SimplyCLICK Advantage SBI Card Review 2026: Fees, Rewards & Benefits

Check SimplyCLICK Advantage SBI Card features: 10X rewards on Amazon & BookMyShow, ₹499 annual fee, and milestone vouchers. Is it the best for online shopping?

Vyaya Team · Mar 2026

5 min read

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Value Score

7.2 / 10

Annual Fee

₹499

Best For

online-shopper, first-time-user

Network

Visa

Expert Verdict

REWARD SUMMARY

0.0625% Base Rewards
For the generation that's always online.

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The Bottom Line

The SimplyCLICK Advantage SBI Card is an excellent entry-level card for digital-first users. It offers high value for online transactions through its 10X and 5X reward tiers, though it lacks lifestyle perks like lounge access. With a ₹499 annual fee that is waived on ₹1,00,000 yearly spend, it offers 0% rewards on special rate and a welcome benefit worth ₹500. For anyone researching simplyclick advantage sbi card, the verdict is simple: recommended.

It earns a base reward rate of 0.0625% and stacks best when your spending lines up with online-shopper, first-time-user. The renewal fee gets easier to justify once you can hit ₹1,00,000 in yearly spend.

What we like

+10X Reward Points on online spends with partners like Amazon, Apollo 24/7, BookMyShow, Cleartrip, EazyDiner, Lenskart, and Netmeds.

+5X Reward Points on all other online spends, making it a versatile card for digital shoppers.

+Milestone vouchers worth ₹2,000 each on reaching ₹1 Lakh and ₹2 Lakh annual online spends.

+Low annual fee of ₹499 which is easily waived on spending ₹1 Lakh annually.

What we don't

–No airport lounge access (domestic or international).

–Low base reward rate of 0.25% on offline spends.

–Reward points are not earned on fuel, rent, and government transactions.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

online-shopper

High reward rates on major e-commerce and service platforms like Amazon and BookMyShow.

Best value above ₹10,000/month

first-time-user

Low entry barrier and the Advantage variant is often accessible against a Fixed Deposit.

Best value above ₹5,000/month

Probably not for

Skip

–

frequent-traveler

Lacks lounge access and travel-specific insurance or high-value travel rewards.

–

offline-spender

The reward rate for offline transactions is very low compared to online spends.

Is It Worth It For You?

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Reward Rates

SimplyCLICK Advantage SBI Card offers 0.0625% basic reward rate.

Quick Calculator

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Where

Amount

₹

Special Rate

Welcome Offer

Welcome Benefit

Value: ₹500

Milestone Benefits

Spend ₹100,000

Bonus Points

Spend ₹200,000

Bonus Points

Fees & Charges

Joining fee₹499

Annual fee₹499

Fee waiverSpend > ₹1,00,000

Eligibility

Min Income: ₹2 Lakhs
Min Credit Score: 700
Available for salaried and self-employed individuals. Often issued against a Fixed Deposit for those with limited credit history.

Exclusions & Terms

Fuel

Cash Withdrawal

Balance Transfer

Encash

Government Transactions

Digital Gaming Platforms

Wallet Loading

Frequently Asked Questions

3 data-backed answers from our card database

What is the difference between SimplyCLICK and SimplyCLICK Advantage?+

The Advantage variant is typically issued to customers who may not meet standard income criteria, often against a Fixed Deposit, but it carries the same reward structure and fees as the standard SimplyCLICK card.

How do I redeem SimplyCLICK reward points?+

Points can be redeemed for gift vouchers or products through the SBI Card rewards portal. 4 Reward Points equal ₹1.

Does this card offer fuel surcharge waiver?+

Yes, it offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.

Ready to apply?

₹499 fee. Excellent rewards. Apply now securely.

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