SBI Card SimplyCLICK review
A cheap starter card for people who order often from Swiggy, Myntra or the other 10X partners and can collect the yearly travel vouchers. For general online shopping a flat 5% cashback card now does better, and it is a poor choice for in-store spending.
Fees
₹499 a year + GST. Renewal fee reversed if you spent ₹1 lakh or more in the previous card year. Forex markup 3.5%.
Rewards
4 reward points = ₹1, used for partner gift vouchers or statement credit
- Online shopping: 1.25% – 5X (5 points per ₹100) on online spends outside the partner list, capped at 10,000 points a calendar month; 1 point per ₹100 after that
- Amazon: 1.25% – Amazon is no longer a 10X partner and earns the 5X online rate within the shared cap
- Flipkart: 1.25% – Earns the 5X online rate within the shared cap
- Swiggy & Zomato: 2.5% – Swiggy is a 10X partner again since 1 Aug 2025 (2.5%); Zomato earns the 5X online rate (1.25%). Partner 10X points are capped at 10,000 a month
- Groceries: 1.25% – Online grocery orders earn 5X; supermarket purchases in store earn 0.25%
- Fuel: 0%
- Flights & hotels: 1.25% – Cleartrip and Yatra bookings made directly earn 10X (2.5%); other online travel sites earn 5X
- Bills: 1.25% – Bills paid online on other apps earn 5X; bills paid on the SBI Card website or app earn only the base rate
- Rent: 0%
- Everything else: 0.25%
On a typical spending pattern this card gives back about ₹4,440 a year.
What’s good
- 10X points (2.5%) at partner brands: Apollo 24|7, BookMyShow, Cleartrip, Domino's, GyFTR, IGP, Myntra, Netmeds, Swiggy, Tata CLiQ and Yatra
- 5X points (1.25%) on all other online shopping
- Up to ₹4,000 of travel vouchers a year for ₹2 lakh of online spending
- Low ₹499 fee, reversed at ₹1 lakh of yearly spend
What’s not
- In-store spending earns only 0.25%
- Amazon is no longer a 10X partner
- 10X and 5X points are each capped at 10,000 points a month
- No lounge access and a 3.5% forex markup
Lounge access
Domestic: None. International: None.