SBI SimplyCLICK Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

SBI SimplyClick Credit Card is an entry level reward points based credit card of SBI. At one point of time, this credit card used to be popular credit card for online shopping. However, with the entry of much better real cashback credit cards in the market and due to some devaluations, this card has lost its popularity. However, since instant discount offers of SBI on popular online shopping sites such as Flipkart, Amazon, Myntra etc. are very frequent, this card is still a useful card to keep.Its should be noted that SBI Cashback Credit Card would not be eligible for instant discount offers of SBI. Therefore, online shoppers keep this credit card for getting SBI's instant discount offers.

Pros

SBI's instant discount offers on online shopping sites and even offline stores are very frequent. This credit card is eligible for such discounts
Reward points can be redeemed against Amazon Pay gift card which has good acceptability even outside Amazon.

Cons

Valueback rates are very low if compared with other popular credit cards with similar fee.

Fees & Charges

Joining / Annual Fee ₹ 589

Renewal Fee ₹ 589

Annual Spend Target for Fee Waiver ₹ 100,000

Minimum Annual Income Required ₹ 24,999

Rewards and Benefits

Reward Rate

2.5% on partner brands, 1.25% on online spend, 0.25% on offline spend

Base Reward Rate

0.25%

Accelerated Reward Rate

2.5%

Welcome Benefits

Rs.500 Amazon Giftcard on payment of Joining Fee

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Accelarated Reward Points: 10x Reward Points on 8 partner brands (Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra). You get 10 reward points on spend of every Rs.100 on these brands. This equals to 2.50% value back.
Online Spend: 5x Reward Points on all online spend. You get 5 reward points on spend of every Rs.100 on these brands. This equals to 1.25% value back.
Other Spend: 1 Reward Point on every Rs.100 Spend on offline spend. This equals to 0.25% value back.
No reward points on utility bill payments done even on partner brands like Amazon.
Maximum 1000 Reward Points at 10x and 5x rates. Thereafter, you get 1 Reward Points per Rs.100 Spend.
10x Reward points are not applicable if transactions are done through any affiliate marketing site such as Cashkarro, HDFC SmartBuy, Axis GrabDeals etc.
No reward points if there is any instant discount offer on using SBI Credit Card.

Milestone Benefits

Get gift-card worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively.
Giftcard Brand : Cleartrip / Yatra

Online and Offline Discount Offers: SBI Credit Cards' instant discount offers on online and offline shops are very frequent. SBI SimplySave Credit Card is eligible for such instant discount offers.

Rewards Redemption

Reward points can be redeemed against Amazon Pay Giftcard at 1 Reward Point = Rs.0.25 value. You get Amazon Pay Giftcard of Rs.500 denomination against 2000 reward points. There are other redemption options such as ClearTrip gift card etc. but are not so useful.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

No lifestyle benefits

Features & Benefits

Reward Points

Utility Bills

Insurance

Education

Gift Cards

Jewellery

Cashback

Airmiles

Airport Lounge

NPS

Government Payment

Fuel

Rent

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

No reward points on following

Fuel
Cash Advance
Flexipay (EMI)

Ratings & Reviews

2.5

Overall Rating

Reward Rate

3/5

Lifestyle Benefits

1/5

Ease of Reward Redemption

3/5

Value For Money

3/5

Customer Service

3/5

Detailed Review

The SBI SimplyClick Credit Card, with its annual fee of Rs. 589 (including GST), might not seem appealing compared to other real cashback credit cards that offer higher cashback rates. For everyday use, it may not be the most rewarding option. However, its value lies in the frequent instant discount offers provided by SBI, for which this card is always eligible. These offers can add significant value, making it worthwhile to keep the card, even if it's not your primary choice for regular spending.