The SBI SimplyCLICK Credit Card is one of India’s most popular starter cards for online shoppers. It costs just ₹499 + GST, gives you a ₹500 Amazon voucher that covers the fee, and earns 10X reward points (about 2.5% back) at Amazon, Swiggy, BookMyShow, Cleartrip and other partners, plus 5X (1.25%) on every other online spend.
How the rewards work
| Where you spend | Reward points | Value back |
|---|---|---|
| Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy | 10X points | 2.5% |
| All other online spends | 5X points | 1.25% |
| Offline spends | 1 point per ₹100 | 0.25% |
Milestone vouchers
| Milestone | Reward |
|---|---|
| ₹1 lakh annual online spend | ₹2,000 Cleartrip/Yatra voucher |
| ₹2 lakh annual online spend | Another ₹2,000 voucher |
| Total possible | ₹4,000 a year |
What you would actually earn
Say you spend ₹5,000 a month at partner brands, ₹10,000 on other online shopping and bills, and ₹5,000 offline. That earns about ₹125 + ₹125 + ₹12 = ₹262 a month, or roughly ₹3,150 a year in points. Your ₹1.8 lakh of online spend also unlocks the first ₹2,000 milestone voucher, taking the yearly value past ₹5,000. Total spend of ₹2.4 lakh clears the ₹1 lakh fee waiver too.
SimplyCLICK vs SimplySAVE
| SimplyCLICK | SimplySAVE | |
|---|---|---|
| Best rate | 2.5% at online partners | ~1.67% on dining, groceries, movies |
| Other online spends | 1.25% | ~0.17% |
| Offline spends | 0.25% | ~0.17% (1.67% in bonus categories) |
| Welcome benefit | ₹500 Amazon voucher | 2,000 points (~₹500) |
| Fee and waiver | ₹499 + GST, waived at ₹1 lakh | ₹499 + GST, waived at ₹1 lakh |
| Minimum income | ₹25,000 a month | ₹30,000 a month |
Pick SimplyCLICK if your spending is mostly online. Pick SimplySAVE if it is mostly at supermarkets, restaurants and cinemas. Both cost the same and have the same waiver target, so the choice comes down purely to where you swipe.
Other benefits
- Welcome voucher: ₹500 Amazon voucher once you pay the joining fee.
- Fuel surcharge waiver: 1% refund on ₹500–₹3,000 transactions, capped at ₹100 a month.
- Easy fee waiver: ₹1 lakh a year is about ₹8,400 a month across all spends.
Fees and charges
| Joining fee | ₹499 + GST (offset by the ₹500 Amazon voucher) |
|---|---|
| Annual fee | ₹499 + GST from the second year |
| Annual fee waiver | Spend ₹1,00,000 or more in the previous year |
| Fuel surcharge | 1% waiver on ₹500–₹3,000, up to ₹100 a month |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Minimum income | ₹25,000 a month |
| Income (self-employed) | ITR above ₹4,80,000 a year |
| Credit score | 720+ with no delayed payments in the last 12 months |
| First credit card? | Allowed for salaried applicants only |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on SBI Card site on this page to open SBI Card’s secure application.
- Fill in the form in the same session with your Aadhaar-linked mobile number, keeping your PAN handy.
- Complete e-KYC or video KYC from your current address when asked.
- Once your card arrives, activate it with a first transaction within 30 days.
Who should get it, and who shouldn’t
Get it if you shop on Amazon, order on Swiggy or book travel and movies online, and want a low-cost card that is easy to get as your first one.
Skip it if most of your spending is offline, where it returns only 0.25%. An all-round card or an offline-focused card will serve you better.
