SBI SimplyCLICK Credit Card
By WhichWise Editorial Team · Verified ·
A entry Mastercard card with 13+ partner merchants. We break down whether the 0.25% return rate justifies the ₹499 annual fee.
SBI Card
By WhichWise Editorial Team · Verified ·
A entry Mastercard card with 13+ partner merchants. We break down whether the 0.25% return rate justifies the ₹499 annual fee.
6 spending categories earn zero rewards (including fuel, rent).
The SBI SimplyCLICK Credit Card is SBI Card's ₹499-a-year reward points credit card with about 0.25% base rewards on everyday spend. Best for ₹1-2l annual spenders.
Quick Decision
Reward earnings only, at the everyday spend mix: milestone vouchers and lounge value are tracked separately in the sections below. 6 categories (fuel, rent, wallet load, etc., see Excluded list) earn 0% and are NOT in this range.
Casual users hit the lower end; engaged users hit the upper end.
See full analysisPros & Cons
A balanced look at what this card does well and where it falls short.
- Fee waived on ₹1.0L annual spend
- Welcome bonus worth ₹400
- Fuel transactions excluded from rewards
- Rent payments excluded from rewards
- 6 spending categories excluded
- High forex markup: 3.5%
- No lounge access
Our editorial take on this card
What works
The 10X tier hits where entry-tier online shoppers actually spend: food delivery (Swiggy, Dominos), fashion (Myntra, Tata Cliq), travel booking (Cleartrip, Yatra), movies (BookMyShow), pharmacy (Apollo 24x7, Netmeds), and gifting (IGP, Gyftr). At 10 points per Rs.100 valued at Rs.0.25 each, that is 2.5% net, with no spend ceiling on the 10X tier itself - the 10,000-point monthly cap only applies to the 5X 'all other online' bucket. The Rs.499 + GST sticker (~Rs.589 total) is one of the cheapest 10X cards on the Indian market - HDFC MoneyBack Plus matches the fee (Rs.500) but only gives 10X on 5 partners (Amazon, Flipkart, Swiggy, Reliance Smart Bazaar, BigBasket). Hit Rs.1 lakh of annual online spend and you earn a Rs.2,000 e-voucher; cross Rs.2 lakh and a second Rs.2,000 voucher is issued - Rs.4,000/year in face-value Cleartrip/Yatra travel vouchers stacked on top of the points -- closed-loop e-vouchers redeemable only on those two platforms, so discount them mentally if your travel booking lives elsewhere (MakeMyTrip, Booking.com, ixigo) since brand vouchers carry redemption friction unlike statement credits. The same Rs.1L of annual spend also triggers a full fee waiver, so the card effectively pays for itself at any reasonable usage. A 1% fuel surcharge waiver on transactions between Rs.500 and Rs.3,000 is included as a small cherry.
Six categories earn ZERO Reward Points: fuel, rent (discontinued April 2024), wallet loads, EMI/Flexipay conversions, government payments (discontinued June 2024), and digital gaming merchants (discontinued December 2024). Route rent or wallet top-ups through this card and that spend earns nothing. Amazon and Flipkart are NOT on the 10X partner list - both fall under the 5X 'all other online' bucket (1.25%), where Amazon Pay ICICI's 5% on Amazon and Flipkart Axis Bank's 5% on Flipkart each pay 4x more. The 5X tier is capped at 10,000 points/calendar month, so non-partner online spend beyond about Rs.2 lakh/month drops to the 0.25% base rate. Offline shopping - restaurants, supermarkets, petrol pumps, any physical store - earns only 1 RP per Rs.100 (0.25%), so this is strictly an online weapon. The fuel surcharge waiver is a 1% saving, not a reward - fuel itself earns 0 points. Forex markup is 3.5% (the SBI Card default; the AURUM/Elite/Tata Neu Infinity/Miles family carves out to 1.99-3%, but SimplyCLICK does not). No lounge access, no travel insurance, no concierge - this is a shopping card, not a lifestyle card.
Bottom line
If your online cart is regularly stocked with Swiggy, Myntra, Cleartrip, BookMyShow, Yatra, Dominos, or Tata Cliq orders, SimplyCLICK delivers 2.5% on those brands plus Rs.4,000 in travel vouchers a year for under Rs.600 - and breaks even (full fee waiver) at just Rs.1L of annual spend. It is the wrong card for Amazon, Flipkart, offline, fuel, rent, or international spending, so plan to pair it with a free everyday card and treat SimplyCLICK as a specialist.
Independent analysis from public card terms, no paid placements or ratings.
Welcome Bonus
VerifiedOne-time bonus for new cardholders
Amazon Gift Card Worth Rs. 500
So what does this card actually earn?
Reward Points
This card earns reward points on every transaction. The real value of your points depends on how you redeem them: here is a breakdown of the redemption tiers.
per point
0.25%
assumes ₹0.25/point redemption
Redemption Tiers
Tap a tier to update the Value Verdict above
Worst Case
Statement credit, cashback
Partner Rewards
Earn bonus rates at these merchants
| Merchant | Reward | Type |
|---|---|---|
| Myntra | 10X | Multiplier |
| BookMyShow | 10X | Multiplier |
| Yatra | 10X | Multiplier |
| Swiggy | 10X | Multiplier |
| Domino's Pizza | 10X | Multiplier |
| Cleartrip | 10X | Multiplier |
| Netmeds | 10X | Multiplier |
| Tata CLiQ | 10X | Multiplier |
| Apollo Pharmacy / Apollo 24|7 | 10X | Multiplier |
| IGP | 10X | Multiplier |
| GYFTR | 10X | Multiplier |
| Amazon | 5X | Multiplier |
| Flipkart | 5X | Multiplier |
Monthly Reward Cap
Applies to 5X non-partner online earn only. 10X partner earn has no monthly cap.
Monthly Cap
₹2,500
Annual Cap
₹30,000
10,000 reward points at ₹0.25/point
Takeaway: non-partner online (5X) earn caps at ₹2,00,000/month Spend above drops to base 0.25%. Partner-list (10X) earn is uncapped.
At 5X (non-partner online): cap bites at ₹2,00,000/month (1.25% × ₹2,00,000 = ₹2,500 cap). Spend above earns at base 0.25%.
Excluded Categories
6 categories earn no rewards on this card
⚠ Do not use for Fuel / Petrol / Diesel / CNG, Rent Payments, Wallet / Prepaid Instrument Loading and 3 more. You earn 0 rewards on these spends. Use a different card or pay direct.
This card works best for myntra and bookmyshow. Spends in those categories still earn at the headline rate.
Who Is This Card For?
Salaried users spending Rs.8,000-Rs.15,000/month online whose typical basket leans on Swiggy, Myntra, Cleartrip, Yatra, BookMyShow, Tata Cliq, or Dominos. Also a sensible companion card for an Amazon Pay ICICI holder - cover Amazon at 5% on ICICI and use SimplyCLICK for the brands where Amazon's card pays only 1%.
Amazon-first shoppers (Amazon Pay ICICI gives 5% lifetime free), Flipkart-first shoppers (Flipkart Axis gives 5% on Flipkart), frequent international travellers (3.5% forex markup with no offsetting points), anyone who needs lounge access or travel insurance (consider HDFC Regalia Gold or step up within SBI to Prime/Elite), and users whose monthly card spend is predominantly offline.
How It Compares
Side-by-side with similar cards in our database.
| Feature | This card | Axis My Zone | AU Bank LIT |
|---|---|---|---|
| Annual fee | ₹499 | ₹500 | Free |
| Reward ratecash-equivalent · accelerated | 0.25%up to 2.50% on partners | 0.40%no accelerator | 0.25%no accelerator |
| Network | Mastercard | Visa / Mastercard | Visa / RuPay |
| Acceptance | Universal | Universal | Universal |
| Eligibility | Applicable | Applicable | Applicable |
Methodology: reward rates shown at cash-equivalent redemption (statement credit / direct cashback): the most conservative tier every cardholder can realize. Travel-transfer or partner-merchant routing can be materially higher; see each card's full review for upside scenarios.
Fees & Charges
Complete breakdown of all fees associated with this card.
Value Verdict
Eligible spend · no routingEstimated annual value at ₹50,000/month spend with base earn on eligible retail (after assumed 18% in excluded categories) on a 50/50 online/offline channel mix.
✓ Fee waived above ₹8,333/month, so all ₹3,690 is net value
Year 1 also carries a one-time ₹499 + 18% GST joining fee (~₹589), charged upfront on issuance and not waivable by spend. The net above reflects the renewal-year fee (which your spend waives); subtract the joining fee from year-1 value.
First year bonus: +₹400 welcome value (not included above)
Assumptions used in this estimate▸
- • Reward earnings shown at the conservative redemption tier (vouchers / statement credit).
- • Monthly reward cap of ₹2,500 applies to the card; spend above this earns nothing extra.
- • Assumes 18% of your spend lands in 6 excluded categories (fuel, rent, etc.) that earn ₹0: eligible spend used in the math above is ₹41,000/month.
Eligibility
Requirements you need to meet to apply for this card.
Data verified against SBI Card official website · Last verified: 2026-05-18 · Terms & Conditions (MITC)
WhichWise does not accept payment for card placement or ratings. Fees, rates, and benefits may change. Always confirm with the issuer before applying.
Verified from the source
Key facts below are quoted verbatim from SBI Card's own pages and documents, not paraphrased.
- Joining fee
“Annual Fee: Rs. 499 + taxes”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-09 - Annual fee waiver
“Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-09 - Reward type
“Earn 1 Reward Point per Rs. 100 on all other spends”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-09 - Monthly rewards cap
“5X Reward Points are applicable for all online spends made other than on exclusive partner brands and will be capped at 10,000 Reward Points per calendar month. Post that, every Rs.100 spent will accrue 1 Reward Point.”
Verified quote from sbicard.com (issuer brochure) · fetched 2026-05-10 - Welcome bonus
“Get Amazon.in e-Gift Card worth Rs. 500 on payment of Annual Fee”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-09 - Forex markup
“Foreign Currency Transaction Fee: 3.5%”
Verified quote from sbicard.com (MITC document) · fetched 2026-05-10 - Fuel surcharge waiver
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India.”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-09 - Card network
“SimplyCLICK SBI Card on Mastercard”
Verified quote from sbicard.com (issuer website) · fetched 2026-05-10
Interested in SBI SimplyCLICK?
Check the official page for the latest terms before applying.