SBI Simply Click Credit Card Review 2021

SBI Simply Click credit card is one of the best credit cards for online shopping.

You would get 10X rewards points for online shopping at portals like Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart and UrbanClap.

A direct saving of upto 2.5% on your online shopping.

SBI Simply Click Credit Card Complete Review

SBI Simply Click is a must to have credit card in the pocket if you regularly spend online. You can save 2.5% on the partner websites and 1.25% on other online spends.

Let’s check all the benefits in detail

SBI Simply Click Credit Card Benefits

Welcome Gifts on SBI Simply Click Credit Card

You get gift vouchers worth Rs. 500, equivalent to the first-year fee as a welcome benefit.

Milestone Benefit

  • You will get a Cleartrip voucher worth Rs. 2000 on spending Rs. 1 Lakh in a year,
  • Get additional Cleartrip voucher worth Rs. 2000 if your annual expenses cross Rs. 2 Lakhs

Note: Vouchers are valid only for online bookings to be made on only on flights and hotels bookings.

Reward Points & Other Benefits

  • 10X reward points on Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, and UrbanClap.
  • 5X rewards points on other online spends.
  • 1 reward point per Rs. 100 on all other spends
  • 1% fuel surcharge on transactions between Rs. 500 to 3000. The maximum waiver is Rs. 100 per statement.

Reward Ratio

Every reward point is worth Rs 0.25 if you redeem using SBI rewards program. If we calculate the reward ratio then the actual saving would be

CategorySaving %
10X Category2.5%
Other online Spends1.25%
Other Spends0.25%

Reward Points Redemption

You can redeem SBI Simply Click rewards point for Amazon gift voucher or Cleartrip gift voucher using SBI rewards program.

You will get Rs. 500 gift voucher for 2000 reward points in both the options.

I would prefer Amazon gift voucher because of multiple usages like shopping, recharge, bill payments and movie ticket booking.

SBI Simply Click Card Annual Fee

Annual fee: Rs. 499

You will get next year annual fee waiver on spending Rs. 1 lakh in a year. You will have to spend on average 10K per month through credit card to get the fee waiver.

Annual Saving Calculation

You can save up to 4.5% with your Simply Click Credit Card. For calculation, I am taking the assumption of entire spend on 10X category.

Expenses in
Year 1
Rs. 80,000
Rs 1.2 Lakhs
Rs. 2 Lakhs
100% online shopping
with exclusive partners
Rewards Points on spends8,00012,00020,000
Reward point value
(1RP = Re 0.25)
Rs. 2000Rs. 3000Rs. 5000
Joining benefitRs. 500Rs. 500Rs. 500
Milestone benefitRs. 2000Rs. 4000
Total Benefits (Rs)250055009500
Annual FeesRs. -499Rs. -499Rs. -499
Total savingsRs. 2001Rs. 5001Rs. 9001
Savings % age
(Total savings/ Total Spends)

What I like, dislike about SBI Simply Click Credit Card

What I like

  • You can get an annual fee waiver
  • 10X rewards points on exclusive online spending sites
  • Direct Rs. 2500 saving if you spend Rs 1 lakh for 10X rewards
  • 5X reward points on other online spends
  • Milestone benefits (Cleartrip e-vouchers of Rs. 4000)

What I Didn’t Like

  • Basic reward ratio for regular spends

SBI Simply Click Credit Card vs SBI Simply Save Credit Card

Credit CardSimply ClickSimply Save
Reward Points
Up to 10X on
online shopping
10X on Departmental stores,
Movie and Grocery
Other Spends1 Reward Point1 Reward Point
Welcome GiftRs. 500
Amazon voucher
Rs. 100 cash back
on first ATM withdrawal
Milestone Bonus
Spend – Rs 1 lakh
Cleartrip voucher
for Rs 2000
Milestone Bonus
Spend – Rs. 2 lakh
Cleartrip voucher
for Rs 2000
Reward RatioRs 0.25Rs 0.25
Annual FeeRs. 499Rs. 499
WaiverOn spending 1 LakhOn spending 1 Lakh
Best ForOnline ShoppingDepartmental & Grocery

Check out complete SBI simply save credit card review

Final Words

SBI Simply Click is a good credit card if you spend mostly on the 10X category websites. You would end up saving a decent amount.

Share your experience or ask queries regarding SBI Simply Click credit card in the comments.

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