By Shubham Sharma
Updated On October 12, 2021

SBI SimplyCLICK Credit Card is an entry-level shopping credit card by SBI Card. It is one of the most popular SBI credit cards in the entry-level segment, especially amongst the first-time cardholders. The card is best suited for online shopping as you get a high reward rate of 2.5% at some of the most popular online shopping/travel websites including Amazon, Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout and Lenskart.

As far as other online and offline spends are concerned, you get a decent reward rate of 1.25% on other online spends and 0.25% on all offline spends. Being an entry-level offering with an annual membership fee of just Rs. 499, SBI SimplyCLICK Credit Card doesn’t offer any value-added travel/dining/movie benefits that you get with most lifestyle and premium credit cards. Read on to learn more about SBI SimplyCLICK Credit Card.

Best Suited For

Shopping |

Joining Fee

Rs. 499 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Amazon gift voucher worth Rs. 500 as a welcome benefit.
  • E-voucher from ClearTrip worth Rs 2,000 on annual spends of Rs 1,00,000 and Rs 2,00,000 each
  • 10X Reward Points on online spendings at partner merchants including popular websites like Amazon, BookMyShow, Apollo24x7, etc.
  • 5X Reward Points on all other online spends.
  • 1 Reward Point per Rs. 100 on all offline spends except fuel.
  • Annual fee waiver of Rs. 499 on the annual spending of Rs 1,00,000.
  • 1% fuel surcharge waived off for transactions between Rs. 500 and Rs. 3,000 (max waiver of Rs. 100 per month).

Rewards and Benefits

Welcome Benefits

Amazon gift voucher worth Rs. 500

Movie & Dining

10x points on BookMyShow.

Rewards Rate

1 Reward Point per Rs. 100 on offline spends (reward rate = 0.25%), 10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Apollo24x7, etc.) (reward rate = 2.5%), 5X Reward Points on other online spends (reward rate = 1.25%)

Reward Redemption

Reward Points redeemable for gift vouchers on sbicard.com or SBI mobile app or for paying the card’s outstanding balance, 1 Reward Point = Rs. 0.25

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Cardholder shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank

Fees & Charges

Joining Fee

Rs. 499 (plus applicable taxes)

Renewal Fee

Rs. 499 (plus applicable taxes)

Spend based Waiver

Annual fee waiver of Rs. 499 on the annual spendings of Rs 1,00,000

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.5% per month (42% per annum)

Fuel Surcharge

1% fuel surcharge waived off on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 100 per month)

Cash Advance Charge

2.5% of the withdrawal amount subject to a minimum charge of  Rs. 500 per transaction

Add-on Card Fee

Nil

SBI SimplyCLICK Credit Card Welcome Benefits:

You get an Amazon gift voucher worth Rs. 500 as a welcome benefit on the realization of the card membership fee.

SBI SimplyCLICK Credit Card Milestone Benefits:

  • E-voucher worth Rs. 2,000 from ClearTrip on an annual expenditure of Rs. 1 lakh with the card.
  • Another e-voucher worth Rs. 2,000 from ClearTrip on an annual expenditure of Rs. 2 lakh with the card.
  • The annual membership fee is waived off on an annual expenditure of Rs. 1 lakh with the card.

SBI SimplyCLICK Credit Card Rewards:

  • 1 Reward Point per Rs. 100 with the card on offline spends (reward rate of 0.25%).
  • 10X Reward Points (10 Points per Rs. 100) on online spends at partner merchants including popular names like Amazon, Cleartrip, BookMyShow, Dineout, Lenskart, Apollo24x7 and Netmeds (reward rate of 2.5%). 10X Reward Points benefit not applicable on Gift Card purchases, utility bill payments and recharges on Amazon.
  • 5X Reward Points on all other online spends with the card (reward rate of 1.25%).
  • A max cap of 10,000 Reward Points per month is applicable on the Bonus (at 5X or 10X rate) Reward Points that can be earned on online spends with the card.

Reward Redemption:

The Reward Points earned on the card can be redeemed for-

  • gift vouchers on sbicard.com or SBI mobile app.
  • paying the card’s outstanding balance.

1 Reward Point = Rs. 0.25.

Fuel Surcharge Waiver:

1% fuel surcharge is waived off at all filling stations across India on transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 100 per month).

Conclusion

Being a highly rewarding credit card for online shoppers (particularly at partner merchants), SBI SimplyCLICK Credit Card is one of the best offerings for young millennials who love shopping online. Since it is an entry-level credit card with a low membership fee of just Rs. 499 per year, it is also one of the best cards for first-time cardholders. What’s your take on this entry-level offering by SBI Card? Do let us know in the comments. If you’re an existing cardholder, feel free to share your experience for the benefit of others.

FAQs:

You are charged an annual membership fee of Rs. 499 (plus applicable taxes) for the SBI SimplyCLICK Credit Card.

0You get 10x Reward Points (1 per Rs. 100) on online spends at partner merchants’ websites- Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and UrbanClap, 5x Reward Points (5 per Rs. 100) on all other online spends and 1 Reward Point per Rs. 100 on offline spends with the card.

3.50% p.m. (42% per annum)

The Reward Points earned on SBI SimplyCLICK Credit Card (or on any credit card by SBI Card) are valid for a period of 2 years (24 months).

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