SBI SimplyCLICK Credit Card
Best for online shoppers on a budget. 10X RP per Rs 100 on partners (BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds, Swiggy, Tata CLiQ, Cleartrip); 5X on other online; 1 RP per Rs 100 offline. 4 RP = Rs 1
Terms as of 2026-08-19 · Checked 28 September 2026SBI SimplyCLICK Credit Card at a glance
Who it suits: Online shoppers on a budget
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10X RP per Rs 100 on partners (BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds, Swiggy, Tata CLiQ, Cleartrip); 5X on other online; 1 RP per Rs 100 offline. 4 RP = Rs 1 |
| Caps & exclusions | 10X and 5X each capped at 10,000 RP/month |
| Welcome benefit | Rs 500 Amazon gift voucher; milestone e-vouchers Rs 2,000 each at Rs 1 lakh and Rs 2 lakh annual spend |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹300 | ₹300 |
| ₹3,00,000 / year | ₹750 | ₹750 |
| ₹6,00,000 / year | ₹1,500 | ₹1,500 |
| ₹12,00,000 / year | ₹3,000 | ₹3,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | None |
| Fuel surcharge | 1% waiver on Rs 500-3,000 transactions, max Rs 100/month |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + GST |
| Annual / renewal fee | ₹499 + GST |
| Fee waiver | Annual fee reversed on Rs 1 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Age 21-70 |
| Age | 21-70 (per card pages) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the SBI SimplyCLICK Credit Card?
Joining fee ₹499 and annual fee ₹499 (plus 18% GST). Annual fee reversed on Rs 1 lakh annual spend.
What rewards does it offer?
10X RP per Rs 100 on partners (BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds, Swiggy, Tata CLiQ, Cleartrip); 5X on other online; 1 RP per Rs 100 offline. 4 RP = Rs 1 Caps/exclusions: 10X and 5X each capped at 10,000 RP/month
Does it give airport lounge access?
None
Who is eligible?
Age 21-70. A CIBIL score of 750+ improves approval chances.
Is the SBI SimplyCLICK Credit Card good for me?
Best for: Online shoppers on a budget. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-08-19. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on SBI Card’s website before applying. FinancePortal is not affiliated with the issuer.