SBI Simply Click Credit Card Review: Best Budget Shopping Card?
Jaspal Singh
Author
Affiliate Disclosure: Some links on this page are partner links. If you apply for a card through them, Your Finances may earn a commission at no extra cost to you. We are not affiliated with, and are not paid by, the card issuer to write favourably. Fees and features are taken from the issuer's own published terms and can change without notice — always confirm on the issuer's website before applying. Nothing here is personalised financial advice.
At ₹499 a year, the SimplyCLICK SBI Card is one of the cheapest entry points into a proper rewards card in India. It advertises 10X reward points on online spending, which sounds enormous until you ask what a reward point is worth — a number SBI does not print on the product page.
So we are going to judge this card on the parts SBI does quantify in rupees: the welcome gift, the milestone vouchers and the fee reversal. Those three alone tell you almost everything you need to know, and they make a stronger case for the card than the 10X headline does.
Year one costs almost nothing
Stack the verified rupee amounts against the verified fee:
| Item | Value |
|---|---|
| Annual fee | −₹499 + taxes (about ₹589) |
| Welcome gift: Amazon.in e-Gift Card, on payment of the annual fee | +₹500 |
| Milestone voucher at ₹1,00,000 of annual online spends | +₹2,000 |
| Renewal fee reversal at ₹1,00,000 of annual spends | +₹499 |
The welcome voucher alone nearly cancels the joining fee — you pay about ₹589 and immediately receive ₹500 of Amazon credit, a net cost of roughly ₹89 before you have earned a single point.
Reach ₹1,00,000 of online spending in the year — about ₹8,300 a month — and you collect a ₹2,000 voucher and next year's fee is reversed. Push to ₹2,00,000 of online spends and a second ₹2,000 voucher arrives.
That is ₹4,000 of vouchers on ₹2,00,000 of online spending — a flat 2%, entirely separate from whatever the reward points turn out to be worth. For a ₹499 card, that is a strong floor.
The catch on those vouchers
The milestone e-vouchers are for Cleartrip or Yatra only. They are travel vouchers, not cash and not general retail credit. If you book flights or hotels at least occasionally, they are as good as money. If you never travel, ₹4,000 of the card's headline value is worth whatever you can actually use — possibly nothing.
Note too that the milestones are measured on online spends specifically, while the fee reversal is stated against annual spends. Read those two thresholds as separate tests.
The reward structure
| Where you spend | Reward points |
|---|---|
| Online, with the named partners | 10X |
| All other online spends | 5X |
| Everything else | 1 point per ₹100 |
The 10X partner list, per SBI: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata CLiQ.
It is a well-chosen list — food delivery, medicines, movies, travel and fashion cover a lot of ordinary online spending. The 5X rate on all other online spends is the underrated part, because it means you are not punished for shopping outside the partner set.
What SBI does not state on this page is the rupee value of a reward point. Without that, "10X" is a ratio, not a return, and we are not going to convert it into a percentage we cannot source. Check the Most Important Terms and Conditions for the current redemption value before you decide how much the points are worth to you — and note that points-based value is the part of any card most likely to be revised downwards over time.
The rest of the fee position
| Charge | Amount |
|---|---|
| Annual fee | ₹499 + taxes |
| Renewal fee | ₹499 + taxes from the second year |
| Renewal fee reversal | Annual spends of ₹1,00,000 or more |
| Add-on card fee | Nil |
| Fuel surcharge waiver | 1% on transactions ₹500–₹3,000, maximum ₹100 per statement cycle |
The ₹1,00,000 reversal threshold is half what SBI asks on its CASHBACK SBI Card, which is a meaningful difference for a moderate spender. SimplyCLICK is designed to be attainable.
There is also a secured variant, marketed as SimplyCLICK Advantage, for applicants who cannot get an unsecured card — the same principle as an FD-backed card, where a deposit stands as security.
Pacing the milestones actually matters
Because the big rupee benefits are milestone-based rather than proportional, when you spend changes what you get. The thresholds are ₹1,00,000 and ₹2,00,000 of online spending in a year.
| Annual online spend | Vouchers earned | Effective voucher return |
|---|---|---|
| ₹90,000 | ₹0 | 0% |
| ₹1,00,000 | ₹2,000 | 2.0% |
| ₹1,90,000 | ₹2,000 | 1.05% |
| ₹2,00,000 | ₹4,000 | 2.0% |
Two things follow. Land at ₹90,000 and you get nothing at all — the last ₹10,000 of spending is worth ₹2,000 to you, an effective 20% on that final slice. If you are near a threshold as the year closes, bringing a planned purchase forward is worth real money.
Equally, sitting at ₹1,90,000 is the worst place to be: you have spent nearly twice as much as the first milestone required but collected the same ₹2,000. The card rewards deliberate pacing far more than most, and it is worth knowing your own anniversary date rather than the calendar year.
SimplyCLICK or CASHBACK SBI Card?
These are the two obvious SBI choices for an online shopper, and they suit different people:
| SimplyCLICK | CASHBACK SBI Card | |
|---|---|---|
| Annual fee | ₹499 | ₹999 |
| Fee reversal threshold | ₹1,00,000 | ₹2,00,000 |
| Return type | Reward points + travel vouchers | Direct cashback |
| Best online rate | 10X with named partners | 5% at any merchant |
| Milestone benefits | ₹2,000 vouchers at ₹1L and ₹2L online | None |
Take SimplyCLICK if you spend moderately, shop with the partner brands, and will use Cleartrip or Yatra vouchers. Take the CASHBACK card if you spend more, shop across many merchants, and would rather have cash in your account than points and travel credit.
Verdict
The best-value entry-level card SBI offers, and the reason is not the 10X headline — it is that the welcome gift almost erases the first-year fee, the ₹1,00,000 reversal threshold is realistically attainable, and the milestone vouchers add a verifiable 2% on top for anyone who travels.
Its weakness is transparency: the whole reward proposition rests on a point value that is not on the page. Treat the vouchers and the fee reversal as the real return, and consider any points on top of that a bonus.
For alternatives across issuers see our best credit cards in India guide, and the credit cards guide if this would be your first card.
Frequently Asked Questions
What is the SimplyCLICK annual fee?
₹499 plus taxes, both as a joining fee and as an annual renewal fee. It is reversed if your annual spends reach ₹1,00,000.
Which merchants give 10X reward points?
Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata CLiQ. All other online spending earns 5X, and offline spending earns 1 point per ₹100.
What is a SimplyCLICK reward point worth?
SBI does not publish the redemption value on the card's product page, so "10X" describes a multiple rather than a percentage return. The current value is in the Most Important Terms and Conditions.
How do the milestone vouchers work?
You receive e-vouchers worth ₹2,000 on reaching ₹1,00,000 of annual online spends, and another ₹2,000 at ₹2,00,000. The brands are Cleartrip and Yatra, so they are usable for travel bookings only.
Is the welcome gift worth taking the card for?
It materially changes year one — a ₹500 Amazon.in e-gift card against a fee of roughly ₹589 including GST means the first year costs you under ₹100 net. It is issued on payment of the annual fee.
Is there a version for people without a credit history?
Yes. SBI offers a secured variant, SimplyCLICK Advantage, which works against a deposit rather than an income and credit assessment.
Does fuel earn rewards on this card?
Fuel gets a 1% surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle, rather than accelerated points.
Part of our study: this card is one of ten examined in What Indian Credit Cards Claim vs What Their Own Numbers Show — a comparison of advertised annual value against each issuer's own published caps, point values and value charts.
Disclaimer: Fees, reward multiples, partner brands and milestone benefits in this review were taken from SBI Card's published SimplyCLICK SBI Card page on 28 July 2026 and can change without notice. Reward point redemption values are set out in the Most Important Terms and Conditions and have not been reproduced here. This is general information, not personalised financial advice. Confirm all terms with the issuer before applying.
