← Part of SBI Credit Cards in India
The SimplyCLICK SBI Card is an entry-level credit card designed for online shoppers, offering a ₹500 Amazon Gift Card as a welcome benefit upon paying the ₹499 + GST joining fee. As of 2026, IT provides 10X reward points on partner brands like BookMyShow and Myntra, making IT a strong choice for digital spending.
| Parameter | Details |
|---|---|
| Card Type | Entry-level rewards credit card |
| Best Suited For | Online shoppers, especially with partner brands |
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived on ₹1 lakh annual spend) |
| Welcome Benefit | ₹500 Amazon Gift Card |
| Reward Points on Partner Spends | 10X Reward Points (on BookMyShow, Myntra, Cleartrip, Apollo 24/7, Domino’s, Netmeds, Swiggy, Yatra) |
| Reward Points on Other Online Spends | 5X Reward Points |
| Reward Points on Offline Spends | 1X Reward Point |
| Reward Point Value (2026) | 1 Reward Point = ₹0.25 |
| Reward Points Expiry (2026) | 24 months after accrual |
| Reward Rate on Exclusive Online Partners (2026) | 2.50% (10 points per ₹100 spent) |
| Reward Rate on All Other Online Spending (2026) | 1.25% (5 points per ₹100 spent) |
| Reward Rate on Offline Spending (2026) | 0.25% (1 point per ₹100 spent) |
| Contactless Payment Limit (2026) | Up to ₹5,000 without PIN (per RBI guidelines) |
| Outlets Accepting Card Globally (2026) | Over 24 million |
| Outlets Accepting Card in India (2026) | 3,25,000 |
| Accessible ATMs Globally (2026) | 1 million+ (Visa or MasterCard) |
| SBI Market Share in Active Credit Cards (FY25) | 19% |
This card is positioned as a practical first or second credit card for salaried individuals who prioritize digital shopping, offering significant value through its accelerated reward structure on specific e-commerce platforms.
SimplyCLICK Rewards & Benefits
The SBI SimplyCLICK Credit Card offers a ₹500 Amazon e-Gift Voucher as a welcome benefit upon joining fee payment. Cardholders earn 10X reward points on specific online partners, translating to a 2.50% rewards rate, and 5X points on other online spending, yielding a 1.25% rate. Milestone benefits include e-vouchers worth up to ₹4,000 annually for meeting spending targets.
| Benefit Type | Details | Value/Rate |
|---|---|---|
| Welcome Benefit | Amazon e-Gift Voucher (after joining fee payment) | ₹500 |
| Accelerated Reward Points (Exclusive Partners) | Online spending at Apollo 24/7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Swiggy, Yatra | 10X Reward Points (2.50% rewards rate, 10 points per ₹100 spent, 4 points = ₹1) |
| Accelerated Reward Points (Other Online Spends) | All other online purchases | 5X Reward Points (1.25% rewards rate, 5 points per ₹100 spent, 4 points = ₹1) |
| Standard Reward Points | All offline purchases | 1 Reward Point per ₹100 spent (0.25% rewards rate) |
| Milestone Benefit 1 | E-voucher (Cleartrip/Yatra) on annual online spending of ₹1,00,000 | ₹2,000 |
| Milestone Benefit 2 | E-voucher (Cleartrip/Yatra) on annual online spending of ₹2,00,000 | ₹2,000 |
| Annual Fee Waiver | On spending ₹1 lakh or more in the previous anniversary year | ₹499 (from 2nd year onwards) |
| Fuel Surcharge Waiver | On fuel transactions between ₹500 and ₹3,000 (exclusive of GST & other charges) | 1% |
| Reward Point Redemption Value | Redemption against products and gift vouchers in SBI Card’s reward catalog | 1 Reward Point = ₹0.25 |
| Reward Point Expiry | Validity of earned reward points | 24 months after accrual |
| Reward Point Exclusions | Rent payments, wallet loads, some government/utility payments, fuel (except surcharge waiver), EMI conversions, balance transfers, loan-on-card, cash withdrawals | No reward points |
| Contactless Payment Limit | Transactions without PIN, per RBI guidelines (as of 2026) | Up to ₹5,000 |
The SimplyCLICK SBI Card is particularly beneficial for online shoppers, offering a competitive reward rate of over 2% with annual spends of ₹2 lakh, especially through its milestone benefits.
SimplyCLICK Fees & Charges 2026
The SBI SimplyCLICK Credit Card carries an annual fee of ₹499 plus GST, which can be waived with annual spending of ₹1 lakh or more. Finance charges on unpaid balances are 3.75% per month, equivalent to 45% annually.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee | 499 + GST | One-time charge upon card activation. Includes a welcome gift of a ₹500 Amazon e-Gift Voucher. |
| Annual Fee | 499 + GST | Charged from the second year onwards. Waived if annual spending in the previous anniversary year exceeds ₹1 lakh. |
| Interest Rate (Finance Charges) | 3.75% per month (45% per annum) | Applicable from the transaction date on unpaid balances. Subject to change at SBI Card’s discretion. |
| Foreign Currency Markup Fee | 3.5% | Charged on the total transaction amount for international transactions. |
| Over-limit Transaction Fees | 2.5% of excess amount or ₹600 (whichever is higher) | Applicable for transactions exceeding the available credit limit. |
| Cash Advance Fee (Domestic) | 2.5% of the transaction amount or ₹500 (whichever is higher) | Charged for cash withdrawals from ATMs in India. |
| Cash Advance Fee (International) | 2.5% of the transaction amount or ₹500 (whichever is higher) | Charged for cash withdrawals from international ATMs. |
| Reward Redemption Fee | ₹99 | Applicable for each instance of reward point redemption. |
| Fuel Surcharge Waiver | 1% | Waived for fuel purchases between ₹500 and ₹3,000, subject to a maximum waiver per statement cycle. |
The annual fee waiver condition makes the SimplyCLICK card cost-effective for users who meet the ₹1 lakh annual spending threshold.
SimplyCLICK Eligibility Criteria
To apply for the SBI SimplyCLICK Credit Card in 2026, applicants must be Indian residents between 21 and 70 years old. A minimum monthly income of around ₹15,000 is generally required, along with a CIBIL score of 700 or higher.
- Nationality: Only Indian residents are eligible to apply for the SBI SimplyCLICK Credit Card.
- Age: Applicants must be between 21 and 70 years of age at the time of application.
- Income: A regular source of income is mandatory, with a typical minimum monthly income requirement of approximately ₹15,000.
- Credit Score: A good credit history is , generally requiring a CIBIL score of 700 or above for approval.
- Employment Status: Both salaried and self-employed individuals can apply, provided they meet the income and credit score criteria.
- Required Documents: Key documents include PAN Card, Aadhaar card, and proof of income (salary slips or IT returns).
Meeting these criteria increases the likelihood of approval for the SBI SimplyCLICK Credit Card, designed for online shoppers.
SimplyCLICK Application Process
Applying for the SBI SimplyCLICK Credit Card in 2026 is a straightforward online process for eligible Indian residents. Applicants must typically be between 21 and 70 years old, with a minimum monthly income often around ₹15,000. A CIBIL score of 700 or above is generally required for approval.
- Check Eligibility: Confirm you meet the age (21-70 years), nationality (Indian resident), income (around ₹15,000 monthly), and credit score (700+) requirements.
- Gather Documents: Prepare digital copies of your PAN Card, Aadhaar card, and income proof (salary slips, bank statements). Other accepted identity proofs include Driver’s License or Passport.
- Visit SBI Card Website: to the official SBI Card website and locate the SimplyCLICK Credit Card application page.
- Fill Online Application Form: Complete the detailed online form with personal, employment, and financial information. Ensure all details match your supporting documents.
- Upload Documents: Upload the required identity, address, and income proofs as specified on the application portal.
- OTP Verification: Verify your application using an OTP sent to your registered mobile number.
- Application Submission: Submit the completed form and documents. You will receive an application reference number for tracking.
- Verification and Approval: SBI Card will review your application and documents. This may include a tele-verification or physical document collection. Approved cards are typically dispatched within 7-10 working days.
The entire application process is designed for digital convenience, allowing most applicants to complete IT from home.
SimplyCLICK vs SBI Cashback Card
The SBI SimplyCLICK Credit Card focuses on online shopping rewards, offering 10X points on partner brands like Myntra and BookMyShow. In contrast, the SBI Cashback Card provides direct cashback, with 5% on all online spends (capped at ₹5,000 per month) and 1% on offline purchases, making IT simpler for broad spending.
| Feature | SimplyCLICK SBI Card | SBI Cashback Card |
|---|---|---|
| Card Type | Rewards-based credit card, focused on online shopping | Cashback credit card, offers direct cashback |
| Annual Fee (2026) | ₹499 + GST | ₹999 |
| Annual Fee Waiver | On annual spends of ₹1 lakh | On annual spends of ₹2 lakh |
| Welcome Benefit | ₹500 Amazon e-Gift Voucher (after joining fee payment) | No specific welcome gift; direct cashback structure |
| Online Spends Benefit | 10X reward points on partner brands (e.g., Myntra, BookMyShow, Cleartrip); 5X on other online spends | 5% cashback on all online spends (capped at ₹5,000 per month) |
| Offline Spends Benefit | Low reward rate (0.25%) | 1% cashback on all offline purchases |
| Lounge Access | No | No |
| Reward Point Value | 1 Reward Point = ₹0.25 (4 points = ₹1) | Direct cashback, no reward points |
| Reward Point Expiry | Points lapse in 2 years | Not applicable (direct cashback) |
While SimplyCLICK offers higher reward rates on specific online partners, the SBI Cashback Card provides a more straightforward cashback model across all spending categories, potentially offering better overall value for diverse spenders.
SimplyCLICK Reward Redemption
SBI SimplyCLICK Reward Points are redeemable against products and gift vouchers available in the SBI Card reward catalog. Each reward point holds a value of ₹0.25, meaning 4 points equal ₹1. Points expire 24 months after they are accrued, requiring redemption in multiples of 2,500 points.
- Redemption Value: Each SimplyCLICK Reward Point is valued at ₹0.25, allowing redemptions against a variety of products and gift vouchers.
- Reward Catalog: Points can be redeemed by logging into your SBI Card account and selecting items from the extensive reward catalog.
- Minimum Redemption: Users must accumulate a minimum of 2,500 reward points to initiate a redemption.
- Point Expiry: All earned reward points lapse after 24 months from their accrual date, so plan redemptions accordingly.
- Redemption Fee: A nominal reward redemption fee of ₹99 is applicable per transaction for SimplyCLICK cardholders.
Understanding these redemption rules helps maximize the value from your online spending with the SimplyCLICK Credit Card.
SimplyCLICK Important Terms
The SBI SimplyCLICK Credit Card is an entry-level card designed for online shoppers, offering specific terms for its features and usage. As of 2026, its reward points expire after 24 months from accrual, and contactless payments are capped at ₹5,000 without a PIN, per RBI guidelines.
- Reward Point Value: Each reward point earned on the SimplyCLICK SBI Credit Card is valued at ₹0.25, meaning 4 points equal ₹1.
- Reward Point Expiry: All accumulated reward points on the SimplyCLICK SBI Card lapse 24 months after they are accrued.
- Contactless Payment Limit: For transactions up to ₹5,000, cardholders can make contactless payments without entering a PIN, as per Reserve Bank of India guidelines (2026).
- Credit Limit: The SimplyCLICK SBI Credit Card does not have a fixed, pre-determined credit limit; IT is assigned based on the cardholder’s profile.
- Reward Redemption: Points can be redeemed against products and gift vouchers available in the SBI Card’s reward catalog, typically in multiples of 2,500 points.
- Global Acceptance: The SimplyCLICK SBI Card is accepted at over 24 million outlets worldwide and more than 3,25,000 outlets within India (2026).
Key Takeaways
- The SimplyCLICK SBI Card offers a reward point value of ₹0.25 per point, with points expiring after 24 months.
- Contactless transactions up to ₹5,000 are permitted without a PIN, adhering to RBI regulations (2026).
- The card is widely accepted globally at over 24 million outlets and 3,25,000 outlets in India.
For detailed terms and conditions, verify the latest information on the official SBI Card website before applying.
Frequently Asked Questions (FAQs)
What are the main benefits of the SBI SimplyCLICK Credit Card in 2026?
The SBI SimplyCLICK Credit Card primarily benefits online shoppers with accelerated reward points on partner brands like Amazon, BookMyShow, Myntra, and Cleartrip. You earn 10X reward points on these exclusive partners and 5X points on all other online spending. The card also offers milestone vouchers for annual online spends.
Does the SBI SimplyCLICK Credit Card offer lounge access?
No, the SBI SimplyCLICK Credit Card does not offer complimentary airport lounge access. IT is designed as an entry-level rewards card focused on online shopping benefits. For lounge access, you would need to consider higher-tier SBI credit cards like SBI Card PRIME or SBI Card Elite.
What is the annual fee for the SBI SimplyCLICK Credit Card in 2026?
The SBI SimplyCLICK Credit Card has an annual fee of ₹499, which is also charged as a joining fee. This annual fee can be waived if your total retail spending in the previous year exceeds ₹1 lakh. The card also offers a welcome benefit of a ₹500 Amazon Gift Card upon fee payment.
What is the reward rate on the SBI SimplyCLICK Credit Card for online purchases?
The SBI SimplyCLICK Credit Card offers a reward rate of 2.5% on exclusive online partners, where you earn 10 reward points per ₹100 spent (4 points = ₹1). For all other online purchases, the reward rate is 1.25%, translating to 5 reward points per ₹100 spent. Offline spending earns a lower rate of 0.25%.
What are the eligibility criteria for the SBI SimplyCLICK Credit Card?
To be eligible for the SBI SimplyCLICK Credit Card, applicants typically need to be between 21 and 60 years old with a stable monthly income. A CIBIL score of 750 or higher significantly improves approval chances. Both salaried and self-employed individuals can apply, subject to SBI Card’s internal policies.
How do I redeem reward points earned with the SBI SimplyCLICK Credit Card?
You can redeem your SBI SimplyCLICK Credit Card reward points through the SBI Card website or mobile app. Points can be converted into e-vouchers from various brands or used to pay outstanding credit card bills. Each reward point is generally valued at ₹0.25.
Are there any milestone benefits with the SBI SimplyCLICK Credit Card?
Yes, the SBI SimplyCLICK Credit Card offers milestone benefits for annual online spending. You receive an e-voucher worth ₹500 for achieving ₹1 lakh in online spending, and another e-voucher worth ₹500 if your online spending reaches ₹2 lakh within an anniversary year. These vouchers add extra value for frequent online shoppers.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.