MyFinCards
SimplyCLICK SBI Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 1 Lakhs)

SBI Card
Shopping
Rewards
Best For: Online shoppers, Frequent users of Swiggy, Myntra, BookMyShow, Dominos, Cleartrip

SimplyCLICK SBI Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹1

Earning Cap

₹2,000 /statement_cycle

Pros

  • 10X reward points on popular online partners like Swiggy, BookMyShow, Myntra, Cleartrip etc.
  • 5X reward points on all other online spends
  • Annual fee waiver on spending Rs.1 Lakh
  • Welcome Amazon gift card worth Rs.500
  • Milestone e-vouchers worth Rs.2000 each at Rs.1L and Rs.2L online spends
  • 1% fuel surcharge waiver
  • Zero add-on card fee

Cons

  • Only 1 reward point per Rs.100 on offline/other spends
  • Milestone vouchers limited to Cleartrip/Yatra brands
  • Fuel surcharge waiver capped at Rs.100 per statement cycle

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

10X rewards only on select exclusive partners, not all online merchants

Fuel surcharge waiver only on transactions between Rs.500 and Rs.3000

Fuel surcharge waiver capped at Rs.100 per statement cycle

Key Benefits & Features

Amazon.in gift card worth Rs.500 on payment of annual fee (log-in gift)

Balance Transfer on EMI: Transfer outstanding balance from other bank credit cards at lower interest rate

Contactless payments via Visa payWave; max Rs.5000 per contactless transaction

Worldwide acceptance at over 24 million outlets globally including 3,25,000 in India

Cash withdrawal from over 1 million Visa or MasterCard ATMs globally

Utility bill payment via Easy Bill Pay facility

Notable Exclusions

Base reward rate of 1 point per Rs.100 applies to all non-online and non-partner spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About SimplyCLICK SBI Card

The SimplyCLICK SBI Card is designed for online shoppers who want to maximize rewards on their everyday digital spending. Cardholders receive a welcome Amazon.in gift card worth Rs. 500 upon payment of the annual fee, making the card rewarding from day one. The card earns 10X Reward Points on online spends with exclusive partners including Swiggy, Myntra, BookMyShow, Dominos, Cleartrip, Apollo 24x7, Yatra, Netmeds, Gyftr, and IGP, while offering 5X Reward Points on all other online transactions and 1 Reward Point per Rs. 100 on offline spends. For frequent online shoppers, the card offers compelling milestone benefits, including e-vouchers worth Rs. 2,000 each upon reaching annual online spends of Rs. 1 lakh and Rs. 2 lakh, redeemable with Cleartrip or Yatra. Additionally, the annual renewal fee of Rs. 499 is waived when annual spends reach Rs. 1,00,000, adding further value for regular users. Beyond rewards, the SimplyCLICK SBI Card offers practical everyday features such as a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000, contactless payment technology for quick and secure transactions, worldwide acceptance across 24 million outlets on the Visa network, add-on cards for family members, cash withdrawal from over 1 million ATMs globally, and a convenient utility bill payment facility.

Expert Review

Our Verdict

Best for online shoppers with 10X rewards on top partners and milestone e-vouchers worth Rs.2000.

Frequently Asked QuestionsAbout SimplyCLICK SBI Card

FEESWhat is the joining fee and annual fee for the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card has a one-time joining fee of ₹499 plus applicable taxes. The renewal fee is also ₹499 per annum from the second year onwards. However, the annual fee is waived if your total annual spends for the previous year are ₹1,00,000 or more, making it effectively free for regular spenders.
BENEFITSWhat welcome benefit do I get on the SimplyCLICK SBI Card?
Upon payment of the annual fee of ₹499 plus taxes, you receive an Amazon.in gift card worth ₹500 as a log-in gift. This essentially offsets the joining fee, making the card a great value proposition for new cardholders. Please refer to the detailed Terms and Conditions on the SBI Card website for eligibility and redemption details.
REWARDSHow many reward points do I earn on online spends with SimplyCLICK SBI Card?
The SimplyCLICK SBI Card offers tiered reward points on online spends. You earn 10X reward points on purchases made with exclusive partners including Apollo 24/7, BookMyShow, Cleartrip, Dominos, Gyftr, IGP, Myntra, Netmeds, Swiggy, and Yatra. For all other online spends, you earn 5X reward points. On offline and all other spends, you earn 1 reward point per ₹100 spent.
BENEFITSWhat are the milestone benefits on the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card offers milestone e-vouchers worth ₹2,000 each when you reach annual online spends of ₹1 Lakh and ₹2 Lakh respectively. These e-vouchers are from Cleartrip or Yatra brands. Details of the e-voucher are sent via SMS to your registered mobile number. Please refer to the Cleartrip and Yatra Terms & Conditions for redemption details.
BENEFITSIs there a fuel surcharge waiver on the SimplyCLICK SBI Card?
Yes, the SimplyCLICK SBI Card offers a 1% fuel surcharge waiver on each transaction between ₹500 and ₹3,000 (exclusive of GST and all other applicable charges). The maximum surcharge waiver is capped at ₹100 per statement cycle per credit card account. This benefit helps you save on fuel purchases at petrol stations across India.
FEESHow can I get my annual fee waived on the SimplyCLICK SBI Card?
Your SimplyCLICK SBI Card annual renewal fee of ₹499 is automatically reversed in the subsequent year if your total annual spends reach ₹1,00,000 or more. This means if you spend at least ₹1 Lakh in a year, you will not be charged the renewal fee for the following year, making the card effectively free for active users.
USAGEWhat is contactless payment and how does it work on the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card supports Visa payWave contactless technology. You can simply wave your card at a secured contactless reader to complete your transaction without handing over your card or searching for cash. The maximum payment allowed per contactless transaction is ₹5,000. The unique security key feature ensures only one transaction goes through even if the card is waved multiple times, providing enhanced security.
BENEFITSCan I add family members to my SimplyCLICK SBI Card account?
Yes, the SimplyCLICK SBI Card allows you to get add-on cards for your family members, including parents, spouse, children, or siblings above the age of 18 years. The best part is that add-on cards are completely free — there is no annual fee for add-on cards. This allows your family to enjoy the same benefits and reward points on their spends.
INTERNATIONALCan I use the SimplyCLICK SBI Card for international transactions?
Yes, the SimplyCLICK SBI Card is a Visa card and is accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can use it at any outlet that accepts Visa cards worldwide. You can also withdraw cash from over 1 million Visa ATMs globally. Note that forex markup charges may apply on international transactions; please check the Most Important Terms and Conditions for applicable rates.
USAGEHow can I convert large purchases into EMIs using my SimplyCLICK SBI Card?
You can convert purchases of ₹2,500 or more into easy monthly installments using the Flexipay feature. Simply make a purchase using your SimplyCLICK SBI Card and log in to sbicard.com with your username and password within 30 days of the purchase to convert it to Flexipay. Additionally, you can transfer outstanding balances from other bank credit cards to your SBI Card and repay in EMIs at a lower interest rate through the Balance Transfer on EMI facility.
APPLICATIONHow do I apply for the SimplyCLICK SBI Card?
You can apply for the SimplyCLICK SBI Card online by visiting the SBI Card website (sbicard.com) and clicking on 'Apply Now'. You can also track your existing application status through the 'Track my Application' section on the website. For assistance, you can call the SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290. New users can register on the portal before initiating their application.
REWARDSWhat reward points do I earn on offline or non-online spends with SimplyCLICK SBI Card?
The SimplyCLICK SBI Card is primarily designed for online shopping and hence offers lower rewards on offline spends. You earn just 1 reward point per ₹100 spent on all offline transactions and other non-online spends. This is significantly lower compared to the 10X and 5X reward points on online spends. If you predominantly shop offline, you may want to consider a card more suited to offline spending.
REWARDSWhich online partners offer 10X reward points on the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card offers 10X reward points on spends with the following exclusive online partners: Apollo 24/7 (healthcare), BookMyShow (entertainment), Cleartrip (travel), Dominos (food), Gyftr (gift cards), IGP (gifting), Myntra (fashion), Netmeds (pharmacy), Swiggy (food delivery), and Yatra (travel). For all other online spends not covered by these partners, you earn 5X reward points.
USAGEHow can I pay my utility bills using the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card comes with an Easy Bill Pay facility that allows you to pay your electricity, telephone, mobile, and other utility bills conveniently. You can access this feature through the SBI Card website or mobile app. Paying utility bills through your card also helps you accumulate reward points on those spends, adding further value to your everyday transactions.
USAGEHow do I redeem the milestone e-vouchers earned on the SimplyCLICK SBI Card?
When you reach annual online spends of ₹1 Lakh or ₹2 Lakh, you become eligible for milestone e-vouchers worth ₹2,000 each. The e-voucher details are sent via SMS to your registered mobile number. The vouchers are redeemable on Cleartrip or Yatra platforms for travel bookings. Please refer to the individual Cleartrip and Yatra Terms & Conditions available on the SBI Card website for detailed redemption instructions and validity.

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