The SBI SimplyClick Credit Card is a long-standing entry-level credit card in India that continues to deliver a solid reward rate on everyday spends. It remains a sensible option for new cardholders who want consistent value without chasing premium tiers.
Although it was once highly popular for its 10X rewards, the card still offers meaningful benefits today, particularly for regular online spenders. Below is a clear summary of what the card offers and how it performs in practical use.
Table of Contents
- Overview
- Fees & Charges
- Design
- Rewards
- 10X Rewards
- Milestone
- My Experience
- How to Apply?
- Bottomline
Overview
| Type | Cashback Credit Card |
| Reward Rate | 0.20% – 2% |
| Annual Fee | 499 INR+GST |
| Best for | Online spends up to 2 Lakhs a year |
| USP | Milestone benefits |
Before the SBI Cashback card arrived, SimplyClick was widely regarded as one of the best entry-level options. It remains practical because its milestone structure can boost effective rewards on annual spends, making it competitive for those who spend moderately online.
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 |
The welcome Amazon e-voucher effectively offsets the first-year fee. For renewal, simply spending 1 Lakh in a year qualifies for the fee waiver, which is achievable for many cardholders in this segment.
Design
The card has a clean, attractive design. Earlier issued with a matte finish, recent versions feature a shinier front that many users find more appealing.
Rewards
| SPEND TYPE | CASHBACK % |
|---|---|
| Online Spends | ~1% |
| Offline Spends | ~0.20% |
| Select merchants (10X) | ~2% |
- Points Validity: 2 Years
- No points on discounted products on Flipkart/Amazon
Note that the per-point value was revised from ₹0.25 to ₹0.20. However, points can be redeemed for Amazon Pay e-vouchers, which function similarly to cash for many users.
10X Rewards
- 10X Rewards = 10 * 0.20 = 2% Reward Rate
The card gained popularity due to 10X rewards on select merchants, though the partner mix and point value changes have reduced the relative appeal. Still, on eligible categories the effective reward can reach about 2%.
Milestone
| SPEND REQUIREMENT | MILESTONE BENEFIT | VOUCHER TYPE | Reward Rate (Cumulative) |
|---|---|---|---|
| 1 Lakh | 2,000 INR | Cleartrip/Yatra | 2% |
| 2 Lakh | 2,000 INR | Cleartrip/Yatra | 2% |
- Yatra Voucher: Can be redeemed for flights and hotels
- Cleartrip Voucher: Can be redeemed for flights
- Voucher Validity: 4 months
- Voucher typically issued around two weeks after reaching the milestone
The milestone rewards are simple and traveler-friendly. By combining regular online rewards (~1%) with milestone vouchers (effective ~2% on milestone threshold), cardholders can achieve attractive cumulative returns on annual spends.
My Experience
I used the SBI SimplyClick card earlier, then moved to higher-tier SBI cards for a period, and recently downgraded back to SimplyClick to retain the credit limit. In earlier use I received Cleartrip vouchers and redeemed them smoothly for travel. On a recent milestone I received Yatra vouchers, which appear to have a straightforward redemption process based on the terms and conditions.
Overall the card has performed reliably for basic rewards and milestone benefits, and redemption experiences have been uncomplicated in my experience.
How to Apply?
You can apply for the SBI SimplyClick Credit Card online through SBI’s application flow, which generally uses a streamlined process for faster approvals.
Bottomline
- Cardexpert Rating: 4/5
SBI SimplyClick Credit Card is well-suited for beginners and for cardholders who spend around ₹1–2 Lakh annually, especially if a portion of that is online. It offers a straightforward rewards structure, milestone incentives for travelers, and an affordable annual fee that can be waived with typical annual spends.
If your annual online spend exceeds ₹2 Lakhs and you want higher online cashback, consider cards aimed specifically at higher cashback on online purchases. Otherwise, SimplyClick is a reliable, no-fuss option to retain credit limit and earn steady value.
Do you hold the SBI SimplyClick Credit Card? Feel free to share your experience in the comments below.