SBI Card SimplyCLICK

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.