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Last updated: 01-06-2026
SBI SimplyClick Credit Card
SBI Card

SBI SimplyClick Credit Card

"Best SBI card for online shoppers โ€” 10X rewards on BookMyShow, Myntra, Cleartrip, Apollo24X7 and more for just โ‚น499 per year"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Annual fee waived on spending โ‚น1 lakh or more in previous membership year
๐ŸŽฏ Best Suited For
Regular online shoppers using BookMyShow, Myntra, Cleartrip, Apollo24X7, Domino's or Netmeds; those wanting a simple online rewards card at the lowest annual fee
๐ŸŽ Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on 10X partners, 1.25% on other online)
๐ŸŽ‰ Welcome Benefit
โ‚น500 Amazon e-gift voucher on payment of joining fee
๐Ÿ’ฐ Reward Rate
10 RPs per โ‚น100 on exclusive online partners: BookMyShow, Apollo24X7, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra โ€” capped at 10,000 RPs per month; 5 RPs per โ‚น100 on all other online spends (1.25%); 1 RP per โ‚น100 on offline spends (0.25%); excludes fuel, EMI, wallet, utilities, rent, government
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
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โœ… Pros
  • 10X rewards on 8 popular online platforms
  • โ‚น500 Amazon welcome voucher nearly offsets joining fee
  • โ‚น4,000 annual travel vouchers on โ‚น2L online spend milestone
  • 5X on all other online (1.25%) โ€” better base online rate vs SimplySAVE
  • Low โ‚น499 fee with easy waiver
  • Accessible eligibility
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Only 0.25% on offline spends โ€” very poor
  • Redemption fee โ‚น99 per request
  • 10X partners are specific โ€” may not suit all users
  • SBI Cashback Card offers flat 5% online at same fee โ€” often better choice

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on 10X partners, 1.25% on other online)
Welcome Benefits
โ‚น500 Amazon e-gift voucher on payment of joining fee
Reward Rate
10 RPs per โ‚น100 on exclusive online partners: BookMyShow, Apollo24X7, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra โ€” capped at 10,000 RPs per month; 5 RPs per โ‚น100 on all other online spends (1.25%); 1 RP per โ‚น100 on offline spends (0.25%); excludes fuel, EMI, wallet, utilities, rent, government
Reward Redemption
SBI Card website or app: gift vouchers, merchandise, statement credit; 1 RP = โ‚น0.25; redemption fee โ‚น99 + GST; RPs valid 2 years
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น100 per month
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น1 lakh spend in previous membership year
Milestone Benefits
โ‚น2,000 Cleartrip or Yatra e-voucher on reaching โ‚น1 lakh online spend in membership year; additional โ‚น2,000 voucher on โ‚น2 lakh online spends โ€” maximum โ‚น4,000 in vouchers per year
Other Benefits
Flexipay EMI on transactions above โ‚น2,500; Easy Bill Pay; balance transfer; add-on cards for family

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
10X on 8 partner platforms; โ‚น500 Amazon welcome; โ‚น4,000 annual travel vouchers on milestone spend

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น1 lakh or more in previous membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Redemption fee โ‚น99 + GST; 10X cap 10,000 RPs per month on partner brands; RPs valid 2 years

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โ‚น20,000; Indian resident; CIBIL 650+
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Typically โ‚น20,000 to โ‚น2 lakh based on income

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay: convert above โ‚น2,500 to EMI; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 and 39 02 02 02 (prefix STD); 24x7
Chat / Email Support
Chat via SBI Card app; ILA chatbot; email: customercare@sbicard.com
Mobile App
SBI Card app: track spends, pay bills, Flexipay, redeem rewards, milestone tracking
Online Banking
Full management via SBI Card website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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