SBI
SBI Simply Click Credit Card
This is an invite only card
Top Benefits
Get 10X Reward Points at Myntra, Tata Cliq
Apollo 24x7, BookMyShow, IGP, and on e-Gift Voucher purchases at the Gyftr portal, on online spends counted within the 10,000 reward points monthly cap across accelerated categories
Get 5X Reward Points on all other Online Spends
capped at 10,000 reward points per calendar month across accelerated categories, after which spends earn 1 reward point per ₹100
Best For
Shopping
The SBI Simply Click Credit Card is one of India's most popular online shopping credit cards, and for g...
Read More
Read Less
The SBI Simply Click Credit Card is one of India's most popular online shopping credit cards, and for g...
The SBI Simply Click Credit Card is one of India's most popular online shopping credit cards, and for good reason. With a ₹499 joining fee offset by a ₹500 Amazon gift card, a ₹499 annual fee waived at ₹1 lakh in annual spend, and 10X reward points on spends at partner merchants like Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra, this card covers the digital lifestyle needs of most Indian urban consumers.
SBI's nationwide network and trusted brand make this card widely accepted and easy to manage. The 2% forex markup is also surprisingly competitive for a ₹499 card, making it an unexpectedly solid choice for occasional international spenders. The estimated annual saving is ₹4,567.
Available to both salaried and self-employed professionals aged 21-60 with a minimum monthly income of ₹20,000 and a CIBIL score of 750.
View FAQ
Commonly Asked Questions
What is the SBI Simply Click Credit Card best known for?
The SBI Simply Click is best known for its 10X reward points on online spends at key partner merchants including Swiggy, BookMyShow, Cleartrip, and Myntra, along with its low effective cost (₹499 fee offset by ₹500 Amazon gift card on joining).
Is the annual fee waivable?
Yes. The ₹499 annual fee is waived if your total annual card spend reaches ₹1 lakh or more. That's approximately ₹8,333 per month — easy to achieve for regular online shoppers.
Expert Review
The SBI Simply Click Credit Card remains one of the best online shopping cards in India for under ₹500 annual fee. The ₹500 Amazon gift card as a welcome benefit covers the joining fee immediately, and the annual fee waiver at ₹1 lakh spend is one of the easiest to achieve among Indian credit cards.
The 10X reward structure across 8 specific merchants — including Swiggy, BookMyShow, Cleartrip, and Myntra — makes it a versatile card for multiple spend categories. The 2% forex markup is the sleeper feature: it's better than most premium cards in this rate, making this a genuinely useful international spend card at a fraction of the premium card fee.
My criticism: the ₹99 redemption fee and the SBI Card rewards portal experience are not as smooth as some private bank apps. The monthly interest rate of 3.85% (46.2% p.a.) is also among the higher rates in this category. Always pay in full.
Verdict: An excellent multi-purpose online shopping card with an unbeatable welcome benefit to fee ratio. If your top 2-3 online spending categories fall within the 10X partner list, this card should be in your wallet.
Joining/Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Joining fee: ₹499. Annual fee: ₹499. Welcome benefit: ₹500 Amazon gift card on joining fee payment. The...
Read MoreRead Less
Joining fee: ₹499. Annual fee: ₹499. Welcome benefit: ₹500 Amazon gift card on joining fee payment. The...
Joining fee: ₹499. Annual fee: ₹499. Welcome benefit: ₹500 Amazon gift card on joining fee payment. The joining fee is more than covered by the Amazon gift card. From Year 2, the ₹499 annual fee is waived if you spend ₹1 lakh or more annually. The milestone benefit of ₹2,000-₹4,000 in Cleartrip vouchers at ₹1-₹2 lakh spend adds further value that far exceeds the annual fee.
View FAQ
Commonly Asked Questions
Is the SBI Simply Click annual fee really waivable?
Yes. Spend ₹1 lakh or more in a year on your SBI Simply Click card and the ₹499 annual fee is waived for that cycle. At ₹8,333 per month, this is a realistic target for regular users.
What is the monthly interest rate?
The monthly interest rate is 3.85%, which translates to 46.2% per annum. On a ₹10,000 outstanding balance, you'd pay ₹385 per month in interest. Always pay the full bill on time.
What is the ATM cash withdrawal fee?
Cash advances attract a flat fee of ₹199 per withdrawal regardless of amount. This is a fixed fee structure rather than the percentage-based fees seen on most other cards. Interest also starts accruing immediately from the withdrawal date.
What is the reward redemption fee?
A ₹99 plus GST redemption handling fee is charged per redemption request. Accumulate a meaningful points balance before redeeming to keep the fee proportional to the redemption value.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Minimum Age: 21 years
Maximum Age: 60 years
Minimum Income (Salaried): ₹3 LPA (₹20,000 per mo...
Read MoreRead Less
Minimum Age: 21 years Maximum Age: 60 years Minimum Income (Salaried): ₹3 LPA (₹20,000 per mo...
- Minimum Age: 21 years
- Maximum Age: 60 years
- Minimum Income (Salaried): ₹3 LPA (₹20,000 per month reference)
- Minimum Income (Self-Employed): ₹3 LPA
- Minimum CIBIL Score: 750 for both salaried and self-employed
- Employment Type: Both salaried and self-employed
View FAQ
Commonly Asked Questions
What is the minimum income for SBI Simply Click?
Both salaried and self-employed applicants need a minimum annual income of ₹3 LPA. This translates to approximately ₹25,000 per month.
What CIBIL score is required?
A minimum CIBIL score of 750 is required for both salaried and self-employed applicants. This is a moderate requirement suitable for applicants with a clean credit history.
Can someone aged 59 apply for this card?
Yes. The maximum age is 60 years. A 59-year-old who meets the income and CIBIL requirements can apply for the SBI Simply Click Credit Card.
All Card Benefits
- 10X reward points on online spends with partners like Amazon, BookMyShow, Cleartrip, Swiggy, Myntra, etc
- 5X reward points on all other online spends
- Monthly cap of 10,000 reward points on accelerated (10X & 5X) earnings; post cap earn rate reduces to 1 point per ₹100
- Earn 1 reward point per ₹100 on other spends
- ₹2,000 e-vouchers on annual online spend milestones of ₹1 lakh and ₹2 lakh
Welcome Benefits
On payment of the ₹499 joining fee, you receive a ₹500 Amazon.in gift card. That's ...
Read MoreRead Less
Welcome Benefits On payment of the ₹499 joining fee, you receive a ₹500 Amazon.in gift card. That's ...
Welcome Benefits
On payment of the ₹499 joining fee, you receive a ₹500 Amazon.in gift card. That's a ₹1 net gain from day one — you effectively pay ₹499 and immediately get ₹500 back in Amazon shopping credit. This welcome benefit makes the first-year joining fee essentially free.
10X Reward Points at Partner Merchants
The standout benefit is 10X reward points on eligible online spends at: Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra. At ₹0.25 per point, a 10X earn on ₹1,000 spend at Swiggy earns 10 points (₹2.50 in value) versus 1 point (₹0.25) at base rate. If you spend ₹3,000 on Swiggy in a month, you earn ₹7.50 in point value. Over a year, consistent partner spending builds a meaningful redemption balance.
Low Forex Markup
The SBI Simply Click card charges only 2% forex markup on international transactions — the same rate as premium cards like IDFC FIRST Select. For a ₹499 card, this is exceptional. On ₹5,00,000 in international spend per year, you save ₹7,500 versus a 3.5% forex card. This makes the SBI Simply Click an underrated choice for travelers on a budget.
Annual Milestone Benefits
Spend ₹1 lakh in a year and earn a ₹2,000 Cleartrip e-voucher. Spend ₹2 lakh annually and earn a ₹4,000 Cleartrip e-voucher. These milestones convert consistent annual spending into concrete travel value. At ₹2 lakh in annual spend, the ₹4,000 Cleartrip voucher alone is 8 times the annual fee value.
View FAQ
Commonly Asked Questions
How is the Amazon gift card delivered?
The ₹500 Amazon.in gift card is credited to your registered email or mobile number after the joining fee payment is confirmed. You can use it directly on Amazon.in for any eligible purchase.
Which merchants offer 10X reward points?
The 10X reward partners are Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra. All eligible online spends at these merchants earn 10 points per ₹100 spent.
What is the reward rate on non-partner online spends?
All other online spends earn 5X reward points. So non-partner online shopping at Amazon, Flipkart, Meesho, or other platforms earns 5 points per ₹100 spent.
What is the reward rate on offline spends?
All offline/other spends earn 1 reward point per ₹100. This is the base rate applicable to general in-store or bill payment transactions.
Is there a monthly cap on 10X earning?
SBI may apply a monthly or annual cap on accelerated reward earning. Check the SBI Card website for the current cap applicable to 10X rewards at partner merchants.
What is the forex markup on SBI Simply Click?
The forex markup is 2% on international foreign currency transactions. On a ₹10,000 international purchase, you pay ₹200 in forex fees versus ₹350 on a standard 3.5% card.
What are the milestone benefits on SBI Simply Click?
Spend ₹1 lakh in a year to earn a ₹2,000 Cleartrip e-voucher. Spend ₹2 lakh to earn a ₹4,000 Cleartrip e-voucher. These milestone vouchers are in addition to regular reward point earning.
Is the Cleartrip voucher valid for flights and hotels?
Yes. The Cleartrip voucher can be used for both flight and hotel bookings on the Cleartrip platform. Check the voucher's validity period and applicable booking terms at the time of use.
Milestone Benefits
Voucher Benefit(Worth ~ ₹2,000)
Spend ₹1,00,000 in 365 days
Voucher Benefit(Worth ~ ₹2,000)
Spend ₹2,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
- Flight/Hotels
- Product Catalogue
To check redemption catalogue
Reward points on the SBI Simply Click card are redeemed through the SBI Card rewards portal accessible ...
Read MoreRead Less
Reward points on the SBI Simply Click card are redeemed through the SBI Card rewards portal accessible ...
Reward points on the SBI Simply Click card are redeemed through the SBI Card rewards portal accessible via the mobile app or website. Each point is worth ₹0.25. A ₹99 plus GST redemption fee applies per request. For maximum value, redeem large point balances at once. For example, 5,000 points = ₹1,250 in value. After the ₹99 fee, your net redemption is ₹1,151.
View FAQ
Commonly Asked Questions
How do I redeem SBI Simply Click reward points?
Log into the SBI Card mobile app or the SBI Card website, navigate to the rewards section, check your balance, and select your preferred redemption option from the catalogue.
Can I use reward points to pay my SBI Card bill?
SBI Card allows statement credit redemption in some cases. Check the current redemption options on the SBI Card rewards portal for whether bill payment is available as a redemption choice.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payments
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government-Related Transactions
Wallet Transactions
Fees & GST Charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payments
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government-Related Transactions
Wallet Transactions
Fees
GST Charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
The following categories are excluded from reward earning on the SBI Simply Click Credit Card:
Ren...
Read MoreRead Less
The following categories are excluded from reward earning on the SBI Simply Click Credit Card: Ren...
The following categories are excluded from reward earning on the SBI Simply Click Credit Card:
- Rent Payments
- Fuel Spends
- Insurance Payments
- EMI Transactions
- Cash Withdrawals
- Jewellery Purchases
- School and Educational Services
- Government-related Transactions
- Wallet Transactions
- Fees and GST Charges
- All Reversals and Gambling
- Tolls, Security Broker Services, Charity, Railways
- Utility Bill Payments
- Balance Transfer and Financial Charges
This is a comprehensive exclusion list. Categories like rent, utilities, insurance, education, and government transactions all earn nothing. For a ₹30,000 monthly spender with ₹15,000 in excluded categories, only ₹15,000 in online partner and general purchases earns 10X or 5X rewards.
View FAQ
Commonly Asked Questions
Do Swiggy purchases earn 10X rewards even though food delivery earns nothing on some cards?
Yes. Swiggy is an explicit 10X partner merchant on the SBI Simply Click card. Eligible Swiggy orders earn 10 points per ₹100 spent.
Do utility bill payments earn reward points?
No. Utility bill payments are in the exclusion list for the SBI Simply Click Credit Card.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42% | 3.50% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Check Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A service fee of ₹250 applicable taxes is charged for payments made at SBI branches. No fee is applicable for payments made at KVB branches | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,000+ | ₹1,300 |
Fee Type
Amount
Details
Joining Fee
₹...
Read MoreRead Less
Fee Type Amount Details Joining Fee ₹...
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 | Offset by ₹500 Amazon.in gift card on joining fee payment |
| Annual Fee | ₹499 | Waived on ₹1 lakh or more in annual card spend |
| Forex Markup | 2% | On international transactions. ₹10,000 = ₹200 fee (vs ₹350 on 3.5% cards). |
| Monthly Interest | 3.85% per month (46.2% p.a.) | On revolving unpaid balances. |
| ATM Cash Withdrawal | ₹199 flat per transaction | Fixed fee regardless of withdrawal amount. Interest starts immediately. |
| Reward Redemption Fee | ₹99 + GST | Per redemption request. |
| Railway Surcharge | As per IRCTC | Per IRCTC or Indian Railways rates. |
| Rent Payment Fee | 1% | On rent transactions plus applicable GST. |
View FAQ
Commonly Asked Questions
What is the interest-free period on SBI Simply Click?
The interest-free period is 20 to 55 days. Pay the full outstanding balance by the statement due date every month to avoid interest charges.
The ATM fee is ₹199 flat — is that better or worse than percentage-based fees?
For small withdrawals, ₹199 flat is worse than a 2.5% fee. On ₹1,000 withdrawal, a 2.5% fee would be ₹25 versus ₹199 flat. For large withdrawals (above ₹8,000), the flat ₹199 is better than a percentage fee. Avoid ATM withdrawals on this card for small amounts.
Documents Required
- Identity Proof: PAN Card (mandatory), Aadhaar Card
- Address Proof: Aadhaar Card, Passport, Voter ID, or Driving License
- Income Proof (Salaried): Latest 3 months salary slips or Form 16
- Income Proof (Self-Employed): Last 2 years IT returns, 6 months bank statements
- Photograph: Passport-size photo
View FAQ
Commonly Asked Questions
Is PAN card mandatory for SBI Simply Click?
Yes. PAN card is mandatory for all credit card applications in India.
Who Should Get This Card?
Get this card if:
- You regularly spend at multiple online partners: Swiggy, Myntra, BookMyShow, Cleartrip, Domino's, or Netmeds.
- You want a low-cost card (effectively free if you spend ₹1L/year) with strong multi-platform online rewards.
- You occasionally travel internationally and want a 2% forex card.
- You want Cleartrip travel vouchers as milestone rewards on top of regular points.
Skip this card if:
- You primarily shop on Amazon or Flipkart. Amazon Pay and Axis Flipkart cards give higher rates on those platforms.
- You spend heavily on utilities, insurance, or rent. All are excluded from rewards.
- Your CIBIL score is below 750. The 750 requirement is firm for this card.
Credit Limit and What to Expect
With a minimum income of ₹3 LPA, initial credit limits on the SBI Simply Click card typically range from ₹50,000 to ₹2,00,000. SBI Card sets limits conservatively for first-time applicants but increases them over time with responsible usage. After 12 months of on-time payments and disciplined usage, a limit increase can be requested.
View FAQ
Commonly Asked Questions
What credit limit can I expect on SBI Simply Click?
At the minimum income threshold, initial limits are typically between ₹50,000 and ₹1,50,000. Higher-income applicants with strong credit histories receive higher starting limits.
How to Apply?
- Visit the BankKaro portal or SBI Card website and select the SBI Simply Click Credit Card.
- Fill in personal, income, and employment details.
- Upload KYC documents and complete Video KYC.
- Await approval. Card dispatched within 7-10 business days.
- Pay joining fee to activate the card and receive the ₹500 Amazon gift card.
- Make a minimum transaction of ₹100 within 30 days to activate reward eligibility.
Documents Required: PAN Card, Aadhaar Card, latest 3 months salary slips (salaried) or 2 years IT returns (self-employed), 3-6 months bank statements, passport-size photograph.
View FAQ
Commonly Asked Questions
Is the SBI Simply Click application online?
Yes. The full application including KYC can be completed online. You can also apply at SBI Card offices or through authorized dealers.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get 10X Reward Points at Myntra, Tata Cliq
Apollo 24x7, BookMyShow, IGP, and on e-Gift Voucher purchases at the Gyftr portal, on online spends counted within the 10,000 reward points monthly cap across accelerated categories
Get 5X Reward Points on all other Online Spends
capped at 10,000 reward points per calendar month across accelerated categories, after which spends earn 1 reward point per ₹100
Company
We value your time and privacy. Your details are secure and used only to assist you better.