- Cleartrip
- Netmeds
- Apollo 24/7
- Lenskart
- 5X Rewards on other online purchases
- 1X Reward on offline retail spends
1 Reward Point = ₹0.25 (approximate redemption value)
3. Annual Fee Waiver
Spend ₹1 lakh in a year and your next year’s annual fee (₹499) is waived. That’s easily achievable if you use your card regularly.
4. Milestone Rewards
Earn bonus e-vouchers for high spends:
- ₹2,000 Cleartrip voucher on ₹1 lakh annual spend
- Additional ₹2,000 voucher on ₹2 lakh annual spend
5. Contactless Payments
Comes with an NFC-enabled chip for fast and secure payments without entering your PIN (up to ₹5,000 per transaction).
ALSO READ: Amazon Pay ICICI Credit Card
Benefits of Using SBI SimplyCLICK Credit Card
✅ Great for Frequent Online Shoppers
If your monthly expenses are mostly online groceries, travel bookings, entertainment this card offers some of the best reward rates in its class.
✅ Low Annual Fee, Easily Waived
The ₹499 fee is not only affordable but also waived if you hit ₹1L in annual spends. That effectively makes this card free for regular users.
✅ Gift Vouchers + Rewards = Extra Value
The welcome Amazon voucher, along with milestone vouchers and reward points, deliver a lot of value to customers especially during festive or seasonal sales.
✅ Simple Reward System
No complex math or confusing categories flat reward multipliers make tracking and earning easy.
✅ Trusted SBI Platform
Being issued by SBI Card, you get access to one of the most robust banking platforms with excellent mobile app and customer support.
ALSO READ: What is credit card?
SBI SimplyCLICK Credit Card Fees & Charges
Here’s a transparent breakdown of the main charges:
| Charge Type | Amount / Details |
| Joining Fee | ₹499 + GST |
| Annual Renewal Fee | ₹499 + GST (waived if ₹1L spent annually) |
| Finance Charges | Up to 3.50% per month (42% p.a.) |
| Late Payment Fee | ₹400 to ₹1300 (based on total outstanding) |
| Cash Withdrawal Fee | 2.5% or ₹500 (whichever is higher) |
| Reward Redemption Fee | ₹99 per redemption request |
Note: Always clear dues within due date to avoid interest and penalties.
How to Apply for SBI SimplyCLICK Credit Card?
To get this card You can apply via online or offline.
How To Apply Online (Recommended)
- Visit: Apply Now
- Search for “SimplyCLICK Credit Card”
- Click “Apply Now”
- Fill in your Full name, email id, PAN, address, and income details
- Complete the e-KYC process
- Your application will be review by SBI Team, and if it approved, card will be delivered to your address within 7-10 days
How To Apply Offline
Visit your nearest SBI Bank branch or an authorized SBI Credit Card partner with these documents (PAN, Aadhaar, Income Proof) to apply manually.
Eligibility Criteria
- Age: should be between 21 to 60 years
- Your Minimum monthly income should be as per SBI’s internal policy
- You Must have a good credit score (preferably 700+)
- Indian resident with valid identity and address proof
📎 Tip: If you’re new to credit, this is one of the easiest credit cards to get approved for in India.
ALSO READ: RBL Bank ShopRite Credit Card
⚖️ Should You Get the SBI SimplyCLICK Credit Card?
Here’s a simple breakdown to help you decide:
Get it if:
- You shop online frequently
- You want a reward card with low fees
- You’re looking for easy approval without premium income proof
- You want to start building a healthy credit history
Avoid it if:
- You rarely shop online
- You need a card with travel perks like airport lounge access or hotel discounts
- You want cashback instead of reward points
ALSO READ: Top 10 lifetime free credit card in India 2025
Comparison with Other Cards
| Feature | SimplyCLICK | HDFC Millennia | Amazon Pay ICICI |
| Best For | Online Shopping | Cashback | Amazon Loyalty |
| Annual Fee | ₹499 | ₹1000 | ₹0 (Lifetime Free) |
| Lounge Access | NA | 4/Year | NA |
| Reward on Amazon | 10X | 1-5% Cashback | 5% (Prime Members) |
| Reward Type | Points | Cashback | Amazon Cashback |
Final Verdict – Is It Worth It?
Yes, the SBI SimplyCLICK Credit Card is one of the best beginner-friendly and online shopping-focused cards in India today. Its rewards are generous, the fees are low, and the approval is relatively easy making it ideal for salaried employees, freelancers, and even students with income proof.
If you’re planning to get your first credit card, or want to earn something extra from your Amazon and Myntra orders SimplyCLICK is a smart choice!
