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SBI SimplyClick Credit Card

4.325,000 reviewsShoppingEntry Level
Welcome offer₹500 Amazon Voucher
Annual fee
₹ 499
Reward rate
10X Rewards on Apollo, BookMyShow, Cleartrip, Domino's, Myntra
Credit score
650+
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Free to apply via CardGuruji · subject to issuer approval

SBI SimplyClick Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

10X Rewards on Apollo, BookMyShow, Cleartrip, Domino's, Myntra

5X on other online spends

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Milestone rewards e-vouchers

  • Fuel surcharge waiver

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Great for online shopping

  • Low fee

What to watch out for

  • Points devaluation

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹499Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1300
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5%
Balance transfer
3.5%
Cash advance
3.5%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

650+out of 900
Average credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about SBI SimplyClick Credit Card

Everything you need to know about SBI SimplyClick Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for SBI SimplyClick Credit Card is nominal, and the annual renewal fee is ₹499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for SBI SimplyClick Credit Card from SBI Card, a CIBIL score of 650 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

SBI SimplyClick Credit Card is designed to reward everyday spends. It currently features: "₹500 Amazon Voucher". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.

SBI SimplyClick Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for SBI SimplyClick Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.