State Bank of India
SimplyCLICK
The SimplyCLICK remains a high-velocity starter card for online shoppers, offering 10X rewards on partners like Myntra, Swiggy, and Cleartrip, and 5X on all other online spends. While the April 2026 redemption overhaul and the loss of Amazon as a 10X partner are setbacks, its ₹1 lakh annual fee waiver keeps it a low-maintenance favorite for digital natives.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 30 May 2026.
At a Glance
Annual Fee
₹499
Joining Fee
₹499
Fee Waiver
Spend ₹1,00,000 annually
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
0.2% – 4.5%
Our Take
The SimplyCLICK remains a high-velocity starter card for online shoppers, offering 10X rewards on partners like Myntra, Swiggy, and Cleartrip, and 5X on all other online spends. While the April 2026 redemption overhaul and the loss of Amazon as a 10X partner are setbacks, its ₹1 lakh annual fee waiver keeps it a low-maintenance favorite for digital natives.A 2026 deep-dive reveals a more restrictive landscape for this "Click" classic. Most notably, Amazon and Apollo 24x7 have been moved from the 10X to the 5X reward tier, and Swiggy rewards are now capped at 5,000 points monthly. The biggest friction point is the April 1, 2026, redemption policy: you can now only redeem points for statement credit in multiples of 4,000 (₹1,000 value), with a ₹99 fee per request. While the ₹2,000 Cleartrip/Yatra milestone vouchers at ₹1L and ₹2L spends provide a healthy 2% additional kicker, the lack of lounge access and the new 1% fee on third-party education payments signal its transition into a strictly "shopping-only" tool.
Pros
- Diverse 10X Online Partner Ecosystem: Earns a flat 2.5% value-back (10X Points) on a massive list of partners including Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Swiggy, and Yatra. This 'horizontal' coverage is better for users who don't want to be locked into just one e-commerce giant.
- Consistent 5X 'Any-Online' Rewards: Offers a 1.25% value-back (5X Points) on *any* other online spend, including Amazon, Flipkart, and local boutique sites. For *CreditGully* readers, this makes it the perfect safety net for online purchases that don't fall into a specific co-branded category.
- Dual-Tier Milestone Vouchers: Grants a ₹2,000 e-voucher (Cleartrip/Yatra) on reaching ₹1 Lakh in annual online spends, and *another* ₹2,000 voucher at the ₹2 Lakh mark. For a user hitting the second milestone, this adds an effective 2% extra value-back on top of regular points.
- Highly Attainable Fee Waiver: The ₹499 annual fee is reversed if you spend just ₹1 Lakh in a year. Given that this is an 'Online' focused card, most urban professionals will hit this milestone through their basic monthly utilities and shopping alone.
- Instant Redemption via Amazon/ClearTrip: Points can be converted directly into e-gift vouchers for major brands. Unlike premium cards that require complex air-mile transfers, the SimplyCLICK is designed for 'Instant Gratification'—you earn today and shop tomorrow.
Cons
- The 2026 'Redemption Multiple' Trap: Effective April 1, 2026, SBI Card allows point-to-statement-credit redemption *only* in multiples of 4,000 points. This means if you have 3,500 points (~₹875), you cannot use them until you earn another 500, creating a 'liquidity lock' for low spenders.
- Zero Lounge Access: Despite its popularity, the card offers no domestic or international airport lounge visits. In 2026, where even basic cards like the AU IXIGO or HDFC Millennia offer spend-based lounge access, this is a significant 'lifestyle' missing link.
- The 2025/26 Swiggy Throttling: As of mid-2025, SBI revised the Swiggy rewards from 10X to 5X for SimplyCLICK. While other partners remain at 10X, the de-acceleration on food delivery has hurt its value for urban 'power-orderers.'
- Microscopic 0.25% Base Rate: On all offline spends (including groceries at local shops or pharmacy swipes), the card earns a measly 1 point per ₹100. This is one of the lowest base rates in India, making it a poor choice for any physical 'in-store' transaction.
- Comprehensive Category Exclusions: Following the 2026 industry trend, SBI has excluded Rent, Insurance, and Government payments from earning any reward points. Furthermore, wallet loading no longer counts toward the ₹1 Lakh annual fee waiver milestone.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Partner Brands (10X Rewards) | 10 Reward Points (RP) per ₹100 | 2.50% | No Upper Cap Explicitly mentioned in TnC |
| Other Online Spends (5X Rewards) | 5 RP per ₹100 | 1.25% | 10,000 RP per month |
| Offline Spends | 1 RP per ₹100 | 0.25% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹1 Lakh | Fee Waiver0 pts | ₹499 + GST Savings | Annual fee for the next year is waived if you spend ₹1 Lakh annually. |
| ₹1 Lakh | Cleartrip/Yatra Voucher0 pts | ₹2,000 E-Voucher | Awarded for hitting ₹1 Lakh annual online spend. |
| ₹2 Lakh | Cleartrip/Yatra Voucher0 pts | ₹2,000 E-Voucher | Awarded for hitting ₹2 Lakhs annual online spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Statement Credit (Cash) | ₹0.25 per point4:1 Ratio | Best Value (Must be in multiples of 4,000 points / ₹1,000 credit) |
| Gift Vouchers (Amazon/Lifestyle) | ₹0.25 per point4:1 Ratio | Safe (Redemption fee of ₹99 + GST applies to all vouchers) |
What You Need to Know
New 4k Redemption Block
Effective April 1, 2026, statement credit only allowed in blocks of 4,000 RP.
Impact: Requires a spend of ₹40,000 (at 10X) or ₹80,000 (at 5X) to unlock the first ₹1,000 credit.
Amazon/Swiggy 5X Cap
Amazon and Swiggy have been removed from the 10X partner list.
Impact: Directly halves the yield on India's two most common online platforms.
Rent & Wallet Exclusion
No reward points or milestone credit for Rent payments or Wallet reloads.
Impact: Prevents users from 'gaming' the ₹1L/₹2L milestones via rent or Paytm reloads.
Utility Surcharge
1% fee on total utility payments exceeding ₹50,000 per billing cycle (2026 rule).
Impact: High utility bills will result in a net loss due to low base reward rates.
Essential Fine Print
Reward Exclusions
Excluded Categories: Cash advances, Balance Transfer, Encash, Flexipay, Fuel transactions, Wallet loading and Rent payments do not earn reward points.
Welcome Offer
Welcome Gift
Amazon.in Gift Card worth ₹500 on payment of the annual joining fee.
Milestone Benefits
Annual Milestone Voucher
Cleartrip/Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹1 Lakh.
Secondary Milestone Voucher
Cleartrip/Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹2 Lakh.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹499 |
| Annual / Renewal Fee | ₹499 |
| Fee Waiver Threshold | Spend ₹1,00,000 annually |
| Forex Markup | 3.5% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Age between 18-70 years
Income
Must have a steady, verifiable income.
Ready to apply for SimplyCLICK?
Annual fee: ₹499 · Waived on ₹1,00,000 spend
Annual fee
₹499
0.2% – 4.5% yield