SBI SimplyCLICK Review (2026)
SBI's best card for online shoppers. 10x on Amazon and partners, 5x on all online spends, at just 499/year.
Last updated: 2026-04-03· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 1L in a year |
| Income Required | ₹3L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: SBI Reward Points
Milestone Benefits
2,000 bonus reward points on spending 1L
Additional 2,000 bonus reward points on spending 2L
Our Review
The SimplyCLICK is a sleeper hit for online shoppers. The 10x on Amazon (with SBI points worth ~0.25 each) gives you an effective 2.5% back on Amazon — not as good as the Amazon Pay ICICI's 5% but stacks differently since it's SBI points, not Amazon balance. The real gem is the 5x on ALL online spends — any transaction coded as e-commerce gets 5x, which at ~0.25/point is 1.25% back on every online purchase. Use this as your online spending card alongside the Amazon Pay ICICI for direct Amazon purchases.
Pros & Cons
Pros
- + 10x on exclusive partners including Amazon — one of the highest Amazon earn rates
- + 5x on ALL online spends — excellent for online-first spenders
- + Low 499 fee with easy 1L waiver
- + Good milestone structure at achievable thresholds
Cons
- - 1x on offline spends is very poor
- - No lounge access
- - SBI reward point value is lower than HDFC points
- - Partner list changes without notice
Best For
Frequently Asked Questions
Is the SBI SimplyCLICK worth it in 2026?
It depends on your spending. The SBI SimplyCLICK costs ₹499/year (waiver: Spend 1L in a year). With an effective base return of 0.3%, you'd need to spend approximately ₹2.0L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the SBI SimplyCLICK annual fee?
The SBI SimplyCLICK has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 1L in a year.
What is the minimum salary required for SBI SimplyCLICK?
The minimum annual income required for the SBI SimplyCLICK is ₹3L. However, if you have an existing banking relationship with SBI Card, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on SBI Card's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.