SBI SimplyCLICK Credit Card 2025
Save over ₹12,000+ every year with highest online shopping rewards!
Best entry-level online shopping card! SBI SimplyCLICK gives 10X points on Amazon, Flipkart, Swiggy, 5X on other online spends, ₹500 Amazon voucher, and just ₹499 fee.
Perfect for beginners & online shoppers!
Why Choose SBI SimplyCLICK in 2025?
10X Amazon/Flipkart/Swiggy • 5X other online • ₹500 voucher • ₹499 fee • 1% offline
Best for: Online shoppers, beginners, ₹20K-50K/month spenders
Card At a Glance
₹499 + GST
₹499 + GST
10X Online | 1X Offline
₹500 Amazon Voucher
None
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Welcome Benefit | ₹500 Amazon voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹100/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X points (20 points/₹100) on Amazon, Flipkart, Swiggy, Bookmyshow
- 5X points (10 points/₹100) on all other online spends
- 1X points (2 points/₹200) on offline spends
- 1 point = ₹0.25 (vouchers)
- Max 2,000 bonus points/month on 10X category
- Points valid 2 years
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹10 Lakh air accident cover
- ₹1 Lakh fraud liability
- Fraud protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X on Amazon/Flipkart | No lounge access |
| ₹500 welcome voucher | 3.5% forex markup |
| ₹499 super low fee | 2,000 point monthly cap |
| 5X other online spends | 2-year point expiry |
| Easy eligibility | Low offline rewards |
| Beginner friendly |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹4.5 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select SimplyCLICK
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Best starter online shopping card! 10X Amazon/Flipkart + ₹500 voucher = ₹12,000+ value for ₹499 fee. Perfect for beginners & heavy online shoppers!
Frequently Asked Questions (FAQs)
10X on which sites?
Amazon, Flipkart, Swiggy, Bookmyshow (max 2,000 bonus points/month).
₹500 voucher automatic?
Yes! On first transaction within 30 days.
5X on other online?
Yes! All other online merchants get 5X points.
Monthly cap?
2,000 bonus points cap on 10X category only.
Easy to get?
Yes! ₹4.5L income + good credit score.