SBI Simplyclick Credit Card Benefits and Apply

Summary 

The SBI Simplyclick Credit Card is an affordable and reward-focused credit card specially designed for online shoppers. With a low joining and renewal fee of ₹499 (plus GST), the card offers a welcome gift of a ₹500 Amazon gift voucher. It provides 10X reward points on online purchases made through select partners like Amazon, Myntra, Swiggy, and BookMyShow, 5X points on other online spends, and 1 point per ₹100 on offline transactions.

The card comes with milestone benefits, such as ₹2,000 worth of travel vouchers on annual spending of ₹1 lakh and ₹2 lakh. The renewal fee is waived if your yearly spending exceeds    ₹1 lakh. Additional perks include a 1% fuel surcharge waiver, contactless payment, and the ability to convert big purchases into EMIs using Flexipay.

Cardholders can also enjoy balance transfer facilities, free add-on cards, and global acceptance at over 24 million outlets. To apply, users must meet basic eligibility like being aged 21–70, earning ₹20,000/month (for salaried), and having a credit score of 750+.

Overall, the SBI Simplyclick Credit Card is a great entry-level option for young professionals and regular online buyers who want to earn rewards and enjoy savings on everyday digital purchases.

Introduction

In today’s digital age, online shopping has become a daily routine for many, and having a credit card that rewards your lifestyle can make a big difference. The SBI Simplyclick Credit Card is tailored for frequent online shoppers, offering attractive reward points, milestone benefits, and exclusive deals with top e-commerce platforms. With a low joining fee, welcome gifts, and accelerated rewards on transactions at partner merchants like Amazon, Myntra, Swiggy, and more, this card is both economical and rewarding.

Whether you’re booking travel, ordering food, or shopping for fashion online, the Simplyclick Credit Card helps you earn more with every purchase. It also offers added perks like fuel surcharge waivers, contactless payments, EMI options, and global acceptance, making it a well-rounded choice for first-time cardholders and regular spenders alike.

This blog provides a detailed overview of the SBI Simplyclick Credit Card, including its features, benefits, eligibility, charges, usage tips, and how to apply—helping you decide if it fits your financial and lifestyle needs.

What is the SBI Simplyclick Credit Card?

The State Bank of India (SBI) Simplyclick Credit Card is a popular budget choice for frequent internet buyers.  It is ideal for tech-savvy customers due to its high reputation for rewarding quicker reward points on online spending, particularly when shopping with certain partner sites.

A membership charge of ₹499 (inclusive of tax) is made by cardholders who are offered a welcome gift of an Amazon e-gift voucher worth ₹500.  Some of the key features of this card include 10X reward points offered to cardholders on online transactions made at special partners like Amazon, Myntra, Swiggy, BookMyShow, and others Offline purchases receive one reward point for every ₹100 spent by consumers, but they get five times the number of reward points for other purchases made online.

Besides, the card also has milestone benefits like earning e-vouchers worth ₹2,000 when annual spending of ₹1 lakh and ₹2 lakh is achieved. The e-vouchers can further be redeemed on websites like Yatra or Cleartrip. It is also economical because the renewal cost is not applied if the spending is over ₹1 lakh per annum.

Other benefits are contactless payment for secure and quick transactions and a waiver of 1% fuel surcharge on fuel transactions between ₹500 and ₹3,000.  Users also have the benefit of EMI and balance transfer facilities.

In summary, the SBI Simplyclick Credit Card is an affordable option for first-time credit card holders and regular internet shoppers who wish to earn rewards on their recurring purchases and enjoy special offers from leading e-commerce websites.

What is the design of the SBI Simplyclick Credit Card?

An appealing design that speaks to Indian cultural aesthetics characterises the SBI Simplyclick Credit Card.  With its eye-catching green mandala pattern, this card is sure to turn heads.

The card’s front face has gone from matte to glossy, which improves its aesthetics.  It has contactless payment technology, so you can make fast, safe purchases, and it works with Visa and MasterCard. 

You can view photographs of the SBI Card’s design on the official website or ask SBI directly if you’d like a visual depiction.

What are the benefits of the SBI Simplyclick Credit Card?

Regular internet shoppers can benefit from using the SBI Simplyclick Credit Card.  It has many useful features that will make shopping online more pleasant for you.

After paying the ₹499 (including taxes) registration fee, one receives a ₹500 Amazon gift card, which is one of its most appealing features.  The card is fantastic for rewarding, with 10X reward points on spending ₹100 at top online sites like Amazon, Myntra, Swiggy, BookMyShow, and more. On all other online transactions, it rewards 5X, while offline transactions reward 1 reward point for every ₹100 spent.

The card has good rewards. The customers get e-vouchers of ₹2,000 when they spend ₹1 lakh or ₹2 lakh online in a year. The vouchers can be redeemed on Yatra or Cleartrip. There is no renewal fee if spending in a year is more than ₹1 lakh.

Cardholders receive a 1% fuel surcharge refund on fuel purchases between ₹500 and ₹3,000 (up to ₹100 per month). It offers contactless payment for secure, tap-and-go transactions up to ₹5,000.

The SBI Simplyclick Credit Card provides the advantages of EMI conversion and balance transfer. It suits online shoppers looking for rewards, savings, and easy spending in their daily lives. 

What are the benefits of the SBI Simplyclick Credit Card?

Exclusive benefit 

SBI Simplyclick Credit Card offers 10X reward points on online purchases made through top e-commerce partners like Amazon, Myntra, Swiggy, and more, making it a perfect choice for frequent online shoppers seeking maximum rewards.

Welcome Gifts: ₹500 Amazon gift card as a welcome gift

Event access vouchers make it a perfect choice for online shoppers seeking maximum rewards and lifestyle perks.

Dining and Lifestyle Benefits

The SBI Simplyclick Credit Card offers several dining and lifestyle benefits. They will enhance your everyday experiences and Lifestyle.​

Dining Benefits

10X reward points on online purchases with exclusive partners like EazyDiner, which can be redeemed for dining-related rewards. ​

Lifestyle Benefits

Welcome Gift: Receive a ₹500 Amazon gift card upon payment of the annual fee. ​

Milestone Rewards: Earn e-vouchers worth ₹2,000 each upon reaching annual online spends of ₹1 lakh and ₹2 lakh, redeemable on platforms like Cleartrip or Yatra.

Fuel Surcharge Waiver: Enjoy a 1% waiver on all fuel transactions between ₹500 and ₹3,000.

Contactless Payments: Benefit from secure and convenient contactless transactions for purchases up to ₹5,000. ​

More Characteristics

Here are the key characteristics of the SBI Simplyclick Credit Card highlighted in main points:

• Worldwide Acceptance – Use the card at 24+ million outlets globally, including 3.25 lakh in India.
  
• Free Add-on Cards – Get supplementary cards for family members (18+ years) at no extra cost.
  
• ATM Cash Withdrawals – Withdraw cash from over 1 million Visa/Mastercard ATMs worldwide.
  
• Utility Bill Payments – Pay electricity, phone, and other bills via the Easy Bill Pay feature.
  
• Balance Transfer Facility – Transfer outstanding balances from other cards at lower interest rates.
  
• Flexipay Option – Convert purchases over ₹2,500 into easy monthly EMIs.
  
• Contactless Payments – Tap-and-pay for secure, fast transactions up to ₹5,000.
  
• Online Account Management – Track spends, rewards, and pay bills via the SBI Card app or website.
  

SBI Simplyclick Credit Card credit card, especially for online and lifestyle spending.

What are the fees for the SBI Simplyclick Credit Card?

Joining Fee	₹499 + GST
Renewal Fee	₹499 + GST
Add-on Cards	Free ​

Finance Charges

• Interest Rate on Outstanding Balances: Up to 3.50% per month (42% per annum)
  
• Foreign Currency Markup Fee: 3.50% of the transaction amount

 

Late Payment Charges

Outstanding ₹0 – ₹500	₹0
₹500 – ₹1,000	₹400
₹1,000 – ₹10,000	₹75
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Over ₹50,000	₹1,300

Other Charges

Cash Advance Fee	2.5% of the amount transacted
Cash Payment Fee	₹100
Cheque Pickup Fee	₹90
Statement Retrieval Fee	₹100 per statement
Overlimit Fee	2% of the over-limit amount (minimum ₹500)
Emergency Card Replacement (Outside India)	Actual cost (minimum $175)
Card Replacement Fee	₹100
Redemption Rewards Fee	₹99

What are the criteria for getting an SBI Simplyclick Credit Card?

To be eligible for the SBI Simplyclick Credit Card 

Age: Applicants should be between 21 and 70 years old. ​

Income:

Salaried Individuals: Minimum monthly income of ₹20,000.​

Self-Employed Individuals: Minimum annual income of ₹3,00,000. ​

Employment Status: Open to both salaried and self-employed individuals.​

Citizenship: Must be a resident of India.​

Credit Score: A credit score of 750 or above is required. ​

Please note that meeting these criteria does not guarantee approval, as the final decision depends on the bank’s internal policies and assessment of your creditworthiness.​

What documents are required to get an SBI Simplyclick Credit Card?

Identity Proof	PAN Card​Aadhaar CardVoter’s ID Card​Passport​Driving License​NREGA Card​ Ration Card
Address Proof	Aadhaar CardPassport​Driving License​Ration Card​Utility Bills (electricity, water, etc., not older than 3 months)
Income Proof	Last 3 months’ salary slips​Bank statements for the last 3 months​Form 16​Income Tax Returns (ITR)Audited financials for the last two years (for self-employed applicants)​
Additional Documents	Recent passport-sized photograph

How to Use the SBI Simplyclick Credit Card for Maximum Benefit?

​The SBI Simplyclick Credit Card is designed primarily for online shopping, offering enhanced rewards and benefits with select partner merchants. Here’s where you can maximize its usage

1. Online Partner Merchants: Earn accelerated rewards on purchases 

Fashion and lifestyle products, Travel bookings. Food delivery and dine-in services. Movie and event ticketing.​ Pharmacy and healthcare products.​ Travel and hotel bookings.​ Online pharmacy.​ Food delivery services.​ Travel services.​

Transactions with these partners earn 10X reward points per ₹100 spent.

2. Other Online Transactions: For online purchases not made through the above partners, you earn 5X reward points per ₹100 spent.​

3. Offline Transactions: Use the card at any merchant outlet accepting Visa or MasterCard globally to earn 1 reward point per ₹100 spent. This includes over 24 million outlets worldwide, with 325,000 in India. 

4. Utility Bill Payments: Paying utility bills such as electricity, telephone, and mobile services via the card’s Easy Bill Pay facility also earns reward points, though the rate may vary.​

5. Cash Withdrawals: The card allows cash withdrawals from over 1 million Visa or MasterCard ATMs globally. However, this service may incur additional charges and is generally subject to interest from the transaction date.​

6. International Usage: While the card is optimized for online and domestic use, it is accepted internationally wherever Visa or MasterCard are accepted. Be mindful of foreign transaction fees applicable to international purchases.​

To fully leverage the benefits of the SBI Simplyclick Credit Card, it’s advisable to focus your spending on the listed partner merchants, especially for online shopping, to maximize reward earnings.​

What is the Credit limit of the SBI Simplyclick Credit Card?

• Income Level: Higher income may qualify for a higher credit limit.
  
• Credit Score: A good credit score ( Required 750 or above) can lead to a better limit.
  
• Existing Relationship with SBI: Long-standing customers with a positive banking history may receive higher limits.
  
• Overall Credit Profile: Factors like existing debts, payment history, and credit utilization are considered.
  
• Typical Credit Limits: Range from ₹30,000 to ₹2,00,000, depending on the applicant’s financial profile.
  
• Credit Limit Increase: You can request an increase by contacting SBI Card’s customer care or visiting a branch.
  
• Fee for Increase: ₹200 + GST for processing a credit limit enhancement request.
  
• Tips: Maintaining a good credit score, making timely payments, and managing credit responsibly can help secure a higher limit over time.

To apply for the SBI Simplyclick Credit Card online, follow these steps:

1. Visit the Official SBI Card Website.
   
   
2. Click ‘Apply Now’:
   
   • On the card’s page, click the ‘Apply Now‘ button to begin your application.​
     
3. Fill Out the Application Form:
   
   • Provide personal details such as your name, date of birth, contact information, and employment details.​
     
4. Submit Required Documents:
   
   • Upload digital copies of necessary documents, including.
     
     

Identity Proof	PAN Card, Aadhaar CardPassport Voter’s ID.
Address Proof	Adhaar CardPassportUtility Bills
Income Proof	Recent salary slips bank statements.

5. Review and Submit:
   
   • Double-check all entered information for accuracy.​
     
   • Agree to the terms and conditions.​
     
   • Click ‘Submit’ to complete your application.
6. Application Acknowledgment:
   
   • After submission, you will receive an application reference number.​
     
   • Use numbers to track your application status.
     

Additional Notes:

Age	Between 21 to 70 Years
Employment	Both Salaried and Self-Employment
Income	Salaried Minimum Income ₹20,000 Self-Employed Minimum Income ₹300,000

• Eligibility Criteria.

• Fees

Joining Fee	₹499 (plus applicable taxes).
Renewal Fee	₹499 annually, waived if annual spends exceed ₹1,00,000.

• Benefits:
  
  • Welcome Gift: Amazon gift card worth ₹500 upon payment of the annual fee.​
    
  • Reward Points: Earn 10X points on spends with exclusive partners and 5X points on other online spends.​
    
  • Annual Fee Reversal: Spend ₹1,00,000 annually to have the renewal fee waived in the subsequent year.

Conclusion  

The SBI Simplyclick Credit Card is a smart and budget-friendly choice for individuals who frequently shop online. With a low annual fee of ₹499 and a welcome Amazon voucher worth ₹500, the Credit card immediately offers value. Its biggest advantage is the 10X reward points on online spending with top partners like Amazon, Myntra, Swiggy, and BookMyShow, making it ideal for tech-savvy users and first-time cardholders.

This card also provides milestone rewards, with e-vouchers worth ₹2,000 for annual spends of ₹1 lakh and ₹2 lakh. The renewal fee is waive if you spend ₹1 lakh or more in a year, adding further savings. Other useful features include a 1% fuel surcharge waiver, contactless payments, and access to EMI and balance transfer options. You can also withdraw cash from ATMs and use the card globally at Visa or MasterCard outlets.

With its appealing design, easy application process, and lifestyle benefits like dining rewards and travel vouchers, the SBI Simplyclick Credit Card is a great all-rounder. If you’re someone who enjoys online shopping and wants to earn rewards while managing expenses smartly, this card is a reliable and rewarding financial tool to consider.

Frequently Asked Questions (FAQ’s)