SBI SimplyCLICK Credit Card

Overview

The SBI SimplyCLICK has been one of India's default "first credit card" picks for years, and the reasons are easy to see: a small ₹499 + GST fee, forgiving eligibility, and a rewards structure built around online shopping. It will not thrill reward optimisers, but it is a low-risk, low-cost way to start building a credit history while earning something back on the spending you already do online.

Rewards and earning

The headline is 10X reward points on online spends with partner brands. The partner list has included names like Apollo 24|7, BookMyShow, Cleartrip, EazyDiner and Netmeds, though SBI Card can update it from time to time. Every other online spend earns 5X, and offline swipes earn a base 1 point per ₹100.

The important catch is point value. Each reward point is worth roughly ₹0.25 on redemption, so 10X works out to about 2.5% back, not 10%. That is still a solid return for a sub-₹500 card. On top of this, the card offers annual Cleartrip milestone e-vouchers for reaching set online spend levels, which meaningfully lifts the effective return for regular users. The ₹500 Amazon gift card on paying the joining fee also softens the first-year cost right away.

Fees

The joining fee and the annual renewal fee are both ₹499 + GST. The renewal fee is waived once your annual spends cross ₹1,00,000, which is about ₹8,500 a month and one of the easiest waiver bars in the market. There is no lounge access, and the 3.5% forex markup means this card should stay home on international trips. A 1% fuel surcharge waiver applies on fuel transactions between ₹500 and ₹3,000. As with any credit card, revolving balances attract high finance charges (around 3.5% per month), so it pays to clear the bill in full every cycle.

Eligibility

The SimplyCLICK is aimed at entry-level applicants. It is open to both salaried and self-employed people, typically between the ages of 18 and 65, and an income of roughly ₹20,000 per month or more improves your chances of approval. You will usually need PAN, an address proof and an income proof such as salary slips or your ITR. Because it is a starter card, it is often approachable even for people with a thin or new credit file.

Who it is for

This card fits students stepping into their first job, young professionals, and anyone opening their credit file who does most of their shopping online. If your monthly spending flows through sites like BookMyShow, Cleartrip or Netmeds, the 10X category and the low fee make it an easy yes. It is a weaker fit if you spend mostly offline, travel abroad often, or want lounge access and premium perks.

Verdict

For a first or entry-level card, the SBI SimplyCLICK is one of the safest choices in India: cheap to hold, easy to get, and rewarding enough on the online spending you were doing anyway. Heavy spenders will likely outgrow it within a year or two, but even then it earns its place as a fee-waived backup card for online purchases.