SBI Simply Click Credit Card (2025 Updates and Review)
In the ever-evolving world of digital finance, credit cards have become more than just a payment tool—they are now a gateway to rewards, discounts, and exclusive benefits. Among the plethora of credit cards available in India, the SBI Simply Click Credit Card stands out as a top choice for online shoppers. Designed specifically for the tech-savvy and e-commerce enthusiasts, this card offers a host of features tailored to maximize rewards on digital spends.
As we step into 2025, the SBI Simply Click Credit Card has undergone several updates to stay relevant in the competitive credit card market. In this comprehensive blog post, we’ll explore everything you need to know about this card, including its latest features, benefits, fees, eligibility, and how it compares to other credit cards in India. Whether you’re a frequent online shopper or someone looking to optimize your spending, this guide will help you decide if the SBI Simply Click Credit Card is the right fit for you.
Summary
The SBI Simply Click Credit Card is a co-branded card by SBI Card, designed to reward online shoppers with high reward points, exclusive discounts, and cashback offers. With its low annual fee, attractive welcome benefits, and focus on e-commerce transactions, it has become a favorite among digital spenders. The 2025 updates have further enhanced its appeal, making it a must-have for anyone who frequently shops online. However, it’s essential to understand its limitations, such as limited rewards on offline spends and conditional lounge access.
Introduction
The Indian e-commerce market has been growing at an unprecedented rate, with projections indicating it will surpass $350 billion by 2025. This growth has been fueled by increasing internet penetration, smartphone adoption, and the convenience of online shopping. Recognizing this trend, SBI Card launched the Simply Click Credit Card, a card specifically designed to cater to the needs of online shoppers.
Over the years, the SBI Simply Click Credit Card has evolved to keep pace with changing consumer preferences. The 2025 updates have introduced new features and benefits, making it even more attractive for digital spenders. In this blog post, we’ll take a deep dive into the card’s features, benefits, fees, eligibility, and how it compares to other credit cards in India. By the end of this article, you’ll have a clear understanding of whether this card is the right choice for your spending habits.
Benefits of SBI Simply Click Credit Card
1. Enhanced Rewards on Online Spends
Earn 10X Reward Points on all online spends (up from 5X in previous years).
Reward points can be redeemed for gifts, vouchers, or cashback (10 reward points = ₹2).
2. Welcome Benefits
New cardholders receive an Amazon.in Gift Card worth ₹1,000 (up from ₹500) upon spending ₹1,000 within 30 days of card issuance.
3. Annual Fee Waiver
The annual fee of ₹499 + GST is waived if you spend ₹1.5 lakh or more in the previous year (updated from ₹1 lakh).
4. Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 (maximum waiver of ₹200 per statement cycle, up from ₹100).
5. Exclusive E-Commerce Offers
Enjoy exclusive discounts and cashback offers on popular platforms like Amazon, Flipkart, BookMyShow, and Cleartrip.
Special deals on tech gadgets, fashion, and lifestyle products.
6. Complimentary Lounge Access
Get 8 complimentary domestic airport lounge visits per year (up from 4), activated after spending ₹75,000 in the previous quarter.
7. Contactless Payments
The card comes with NFC (Near Field Communication) technology, enabling secure and quick contactless payments.
8. Insurance Cover
Air accident cover of up to ₹2 crore (up from ₹1 crore, terms and conditions apply).
Fees and Charges (2025 Updates)
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST |
| Add-on Card Fee | Nil |
| Cash Advance Fee | 2.5% of the transaction amount (minimum ₹300) |
| Late Payment Charges | Up to ₹1,300 |
| Overlimit Charges | 2.5% of the overlimit amount (minimum ₹500) |
Eligibility Criteria (2025 Updates)
Age: 21 to 65 years (updated from 60 years).
Income:
Salaried individuals: Minimum net monthly income of ₹25,000 (up from ₹20,000).
Self-employed individuals: Minimum annual income of ₹3 lakh (up from ₹2.4 lakh).
Credit Score: A good credit score (750+ is preferred).
Residence: Must be an Indian resident.
How to Apply
You can apply for the SBI Simply Click Credit Card through the following methods:
Online:
Visit the official SBI Card website or download the SBI Card mobile app.
Fill out the application form and upload the required documents (ID proof, address proof, income proof, etc.).
Offline:
Visit the nearest SBI branch or contact an SBI Card representative.
Advantages of SBI Simply Click Credit Card
High Rewards on Online Spends: Earn 10X reward points on all online transactions.
Attractive Welcome Benefits: Get an Amazon.in Gift Card worth ₹1,000 on joining.
Low Annual Fee: The annual fee is only ₹499 + GST, with a waiver option.
No Add-on Card Fee: Add family members at no extra cost.
Exclusive E-Commerce Offers: Enjoy discounts and cashback on popular platforms.
Complimentary Lounge Access: 8 free domestic lounge visits per year (conditions apply).
Contactless Payments: Secure and convenient NFC-enabled transactions.
Enhanced Insurance Cover: Air accident cover of up to ₹2 crore.
Disadvantages of SBI Simply Click Credit Card
Limited Rewards on Offline Spends: Only 1X reward points on offline transactions.
Conditional Lounge Access: Lounge access is activated only after spending ₹75,000 in the previous quarter.
Fuel Surcharge Waiver Cap: Maximum waiver of ₹200 per statement cycle.
Not Ideal for Offline Shoppers: The card is primarily designed for online spends.
Comparison with Other SBI Credit Cards
1. SBI Simply Click vs. SBI Prime
SBI Prime offers higher rewards across all categories but comes with a higher annual fee (₹2,999 + GST).
Simply Click is more focused on online spends and has a lower fee.
2. SBI Simply Click vs. SBI Pulse
SBI Pulse is designed for health and wellness spends, while Simply Click is tailored for online shopping.
Tips to Maximize Benefits
Use the Card for Online Transactions: Maximize rewards by using the card for all your online purchases.
Redeem Reward Points Regularly: Redeem your reward points for gifts, vouchers, or cashback.
Track E-Commerce Offers: Keep an eye on exclusive discounts and cashback offers on partner platforms.
Avoid Late Payments: Pay your bills on time to avoid late payment charges and maintain a good credit score.
Conclusion
