SBI Simply Click Credit Card Review: Best Budget Shopping Card?
Jaspal Singh
Author
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.
How to Get the Most From the SBI SimplyCLICK
- Shop with the 10X partners (BookMyShow, Myntra, Apollo 24x7, Domino's) to earn the highest reward rate.
- Hit the ₹1 lakh and ₹2 lakh milestones to collect ₹2,000 e-vouchers at each — easy if it's your primary online card.
- Use it for other online spends at 5X (up to 10,000 points a month).
Fees, Charges & Eligibility
At just ₹499 + GST (waived on ₹1 lakh of annual spend), the SBI SimplyCLICK is one of the lowest-barrier online-shopping cards, and the ₹500 Amazon welcome voucher nearly covers the first-year fee.
Beyond the annual fee, keep in mind the costs common to every credit card: interest of roughly 3.5% a month (about 42% a year) on any unpaid balance, a late-payment fee, and GST on charges. The golden rule never changes — pay your statement in full each month and the card costs you little or nothing.
Eligibility is straightforward: you generally need to be 18 or older with a steady income and a credit score around 750+. You can apply online in minutes with your PAN, Aadhaar and income proof. New to credit? Read our credit cards guide and compare options in our best credit cards roundup.
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.
Apply for SBI Simply ClickDisclaimer: This review is for educational purposes only. We may earn a commission if you apply through our link, at no extra cost to you.
Frequently Asked Questions
Is the SBI SimplyCLICK good for beginners?
Yes — at ₹499 it's a low-cost entry card with strong online rewards, a ₹500 Amazon welcome voucher, and milestone vouchers worth up to ₹4,000.
How are the rewards structured?
10X points with partner brands and 5X on other online spends (capped at 10,000 points a month), plus milestone vouchers.
Can the fee be waived?
Yes, spend ₹1 lakh in a year to waive the ₹499 + GST fee.
Is it worth it for offline spends?
Less so — it is built for online shopping, so its value drops if most of your spending is in physical stores.
