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The SBI SimplyCLICK is the go-to entry-level card for e-commerce shoppers in India. 10X reward points on Amazon, BookMyShow, FoodPanda, Lenskart, and Netmeds at a ₹499 annual fee. E-vouchers worth ₹2,000 when you hit ₹1L and ₹2L in annual spend effectively make it free.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 2.50% | — |
| Other | reward points | 0.25% | — |
Online Shopping: 10X points on partner sites · Amazon,Cleartrip,Lenskart,Netmeds,Swiggy
Other: 1X base points
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
₹500 Amazon voucher on spending ₹1L per year
Who is this card for?
- 🌱Entry tier — great for first-time and lower-spend users.
- 🎯Strongest value if you spend heavily on Online Shopping (2.50% back).
👍 Pros
- ✓10X points on Amazon, BookMyShow, Lenskart, Netmeds, and Cleartrip
- ✓Annual fee extremely low at ₹499
- ✓E-vouchers worth ₹2,000 at spend milestones effectively make it free
- ✓Lifetime free on ₹1L annual spend
👎 Cons
- ✕3.75% forex markup
- ✕Reward points require minimum 2,000 for redemption
Eligibility & documents
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
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
🔥 Live offers on this card
2 liveTransfer bonuses and promos running right now for this card's rewards.
Festive catalogue: points worth ₹0.35
Limited festive window — redeem SBI Reward Points on the gift catalogue at an improved ₹0.35/point. Redeem before the Apr-2026 statement-credit cap bites.
Ends 2026-06-25 · view offer ↗
Flights via SBI rewards portal — ₹0.50/point
Book flights through the SBI rewards portal to redeem at ₹0.50/point — double the statement-credit value before the Apr-2026 cap.
Ends 2026-06-28 · view offer ↗
Frequently asked questions
What is the annual fee for the SBI SimplyCLICK Credit Card?+
The annual fee is Rs 499, which is waived on annual spends of Rs 100000.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 18 years old with a minimum income of Rs 15000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI SimplyCLICK Credit Card are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 6 Jun 2026
EARN_RATE (cab) changed: 3.75% → 2.75%
- 📄 UpdateEffective 4 Jun 2026
New notice: Request For Card Closure
- 📄 UpdateEffective 4 Jun 2026
New notice: Raise a Dispute
- 📄 UpdateEffective 4 Jun 2026
New notice: Most Important Terms & Conditions
- 📄 UpdateEffective 4 Jun 2026
New notice: Key Fact Statement
- 📄 UpdateEffective 4 Jun 2026
New notice: Terms & Conditions
- 📄 UpdateEffective 4 Jun 2026
New notice: Download Forms
- 📄 UpdateEffective 4 Jun 2026
New notice: Address Change KYC
- 📄 UpdateEffective 4 Jun 2026
New notice: FAQs
- 📉 Reward rate changeEffective 1 Aug 2025
SBI SimplyCLICK partner list updated: Lenskart, Apollo 24|7, and Netmeds removed from 10X earn category. Standard 1X rate now applies to these merchants.
10X reward points on Lenskart, Apollo 24|7, and Netmeds→10X reward points on Amazon, BookMyShow, and Cleartrip only
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