The SimplyCLICK SBI Credit Card is tailored for online shoppers, offering significant rewards for transactions on popular e-commerce platforms. With its attractive reward points system, affordable annual fee, and additional benefits, this card is a great choice for those who frequently shop online.

Key Highlights:

  • Welcome Benefits: Receive an gift card worth Rs. 500 on payment of the annual fee.
  • Reward Points:
    • 10X Reward Points on online spends with exclusive partners like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and more.
    • 5X Reward Points on all other online spends.
    • 1 Reward Point per Rs. 100 spent on all other purchases.
  • Milestone Benefits: Earn e-vouchers worth Rs. 2,000 from Cleartrip or Yatra on annual online spends of Rs. 1 lakh and Rs. 2 lakh respectively.

Fees and Charges:

  • Joining Fee: Rs. 499.
  • Annual Fee: Rs. 499 (waived on annual spends of Rs. 1 lakh).
  • Finance Charges: 3.5% per month (42% annually) on Overdue
  • Foreign Currency Markup: 3.5% of the transaction amount.
  • Cash Advance Fee: 2.5% of the transaction amount, subject to a minimum of Rs. 500.

Additional Benefits:

  • Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 (maximum benefit of Rs. 100 per month).
  • Contactless Technology: Make secure and fast transactions by simply waving your card at a secure reader.
  • Flexipay: Convert transactions of Rs. 2,500 or more into easy monthly installments.

Pros and Cons:


  • Attractive reward rate on popular online shopping brands.
  • Affordable annual fee with an option for a waiver.
  • Flexible reward redemption options.


  • No complimentary lounge access.
  • Limited reward redemption options compared to other cards.

Eligibility Criteria:

  • Age: 21 to 70 years.
  • Income: Minimum monthly income of Rs. 20,000 for both salaried and self-employed individuals.
  • Credit Score: Good credit score is required.

Comparison with HDFC Moneyback+ Credit Card:

Feature SimplyCLICK SBI Credit Card HDFC MoneyBack+ Credit Card
Joining Fee Rs. 499 Rs. 500
Annual Fee Rs. 499 (waived on spends of Rs. 1 lakh) Rs. 500 gift voucher on spends on ₹50,000 per calendar quarter
Reward Points 10X on partner websites, 5X on other online spends, 1X on other spends 2 points per Rs. 150 spent on online and offline spends
Welcome Benefits Rs. 500 Amazon gift voucher 500 reward points
Milestone Benefits Rs. 2,000 Cleartrip/Yatra e-vouchers 2,000 reward points
Fuel Surcharge Waiver 1% (Rs. 500 - Rs. 3,000) 1% (Rs. 400 - Rs. 5,000)
Contactless Payment Yes Yes
Foreign Currency Markup 3.5% 3.5%
Cash Advance Fee 2.5%, min Rs. 500 2.5%, min Rs. 500


The SimplyCLICK SBI Credit Card is an excellent choice for individuals who frequently shop online. With its high reward rates on online spends, milestone benefits, and low annual fee, it offers significant value. However, it lacks benefits like lounge access and has limited reward redemption options, which might be a drawback for some users.

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