SBI SimplyCLICK Credit Card
The SBI SimplyCLICK is the entry-level online shopping card done right — 10X on a set of online partner brands (BookMyShow, Apollo 24|7, Dominos, IGP, Myntra, Yatra, Netmeds and Cleartrip), 5X on all other online spend, and 1X offline, plus twice-yearly Cleartrip/Yatra vouchers worth ₹2,000 each at ₹1 lakh and ₹2 lakh that reliably return several times the ₹499 fee (waived at ₹1 lakh). Note Amazon was dropped from the 10X partner list — it now earns the ordinary 5X online rate (a ₹500 Amazon welcome voucher remains). With SBI points around ₹0.25, the 10X works out to roughly 2.5% on partner brands. Still one of the better budget online cards; upgrade to SBI Cashback once your online spend grows.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
2.5% on Online Shopping
10X (~2.5% at ₹0.25/point) on online partner brands; 5X (~1.25%) on all other online spend including Amazon. SBI caps 10X and 5X SEPARATELY at 10,000 points a calendar month each — we apply one cap to the merged row, so a user maxing both is credited a little high
0.2% on Other
1X (~0.20%) on offline spends. Cleartrip/Yatra ₹2,000 milestone vouchers land at ₹1 lakh and ₹2 lakh of annual ONLINE spend — not total spend. The ₹500 Amazon voucher is a welcome gift on annual-fee payment, and SBI reissues it each year the fee is paid
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹1,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Milestone Bonus
~₹2,000 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 2.5% | ₹2,500 |
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹4,600/yr in total.
milestone bonus ~ ₹2,000 /yr
₹2,000 Cleartrip or Yatra e-voucher at ₹1 lakh of annual ONLINE spend. The threshold is online spend only, but the engine compares it against total annual spend, so treat this as an upper bound
milestone bonus ~ ₹2,000 /yr
A second ₹2,000 Cleartrip or Yatra e-voucher at ₹2 lakh of annual ONLINE spend — again, online spend only
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver on transactions of ₹500–₹3,000 at all petrol pumps, capped at ₹100 per statement cycle
Milestone ladder
- 1₹1,00,000 a year₹2,000 of value
- 2₹2,00,000 a year₹2,000 of value
Should you get it?
Best for: First-time card users, Low to moderate spenders
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Online Shopping ( 2.5% back).
✓ Pros
- 10X points on BookMyShow, Myntra, Cleartrip, Netmeds and other online partners (Amazon now earns 5X)
- Annual fee extremely low at ₹499
- Cleartrip/Yatra vouchers worth ₹4,000 at spend milestones effectively make it free
- ₹499 fee waived at ₹1L annual spend
✕ Cons
- 3.5% forex markup
- Reward points require minimum 2,000 for redemption
Eligibility & documents
Age
18 –60 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern Amazon is no longer a 10X partner (now 5X), and SBI points at ~₹0.25 keep the effective rate modest — heavy spenders will outgrow it for the SBI Cashback card.
The bottom line
SBI SimplyCLICK remains a strong contender among entry-level e-commerce credit cards, offering 10X points on partner merchants, 5X on general online spends, and dependable ₹2,000 milestone vouchers that easily eclipse its ₹499 fee. Keep in mind that Amazon now earns at the 5X tier rather than 10X, making this card ideal for moderate online spenders before stepping up to higher-tier cashback cards.
Sources & verification
Fees, reward rates, and benefits for the SBI SimplyCLICK Credit Card are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2015 · 7 changes · last change Aug 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 2 changes — 1 cut, 1 improvement
▲ Reward Effective 1 Aug 2025
Swiggy reinstated as a 10X partner
5X → 10X
Effective August 2025, SBI reinstated Swiggy to the SimplyCLICK 10X reward-partner roster, reversing the 1 April 2025 cut, and added Gyftr as a new 10X partner from 1 August 2025.
Verification: SBI Card ↗ · Confidence: High
▼ Reward Effective 1 Apr 2025
Swiggy dropped from 10X to 5X
10X → 5X
Effective 1 April 2025, Swiggy spends were revised from 10X to 5X reward points, leaving eight 10X partners: Apollo 24X7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds and Yatra.
Verification: SBI Card ↗ · Confidence: High
2023 3 changes — 3 cuts
▼ Reward Effective 1 Nov 2023
EazyDiner dropped from 10X to 5X
10X → 5X
SBI Card revised EazyDiner spends from 10X to 5X reward points, removing another brand from the accelerated partner roster.
Verification: SBI Card ↗ · Confidence: Reconstructed
▼ Redemption Effective 6 Jan 2023
Milestone e-vouchers restricted to a single transaction
From 6 January 2023 the Cleartrip/Yatra milestone e-vouchers had to be redeemed in one transaction and could no longer be clubbed with other offers or vouchers, reducing redemption flexibility.
Verification: CardAdvisor Research · Confidence: Reconstructed
▼ Reward Effective 1 Jan 2023
Amazon dropped from 10X to 5X
10X → 5X
SBI Card revised Amazon.in spends from 10X to 5X reward points, halving the flagship online earn rate. Amazon has earned only the ordinary 5X online rate ever since — the card is no longer "the Amazon card".
Verification: SBI Card ↗ · Confidence: High
2021 1 change — 1 cut
▼ Reward Effective 2021
Amazon 10X withdrawn on utility bills and recharges
The 10X reward-point accelerator on Amazon.in was restricted so it no longer applied to utility-bill payments and mobile/DTH recharges — an early trim to Amazon earning ahead of its full downgrade.
Verification: CardAdvisor Research · Confidence: Reconstructed
2015 1 change — 1 neutral
◆ Launch Effective 15 Sept 2015
SimplyCLICK launches as SBI's online-shopping card
SBI Card launched SimplyCLICK, pitched as India's first credit card built for online shopping — 10X reward points at partner brands, 5X on other online spend, 1X offline, at a ₹499 annual fee. Original launch partners were Amazon India, BookMyShow, Cleartrip, FabFurnish, FoodPanda, Lenskart and Ola Cabs.
Verification: CardAdvisor Research · Confidence: Reconstructed
↓ Show all 7 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: SBI SimplyCLICK Credit Card value timeline — CardAdvisor
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Quick summary
Type Entry credit card
Reward rate 0.2%–2.5%
Best for First-time card users
Joining fee ₹499
Annual fee ₹499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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280 cards analysed — August 2026
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