SimplyCLICK SBI Card Review 2026 — Fees, Rewards & Eligibility
Issuer: SBI Card
Network: Visa | Tier: Entry
The SBI SimplyCLICK Credit Card is an entry-level rewards credit card designed for online shoppers. It offers accelerated reward points on popular online merchants, an easy annual fee waiver, fuel surcharge benefits, and a welcome gift voucher, making it a great choice for beginners looking to maximize value from everyday online spending.
Why Choose the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card is a Entry-tier Visa credit card issued by SBI Card, rated 4/5 by the Credit Card Hunt editorial team. It is best suited for Online shoppers looking to maximize rewards on e-commerce spending and benefit from SBI Card sale offers with a low annual fee.. With a reward rate of 1 Reward Point per ₹100 on offline spends; 5X on online spends; 10X on partner merchants like Myntra, Swiggy, BookMyShow, Cleartrip, Apollo 24x7, etc. and an annual fee of 499+GST, it ranks among the popular Shopping cards in India in 2026.
New cardholders are welcomed with Amazon Gift Voucher worth ₹500 on payment of joining fee, which adds immediate value in the first year and helps recover the ₹499 + GST joining fee.
SimplyCLICK SBI Card Fees & Charges
| Annual Fee | 499+GST |
|---|---|
| Joining Fee | ₹499 + GST |
| Interest Rate | Up to 3.50% per month (~42% p.a.) |
| Foreign Markup | 3.5% + GST (standard SBI Card rate) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹500–₹3,000 (max ₹100 per statement cycle) |
SimplyCLICK SBI Card Rewards & Benefits
| Reward Rate | 1 Reward Point per ₹100 on offline spends; 5X on online spends; 10X on partner merchants like Myntra, Swiggy, BookMyShow, Cleartrip, Apollo 24x7, etc. |
|---|---|
| Welcome Bonus | Amazon Gift Voucher worth ₹500 on payment of joining fee |
| Lounge Access | None on the standard Visa variant |
| Best For | Online shoppers looking to maximize rewards on e-commerce spending and benefit from SBI Card sale offers with a low annual fee. |
Key Highlights of the SimplyCLICK SBI Card
- ₹500 Amazon Gift Voucher as welcome benefit
- 10X reward points on partner online merchants
- 5X reward points on all other online spends
- Annual fee waiver on ₹1 lakh annual spend
- Fuel surcharge waiver across fuel stations
- Exclusive SBI Card festive sale discounts
- Contactless payment enabled
SimplyCLICK SBI Card Eligibility Criteria
- Age between 21 and 65 years
- Indian resident or NRI
- Stable source of income
- Good credit score (700+ recommended)
- Minimum annual income of around ₹3 lakh (varies by applicant profile)
Minimum Income Required: Typically ₹3 lakh+ annual income (approval may vary)
Advantages of the SimplyCLICK SBI Card
- Low joining and annual fee
- Excellent for online shopping
- Easy annual fee waiver
- Strong value during SBI Card sale offers
- Welcome benefit offsets joining fee
- Widely accepted Visa network
Drawbacks of the SimplyCLICK SBI Card
- No airport lounge access
- High forex markup fee
- Average rewards on offline spending
- Limited travel benefits
- Reward redemption fee applicable
SimplyCLICK SBI Card — Frequently Asked Questions
What is the annual fee of the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card has an annual fee of 499+GST and a joining fee of ₹499 + GST. New cardholders receive Amazon Gift Voucher worth ₹500 on payment of joining fee as a welcome benefit, which helps offset the joining cost.
Does the SimplyCLICK SBI Card offer airport lounge access?
Yes — the SimplyCLICK SBI Card offers None on the standard Visa variant.
Who is eligible for the SimplyCLICK SBI Card?
The minimum income requirement is Typically ₹3 lakh+ annual income (approval may vary). Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card earns 1 Reward Point per ₹100 on offline spends; 5X on online spends; 10X on partner merchants like Myntra, Swiggy, BookMyShow, Cleartrip, Apollo 24x7, etc.. It is best suited for Online shoppers looking to maximize rewards on e-commerce spending and benefit from SBI Card sale offers with a low annual fee..
Credit Cards Similar to the SimplyCLICK SBI Card
If you are considering the SimplyCLICK SBI Card, these shopping credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- BPCL SBI Card Octane by SBI Card — rated 4.8/5, ₹1,499 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
Expert Rating: 4/5