SBI SimplyCLICK Credit Card
SBI SimplyCLICK: judge the online benefits against your spending and renewal cost.
By Ash · Issuer source linked 2 October 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing. Voucher-equivalent value, not cash paid to your bank account. ₹500 Amazon voucher / 2,000 points = ₹0.25 per point. This is one illustrated catalogue choice, not a universal point value; Swiggy is listed at 10X in the card-specific reward terms, but actual eligibility depends on merchant identification and channel rules.
For ₹10,000 of eligible online shopping spending in one modelled cycle, the estimate is ₹125 (1.25% after the modelled cap). 5x online bucket: 10,000 points/calendar month, then 1 point/₹100; voucher value ₹0.25/point. This example excludes merchant offers, redemption fees, annual milestones and transaction-level rounding. Cap terms: 5X other-eligible-online and 10X listed-partner rewards have separate 10,000-point calendar-month caps; after each accelerated cap, eligible spend earns 1 point/₹100.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: Renewal fee waived at ₹1L eligible spend in the preceding 365 days.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Issuer earning and redemption terms. Category values assume eligible transactions; caps and redemption charges can reduce the final return.
1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing.
Voucher-equivalent value, not cash paid to your bank account. ₹500 Amazon voucher / 2,000 points = ₹0.25 per point. This is one illustrated catalogue choice, not a universal point value; Swiggy is listed at 10X in the card-specific reward terms, but actual eligibility depends on merchant identification and channel rules.
PROS
- 10X points on eligible listed partners, subject to merchant IDs and exclusions
- 5X points on other eligible online spend, subject to issuer online identifiers
- ₹1L renewal-fee waiver threshold on eligible preceding-year spend
CONS
- Reward points are redeemed as partner e-vouchers, not statement cash
- Separate accelerated-point caps and transaction exclusions apply
- No lounge access listed
- Published earn rules: 1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing.
- Redemption choice: 1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing. Voucher-equivalent value, not cash paid to your bank account. ₹500 Amazon voucher / 2,000 points = ₹0.25 per point. This is one illustrated catalogue choice, not a universal point value; Swiggy is listed at 10X in the card-specific reward terms, but actual eligibility depends on merchant identification and channel rules.
- Renewal decision: Listed annual fee: ₹499 before applicable tax. Renewal fee waived at ₹1L eligible spend in the preceding 365 days. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
Reward points are redeemed as partner e-vouchers, not statement cash. Separate accelerated-point caps and transaction exclusions apply. No lounge access listed
How does SBI SimplyCLICK earn rewards?
1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing.
Are points and cashback the same?
1 point/₹100 other eligible spend; 5 points/₹100 eligible online and 10 points/₹100 on listed exclusive partners. The card-specific terms list Apollo 24/7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy and Yatra; SBI's product video names a different set, so this page follows the dated card-specific terms. The 5X other-online and 10X listed-partner buckets each cap at 10,000 points per calendar month; eligible spend after either cap earns 1 point/₹100. 10X partner earn requires INR payment and an eligible merchant MID; Cleartrip/Yatra affiliate transactions are excluded. The issuer relies on correct online identifiers and merchant classification. Rent (MCC 6513), government (9399/9311), digital gaming (5816, 7993, 7994), cash advance, balance transfer, Encash, Flexipay and offline fuel do not earn points; wallet loading at partner MCCs 6540/6541 is excluded. SBI Card-platform utility bill payments do not earn 5X. GyFTR voucher purchases earn 10X only on its SimplyCLICK portal. Points redeem for partner e-vouchers, cannot pay card outstanding, and expire after 24 months. The ₹500 Amazon Pay welcome gift is conditional on paying the ₹499 first-year membership fee and maintaining an eligible account in good standing. Voucher-equivalent value, not cash paid to your bank account. ₹500 Amazon voucher / 2,000 points = ₹0.25 per point. This is one illustrated catalogue choice, not a universal point value; Swiggy is listed at 10X in the card-specific reward terms, but actual eligibility depends on merchant identification and channel rules.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. Renewal fee waived at ₹1L eligible spend in the preceding 365 days. Exclude unused vouchers and promotional offers from your baseline.