SBI SimplyCLICK Review 2026
Last reviewed:
Quick verdict
SBI's best bet for online shoppers who prefer a straightforward rewards structure. The 10X points on partner sites and ₹500 Amazon joining gift offset the first year's fee entirely. Works best if you do most of your shopping online and want a card within the SBI ecosystem.
Pros
- Welcome benefit: ₹500 Amazon gift card
- Accessible eligibility — minimum income around ₹20,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.35% per month (40.20% p.a.) if you carry a balance
Key benefits
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Fees & charges at a glance
| Joining Fee | ₹499 + GST |
|---|---|
| Annual Fee | ₹499 + GST |
| Rewards | 10X Reward Points on online partners |
| Welcome Benefit | ₹500 Amazon gift card |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 |
| Add-On Card Fee | ₹249 + GST |
| Min Income | ₹20,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The SBI SimplyCLICK is best suited for direct online shopping. It is a cashback card on the Visa network, and SBI generally looks for a minimum income of ₹20,000/month. If your spending matches its reward categories (10x reward points on online partners), the card can pay for its annual fee of ₹499 + GST. If not, a lifetime-free card may give you better net value.
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SBI SimplyCLICK: frequently asked questions
What is the annual fee of the SBI SimplyCLICK?
The SBI SimplyCLICK has a joining fee of ₹499 + GST and an annual fee of ₹499 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with SBI.
What rewards does the SBI SimplyCLICK give?
10X Reward Points on online partners. Amazon gift card worth ₹500 on joining. 5X Reward Points on other online spends.
Does the SBI SimplyCLICK offer airport lounge access?
No. The SBI SimplyCLICK does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the SBI SimplyCLICK?
SBI typically requires a minimum income of ₹20,000/month for the SBI SimplyCLICK, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the SBI SimplyCLICK?
The SBI SimplyCLICK charges 3.35% per month (40.20% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the SBI SimplyCLICK?
The foreign currency markup on the SBI SimplyCLICK is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the SBI SimplyCLICK to UPI?
No. The SBI SimplyCLICK runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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