Is the SBI SimplyCLICK credit card worth it? 10X at listed online partners, 5X other online, 1X offline, ₹499 fee. Our score is 60/100, C Tier. Who it suits.
Quick Verdict
The SBI SimplyCLICK credit card is worth it only if most of your card spending is online, and especially if it goes to SBI's listed 10X partners. For everyone else it is an average low-fee card, because offline spends earn just 1 reward point per ₹100 and SBI's documents we read do not state a rupee value per point.
ThisSBI SimplyCLICK credit card reviewuses SBI Card's own terms, as of November 2026. The fee is ₹499 plus GST, the renewal fee is waived at ₹1 lakh of yearly spend, and a ₹500 Amazon Pay gift card is given on the fee. Our score is below.
Benchmarksutra Score:60/100 — C Tier
Apply with SBI:Check SBI credit cards
Question | Short answer |
|---|---|
Fee | ₹499 + GST; renewal waived at ₹1 lakh spend a year |
Best earn | 10X (10 points per ₹100) at listed online partners |
Other online | 5X, capped at 10,000 points a calendar month |
Offline | 1 point per ₹100 |
Lounge | Not part of the benefits we read |
Biggest catch | No stated rupee value per point; partner list keeps changing |
What Is the SBI SimplyCLICK Credit Card?
SimplyCLICK is SBI Card's entry shopping card for people who pay online. It earns SBI Reward Points: a higher rate on a short list of exclusive online partners, a middle rate on other online spends, and the base rate everywhere else.
Before you apply, check:
how much of your monthly card spend is online
whether your regular sites are on SBI's current 10X partner list
whether you will cross ₹1 lakh a year to skip the renewal fee
whether you want a lounge, which this card does not offer
How Do SimplyCLICK Reward Points Work?
Spend type | Points | Cap and condition |
|---|---|---|
Exclusive online partners | 10 per ₹100 (10X) | Payment in INR; credited only on merchant IDs SBI has approved |
Other online spends | 5 per ₹100 (5X) | 10,000 points per calendar month, then 1 per ₹100 |
Offline spends | 1 per ₹100 | Offline fuel not included |
SBI's reward terms (document dated March 2026) also say eligibility is identified on a "best effort basis". If the merchant or acquirer sends the wrong online flag, the transaction may not earn the higher rate. Cleartrip and Yatra bookings made through affiliate channels do not earn 10X.
Which merchants get 10X?
SBI's April 2025 notice named Apollo 24X7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds and Yatra. The March 2026 reward terms show partner effective dates running from 2015 to 20 March 2026, but the current partner names appear there only as logos. Check SBI's partner page before you rely on a merchant. Swiggy moved from 10X to 5X from April 2025.
What does a point cost or earn in rupees?
The documents we read do not state what one reward point is worth. Points are redeemed against e-gift vouchers from partners in the rewards catalogue. So any rupee return is an estimate. The table shows what the earn rates would mean at two illustrative point values; neither is an SBI figure.
Earn rate | If a point is worth ₹0.10 | If a point is worth ₹0.25 |
|---|---|---|
10X partners | 1.0% back | 2.5% back |
5X other online | 0.5% back | 1.25% back |
1X offline | 0.1% back | 0.25% back |
The 5X cap is 10,000 points, which is ₹2 lakh of online spend a month. Most people never reach it. The same cap on 10X partners would be ₹1 lakh a month.
SBI SimplyCLICK Fees: Is the Annual Fee Worth It?
Item | Detail |
|---|---|
Joining and annual fee | ₹499 + GST (about ₹589 at 18%) |
Fee offset | ₹500 Amazon Pay gift card on the fee |
Renewal waiver | ₹1 lakh spend in a year |
Forex markup | 3.5% |
Interest on dues | 3.75% a month |
Milestone | ₹2,000 e-voucher at ₹1 lakh and again at ₹2 lakh online spend |
The gift card covers most of the first-year fee, so year one is close to free. From year two, ₹1 lakh a year is about ₹8,300 a month. Below that you pay ₹589 for a card that earns little offline. Use ourannual fee breakeven calculatorwith your own spends, and readhow to calculate your breakeven spend.
What Does SimplyCLICK Not Reward?
SBI's reward terms exclude or have stopped points on:
rent payments (from 1 April 2024)
government-related spends (from 1 June 2024)
digital gaming (from 1 December 2024)
e-wallet loading, cash advances, balance transfers, Flexipay and offline fuel
utility bills paid on SBI Card's own website or app (no 5X)
SBI SimplyCLICK Benchmarksutra Scores
We score cards on a fixed 100-point framework. Seehow we rate Indian credit cards. Where SBI's documents were silent, we scored conservatively.
Card | Score | Tier | Best for |
|---|---|---|---|
SBI SimplyCLICK | 60 | C Tier | Heavy online spenders on SBI's 10X partners |
Category | Score |
|---|---|
Reward Value (max 20) | 11 |
Fee Value (max 15) | 11 |
Redemption Quality (max 10) | 4 |
Use-Case Fit (max 15) | 11 |
Eligibility and Accessibility (max 10) | 7 |
Benefits and Perks (max 10) | 4 |
Hidden Costs and Conditions (max 10) | 5 |
Bank and User Experience (max 10) | 7 |
Who Is the SimplyCLICK Credit Card For?
Freshers and beginners
A reasonable first card if you shop online and want a low fee. The ₹499 fee is offset in year one. Eligibility details are not clearly published on the pages we read, so confirm income and age rules at application. For other starters seehow to compare credit cards in India.
Middle-aged families
Useful if the household buys groceries, medicines and gifts online from partner sites such as Netmeds or IGP. If most family spending is at local shops, a flat-rate card suits better.
Travellers and frequent flyers
Weak. There is no lounge benefit in what we read and the forex markup is 3.5%. Cleartrip and Yatra earn 10X only on the direct route, not through affiliate channels.
Professionals (CA, lawyers, doctors)
Good as a secondary card for software, courses and online purchases. The ₹1 lakh waiver is easy to cross. Do not use it for rent or government payments, which earn nothing.
Senior citizens and retirees
Only if you shop online often. For pension income and low-use cards, a lifetime-free card is simpler.
Checklist
Confirm today's 10X partner list on SBI's site.
Estimate your yearly online spend against the ₹1 lakh waiver.
Ask what one reward point is worth when you redeem it.
Pay in INR and on the merchant's official site or app.
Pay the full bill each month; interest is 3.75% a month.
Common Mistakes to Avoid
Assuming every online spend earns 10X; only listed partners do.
Booking Cleartrip or Yatra through affiliate links.
Using it for rent, government payments, gaming or wallet loads.
Using it abroad and paying a 3.5% forex markup.
Valuing points at a number the bank has not published.
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FAQs
Is the SBI SimplyCLICK credit card worth it?
Yes, if most of your spend is online and on SBI's 10X partners. If your spend is mostly offline, it is not.
What is the annual fee of SBI SimplyCLICK?
₹499 plus GST. SBI's offer gives a ₹500 Amazon Pay gift card on the fee, and the renewal fee is waived at ₹1 lakh of yearly spend.
How many reward points does SimplyCLICK give?
10 points per ₹100 at listed partners, 5 per ₹100 on other online spends (capped at 10,000 points a month) and 1 per ₹100 offline.
Does SimplyCLICK have lounge access?
Not in the benefits we read. Its milestone benefit is a ₹2,000 e-voucher at ₹1 lakh and ₹2 lakh of online spend.
What is one SimplyCLICK reward point worth?
SBI's documents we read do not state it. Points are redeemed against partner e-gift vouchers, so check the catalogue before counting on a rate.
Which spends earn no points on SimplyCLICK?
Rent, government payments, digital gaming, wallet loads, cash advances, Flexipay and offline fuel.
What is the forex markup on SimplyCLICK?
3.5%. Use a different card for foreign spends; ourforex markup calculatorshows the cost.
Who should avoid the SimplyCLICK card?
Offline spenders, frequent travellers abroad and anyone who wants a guaranteed cashback value per point.
Official Sources and Editorial Note
Data checked as of: November 2026
SimplyCLICK SBI Card product page
https://www.sbicard.com/en/personal/credit-cards/shopping/simplyclick-sbi-card.page
SimplyCLICK reward point terms and conditions (PDF, March 2026)
SimplyCLICK reward terms (PDF)
SimplyCLICK T&C and MITC booklet
SimplyCLICK MITC booklet (PDF)
SBI Card customer notices
https://www.sbicard.com/en/customer-notices.page
This article is written from official sources and does not rely on third-party wording.
Editorial note:Fees, partner lists and caps can change. SBI's product page did not render fully for us, so eligibility and the rupee value per point are not confirmed. Check SBI Card's current terms before applying.
Related reading:How We Review Credit Cards·HDFC Tata Neu Infinity review
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