SBI Simply CLICK Credit Card: Best for Online Shopping in 2025

Apply Now

Card Fees

₹499/-

Joining Fees

₹499/-

Annual Fees

3.5%

Foreign Transaction Fee

42%

APR

₹600/-

Over-limit Fee

Eligibility Criteria

21-70

Minimum & Maximum Age Criteria

18,000

Minimum monthly income

750

Minimum Credit Score

Category

,

Minimum Credit Score Required

750

Annual Charges

₹499/-

Features

  • 10x rewards on online spends
  • Amazon ₹500 voucher on joining
  • Extra points at partner websites

Welcome Offer

  • ₹500 Amazon voucher on first online spend
  • Auto-credited after activation

The SBI SimplyCLICK Credit Card is a perfect entry-level card designed for online shoppers. With this card, you can earn 10X reward points on purchases with exclusive online shopping partners such as Swiggy, BookMyShow, Myntra, and Cleartrip. Additionally, it offers 5X reward points on all other online transactions.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • Accelerated Reward Points:
    • Earn 10X Reward Points on online purchases made with exclusive partners such as Amazon, BookMyShow, Cleartrip, and more.
    • Receive 5X Reward Points on all other online spends.
  • Welcome Gift:
    • Get an Amazon.in gift card worth ₹500 upon payment of the annual fee.
  • Fuel Surcharge Waiver:
    • Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹100 per billing cycle.
  • Annual Fee Reversal:
    • Spend ₹1,00,000 or more in a year to get the annual fee reversed for the subsequent year.
  • Worldwide Acceptance:
    • Use your card at over 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Contactless Advantage:
    • Facilitates quick and secure contactless payments for everyday purchases.

Fees And Charges

Fee/Charge Amount
Annual Fee ₹499 + applicable taxes
Renewal Fee ₹499 + applicable taxes (waived if annual spends exceed ₹1,00,000)
Finance Charges (Interest Rate) Up to 3.50% per month (42% per annum)
Cash Advance Fee 2.5% of the transaction amount (minimum ₹500)
Finance Charges on Cash Advances Up to 3.50% per month (42% per annum)
Late Payment Charges – Up to ₹500: Nil
– ₹501 to ₹1,000: ₹400
– ₹1,001 to ₹10,000: ₹750
– ₹10,001 to ₹25,000: ₹950
– ₹25,001 to ₹50,000: ₹1,100
– Above ₹50,000: ₹1,300
Overlimit Fee ₹600 or 2.5% of the overlimit amount, whichever is higher
Cash Payment Fee ₹250
Cheque Payment Fee ₹100
Foreign Currency Transaction Fee 3.5% of the transaction amount

Pro and Cons:

Pros:

  1. High Reward Rate for Online Shopping:
    • 10X reward points on transactions with exclusive partners (e.g., Swiggy, BookMyShow, Cleartrip, Myntra).
    • 5X reward points on all other online spends.
  2. Affordable Fees:
    • Low annual fee of ₹499, which can be waived on annual spends of ₹1,00,000 or more.
  3. Welcome Bonus:
    • ₹500 Amazon gift card as a welcome gift upon paying the joining fee.
  4. Fuel Surcharge Waiver:
    • 1% waiver on fuel transactions between ₹500 and ₹3,000, up to ₹100 per billing cycle.
  5. Contactless Payments:
    • Facilitates faster and safer transactions for everyday purchases.

Cons:

  1. Limited Redemption Options:
    • Rewards can only be redeemed for products or vouchers available in the SBI Reward catalog, which some users find restrictive.
  2. Modest Redemption Value:
    • The value of reward points when redeemed is relatively low compared to other premium cards.
  3. No Travel Benefits:
    • Lacks features like complimentary airport lounge access or travel insurance.
  4. High Finance Charges:
    • Interest rate of 3.50% per month (42% annually) can be costly if dues are not cleared on time.
  5. Offline Shopping Benefits:
    • Limited rewards for offline transactions, making it less attractive for in-store shoppers.

How To Apply

Online Application:

  1. Visit the SBI Card official website.
  2. Click on “Apply Now” and complete the application form with the required personal and financial details.
  3. Upload necessary documents as per the guidelines.

 

Offline Application:

  1. Visit the nearest SBI branch.
  2. Request the SBI SimplyCLICK Credit Card application form.
  3. Fill out the form and submit it along with the required documents.

Additional Information

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  1. What rewards do I earn on online purchases?
    • Earn 10X Reward Points on online spends with exclusive partners and 5X Reward Points on other online transactions.
  2. Is there a fuel surcharge waiver?
    • Yes, a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹100 per billing cycle.
  3. How can I get the annual fee waived?
    • Spend ₹1,00,000 or more in a year to get the annual fee reversed for the subsequent year.
  4. Does this card offer airport lounge access?
    • No, the SBI SimplyCLICK Credit Card does not provide complimentary airport

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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