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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
1.25% on Online Shopping
5X points on Amazon, BookMyShow, Lenskart, Netmeds, Cleartrip (Swiggy reduced to 5X from Apr 2025)
0.25% on Other
1X base points
Annual Fee Waiver
Fee of ₹499/yr fully waived when you spend ₹1,00,000/year
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
Sonia does 80% of her shopping on Amazon. SBI SimplyCLICK gives 10X reward points on Amazon (worth 2.5% back at ₹0.25/point), plus the same accelerated earn on Cleartrip, Lenskart, and Netmeds. Her ₹6,000/month Amazon spend earns ₹1,800/year. She hits ₹1L annual spend in April and gets a ₹500 Amazon voucher, and another at ₹2L — effectively making the ₹499 fee a profit.
Who is this for?
For Amazon loyalists with a predictable monthly spend of ₹3,000–8,000 on Amazon. The 10X points on Amazon combined with the milestone vouchers mean the card pays you back more than its annual fee by the middle of the year.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 1.25% | — |
| Other | reward points | 0.25% | — |
Online Shopping: 5X points on Amazon, BookMyShow, Lenskart, Netmeds, Cleartrip (Swiggy reduced to 5X from Apr 2025) · Amazon,Cleartrip,Lenskart,Netmeds,Swiggy
Other: 1X base points
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
₹500 Amazon voucher on spending ₹1L per year
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (1.25% back).
Pros
- 10X points on Amazon, BookMyShow, Lenskart, Netmeds, and Cleartrip
- Annual fee extremely low at ₹499
- E-vouchers worth ₹2,000 at spend milestones effectively make it free
- Lifetime free on ₹1L annual spend
Cons
- 3.75% forex markup
- Reward points require minimum 2,000 for redemption
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
Point values are low outside the accelerated categories, and the Cashback sibling renders it redundant above ₹8,000/month online spend.
Bottomline
CardAdvisor Rating: 4.3 / 5SimplyCLICK is the budget online card done right — the Amazon 10X plus twice-yearly vouchers reliably return several times the ₹499 fee for ordinary online spenders. For Amazon regulars not ready for the Cashback card's fee, start here.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI SimplyCLICK Credit Card are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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