How to Apply for the SBI SimplyCLICK Credit Card in 2026

title: "How to Apply for the SBI SimplyCLICK Credit Card in 2026" slug: how-to-apply-for-sbi-simplyclick-credit-card excerpt: "Apply for the SBI SimplyCLICK Credit Card with 5X reward points on online spends. Eligibility, benefits, and full application walkthrough." category: how-to-apply tags:

• sbi
• simplyclick
• online-shopping
• rewards
• lifetime-free relatedCards:
• sbi-simplyclick heroImage: /images/guides/sbi-simplyclick.svg publishedAt: "2026-06-18T16:57:29.133Z"

The SBI SimplyCLICK Credit Card is a lifetime-free online shopping card. It offers 5X reward points on partner merchants (Amazon, Flipkart, Myntra, BookMyShow, etc.), 1X on all other online spends, and 1% fuel surcharge waiver. The card is one of SBI's most popular entry-level cards and is targeted at first-time online shoppers.

Why this matters

SimplyCLICK is the only lifetime-free SBI card that pays 5X on online partner merchants. If you spend ₹20,000/month on partner merchants, the 5X gives you 1,000 points/month, which is redeemable for ₹500 in cashback. The card is a stepping stone to SBI Prime and SBI Elite.

Related cards

How to Apply for the SBI SimplyCLICK Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check SimplyCLICK eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000 for salaried. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via SBI Card website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit sbicard.com → Personal → Credit Cards → SimplyCLICK. Click Apply Now. The form is pre-filled if you are an existing SBI customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips and the last 6 months&#39; bank statement. Self-employed applicants must upload 2 years&#39; ITR with computation and Form 26AS.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in SBI Card app or on the SBI Card website. Approval takes 7–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, SBI Card app, or at any SBI ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use on partner merchants for 5X</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card on Amazon, Flipkart, Myntra, BookMyShow, and other partner merchants to earn 5X reward points. The 5X is capped at 5,000 points per month.</p>
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Common mistakes to avoid

The 5X is restricted to partner merchants listed in the SBI Card app. The list changes quarterly — always check the latest list before a big purchase. The card does not earn any reward on EMI or cash advances.

Pro tips

• Check the SBI Card app's partner merchant list before any online purchase
• Use the card for BookMyShow to earn 5X on movie tickets
• Track the 5,000 points/month cap in the SBI Card app
• Pair with the SBI Prime card for offline retail and dining

Frequently asked questions

Is SBI SimplyCLICK lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 5X cap?

5X on partner merchants is capped at 5,000 points per month. 1X on all other online spends is uncapped.

Does the 5X apply to Swiggy?

Swiggy is on the partner list as of 2026. Check the latest list in the SBI Card app before ordering.