The SBI SimplyClick Credit Card is a popular choice for people who prefer online shopping and want simple, straightforward rewards. But is it truly worth applying for? In this article, we break down its features, compare it to competing options, and gather real-world feedback to help you decide if the SBI SimplyClick deserves a spot in your wallet.
What Makes SBI SimplyClick Stand Out?
SBI SimplyClick is designed specifically for online shoppers. With a low annual fee and clear reward structure, it aims to maximize value on digital spends without complex terms. These features make it appealing for beginners and regular e-commerce users alike:
- Annual Fee: Rs. 499 + GST (waived on annual spends of Rs. 1 lakh)
- Rewards Rate: Up to 10X reward points on leading online brands, 5X on all other online spends, 1X on offline purchases
- Welcome Benefit: Rs. 500 Amazon voucher on joining
- Milestone Benefits: Annual e-vouchers from Amazon/BookMyShow up to Rs. 2,000 on high spends
- Acceptance: Widely accepted both online and offline, and easy approval criteria
Breaking Down the Reward Structure
Rewards are the backbone of any credit card, and SimplyClick keeps it straightforward:
- 10X Rewards (10 points per Rs. 100 spent) for partners like Amazon, BookMyShow, Cleartrip, UrbanClap, Lenskart, and Netmeds via their websites or apps
- 5X Rewards (5 points per Rs. 100 spent) on all other online transactions
- 1X Reward (1 point per Rs. 100 spent) on offline purchases, utility bills, and insurance payments
- 1 reward point equals 25 paise (redeemable for shopping, e-vouchers, recharge, and more)
Where This Card Delivers: Pros of SBI SimplyClick
- Maximum Value for Online Shopping: Spend regularly at featured partners or shop online for almost everything? The 10X and 5X rewards quickly add up.
- Low Annual Fee: At Rs. 499, the fee is among the lowest in India, especially for a major bank card.
- Easy Fee Waiver: Spend Rs. 1 lakh a year (under Rs. 8,500 per month) and the following year is free.
- Milestone Rewards: Spend Rs. 1 lakh and 2 lakh in a year, and get Amazon or BookMyShow vouchers up to Rs. 2,000 extra.
- Simple Redemption: No quirky catalogues—points can be redeemed for online vouchers or purchases directly.
Limitations and Things to Watch Out For
- No Airport Lounge Access: If you travel often, this card is missing those premium perks.
- 1X on Offline Spends: Swiping this card at supermarkets, petrol pumps, or restaurants gets you the lowest point rate.
- Limited Partner List: For 10X rewards, sticking to the listed brands is necessary.
- Rewards Cap: Monthly 10X rewards are capped at 10,000 points (around Rs. 2,500 value).
How Does SBI SimplyClick Compare to Others?
To decide if it’s worth it, let’s see how the SimplyClick stacks up against alternatives targeting the same audience:
| Card | Annual Fee | Main Perk | Who Should Choose |
|---|---|---|---|
| SBI SimplyClick | Rs. 499 | 10X on Amazon & partners | Heavy online shoppers, existing SBI users |
| Amazon Pay ICICI Credit Card | Nil | 5% back on Amazon, 1–2% elsewhere | Prime users, want zero fee |
| Axis Bank Ace Credit Card | Rs. 499 | 5% cashback on Google Pay spends | Utility bill payers, Google Pay fans |
| SBI Cashback Card | Rs. 999 | 5% cashback on most online orders | Max cashback, higher spenders |
| Flipkart Axis Bank Card | Rs. 500 | 5% on Flipkart, 1.5% elsewhere | Flipkart loyalists |
User Verdict: Real-World Feedback
Many real users choose SBI SimplyClick for its low cost and straightforward benefits:
- Positive: “Great value when used for monthly shopping on Amazon! Fee is easily compensated by rewards and milestone vouchers.”
- Mixed: “I love the welcome Amazon voucher, but feel the offline reward rate could be better.”
- Negative: “Misses out on features like lounge access and travel perks, so better as a secondary card.”
Feedback is generally strong on the online rewards and simplicity, especially for users who want to avoid thinking too much about complex terms.
Maximizing Benefits with SBI SimplyClick
- Use the card for all online shopping, especially with 10X brands
- Try to reach Rs. 1 lakh annual spend for the fee waiver, and aim for Rs. 2 lakh for milestone vouchers
- Redeem points periodically for online vouchers before expiry
- Pair with a strong cashback card or premium travel card for holistic coverage
FAQs: SBI SimplyClick Credit Card
1. What is the eligibility for SBI SimplyClick?
Applicants should be at least 18 years old, have a good credit history, and a stable income source. Approval is easier for salaried professionals with no major existing debts.
2. Does the SBI SimplyClick offer instant approval online?
Yes, you can apply for a credit card online and get a speedy approval decision, but card issuance may take a few business days.
3. Can I use the card for travel bookings and still get rewards?
If travel is booked with 10X or 5X partners like Cleartrip, you’ll earn enhanced rewards. Otherwise, only the standard rewards rate applies.
4. How can I redeem my SBI SimplyClick reward points?
You can convert points to shopping vouchers, recharge coupons, or use them on the SBI Card rewards platform. Typically, 4 points = Re. 1 of value.
5. Is the annual fee worth it?
For anyone spending even Rs. 8,500 per month online, the rewards and fee waiver mean this card effectively costs nothing to hold.
Final Thoughts
The SBI SimplyClick Credit Card is worth considering if you spend primarily online and want a low-fee, reliable card that doesn’t complicate your rewards. It lacks extras like lounge access but delivers strong everyday value at a budget-friendly price. Compare it with other best credit cards to find the ideal match for your habits.
Curious about other options or want to check your eligibility? Explore more reviews, tips, and credit card suggestions on FinWitty.com today.