Simply Click SBI Credit Card Review, Features, Benefits, and Rewards

Simply Click SBI Credit Card Review: Features, Benefits, and How to Maximize Rewards

                                                                         

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The Simply Click SBI Credit Card has become one of the most popular credit cards in India for people who shop online regularly. With generous reward points, milestone benefits, annual fee reversal, and attractive welcome offers, it’s a card designed to make every online purchase more rewarding. Whether you’re ordering from Swiggy, booking flights on Yatra, shopping for clothes on Myntra, or buying medicines from Apollo 24x7, this card ensures you earn more with every transaction.

In this in-depth review, we will break down the key benefits of the Simply Click SBI Card, explain how to use it strategically, and help you decide if it’s the right fit for your lifestyle.

1. Welcome Offer – Instant Value on Activation

One of the main reasons people choose the Simply Click SBI Card is its welcome benefit. When you apply and pay the joining fee of ₹499 (plus applicable taxes), you receive an Amazon gift card worth ₹500. This essentially covers your first-year joining cost.

Key Points:

• Joining Fee: ₹499 + GST
• Welcome Gift: Amazon e-gift voucher worth ₹500
• How to Get It: Issued within 30 days of paying your joining fee

For anyone who shops on Amazon, this is an instant and hassle-free way to get value right after you activate your card.

2. e-Shopping Rewards – Earn More on Your Favorite Online Platforms

The Simply Click SBI Card is tailor-made for online shopping lovers. It offers 10X Reward Points on specific partner websites and 5X Reward Points on all other online transactions.

10X Reward Points Partners:

• Apollo 24x7 (Healthcare and medicines)
• BookMyShow (Movie tickets and events)
• Cleartrip (Flights, hotels, and holiday packages)
• Dominos (Food delivery)
• IGP (Gifts and personalized products)
• Myntra (Fashion and lifestyle)
• Netmeds (Medicines and wellness products)
• Swiggy (Food delivery)
• Yatra (Travel bookings)

How It Works:

• 10X Reward Points: Partner websites mentioned above
• 5X Reward Points: All other online spends
• 1X Reward Point: Offline purchases

For example, if you spend ₹5,000 on Myntra, you earn 10X reward points, which can be redeemed later for vouchers, merchandise, or statement credit.

3. Milestone Benefits – Bonus Rewards for Big Spenders

If you are a heavy online shopper, the milestone benefit is a game-changer. You can earn Cleartrip or Yatra vouchers worth ₹2,000 each on hitting annual spend targets.

Milestone Tiers:

• Spend ₹1,00,000 online in a year → Get ₹2,000 voucher
• Spend ₹2,00,000 online in a year → Get another ₹2,000 voucher

This means that in addition to your regular reward points, you can earn ₹4,000 worth of travel vouchers every year just by meeting these milestones.

4. Fuel Surcharge Waiver – Save While You Fill Up

The Simply CLICK SBI Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at any petrol pump across India.

Important Details:

• Waiver is applicable on fuel purchases nationwide
• Maximum surcharge waiver of ₹100 per statement cycle
• Valid for both private and public sector fuel stations

This benefit ensures you save on fuel expenses, making the card useful beyond online shopping.

5. Annual Fee Reversal – Keep the Card for Free

One of the standout features of this card is the ability to reverse your annual fee.

How It Works:

• Annual Fee: ₹499 + GST
• Spend ₹1,00,000 in a card anniversary year
• Annual fee gets reversed in the next year

This means that if you spend ₹8,333 per month, you can enjoy the Simply Click SBI Card without paying any annual fee in subsequent years

6. Reward Points Redemption

The reward points you earn can be redeemed for gift vouchers, merchandise, or even to pay your card bill.

Redemption Rate:

• 1 Reward Point = ₹0.25
• Minimum points required for redemption: 2,500
• Redemption options include:
• Lifestyle vouchers
• E-commerce vouchers
• Travel vouchers
• Statement credit

7. Fees and Charges – What You Should Know

While the card offers great value, it’s important to know the costs associated with it.

Fee Type	Amount
Joining Fee	₹499 + GST
Annual Fee	₹499 + GST (waived on ₹1,00,000 spend)
Finance Charges	3.50% per month (42% p.a.)
Cash Advance Fee	2.5% of the amount or ₹500 (whichever is higher)
Reward Redemption Fee	₹99 per request

8. How to Maximize Simply Click SBI Card Benefits

To make the most out of your Simply Click SBI Card:

1. Shop on Partner Websites – Always check if the brand is part of the 10X reward list before purchasing.
2. Plan Big Purchases – If you are close to a milestone spend limit, consider making big purchases before your anniversary year ends.
3. Use for Fuel and Online Payments – Small savings on fuel and extra rewards online can add up.
4. Redeem Points Regularly – Don’t let points expire; redeem them for maximum value.

 

9. Pros and Cons

Pros:

• Excellent for online shoppers
• High reward points on partner websites
• Milestone benefits worth up to ₹4,000 annually
• Amazon welcome voucher covers joining fee
• Annual fee reversal makes it cost-effective

Cons:

• Low rewards for offline purchases
• Reward redemption fee of ₹99
• No airport lounge access

10. Who Should Get the Simply Click SBI Card?

The Simply CLICK SBI Card is perfect for:

• Frequent online shoppers
• People who book travel tickets frequently
• Those who spend over ₹1 lakh annually on online and offline purchases
• Anyone looking for a budget-friendly rewards card

11. How to Apply for Simply Click SBI Card

You can apply for the Simply CLICK SBI Card online in a few simple steps:

1. Visit the official SBI Card website
2. Fill out the application form
3. Submit KYC documents (Aadhaar, PAN, income proof)
4. Complete verification process
5. Receive your card within 7–10 working days

Final Verdict

The Simply Click SBI Card is a value-for-money, rewards-focused credit card that delivers exceptional benefits for online shoppers. With a low joining fee, strong rewards on partner brands, milestone vouchers, and an easy fee reversal option, it’s an excellent choice for anyone who shops digitally.

If you plan your spends strategically, you can extract value far beyond the ₹499 annual fee and even get the card for free year after year.

FAQs – Simply Click SBI Credit Card

Q1: What is the annual fee for Simply Click SBI Credit Card?
The annual fee is ₹499 + GST, waived off on spending ₹1 lakh in a card anniversary year.

Q2: How many reward points do I earn on Swiggy orders?
You earn 10X Reward Points when you order from Swiggy.

Q3: Can I use milestone vouchers for any travel booking?
Yes, the milestone vouchers can be used on Cleartrip or Yatra for flights, hotels, and holiday packages.

Q4: Is the Amazon gift card given every year?
No, the ₹500 Amazon gift card is only given as a welcome benefit in the first year.

Q5: How do I redeem reward points?
You can redeem points through the SBI Credit Card portal for vouchers, merchandise, or statement credit. Each point is worth ₹0.25.