SBI SimplyCLICK Credit Card Review (2026): 10X Partners, Amazon Voucher & Fees
Quick answer SBI SimplyCLICK is an online-shopping rewards card with ₹499 + taxes joining and annual fee (renewal waived at ₹1 lakh/year spend per KFS). Welcome benefit: ₹500 Amazon.in voucher on membership fee payment. Earn 10X reward points at SBI Card’s exclusive online partners (monthly cap 10,000 points on partner + other online buckets) and 5X on other online spends. Best if most of your card spend is on partner apps/sites — not for heavy offline or fuel use.
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Searches for sbi simply click credit card, simply click credit card benefits, and sbi simply click vs simply save usually mean SBI Card’s entry-level online rewards product. This review covers fees, 10X partner earn, Amazon welcome voucher, lounge access, milestones, and official apply steps — using SBI Card programme documents.
Verify before you apply: SimplyCLICK SBI Card — SBI Card · SimplyCLICK T&Cs (PDF) · Key Fact Statement (fees)
Key benefits
Summary of marketed benefits for SBI SimplyCLICK Credit Card (May 2026 — confirm on issuer MITC before applying):
- 10X reward points on exclusive online partners
- Amazon.in e-gift card worth ₹500 on annual fee payment
- Annual fee reversal on ₹1 lakh spend in a year
- e-Vouchers worth ₹2,000 on yearly spends of ₹1L and ₹2L
- 1% fuel surcharge waiver on transactions ₹500–₹3,000
We verify fees and exclusions against official issuer documents; partner marketing may differ from MITC.
At a glance
| Detail | SBI SimplyCLICK |
|---|---|
| Joining / renewal fee | ₹499 + taxes (SBI Card KFS) |
| Fee waiver | Renewal waived on ₹1,00,000+ annual spend in preceding year |
| Welcome gift | ₹500 Amazon.in voucher on membership fee payment (programme T&Cs) |
| Partner earn | 10X reward points on exclusive online partners |
| Other online | 5X reward points on other eligible online spends |
| Offline | 1X (standard earn — confirm MITC) |
| Monthly caps | 10,000 RP/month each on 10X partner bucket and 5X online bucket (per T&Cs) |
| Lounge | Up to 4 domestic visits/year (1/quarter) with ₹50,000 prior-quarter spend (SBI lounge programme) |
| Best for | Amazon, travel, food delivery, and partner e-commerce spends |
View SimplyCLICK on SBI Card →
SBI SimplyCLICK credit card benefits
Welcome benefit — ₹500 Amazon voucher
Per SBI Card’s SimplyCLICK programme T&Cs (PDF):
- ₹500 Amazon.in voucher (redeemable on Amazon.in or the Amazon app) after payment of the ₹499 annual membership fee for the eligible card year.
- Voucher code sent to the registered mobile number within about 30 days of fee payment.
- Account must be in good standing (not suspended/blocked) to receive the gift.
- Not eligible for 10X: buying Amazon gift cards with the card; Amazon utility bill pay/recharges (per T&Cs from 1 Sep 2021).
10X reward points on online partners
sbi simply click credit card benefits for ongoing spend focus on accelerated online earn:
- 10X reward points on INR spends at SBI Card’s exclusive online partners (listed in the rewards catalogue / product page — typically includes brands such as Apollo 24×7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Swiggy, Yatra, and others; confirm live list on SBI Card).
- 5X reward points on other eligible online spends (separate monthly cap).
- Caps: cumulative 10,000 reward points per calendar month on the 10X partner bucket and 10,000 points per month on the 5X online bucket; thereafter standard earn applies (per T&Cs w.e.f. 1 Oct 2020).
- Exclusions: wallet loads (MCC 6540/6541), utility bill pay via SBI Card site/app (no 5X), fuel, cash advance, balance transfer, Flexipay, etc.
- Cleartrip: affiliate-channel bookings excluded from 10X (per T&Cs).
- MID dependency: 10X posts only when the partner’s merchant ID is correctly mapped — delays possible if MIDs are pending.
SBI SimplyCLICK lounge access
sbi simply click credit card lounge access is spend-linked, not unlimited. Per SBI Card’s lounge programme summary for SimplyCLICK:
- 4 complimentary domestic lounge visits per year (max 1 per quarter).
- Condition: ₹50,000+ spend in the previous calendar quarter on your SimplyCLICK card.
- See the current domestic lounge list on SBI Card before travel.
Milestone rewards
SBI Card has run spend-linked e-vouchers (e.g. Cleartrip) at annual spend milestones on SimplyCLICK — partners and amounts change by campaign. Check the live product page and welcome kit for current milestone gifts; older booklets reference Cleartrip voucher terms in the programme PDF.
SimplyCLICK vs SimplySAVE — which SBI card?
sbi simply click vs simply save is a common comparison. In short:
| SimplyCLICK | SimplySAVE (typical positioning) | |
|---|---|---|
| Focus | Online shopping & partner apps | Everyday offline + select categories |
| Headline earn | 10X partners, 5X other online | 10% off dining, movies, etc. (per SBI SAVE product — verify MITC) |
| Welcome | ₹500 Amazon voucher | Different gift structure — check SBI Card |
| Fee | ₹499 + taxes (KFS) | ₹499 tier on many SAVE variants — verify KFS |
| Pick CLICK if | You spend mainly on partner websites/apps | You want offline dining/departmental discounts |
For pure online cashback simplicity, also compare SBI Cashback (cashback vs reward points).
Fees and charges
From SBI Card’s Key Fact Statement (May 2026):
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + applicable taxes |
| Annual / renewal fee | ₹499 + applicable taxes |
| Renewal fee waiver | Waived if annual spend ≥ ₹1,00,000 in the preceding year |
sbi simply click credit card annual fee is low, and the ₹500 Amazon voucher can offset the first year’s fee if you shop on Amazon.in. Finance charges, late payment fees, and forex markup follow the card MITC.
Reward point value
SimplyCLICK earns reward points, not direct cashback. Effective value depends on redemption (Shop & Smile catalogue, partners, or statement options per SBI Card policy). At a rough guide of 4 points = ₹1 on many SBI redemptions, 10X on ₹100 spend ≈ 10 points — validate redemption rates before valuing rewards.
How to apply (official)
Apply on SBI Card (official) →
Pros and cons
Pros: Low fee with ₹1L waiver; Amazon welcome voucher; strong 10X on partner online spends; 5X on other online; lounge possible at moderate quarterly spend; good starter card for e-commerce users.
Cons: Monthly 10k point caps on 10X and 5X buckets; offline spend weak; partner/MID issues can delay points; Amazon bill pay and gift-card loads excluded; reward points less intuitive than cashback; milestone gifts change over time.
Is the SBI SimplyCLICK credit card worth it?
sbi simply click credit card review verdict: strong for partner-heavy online spenders who will hit fee waiver at ₹1L/year. Example: ₹8,000/month on 10X partners = ₹96,000/year — near waiver threshold, with welcome Amazon voucher offsetting year-one fee. If most spend is offline or on non-partner merchants, SBI Cashback or a marketplace card like Flipkart Axis may return more.
Who should skip this card
- You carry a balance month to month — interest near 42% p.a. wipes out cashback.
- Your spend is mostly offline or in excluded categories (fuel, rent, wallets, EMI) with little eligible online spend.
- You already hold a stronger cashback card for your top merchants and cannot justify another annual fee even with waiver rules.
Compare next
FAQ
What is the sbi simply click credit card annual fee? Typically ₹499 + taxes, with renewal waived at ₹1,00,000 annual spend per SBI Card KFS.
Does SimplyCLICK give 10% cashback on Amazon? No — it earns 10X reward points on eligible Amazon purchases (not gift cards or utility/recharge per T&Cs), which is not the same as 10% cashback.
sbi simply click credit card lounge access? Up to 4 domestic visits per year (1 per quarter) when you spend ₹50,000+ in the previous quarter.
simply click vs simply save — which is better? SimplyCLICK for online partner spends; SimplySAVE for offline lifestyle categories — compare current MITCs on SBI Card.
sbi simply click credit card maximum limit? Set at approval based on income and credit profile; no published fixed maximum.
Sources checked
- SBI Card — SimplyCLICK SBI Card
- SBI Card — SimplyCLICK programme T&Cs (PDF)
- SBI Card — Key Fact Statement
- SBI Card — Airport lounge access
Important: Approval is subject to SBI Card’s eligibility and credit assessment. Partner lists and milestone offers change — confirm on the issuer site before applying. This content is informational only and is not financial advice. Credit cards are debt products — pay statements in full to avoid interest. Disclaimer · Report an error