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SBI SimplyCLICK Credit Card

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SBI Card

SBI SimplyCLICK Credit Card

★ 4.0 / 5 ⓘ How we rate

Best starter card — 10X rewards on top shopping apps

✅ Verified Oct 2026 from SBI Card's official terms →

Joining: ₹499Annual: ₹499🎁 0.25% – 2.5% value back

Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🔟
10X pointsAmazon, Myntra, BookMyShow…
🎁
₹500 Amazonvoucher on fee payment
🎟️
₹4,000 voucherson ₹1L & ₹2L online spend

👤

Perfect for

First-time card users who shop online

Key benefits

10X reward points on partners like Amazon, Myntra, BookMyShow, Cleartrip, Swiggy
5X reward points on all other online spends
₹500 Amazon gift voucher when you pay the annual fee — basically covers the fee
₹2,000 e-voucher each on reaching ₹1 lakh and ₹2 lakh yearly online spends

Like these benefits?Apply online in about 5 minutes.

Apply Now →

What's great

Low fee, easily waived
Welcome voucher pays back the fee
Easy to get approved

Good to know

Bonus points capped at 10,000 per month
Low value on offline spends
No lounge access

Quick facts

Fee waiverRenewal fee waived on ₹1 lakh yearly spend

Lounge accessNone

Min. income₹20,000/month

Age21 – 60 years

Credit score750+

NetworkMastercard

Forex markup3.5%

Joining fee₹499 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words

2Apply onlineOn the bank's secure page — about 5 minutes

3Get your cardInstant digital card on many, plastic by post

Keep these ready

🪪 PAN card
🆔 Aadhaar (for e-KYC / video KYC)
📄 Income proof — salary slip or ITR (not needed for FD-backed cards)

Fees & charges (fine print)

Interest on unpaid bill	3.5%/month (42% p.a.)
Foreign currency markup	3.5%
Cash withdrawal fee	2.5% (min ₹500)
Late payment fee	₹0 – ₹1,300 by bill amount

1% fee on rent payments
₹99 reward redemption fee
18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ SBI SimplyCLICK — common questions

Is the SBI SimplyCLICK Credit Card lifetime free?

No. It has a joining fee of ₹499 and an annual fee of ₹499 (plus 18% GST). Renewal fee waived on ₹1 lakh yearly spend.

What rewards does the SBI SimplyCLICK Credit Card give?

0.25% – 2.5% value back. 10X reward points on partners like Amazon, Myntra, BookMyShow, Cleartrip, Swiggy.

Who is eligible for the SBI SimplyCLICK Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 750+. Final approval is decided by the bank.

Does the SBI SimplyCLICK Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the SBI SimplyCLICK Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI SimplyCLICK Credit Card?

First-time card users who shop online.

Explore🛍️ Shopping Cards🌱 First Credit Card🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

SBI Card SimplyCLICKApply in ~5 min

Apply Now →