SBI SimplyCLICK Credit Card Review 2026: Fees, Rewards & Benefits
The SBI SimplyCLICK Credit Card is designed for people who regularly shop online and want to earn extra reward points on digital spending. Its main attraction is 5X Reward Points on online spends, with 10X Reward Points on selected partner websites and apps.
The card carries an annual fee of ₹499 plus applicable taxes, while the renewal fee can be reversed when eligible annual spending reaches ₹1 lakh.
SBI SimplyCLICK at a Glance
| Key Detail | Information |
|---|---|
| Card Type | Rewards Credit Card |
| Annual Fee | ₹499 + applicable taxes |
| Renewal Fee | ₹499 + applicable taxes |
| Fee Waiver | ₹1 lakh eligible annual spending |
| Online Rewards | 5X Reward Points |
| Partner Rewards | 10X Reward Points |
| Milestone Benefits | ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends |
| Best For | Regular online shoppers |
The current SBI Card information confirms these benefits and fees.
Annual Fee & Charges
The SimplyCLICK SBI Card carries an annual fee of ₹499 plus applicable taxes. The same ₹499 renewal fee applies from the second year onward. SBI Card states that the renewal fee is reversed when eligible annual spending reaches ₹1 lakh during the previous year.
SBI Card states that the renewal fee can be reversed when eligible annual spending reaches ₹1 lakh during the previous year. For regular online shoppers who can reach this spending level, the fee-waiver condition can make the card easier to justify.
Key Benefits
5X Reward Points on Online Spending
The SimplyCLICK SBI Card offers 5X Reward Points on eligible online spending, making it particularly useful for people who regularly shop online.
The 5X reward rate applies to eligible online spending outside the card’s exclusive partner offers, subject to the applicable terms and reward limits.
10X Reward Points on Selected Partners
Selected partner websites and apps can offer 10X Reward Points on eligible online transactions. Current listed partners include platforms such as Apollo 24×7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Swiggy, Yatra and others.
₹2,000 E-Vouchers at Spending Milestones
The card offers ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh in annual online spending milestones, subject to the applicable conditions.
That means eligible cardholders can potentially receive up to ₹4,000 worth of milestone e-vouchers by reaching both spending levels.
1% Fuel Surcharge Waiver
The SimplyCLICK SBI Card also provides a 1% fuel surcharge waiver on eligible fuel transactions between ₹500 and ₹3,000, subject to the applicable terms.
The maximum waiver is ₹100 per statement cycle per credit card account.
₹500 Amazon.in Welcome Gift
SBI Card currently lists an Amazon.in e-Gift Card worth ₹500 as a welcome benefit on payment of the applicable annual fee, subject to the offer’s terms and conditions.
Things to Keep in Mind
- The ₹499 annual fee and renewal fee are subject to applicable taxes.
- The renewal fee reversal requires eligible annual spending of ₹1 lakh.
- 5X and 10X rewards apply only to eligible transactions and are subject to SBI Card’s terms.
- The 10X reward rate applies only to participating partner websites and apps.
- Reward points may have monthly or transaction-specific limits.
- Milestone vouchers require the specified annual online spending levels.
- Fuel surcharge waiver is subject to transaction limits and the applicable conditions.
- Card benefits and participating partners can change, so the latest SBI Card terms should be checked before applying.
Who Should Consider It?
The SimplyCLICK SBI Card is worth considering if you regularly shop online and want to earn reward points rather than straightforward cashback.
It can be particularly useful for shoppers who frequently use the card’s participating online partners and can make enough eligible spending to benefit from the milestone vouchers.
It may be less suitable if most of your spending is offline or if you rarely shop online. In that case, a cashback-focused or more general-purpose credit card may provide better value.
Apply Online
The SimplyCLICK SBI Card can be considered by customers who want a rewards-focused card for regular online spending.
Before applying, check SBI Card’s latest fees, eligibility requirements, reward rates, exclusions, milestone conditions and other applicable terms.
Our Verdict
The SimplyCLICK SBI Card is a practical option for regular online shoppers who want to earn additional reward points from their everyday digital spending.
Its strongest features are the 5X online rewards, 10X rewards with selected partners and milestone e-vouchers. The ₹1 lakh spending threshold for renewal-fee reversal can also make the annual fee easier to justify for active users.
However, the card’s value depends heavily on where you spend. If your purchases regularly fall within eligible online categories and partner offers, the rewards can be meaningful. If not, another card may suit your spending better.
Choose the card that fits your spending, not simply the card with the biggest advertised reward.
Want to understand how secured cards compare with other credit card types? Read our Types of Credit Cards: Which One Is Right for You? (2026 Complete Guide) to explore the different options and find one that may suit your needs.