SBI Simply Click Credit Card Complete Review
SBI Simply Click is a must to have credit card in the pocket if you regularly spend online. You can save 2.5% on the partner websites and 1.25% on other online spends.
Let’s check all the benefits in detail
SBI Simply Click Credit Card Benefits
Welcome Gifts on SBI Simply Click Credit Card
You get Amazon.in gift vouchers worth Rs. 500, equivalent to the first-year fee as a welcome benefit.
- You will get a Cleartrip voucher worth Rs. 2000 on spending Rs. 1 Lakh in a year,
- Get additional Cleartrip voucher worth Rs. 2000 if your annual expenses cross Rs. 2 Lakhs
Note: Vouchers are valid only for online bookings to be made on www.cleartrip.com only on flights and hotels bookings.
Reward Points & Other Benefits
- 10X reward points on Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, and UrbanClap.
- 5X rewards points on other online spends.
- 1 reward point per Rs. 100 on all other spends
- 1% fuel surcharge on transactions between Rs. 500 to 3000. The maximum waiver is Rs. 100 per statement.
Every reward point is worth Rs 0.25 if you redeem using SBI rewards program. If we calculate the reward ratio then the actual saving would be
|Other online Spends||1.25%|
Reward Points Redemption
You can redeem SBI Simply Click rewards point for Amazon gift voucher or Cleartrip gift voucher using SBI rewards program.
You will get Rs. 500 gift voucher for 2000 reward points in both the options.
I would prefer Amazon gift voucher because of multiple usages like shopping, recharge, bill payments and movie ticket booking.
SBI Simply Click Card Annual Fee
Annual fee: Rs. 499
You will get next year annual fee waiver on spending Rs. 1 lakh in a year. You will have to spend on average 10K per month through credit card to get the fee waiver.
Annual Saving Calculation
You can save up to 4.5% with your Simply Click Credit Card. For calculation, I am taking the assumption of entire spend on 10X category.
Rs 1.2 Lakhs
|Rs. 2 Lakhs|
|100% online shopping|
with exclusive partners
|Rewards Points on spends||8,000||12,000||20,000|
|Reward point value|
(1RP = Re 0.25)
|Rs. 2000||Rs. 3000||Rs. 5000|
|Joining benefit||Rs. 500||Rs. 500||Rs. 500|
|Milestone benefit||—||Rs. 2000||Rs. 4000|
|Total Benefits (Rs)||2500||5500||9500|
|Annual Fees||Rs. -499||Rs. -499||Rs. -499|
|Total savings||Rs. 2001||Rs. 5001||Rs. 9001|
|Savings % age|
(Total savings/ Total Spends)
What I like, dislike about SBI Simply Click Credit Card
SBI Simply Click Credit Card vs SBI Simply Save Credit Card
|Credit Card||Simply Click||Simply Save|
|Up to 10X on|
|10X on Departmental stores,|
Movie and Grocery
|Other Spends||1 Reward Point||1 Reward Point|
|Welcome Gift||Rs. 500|
|Rs. 100 cash back|
on first ATM withdrawal
Spend – Rs 1 lakh
for Rs 2000
Spend – Rs. 2 lakh
for Rs 2000
|Reward Ratio||Rs 0.25||Rs 0.25|
|Annual Fee||Rs. 499||Rs. 499|
|Waiver||On spending 1 Lakh||On spending 1 Lakh|
|Best For||Online Shopping||Departmental & Grocery|
SBI Simply Click is a good credit card if you spend mostly on the 10X category websites. You would end up saving a decent amount.
You can apply for SBI Simply click credit card from this quick application link
Share your experience or ask queries regarding SBI Simply Click credit card in the comments.