SBI SimplyCLICK Credit Card Review 2025 – Best Online Shopping Card for Beginners
Introduction: Want Rewards for Every Click?
If you love online shopping and want a credit card that gives maximum rewards for every click, the SBI SimplyCLICK Credit Card could be your perfect match. With exclusive partnerships with Amazon, BookMyShow, Cleartrip, and more, this card is ideal for beginners, students, or anyone who wants to earn cashback on their daily online spends.
Let’s dive into all the features that make the SBI SimplyCLICK one of the most popular credit cards in 2025!
🌟 SBI SimplyCLICK Credit Card – At a Glance
| Feature | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 (waived on ₹1L spend) |
| Reward Rate | Up to 10X reward points |
| Ideal For | Online shopping & beginners |
🔥 Top Features & Benefits Of SBI Simplyclick Card
🛍️ 1. 10X Reward Points on Partner Websites
Earn 10X points (10 RP = ₹2.50) on:
Amazon.in
BookMyShow
Cleartrip
Lenskart
Netmeds
Apollo 24x7
Eazydiner
💻 2. 5X Reward Points on All Other Online Spends
For every ₹100 spent online (non-partner sites), get 5 reward points
💳 3. Milestone Benefits
Spend ₹1,00,000/year = Annual Fee Waiver
Spend ₹1,00,000/year = ₹2,000 Cleartrip Voucher
🍔 4. Other Perks
Fuel surcharge waiver (1%) on spends ₹500–₹3,000
Secure online transactions with OTP-based 3D Secure
🧮 Reward Points Value & Redemption
| Spend Type | Reward Points per ₹100 | Value |
|---|---|---|
| Partner Sites | 10 | ₹2.50 |
| Online (Others) | 5 | ₹1.25 |
| Offline | 1 | ₹0.25 |
✅ Redeem points on SBI Card rewards catalog for gift vouchers, merchandise, travel, and more.
💸 Fees & Charges (2025 Updated)
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 (waived on ₹1L spend/year) |
| Interest Rate | ~3.5% per month |
| Late Payment | ₹400 to ₹950 based on bill amount |
💡 Pay bills on time and in full to avoid interest & penalties.
👤 Eligibility Criteria
| Requirement | Details |
|---|---|
| Age | 21 to 60 years |
| Income | ₹18,000/month or above |
| Employment | Salaried or self-employed |
| Credit Score | 700+ preferred (but flexible for new applicants) |
✅ Pros & Cons of SBI SimplyCLICK
Pros:
✔️ High rewards on Amazon and partner brands
✔️ Low annual fee with easy waiver
✔️ Great for beginners & online shoppers
✔️ Milestone voucher worth ₹2,000
Cons:
❌ No lounge access or travel benefits
❌ Reward value lower for offline purchases
❌ Only 10X at specific partners
🛍️ Best for People Who:
Shop regularly on Amazon, BookMyShow, or Lenskart
Are first-time credit card users
Want a low-cost card with solid returns
Prefer reward points over cashback
📝 How to Apply Online?
Visit the SBI Card Website
Search “SimplyCLICK Credit Card”
Fill in your mobile number, PAN, and income
Complete e-KYC & upload documents
Get instant approval (if eligible)
🧠 Final Verdict: Is It Worth It in 2025?
Absolutely, dear! For just ₹499 a year, the SBI SimplyCLICK Credit Card offers excellent value for anyone who shops online frequently. With 10X reward points, an easy-to-achieve annual fee waiver, and exclusive partner discounts, this card is one of the best beginner credit cards in India in 2025.
📢 Call to Action:
💳 Want to save money on your daily online shopping?
👉 Apply for SBI SimplyCLICK Credit Card Now
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