State Bank of India SimplyCLICK SBI Card Credit Card Review
Online Shopping card
The State Bank of India SimplyCLICK SBI Card has a ₹499 annual fee + GST, waived on ₹1,00,000 annual spend. It earns 0.25% back on regular spends and up to 2.5% on Apollo 24|7. Best for: online shoppers wanting a cheap card with partner-merchant boosts — our verdict: recommended.
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The SBI SimplyCLICK is a low-cost online-shopping card whose 10X partner-merchant earning, annual travel vouchers and Rs. 500 welcome benefit deliver good value for online-heavy spenders at a Rs. 499 fee waived from just Rs. 1 lakh spend. The 0.25-per-point value, no lounge access and 3.5% forex markup limit it to that online niche.
Online Shopping card
The Bottom Line
The SimplyCLICK SBI Card is built for online shopper and first-time card user. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 2.5% rewards on apollo 24|7 and fuel surcharge waiver. It makes the most sense if your spending matches online shopper and first-time card user.
It earns a base reward rate of 0.25% and stacks best when your spending lines up with Online shopper, First-time card user. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who shops with partner merchants like Swiggy, Myntra and BookMyShow and wants 10X earning plus annual travel vouchers on a very low Rs. 499 fee.
A budget user who values the Rs. 500 welcome Amazon voucher and an easy Rs. 1 lakh fee-waiver mark.
Probably not for
SkipAnyone spending mostly offline or on excluded categories earns just 0.25% back, well below dedicated cards.
With no lounge access and a 3.5% forex markup, it offers nothing for travel or foreign spend.
Is It Worth It For You?
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Reward Rates
SimplyCLICK SBI Card offers 0.25% basic reward rate.
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Welcome Offer
Milestone Benefits
E-voucher worth Rs.2,000 (from Cleartrip or Yatra) on cumulative online spend of Rs.1,00,000 in a year.
Additional e-voucher worth Rs.2,000 (from Cleartrip or Yatra) on cumulative online spend of Rs.2,00,000 in a year.
Fees & Charges
Eligibility
- Min Income: ₹2.4 Lakhs
- Min Credit Score: 750
- Age 21-70; salaried or self-employed; min monthly income Rs. 20,000 (Rs. 2.4L p.a.); online-shopping rewards card.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advance
- Not included in the Reward Points program.
Balance Transfer
- Not included in the Reward Points program.
Encash / Flexipay (EMI conversion)
- Not included in the Reward Points program.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the State Bank of India website.
Apply on State Bank of India →We may earn a commission if you apply through this link. It never affects our ratings.
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