SBI SimplyClick Credit Card Review

20.06.2025 03:44 PM - Comment(s)

SBI SimplyClick Credit Card

Financial Expert Advice

Choose Your First (or Next) Credit Card Wisely

"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

and lead to unnecessary debt. Focus on stability & discipline."

SBI SimplyClick Credit Card Review
"Designed for Digital Spends"

Introduction

The SBI SimplyClick Credit Card is an entry-level credit card designed specifically for online shoppers, offering a range of benefits and rewards on digital purchases. Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits

Welcome Benefits

Receive an Amazon gift voucher worth ₹500 on fee realisation.

Reward Structure

Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7/BookMyShow/Cleartrip/ Dominos/ IGP/ Myntra/ Netmeds/ Yatra.
Earn 5X Reward Points on all other online spends.
Earn 1 reward point per ₹100 on all other spends.

Milestone Benefits

e-Vouchers worth ₹2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively.
e-Voucher Brand : Cleartrip / Yatra.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Annual Fee

₹499 + GST, with the option to waive it by spending ₹1 lakh annually.

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Card Essential

Type	Reward Points
Welcome Benefits	Amazon gift voucher worth ₹500
Annual Fee	₹499 + GST
Reward Structure	Rewards on online shopping
Renewal Benefit	Spend ₹1 Lakh+ annually, get your renewal fee waived.

Rewards and Benefits Analysis

The card is ideal for frequent online shoppers, offering substantial rewards at partner stores. The milestone benefits provide additional value through travel vouchers, making it appealing for those who can meet the spending thresholds.

Practical Considerations

While the card excels in online rewards, its benefits are limited for offline purchases. The annual fee is relatively low and can be waived with moderate spending, making it accessible to a wide range of users.

Ideal User Profile

This card is best suited for

Frequent online shoppers.
Those who regularly use partner platforms like Cleartrip and BookMyShow.
Individuals looking for a low-cost credit card with decent rewards.

Final Thoughts

The SBI SimplyClick Credit Card offers a compelling package for online shoppers, with its high reward rate on partner stores and milestone benefits. However, its value is maximized by those who primarily shop online and can fully utilize its digital rewards.

Additional Tips for Potential Applicants

Eligibility: Ensure you meet the income and credit score requirements.
Usage: Maximize online spends at partner stores to get the most out of the rewards.
Redemption: Opt for gift vouchers or travel e-vouchers for the best redemption value.

This review provides a balanced view of the card's strengths and weaknesses, helping readers make informed decisions about whether the SBI SimplyClick Credit Card aligns with their

Spending
habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.

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