SBI Simply Click Credit Card Review: Best Budget Shopping Card?

SBI Simply Click at a Glance

Feature	Details
Annual Fee	₹499 + GST (waived on ₹1L annual spend)
Partner Rewards	10X (BookMyShow, Myntra, Apollo, Domino’s)
Other Online	5X rewards (cap 10,000 pts/month)
Welcome Benefit	₹500 Amazon voucher
Milestone Benefit	₹2,000 voucher on ₹1L and ₹2L spend
Fuel Surcharge Waiver	1% (up to ₹100/month)

What We Like

• 10X on partners is excellent value. BookMyShow, Myntra, Apollo 24x7, Domino’s — common spending categories for young users.
• ₹500 Amazon voucher on joining. The welcome benefit nearly covers the first year’s fee.
• Milestone vouchers worth ₹4,000. Spend ₹1L and ₹2L for e-vouchers. Easy to hit if it’s your primary card.
• At ₹499, the barrier is very low. Great entry point for budget-conscious shoppers.

What Could Be Better

• Reward points, not direct cashback. Redemption value varies depending on how you redeem.
• 5X cap of 10,000 points/month is limiting. That’s ₹2 lakh in spending to max out.
• Partner list is narrow. No Amazon, no Flipkart, no Swiggy. If those are your main apps, look elsewhere.

Our Verdict

An excellent budget card for entry-level users who shop on Myntra, order Domino’s, and book movies. The milestone benefits add genuine value. But if Amazon and Flipkart are your thing, the HDFC Millennia wins.

Rating: 3.9/5 — Great budget option, limited partner coverage.

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