SBI Card
SBI Card SimplyCLICK is a cashback-focused credit card designed specifically for India's massive base of online shoppers, with a particular focus on Amazon. With a joining fee of only ₹499 and annual fee of ₹499, the card is one of the most affordable credit cards available in India — and its 5% cashback on Amazon and other major online platforms more than justifies the annual spend requirement. The 5% cashback applies on spends at Amazon.in, Myntra.com, BookMyShow, and Cleartrip, capped at ₹1,000 per calendar month. For regular Amazon shoppers who spend ₹20,000 per month on the platform, this translates to ₹1,000 per month or ₹12,000 per year in cashback — extraordinary returns from a card costing just ₹499 per year. The welcome Amazon Gift Card of ₹500 — provided upon payment of the joining fee — effectively reduces the effective first-year cost to zero, making it one of the best value credit cards available to Indian consumers. This welcome benefit alone exceeds the annual fee. Milestone rewards add further value: spending ₹50,000 in a quarter earns 1,000 bonus reward points (worth ₹250), encouraging consistent usage. The 1% fuel surcharge waiver at all fuel stations and 1% cashback on dining provide additional everyday savings. The card requires a minimum annual income of ₹2 lakhs and is available to individuals aged 21-55 years. The ₹1 lakh annual spending threshold for annual fee reversal is highly achievable at approximately ₹8,333 per month — well within reach for most working individuals. Source: SBI Card official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The SBI Card SimplyCLICK from SBI Card is a an annual fee of ₹499 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the SBI Card SimplyCLICK
Pick the SBI Card SimplyCLICK if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the SBI Card SimplyCLICK after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the SBI Card SimplyCLICK (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the SBI Card SimplyCLICK on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The SBI Card SimplyCLICK is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | SBI Card SimplyCLICKSBI Card | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | SBI Card | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹499 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹499 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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