SBI SimplyCLICK Credit Card
A decent starter card for online shoppers, but outclassed by newer options in 2026.
By Ashutosh · Updated June 2026
SBI SimplyCLICK was one of the first cards to offer meaningful online rewards in India. 2.5% on 9 partner brands and 1.25% on all online purchases still sounds reasonable. But the landscape has changed — HDFC Millennia gives 5% on partners, Amazon Pay ICICI gives 5% on Amazon, and Axis ACE gives 1.5% uncapped everywhere.
The card's main remaining advantage is its low ₹499 fee (waivable at ₹1L) and SBI's wide acceptance. For SBI customers who want a simple online rewards card without switching banks, it works. For everyone else, there are better options.
Existing SBI customers who want a low-fee online rewards card and regularly shop on partners like Cleartrip, Myntra, or BookMyShow. Good starter card for building credit history with SBI.
You want the best online rewards available. At 1.25% online and 0.25% offline, this card is significantly behind HDFC Millennia (5% on partners) and Axis ACE (1.5% uncapped).
10x (2.5%) partners, 5x (1.25%) online, 1x (0.25%) other · 1pt = ₹0.25
PROS
- 2.5% on Swiggy/Cleartrip/Myntra/BookMyShow
- 1.25% on all online
- Easy fee waiver
CONS
- Only 0.25% offline
- No lounge access
- Point redemption limited to e-vouchers
- SBI partner brands: 2.5% on Apollo 24/7, BookMyShow, Cleartrip, Dominos, Myntra, Swiggy, Yatra. If you use 3+ of these regularly, the partner rate adds up.
- General online shopping: 1.25% on all online purchases is automatic — no partner restrictions. Better than many entry cards' online rates.
- Building SBI credit history: Easy approval for SBI account holders. Good stepping stone to SBI ELITE or SBI Cashback cards.
0.25% offline is nearly worthless. A ₹5,000 grocery run earns ₹12.50. Use virtually any other card for offline purchases.
1.25% on Amazon vs 5% with Amazon Pay ICICI (free card). No contest.
2.5% on Swiggy via partner rate, but HDFC Millennia gives 5% and HDFC Swiggy gives 10%.
Amazon card for Amazon (5%), SimplyCLICK for other online partners (2.5%). Both have low/no fees.
View Amazon Pay ICICI →ACE for offline and utility bills, SimplyCLICK for online partner brands. Covers the online/offline gap.
View Axis ACE →Is SBI SimplyCLICK worth it in 2026?
Only if you're an SBI customer who uses 3+ partner brands regularly. Otherwise, HDFC Millennia or Axis ACE offer better value for similar or lower fees.
How do I redeem SimplyCLICK reward points?
Points can be redeemed as e-vouchers for partner brands. 1 point = ₹0.25. The voucher-only redemption is a limitation — no direct statement credit.
Can I upgrade from SimplyCLICK to SBI Cashback?
Yes, SBI allows upgrades based on your credit history and spending pattern. Contact SBI Cards customer service to request an upgrade.