The verdict
The partner rate and travel vouchers depend on transaction eligibility and actual voucher use. A reliable net cash return cannot be established from the captured terms.
The product page lists 10 points per ₹100 at eligible partners and two ₹2,000 travel vouchers at annual online-spend milestones of ₹1 lakh and ₹2 lakh.
Amazon is a welcome-gift brand, not a listed 10× shopping partner. Partner identifiers, exclusions and voucher redemption conditions can reduce realized value.
✓What works
- +Eligible transactions at SBI Card's listed online partners earn 10 points per ₹100.
- +Other eligible online transactions earn 5 points per ₹100 up to the stated monthly cap.
- +Renewal fee reversal applies after at least ₹1 lakh annual spend in the preceding year.
✕What doesn't
- −Partner rewards require INR payment and qualifying merchant identifiers; affiliate-channel Cleartrip and Yatra bookings do not qualify for 10×.
- −The 5× category has a 10,000-point calendar-month cap, after which base points accrue.
- −The milestone voucher brand is chosen by SBI Card and voucher use has restrictions.
What it earns
The product page states 4 points = ₹1. Actual redemption options, fees and realized value need a separate current catalogue check.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Eligible listed online partners | 10 points / ₹100 | — | — |
| Other eligible online transactions | 5 points / ₹100 | 10,000 points per calendar month; then 1 point / ₹100 | — |
| Other eligible spend | 1 point / ₹100 | — | — |
Accelerated earn
Eligible partner and online shopping rewards
Partner and online transaction identifiers govern accelerated earning.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Listed online partnersINR payments at qualifying partner merchant identifiers only. | 10× · 10 points / ₹100 | — | — |
| Other eligible online transactionsAfter the cap, 1 point per ₹100 accrues. | 5× · 5 points / ₹100 | 10,000 points per calendar month | — |
Redemption options
The page states 4 points = ₹1; current catalogue inventory, redemption charges and practical value remain to be checked.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +SBI Card currently lists Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata Cliq for eligible 10× online transactions.
- +₹500 Amazon Pay welcome gift follows first-year membership-fee payment and the card-specific gift conditions.
- +Each ₹2,000 Cleartrip or Yatra milestone voucher requires the corresponding annual online-spend threshold; SBI Card chooses the voucher brand.
✕Excluded Spends & Fee Traps
- −Amazon shopping is not on the captured 10× partner list.
- −Rent, government-related and digital-gaming transactions do not earn points under the dated card terms.
- −Offline fuel and specified wallet-loading transactions do not earn points; utility payments through SBI Card's own channels do not earn 5×.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| First-year fee | ₹499 + applicable taxes |
| Renewal fee | ₹499 + applicable taxes; reversed after at least ₹1 lakh annual spend in the preceding year |
| Fuel surcharge waiver | 1% on ₹500–₹3,000 transactions; maximum ₹100 per statement cycle |
Eligibility & Approval Criteria
Target Profile: Online shoppers who can use the listed partners and travel vouchers
Frequently Asked Questions
Does SBI SimplyCLICK Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for SBI SimplyCLICK Credit Card?
What is the reward rate and point redemption value on SBI SimplyCLICK Credit Card?
Which transactions are excluded from earning rewards on SBI SimplyCLICK Credit Card?
Who is SBI SimplyCLICK Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is India’s iconic entry-level online shopping credit card, created by SBI Card on the Visa platform to reward young professionals, students, and digital-first spenders who conduct the majority of their retail transactions online. With an affordable membership fee of ₹499 + GST, the renewal fee is 100% reversed upon reaching ₹1,00,000 in qualifying retail spends in the previous card anniversary year.
The card is structured around immediate fee recovery and digital reward multipliers: cardholders receive an upfront ₹500 Amazon gift card upon joining fee realization (fully offsetting the ₹499 fee), earn 10 reward points per ₹100 spent (2.5% valueback) with exclusive digital partner brands (Cleartrip, Yatra, Netmeds, BookMyShow, Dominos, and Myntra), 5 reward points per ₹100 (1.25% return) across all other online merchants, and unlock up to ₹4,000 in Cleartrip flight and hotel e-vouchers through annual milestone spending.
Key Privileges and Practical Everyday Benefits
- Instant Joining Fee Offset with ₹500 Amazon Voucher: Receive an upfront ₹500 Amazon gift card upon realization of the joining fee within 30 days of card issuance.
- 10X Reward Multipliers on Digital Partners: Earn 10 reward points per ₹100 spent (2.5% return at 4 points = ₹1) on online transactions with key digital partners: Cleartrip, BookMyShow, Yatra, Netmeds, Dominos, and Myntra.
- 5X Accelerated Rewards on All Other Online Spends: Earn 5 reward points per ₹100 spent (1.25% return) on all other online e-commerce transactions and digital shopping websites.
- Cleartrip Travel Milestone Vouchers:
- Unlock a complimentary ₹2,000 Cleartrip e-voucher on achieving ₹1,00,000 in annual online retail spending.
- Unlock an additional ₹2,00,0 Cleartrip e-voucher upon reaching ₹2,00,000 in annual online retail spending (total ₹4,000 in annual travel vouchers).
- 1% Fuel Surcharge Waiver & Contactless Convenience: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all fuel stations across India (maximum waiver of ₹100 per statement cycle).
- Accessible Spend Waiver Target: The ₹499 annual renewal fee is automatically reversed on annual retail spends of ₹1,00,000 or more in the preceding year.
Important Terms and Spend Conditions to Keep in Mind
- Low Base Offline Reward Yield: In-store physical point-of-sale swipes earn only 1 reward point per ₹100 spent (0.25% valueback), making it unsuitable as an offline grocery card.
- Redemption Fees: Redeeming accumulated reward points for statement credit or catalog vouchers incurs standard SBI Card processing fees of ₹99 + GST per redemption.
- Milestone Voucher Validity: Cleartrip e-vouchers are issued digitally and must be redeemed within their stipulated validity period (typically 12 months) on flight or hotel bookings.
- No Complimentary Airport Lounges: The card does not include complimentary domestic or international airport lounge access.
- Excluded Spend Categories: Fuel transactions, wallet reloads, rent payments, government utility payments, and cash advance transactions do not accrue reward points or count toward milestone thresholds.
Who Benefits Most
- First-Time Cardholders & Young Professionals: Digital natives beginning their credit journey seeking easy fee waivers and instant Amazon welcome benefits.
- Regular Cleartrip, Netmeds & BookMyShow Users: Shoppers who actively utilize partner brands to maximize 10X reward points.
- Budget-Conscious Online Spenders: Consumers spending ₹10,000 to ₹20,000 monthly online who can effortlessly reach the ₹1 Lakh fee waiver and unlock ₹2,000 in free travel vouchers.
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).