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SimplyCLICK SBI Credit Card

Learn about the key features, reward rates, and applicable fees of the SBI SimplyCLICK Credit Card in a simple and clear manner.

Joining Fee ₹500

Offers Amazon voucher Joining benefit of

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Last updated on: Jul 20, 2026

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The SimplyCLICK SBI Credit Card is a highly popular option designed specifically for frequent online shoppers. Among the various rewards credit cards on the market, it stands out by offering accelerated reward points across major partner brands, including Myntra, Swiggy, Domino’s, Cleartrip, and Yatra.

With an affordable annual fee of ₹499 and integrated milestone travel vouchers, this card delivers consistent value for regular digital spenders. Its attractive reward structure, straightforward point redemption process, and partner-led benefits make the SimplyCLICK SBI Credit Card an excellent choice for maximizing everyday online purchases.

Key Highlights of SimplyCLICK SBI Card

Check the standout features of this shopping credit card:

Particular	Details
Joining Fee	Pay just ₹499
Annual Fee	Pay ₹499, which is waived off on annual spends of ₹1 Lakh or more in the previous year
Suitable for	Rewards on online shopping
Key Feature	Get travel e-vouchers worth ₹2,000*
Welcome Benefit	Get an Amazon India gift card worth ₹500 on paying the joining fee

Disclaimer: The above-mentioned details are subject to change at the discretion of the issuer.

SBI SimplyCLICK Credit Card Benefits and Features

The SimplyCLICK SBI Credit Card offers rewards on online shopping, milestone benefits, travel vouchers, and payment flexibility. Here is a quick overview of its key benefits:

Benefit Category	Details
Welcome Benefits	Get an Amazon.in gift card worth ₹500 after payment of the joining fee.
Milestone Benefits	Earn e-vouchers worth ₹2,000 from Cleartrip or Yatra on achieving eligible annual online spending milestones of ₹1 Lakh and ₹2 Lakhs.
E-shopping Benefits	Earn 10X reward points on online spends with partner brands such as Cleartrip, Myntra, Domino’s, Swiggy, Netmeds, BookMyShow, and others. Get 5X reward points on other eligible online spends.
Reward Points	Earn 1 reward point for every ₹100 spent on all other eligible transactions.
Fuel Surcharge Waiver	Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, up to ₹100 per statement cycle.
Spend-based Reversal	Annual fee of ₹499 is waived on annual spends of ₹1 Lakh or more in the previous membership year.
Travel Benefits	Receive Cleartrip or Yatra e-vouchers worth ₹2,000 on eligible spending milestones. The card is accepted at over 24 million outlets globally.
Flexipay	Convert purchases above ₹2,500 into EMIs through Flexipay. Available tenures include 3, 6, 9, 12, 18, and 24 months, subject to applicable charges.
Balance Transfer on EMI	Transfer outstanding balances from other credit cards and repay through EMIs as per applicable terms.

SBI SimplyCLICK Credit Card: Fees and Charges

Here are all the charges you can expect to incur while using the SimplyCLICK Credit Card:

Fee Type	General Range
Joining Fee	₹499
Annual Maintenance Fee	₹499 Waived off on annual spends of ₹1 Lakh or more in the preceding year
Rewards Redemption Fee	₹99 + GST
Interest Charges	3.50% per month
Minimum Amount Due	5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	Can go up to ₹1,300 based on the overdue balance
Foreign Transaction Fee	3.50% of the transaction amount
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

SBI SimplyCLICK Credit Card: Eligibility Criteria

Before applying for one of the popular SBI Credit Cards, it is important to review the eligibility criteria specified by the issuer. Meeting these requirements can help determine whether you qualify for the SBI SimplyCLICK Credit Card.

Your age should be between 21 and 70 years
You must have a steady and regular source of income
You should be creditworthy and maintain a good credit score

Note: The final eligibility criteria for SBI Credit Cards may vary based on the issuer’s internal policies, credit assessment, and verification process.

Documents Required for SBI SimplyCLICK Credit Card

Here is the general list of documents you will need to apply:

Document Category	Accepted Documents
Identity Proof	Aadhaar Card, PAN Card, Passport
Address Proof	Aadhaar Card, Passport, Ration Card
Income Proof (Salaried)	Latest salary slips from the past 2–3 months, Form 16
Income Proof (Self‑employed)	Income Tax Returns (ITR), Bank statements showing income

How to Apply for the SBI SimplyCLICK Credit Card on Bajaj Markets

On Bajaj Markets, you can compare credit cards and pick one that suits your needs. To know how to apply, take a look at the following steps:

Click on ‘Check Card Offer’ and fill in the required details, including your phone number, occupation, and date of birth
Enter the One-Time Password (OTP) sent to your number
Check the pre-filled details like your PAN number, residential PIN code, email address, and income information
Choose SimplyCLICK SBI Card from the options
To apply for the card, click ‘Submit’ and complete your application

SBI SimplyCLICK Credit Card vs Similar Cards

Before applying for the SimplyCLICK SBI Card, compare its benefits with those of other cards offered by SBI Card.

Here is a detailed comparison table:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
SimplyCLICK SBI Card	❌	❌	✅	✅
SimplySAVE SBI Card	✅	✅	✅	✅
IRCTC RuPay SBI Card	✅	❌	✅	❌
SBI Card ELITE	❌	✅	✅	❌
SBI Card PRIME	❌	✅	❌	✅
Lifestyle Home Centre SBI Card	✅	❌	✅	✅
BPCL SBI Card OCTANE	✅	✅	✅	✅
BPCL SBI Card	✅	❌	✅	❌
SBI Card PULSE	❌	✅	✅	✅
Max SBI Card SELECT	✅	❌	✅	✅

Disclaimer: The benefits mentioned may change as per the policies of SBI Card. Check them before you apply for a specific card.

How to Maximise Rewards on SimplyCLICK SBI Card

The SBI Card rewards program has a lot of features and facilities. Here is how the rewards program works for this card.

1. Reward Points

The SimplyCLICK SBI Card is ideal for online shoppers. Here, the cash value of 4 reward points = ₹1.

For all online spending done with 8 listed partners, you get 10X rewards. These partners include Apollo 24x7, Cleartrip, Myntra, Netmeds, BookMyShow, Swiggy, Yatra, and Domino's.

Purchase (Monthly)	Amount	Reward Points
Myntra Shopping	₹3,000	300
Air Tickets on Yatra	₹5,000	500
Swiggy Orders	₹1,500	150

Disclaimer: The above example is for illustration purposes only.

For other online spends, you get 5X reward points.

Purchase (Monthly)	Amount	Reward Points
Flipkart Shopping	₹2,000	100
Amazon Shopping	₹4,000	200

Disclaimer: The above example is for illustration purposes only.

For all other transactions, you get 1 reward point per ₹100 spent.

Purchase (Monthly)	Amount	Reward Points
Groceries	₹8,000	80
Gym Membership	₹1,200	12

Disclaimer: The above example is for illustration purposes only.

2. Redemption Process

Use the Go Mobile app or YONO app on your phone or log in to your credit card account via the SBI Card website to redeem your points. This can be in the form of gift cards, merchandise, movie tickets, flight tickets, and more. A reward redemption fee of ₹99 is applicable according to the terms and conditions.

3. Expiration

Rewards points earned on your SimplyCLICK SBI Card will expire 24 months after accrual. To maximise your benefits, keep track of points when you earn them and plan redemption accordingly.

4: Example of Savings

The SimplyCLICK SBI Credit Card can be a suitable option for individuals looking at Shopping Credit Cards that offer accelerated rewards on online purchases. By using the card across partner brands and eligible online merchants, cardholders can accumulate reward points that can later be redeemed for vouchers, merchandise, travel bookings, and more.

The illustration below shows how annual spending patterns may translate into potential reward value:

Category	Details	Conversion	Cash Value (₹)
Myntra Shopping	Accelerated Category Spends (10X) Assuming spends 36,000 p.a./ 3,000 p.m.	Reward Points = 3,600 10X(36,000/100)	900
Air Tickets on Yatra	Accelerated Category Spends (10X) Assuming spends 60,000 p.a./ 5,000 p.m.	Reward Points = 6,000 10X(60,000/100)	1,500
Swiggy Orders	Accelerated Category Spends (10X) Assuming spends 18,000 p.a./ 1,500 p.m.	Reward Points = 1,800 10X(18,000/100)	450
Amazon Shopping	Other Online Spends Assuming spends 48,000 p.a./ 4,000 p.m.	Reward Points = 4,800 10X(48,000/100)	1,200
Flipkart Shopping	Other Online Spends Assuming spends 24,000 p.a./ 2,000 p.m.	Reward Points = 1,200 5X(24,000/100)	300
Gym Membership	Normal Category Spends Assuming spends 14,400 p.a./ 1,200 p.m.	Reward Points = 1,200 (14,400/100)	300
Groceries	Normal Category Spends Assuming spends 96,000 p.a./ 8,000 p.m.	Reward Points = 960 (96,000/100)	240
Total Annual Savings	-	19,560	4,890

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

You have two options to proceed:

Redeem 19,560 points on the SBI Card rewards portal, where you can choose from apparel, electronics, homeware, and more.
Convert your reward points into cash by contacting SBI Card’s customer care. Since 4 reward points = ₹1, the cash value of 19,560 rewards = ₹4,890.

SBI SimplyCLICK Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Explore More SBI Travel & RuPay Credit Cards

SBI SimplySAVE Credit Card	SBI PRIME Credit Card
SBI IRCTC RuPay Credit Card	SBI BPCL Credit Card

Pradnya Ranpise

Financial Content Specialist

Reviewer

Roshani Ballal

Frequently Asked Questions

Q: How can I track the application status of my SimplyCLICK SBI Credit Card?

Ans: You can track your application status using the Track Application option on the SBI Card website. You may also call the SBI Card customer care helpline for updates.

Q: How many days do I have to pay my SimplyCLICK SBI Credit Card bill?

Ans: You must pay your bill by the due date shown on your monthly statement. SBI Card usually provides a grace period of up to 20 days from the statement date.

Q: Can I use 100% of the limit on my SimplyCLICK SBI Credit Card?

Ans: Yes, you may use up to 100% of your available credit limit. However, using a very high share of your limit may affect your credit score.

Q: Can I cancel the balance transfer done from other issuer’s credit cards?

Ans: Yes. You can cancel a Balance Transfer request if you contact the SBI Card helpline on the same day the request was booked.

Q: What is the WhatsApp Connect service available on my SimplyCLICK SBI Credit Card?

Ans: WhatsApp Connect is an alert and information service for SBI Card users. You can subscribe by:

Giving a missed call to 08080945040
Using the WhatsApp Connect option in the SBI Card Mobile App
Using the “Ask ILA” chatbot
Sending WAOPTIN XXXX to 5676791 (XXXX = last four digits of your card)

Q: Which documents do I need to submit to update my name on my SimplyCLICK SBI Credit Card?

Ans: To update your name, submit a copy of any one of these documents:

PAN Card
Passport
Driving Licence
Ration Card
Court Order
Duly notarised affidavit
Newspaper advertisement showing the name change

Q: How can I activate my new SimplyCLICK SBI Credit Card?

Ans: You can activate your card by logging in to the SBI Card Mobile App or the SBI Card website. You may also activate the card through the “Ask ILA” chatbot or by contacting customer care.

Q: How can I skip paying the annual fee on my SimplyCLICK SBI Credit Card?

Ans: Your annual fee is waived if you spend ₹1 lakh or more on your SimplyCLICK SBI Card in the previous membership year.

Q: What type of card is the SimplyCLICK SBI Credit Card?

Ans: The SimplyCLICK SBI Credit Card is an entry‑level shopping and online‑spends card that offers reward points on digital purchases and higher rewards with selected partner brands.

Q: Is the SimplyCLICK SBI Credit Card lifetime free?

Ans: No, the SimplyCLICK SBI Credit Card is not lifetime free. It has a joining and annual fee. However, the annual fee is waived when you spend ₹1 lakh or more in the previous membership year.

Q: How can I apply for the SimplyCLICK SBI Credit Card?

Ans: You can apply online through the SBI Card website or the SBI Card Mobile App. You must fill in your details, upload your documents, and complete KYC as required. You may also request the card through an authorised SBI Card representative.

Q: How can I maximise my rewards on the SimplyCLICK SBI Credit Card?

Ans: You can maximise your rewards by using the card for online spending, especially with partner brands that offer 10X reward points. You also earn milestone e‑vouchers when you reach the eligible annual online spends.

Q: Does the SimplyCLICK SBI Credit Card offer lounge access?

Ans: No, the SimplyCLICK SBI Credit Card does not provide airport lounge access.

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