SBI SimplyClick Credit Card Review – CardExpert

SBI SimplyCLICK Credit Card

SBI SimplyClick Credit Card is one of the very few credit cards in India that has pretty good reward rate on regular spends for beginners.

While it used to be one of the most sought after entry-level credit card in the past because of the 10X rewards, it’s still a good pick in it’s current form. Here’s everything you need to know about the SBI SimplyClick Credit Card.


Type Cashback Credit Card
Reward Rate 0.20% – 2%
Annual Fee 499 INR+GST
Best for Online spends upto 2 Lakhs a year
USP Milestone benefits

SBI SimplyClick Credit Card has been the only best entry-level credit card until the launch of SBI Cashback Credit Card.

While SBI Cashback Credit Card is primarily meant for online spends with the possibility of getting devalued anytime, SBI SimplyClick Credit Card is evergreen and could get you a decent reward rate of over 2% on annual spends of 2 Lakhs, thanks to the milestone benefit, which we’ll see shortly.

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Fees & Charges

Joining Fee 499 INR+GST
Welcome Benefit 500 INR Amazon eVoucher
Renewal Fee 499 INR+GST
Renewal Benefit
Renewal Fee waiver Spend 1 Lakh

While Amazon voucher takes care of the fee for 1st Year, annual spend of just 1 Lakh is sufficient for the renewal fee to be waived off, which is easy for most cardholders in the segment.


SBI Simply CLICK Credit Card Design

SBI SimplyClick Credit card is probably one of the few entry-level cards that also looks good in terms of design.

Earlier it used to be in matt finish and now it’s being issued with a shiny front face that looks more appealing.


Online Spends ~1%
Offline Spends ~0.20%
Select merchants (10X) ~2%

Note that the point value on SBI SimplyClick Credit Card has dropped from 25ps to 20ps recently.

But the good thing is that we can redeem points for Amazon Pay eVouchers which is almost cash equivalent.

10X Rewards

10X rewards on SBI SimplyClick Credit Card
  • 10X Rewards = 10 * 0.20 = 2% Reward Rate

The SBI SimplyClick Credit Card was quite popular in the past because of it’s 10X rewards especially on Amazon for obvious reasons but that it no longer available.

While the current partners are decent, the drop in point value further makes it less attractive than it used to be.


1 Lakh 2,000 INR Cleartrip/Yatra
2 Lakh 2,000 INR Cleartrip/Yatra
  • Yatra Voucher: Can be redeemed for flights/hotels
  • Cleartrip Voucher: Can be redeemed only for flights
  • Voucher Validity: 4 months
  • Voucher is usually triggered in ~2 weeks of reaching the milestone.

This is a neat and simple benefit which is useful for travellers. While they used to have only Cleartrip Voucher in the past, it seems they’re now offering Yatra Vouchers.

So by reaching the milestone through typical online spends, one could easily get a sweet reward rate of 3% which is great for this segment.

My Experience

SBI Simply CLICK Credit Card experience

I was using SBI SimplyClick Credit Card in the past, before moving to SBI Prime for few years and then to Aurum.

Back in time I got the Cleartrip vouchers which I used for a stay in Malaysia. The redemption was quick and simple.

Cleartrip redemption

And I recently downgraded my Aurum to Simplyclick once again to primarily retain the credit limit on the card.

And for the milestone spends, this time I got the Yatra Vouchers. Hope the redemption is as simple as it used to be on Cleartrip.

Yatra redemption

While I haven’t used the Yatra voucher, from t&c it appears to be a straightforward process to redeem them as well.

How to Apply?

SBI SimplyClick Credit Card can be applied online which uses the latest sprint application system for quicker processing.

If you’re new to the sprint application process, this article may help: SBICard Sprint Credit Card Application Process.

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The SBI SimplyClick Credit Card is great for beginners who don’t spend a lot, whether they’re shopping in stores or online.

If your annual spends are over 2 Lakhs and if they’re primarily online then you should instead go for the SBI Cashback Credit Card that offers lucrative 5% Cashback on online spends.

While the Cashback Card is the hot pick for beginners since 2022, it may anytime go for the next round of devaluation.

Nevertheless, SBI SimplyClick Credit Card also serves as a solution to hold the credit limit until the next premium credit card arrives.

Do you hold SBI SimplyClick Credit Card? Feel free to share your thoughts in the comments below.

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