SBI SimplyCLICK SBI Credit Card
SBI Bank
Last updated: Jan 21, 2026
₹499
₹499
2.5%
No lounge access
Contents
Apply for SBI SimplyCLICK SBI Credit Card
Processing time: 5-7 business days | Standard approval process
The SBI Bank SimplyCLICK SBI Card is a value-focused online-shopping rewards card ideal for frequent e-commerce shoppers. It offers accelerated rewards on online spends, a small annual fee, milestone benefits, and easy add-on cards. The card balances everyday utility with targeted online rewards and merchant offers.
Features of SBI SimplyCLICK SBI Credit Card which makes it unique
Digital Offers
Merchant-funded online offers and partner campaigns
Extra savings and higher points on partner sites
Better for dedicated online shoppers
Rewards Structure of SBI SimplyCLICK SBI Credit Card
Online
acceleratedPurchases on partner e-commerce
Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds & Yatra.
High rewards on partner online shopping: Earn 10× Reward Points (approximately 2.5% value back) on purchases made at SBI SimplyCLICK partner e-commerce platforms such as Amazon, BookMyShow, Cleartrip, Domino’s, Myntra, Apollo 24×7, Netmeds, and other listed partners. These accelerated rewards make the card most rewarding for frequent online shoppers. Monthly caps and eligible partners are subject to SBI Card’s prevailing terms and issuer announcements.
Base
baseAll other eligible merchants
Excludes fuel, EMI, utilities, wallet top-ups
Standard rewards on regular spending: All eligible non-partner spends earn 2 reward points for every ₹100 spent, which translates to a base reward rate. This applies to everyday purchases made outside SBI SimplyCLICK partner platforms. Fuel, EMI transactions, utility payments, and wallet top-ups are excluded from reward earnings. Final eligibility is determined by SBI Card based on merchant category codes.
Online
acceleratedOn every other online purchase.
Extra rewards on non-partner online spends: Earn 5× Reward Points (approximately 1.25% value back) on online purchases made outside SBI SimplyCLICK partner platforms. This applies to general e-commerce and online transactions not covered under the 10× partner list. Monthly caps and eligible merchant categories are subject to SBI Card’s terms and issuer announcements.
Milestones of SBI SimplyCLICK SBI Credit Card
Milestone Reward
₹50,000 : Bonus points or voucher as per issuer campaign
Entry-level spend milestone reward: On spending ₹50,000 within the specified period, cardholders may receive bonus reward points or a gift voucher, depending on the active SBI Card campaign at that time. The exact reward, eligibility window, and credit timeline are defined by the issuer and may change without prior notice.
Higher Milestone
₹2,00,000 : Premium reward as specified by issuer
Higher spend milestone benefit: Customers who achieve a higher cumulative spend of ₹2,00,000 may be eligible for a premium milestone reward, such as enhanced reward points or exclusive vouchers, as announced by SBI Card. Rewards vary by campaign and are subject to issuer terms, timelines, and fulfilment conditions.
Fees & Charges of SBI SimplyCLICK SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Spend ₹1 lakh or more on your SimplyCLICK SBI Card in the 12 months before the renewal date and the ₹499 annual fee.
Fee Explanation Standard bank interest and fees apply to overdue and cash transactions as per issuer schedule.
Detailed Explanation of SBI SimplyCLICK SBI Credit Card Fees
Joining/Annual Fee: ₹499 (yearly)
Spend ₹1 lakh for wavier of Joining/Annual Fee.
Annual fee waived on moderate yearly spending: The SBI SimplyCLICK Credit Card carries a ₹499 joining and annual fee, charged yearly. This fee is waived if you spend ₹1 lakh or more in a year. For users who regularly shop online and use partner platforms, meeting the waiver threshold is fairly achievable. If the spend condition is not met, the annual fee is charged in the following billing cycle.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Cash withdrawals are costly and not recommended: Cash advances on the SBI SimplyCLICK Credit Card attract a 2.5% fee per transaction, subject to a minimum of ₹300. In addition to this fee, interest is charged immediately from the transaction date, with no interest-free period. Cash withdrawals do not earn reward points and should be avoided unless absolutely necessary.
Lounge Access Benefits with SBI SimplyCLICK SBI Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Lounge access depends on variant and issuer campaigns
No complimentary lounge access: The SBI SimplyCLICK Credit Card does not offer complimentary domestic or international airport lounge access as a standard benefit. Lounge access, if any, is not guaranteed and may only be available under limited-time issuer campaigns or specific card variants, subject to SBI Card’s discretion and applicable terms and conditions.
Insurance Coverage with SBI SimplyCLICK SBI Credit Card
Purchase protection
₹50,000Valid for eligible purchases within specified days of purchase
Limited purchase protection cover: The SBI SimplyCLICK Credit Card provides purchase protection insurance up to ₹50,000 for eligible transactions. Coverage typically applies to items purchased using the card and is valid for a limited period from the date of purchase, as defined by the insurer and SBI Card. Claims are subject to specified timelines, exclusions, documentation requirements, and policy terms. Coverage does not apply to all product categories and may exclude items such as perishables, cash equivalents, or misuse-related damage.
Additional Features of SBI SimplyCLICK SBI Credit Card
Contactless Payments
Tap-and-pay enabled
Fast and secure contactless payments: The SBI SimplyCLICK Credit Card supports contactless (tap-and-pay) transactions, allowing quick payments without inserting the card or entering a PIN for low-value transactions, subject to RBI guidelines and issuer limits. For security reasons, PIN authentication may be required after a certain number of transactions or once the transaction value crosses the prescribed limit. Contactless payments can be enabled or disabled through the SBI Card app or customer support.
Add-on Cards
Available for family members above 18
Up to issuer-specified number of add-on cards
Add-on cards for family members: The SBI SimplyCLICK Credit Card allows you to request add-on cards for eligible family members (typically above 18 years of age). Add-on cards share the same credit limit as the primary card, and all spends are reflected in the primary cardholder’s statement. Reward points earned on add-on card transactions are credited to the primary card account. Issuance, limits, and eligibility are subject to SBI Card’s policies and approval.
Welcome Bonus with SBI SimplyCLICK SBI Credit Card
Welcome Bonus: Amazon gift voucher worth ₹500
Bonus Conditions: Gift voucher issued on payment of joining/annual fee and card activation. Applicable to eligible new cardholders only. T&C apply.
Application Process for SBI SimplyCLICK 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 or partner site
Quick online application: Apply online through the official SBI Card website or authorised partner platforms. Ensure your mobile number is linked to Aadhaar for a smoother digital application and faster processing.
Upload KYC and supporting documents
Complete KYC verification: Upload required KYC documents such as PAN, address proof, and income proof (if applicable). Self-employed applicants may be asked for additional financial documents as per SBI Card norms.
Receive verification call or OTP
Final verification: SBI Card may complete verification through an OTP-based process or a short confirmation call. Once approved, the card is usually dispatched within a few working days.
Card dispatched within issuer-specified timeline
Card dispatch timeline: Once approved, the SBI SimplyCLICK Credit Card is usually dispatched within 3–5 working days. Delivery timelines may vary based on the applicant’s location and courier partner. Card tracking details are shared via SMS or email.
Required Documents for SBI SimplyCLICK SBI Credit Card
ID Proof
allAccepted documents:
Valid identity proof required: Any one valid government-issued ID such as PAN, Aadhaar, or Passport is required for identity verification. The document must be clear, valid, and match the applicant’s details provided during the application.
Address Proof
allAccepted documents:
Valid address proof required: Any one valid address proof such as Aadhaar Card, Passport, Voter ID, Driving Licence, or a recent utility bill/bank statement (as per SBI Card guidelines) is required. The address must match the application details and the document should be recent and clearly legible.
Income Proof
salariedAccepted documents:
Income proof as per employment type: Income proof is required based on the applicant’s employment status. Salaried applicants may submit recent salary slips, Form 16, or bank statements showing salary credits. Self-employed applicants may be asked for ITR, audited financials, or bank statements. Documents must be valid, recent, and clearly readable, as per SBI Card norms.
SBI SimplyCLICK SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally wherever Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI SimplyCLICK SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹240,000
Minimum annual income
Self-Employed Applicants
₹360,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and KYC documents as required by SBI Card.
How Approval Is Decided
- Minimum income as per issuer policy
- Indian resident
- Acceptable credit score as determined by issuer
Pros of SBI SimplyCLICK SBI Credit Card
- Excellent online shopping rewardsHigh value for online spends: The card offers accelerated reward points on partner e-commerce platforms, making it especially rewarding for frequent online shoppers compared to regular spends.
- Low annual feeAffordable entry-level fee: With a relatively low joining and annual fee, the card is suitable for beginners and users looking for value without committing to premium card charges.
- Simple welcome voucher offerEasy-to-earn joining benefit: New cardholders receive a welcome voucher on payment of the joining fee, without complex spend milestones or conditions.
Cons of SBI SimplyCLICK SBI Credit Card
- Limited lounge access on base variantNot ideal for lounge seekers: The base variant does not offer complimentary lounge access, which may be a drawback for frequent travellers.
- Accelerated rewards limited to partner merchantsRewards depend on merchant tie-ups: Higher reward rates apply only on selected partner platforms, while non-partner spends earn lower base rewards.
Frequently Asked Questions about SBI SimplyCLICK SBI Credit Card
Is the card accepted internationally?
Yes. The card is issued on the Visa network and is globally accepted where Visa is accepted.
The card can be used for international transactions at all merchants that accept Visa. International usage may be subject to foreign currency mark-up fees, dynamic currency conversion, and RBI guidelines. It is recommended to enable international usage via the SBI Card app before travelling.Is there a joining or annual fee?
Yes. The joining/annual fee is ₹499 (plus applicable taxes). Fee reversal or waiver depends on issuer spend criteria.
The ₹499 annual fee can be waived if you meet the minimum annual spend requirement set by SBI Card. If the spend condition is not met, the fee is charged in the next billing cycle.What is the welcome gift?
An Amazon.in e-gift voucher worth ₹500 on payment of the joining/annual fee and card activation for eligible customers.
The ₹500 Amazon.in e-gift voucher is issued only after the card is activated and the joining or annual fee is successfully paid. The voucher is usually sent within a few weeks and is subject to SBI Card’s ongoing offer terms.How many reward points do I earn on online spends?
Eligible online spends on partner merchants earn accelerated points (merchant-specific, up to 10 pts/₹100). Other spending earns the base rate.
Accelerated reward points apply only on purchases made at select partner merchants. The reward rate, merchant list, and monthly caps may change as per SBI Card’s terms. Non-partner online spends earn reward points at the standard base rate.Can I get lounge access with this card?
Base SimplyCLICK variants typically do not include complimentary lounge access. Specific variants or campaigns may offer limited access.
The base SBI SimplyCLICK Credit Card does not offer complimentary airport lounge access. Lounge benefits, if any, are available only under select variants or limited-time issuer campaigns. Always check the current offer details before applying if lounge access is important to you.What documents are required to apply?
Valid PAN, KYC identity and address proof (Aadhaar, passport, utility bill, etc.) and income proof where applicable.
Applicants must submit a valid PAN card along with KYC documents for identity and address verification, such as Aadhaar, Passport, Voter ID, or recent utility bills. Income proof may be required based on employment type and SBI Card’s internal eligibility checks.Add Your Review
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