SimplyCLICK Advantage SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
2%
No lounge access
Contents
The SimplyCLICK Advantage SBI Card is a rewards-focused shopping card built for online shoppers. It offers rich online reward multipliers, a modest joining/annual fee with a gift voucher on fee payment, and simple redemption options for e-vouchers and partners. Ideal for frequent e-commerce buyers who want high reward rates on partner stores.
Features of SimplyCLICK Advantage SBI Credit Card which makes it unique
E-Shopping Focus
High multipliers for online purchases and partner stores
Maximises rewards for e-commerce shoppers
Better online multipliers than many standard reward cards
Rewards Structure of SimplyCLICK Advantage SBI Credit Card
Online - Partner Stores
acceleratedSelected partner merchants (Amazon, Myntra, Cleartrip, BookMyShow, Yatra, etc.)
10X on listed partner online merchants as per SBI partner list.
Online - Other
acceleratedAll other online merchant transactions
5X on general online spends (non-partner online merchants).
Base
baseAll other eligible merchants (excludes fuel, EMI, utilities, wallet top-ups)
Standard earn rate on offline and non-online spends.
Milestones of SimplyCLICK Advantage SBI Credit Card
Annual Milestone
₹100,000 : Cleartrip voucher / partner voucher (subject to SBI promotion terms)
Fees & Charges of SimplyCLICK Advantage SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee reversed if annual spends ≥ ₹100,000 in the previous year.
Fee Explanation Standard SBI Card fees apply. Late fees and service charges calculated as per card terms.
Detailed Explanation of SimplyCLICK Advantage SBI Credit Card Fees
Joining Fee: ₹499 + taxes (one-time)
Welcome voucher issued on payment of joining/annual fee
Annual Fee: ₹499 + taxes (yearly)
Reversed if annual spends ≥ ₹100,000
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Additional Features of SimplyCLICK Advantage SBI Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-on cards available subject to SBI Card terms
Welcome Bonus with SimplyCLICK Advantage SBI Credit Card
Welcome Bonus: Amazon gift card worth ₹500
Bonus Conditions: Issued on payment of ₹499 annual fee; voucher redeemable on Amazon.in. See SBI T&Cs for eligibility and timelines.
Application Process for SimplyCLICK Advantage SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for SimplyCLICK Advantage SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SimplyCLICK Advantage SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SimplyCLICK Advantage SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and KYC documents as per SBI Card requirements.
How Approval Is Decided
- Minimum income as specified
- Indian resident
- Credit score above threshold
Pros of SimplyCLICK Advantage SBI Credit Card
- Excellent online shopping rewards
- Low annual fee
- Welcome voucher on fee payment
Cons of SimplyCLICK Advantage SBI Credit Card
- Limited offline rewards
- Partner caps and T&Cs apply for 10X offers
Frequently Asked Questions about SimplyCLICK Advantage SBI Credit Card
Is there a joining fee?
Yes. A joining/annual fee of ₹499 + taxes applies; voucher issued on payment.
How do I get the welcome voucher?
Pay the joining/annual fee and the Amazon.in voucher (₹500) will be issued as per SBI T&Cs.
What is the earn rate on partner online stores?
You earn 10 reward points per ₹100 on eligible partner online merchants (subject to partner list and T&Cs).
What is the reward rate on other online spends?
You earn 5 reward points per ₹100 on non-partner online spends.
How do I redeem reward points?
Redeem via SBI Card’s rewards catalogue for e-vouchers, merchandise or partner conversions. Redemption fees may apply.
Is the annual fee reversible?
Yes. The annual fee is reversed if annual spends are ₹100,000 or more in the previous year.
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