Introduction
For many middle-class families, every rupee spent online counts. If you’re someone who enjoys shopping, booking travel or paying bills digitally, the SimplyCLICK SBI Card can stand out as a practical choice. In this blog for CashBabu, we’ll explore the unique features, charges and benefits of the SimplyCLICK SBI Card in November 2025 — in simple language, with emotional and relatable tone.
What is the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card is a shopping-focused credit card from SBI Cards & Payment Services Limited (SBI Card) designed for people who spend online and want reward points, ease and value.
For many middle-class households, this means: the card supports your online purchases, gives perks when you use it with partner brands, and offers a chance to reduce the effective cost of the card via spending.
Unique Features of the SimplyCLICK SBI Card
Here are the standout features that make this card unique for the online shopper:
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10× Reward Points on partner online spends
Use the card at selected online merchants like Myntra, Domino’s, Netmeds, Yatra, etc., and earn 10 reward points for every ₹100 spent.
For a family that often orders online, that adds up and feels rewarding. -
5× Reward Points on other online spends
All other online purchases (beyond the partner list) earn 5 points per ₹100.
So even if your favourite brand isn’t in the partner list, you still benefit. -
1× Reward Point on offline or other spends
For every ₹100 of non-online spend, you earn 1 reward point.
This means offline spends don’t give as much value—but the card is aimed at online usage. -
Welcome Gift
On paying the joining/annual fee (₹ 499 + taxes), you get an Amazon.in gift voucher worth ₹ 500.
That gives a nice emotional start—your first reward almost covers the fee. -
Milestone Benefits
If you spend ₹ 1 lakh online in a year, you get e-vouchers worth ~₹ 2,000. If you reach ₹ 2 lakh online, you get another ₹ 2,000 voucher.
This rewards online spenders who consistently use the card. -
Annual Fee Reversal
If you spend ₹ 1 lakh in the previous year, the renewal fee (₹ 499) is reversed for the next year.
For a middle-class budget-aware individual, hitting ₹ 1 lakh with online spend is realistic and this benefit effectively makes your card free. -
Fuel Surcharge Waiver
The card gives a 1 % surcharge waiver on fuel transactions between ₹ 500 and ₹ 3,000 (up to max ~₹ 100 per statement cycle) when you use the card for fuel.
Even though the card is online-shopping focused, this offline benefit helps with everyday expenses like fuel. -
Contactless Payment Technology
Tap-and-pay for small-ticket purchases (up to ₹ 5,000) for convenience and faster transactions.
As more payments become digital, this feature adds ease. -
Worldwide Acceptance, Add-On Cards, Utility Bill Payment Facility
The card can be used in millions of outlets, you can get add-on cards for family (above 18 yrs) and you can pay utility bills via the card.
For a family that shares card-benefits and pays bills online, these features matter.
Charges and Fees for the SimplyCLICK SBI Card
Understanding charges is especially important for budget-conscious readers. Here’s what the SimplyCLICK SBI Card charges look like (as of Nov 2025, subject to change). The focus keyword appears here as well to maintain SEO relevance.
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Annual / Joining Fee: ₹ 499 + GST (approx) for first year.
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Renewal Fee (from second year onwards): ₹ 499 + GST, but can be reversed if you meet spending criteria (₹ 1 lakh in previous year) via the Annual Fee Reversal benefit.
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Add-On Card Fee: Nil (free add-on card) according to official info of SBI Card
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Finance Charges / Interest Rate: Up to ~3.75 % per month (≈ 45 % per annum) for unpaid balances.
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Cash Withdrawal / ATM Charges: If you withdraw cash from ATM (domestic/international) there is a transaction fee (e.g., 2.5 % or ₹500 whichever higher) plus interest from day of withdrawal.
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Other charges: All taxes applicable; spend order of payments etc.y online), you can get the fee reversed and get value out of rewards. But avoid carrying balances because the interest is steep.
Benefits for a Middle-Class Online Shopper
Let’s tie the features into benefits that matter to you:
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If you do most of your shopping online – clothes, electronics, movie tickets, food delivery – the SimplyCLICK SBI Card rewards structure helps you earn extra points when you use the card.
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The welcome gift gives you an immediate sense of value (₹ 500 voucher) — that emotional boost matters.
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The milestone reward and annual fee reversal work as a motivator: if you spend ₹ 1 lakh online in a year (which for many online-savvy households is reachable), you effectively get a free card + extra vouchers.
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The fuel surcharge waiver, though modest, helps with a recurring expense (fuel) – which middle-class families with vehicles or two-wheelers understand well.
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The contactless payment adds convenience and feels modern — especially if you’re in cities or semi-urban areas where speed and ease matter.
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Add-on cards: You can give your spouse or adult child an add-on card and the family benefit grows, helping your household earn more rewards.
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Utility bills payment via card: If you pay your mobile, electricity or other bills online via this card, you earn points – every bit counts when you’re budgeting.
Things to Watch / Limitations
For fairness and clarity, here are what you should be aware of:
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The reward rate for offline spends is quite low (1 point per ₹100 = roughly 0.25% value) compared to online partner spends (≈2.5% value). So if most of your spends are offline, the value reduces.
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There may be cap on the accelerated reward points (some sources mention around 10,000 points per calendar month for 10×/5× categories) — so extremely high online spends may not get infinite benefit.
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Carrying a balance leads to high interest charges (≈45% per annum) and charges on cash withdrawal are heavy — so you must pay your dues in full every month.
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As of 2025, certain card benefit changes may apply (for example on digital gaming spends) as per news updates for SBI Card.
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If you don’t spend ₹ 1 lakh in a year online, you will pay the renewal fee in second year. So it works best when you use the card actively.
Is SimplyCLICK SBI Card Right for You? A Quick Q&A
Q1. I shop online quite a bit — clothes, electronics, food, travel. Will this card give me value?
Yes — if your online spend (especially with partner brands) is significant, you’ll get accelerated rewards and milestone benefits. Also you have a realistic chance to get annual fee reversed by hitting ₹ 1 lakh online spend.
Q2. I don’t do much online shopping, mostly offline in-store purchases. Is this still good?
Probably less value. Because offline spends earn only 1 point per ₹100 (≈0.25% value) which is quite low compared to many cashback cards. In your case you might explore cards with higher offline reward rates or flat cashback.
Q3. I’m budget-aware and worried about hidden costs. What must I avoid?
Make sure you pay your entire statement due each month so you avoid high interest. Also avoid using it for large cash withdrawals or transactions with high fees. Use the card mainly for online purchases where you can maximise rewards.
Q4. What’s the effective cost of the card if I use it wisely?
If you pay the ₹ 499 fee but also receive a ₹ 500 welcome voucher, you roughly offset the fee in year one. If you then spend ₹ 1 lakh online and get fee waiver next year + milestone voucher (~₹ 2,000), your effective value becomes much higher than cost. For many middle-class families who already do online shopping, this is a strong value proposition.
Q5. Any special tip to maximise benefit?
Yes – target your spending on the identified partner brands where you get 10× points. Use the card for utility bills, online shopping, food delivery. Track your annual online spend to hit the ₹ 1 lakh milestone. And make sure you don’t carry forward balance.
Summary: A Middle-Class Friendly Verdict
For the middle-class online shopper who is comfortable with digital payments, the SimplyCLICK SBI Card is a well-suited option. With modest fees, meaningful rewards on online spending, family add-on ability, and the chance to convert the card into a “free card” via fee waiver, you get both value and convenience. The emotional benefit: you feel rewarded every time you spend online — that sense of “I am getting something back” resonates.
Just remember: the key is to use it for online spending, avoid heavy offline spends without benefit, pay your dues fully, and aim for the annual spend milestone. If you follow these, the SimplyCLICK SBI Card can become a trusted companion in your digital-shopping journey.
FAQs
Q1: What is the joining/annual fee of the SimplyCLICK SBI Card?
The joining fee is around ₹ 499 plus applicable taxes, and renewal fee from the second year is also about ₹ 499 + taxes.
Q2: How can I get the annual fee waived for the SimplyCLICK SBI Card?
If you spend ₹ 1 lakh in the previous year on online transactions, the renewal fee for the next year is reversed.
Q3: What rewards structure does the SimplyCLICK SBI Card have?
You earn 10× reward points on selected partner online merchants, 5× reward points on all other online spends, and 1× reward point per ₹100 for other (non-online) spends.
Q4: Are there any caps or terms on rewards for the SimplyCLICK SBI Card?
Yes, accelerated reward points may be capped (for example 10 000 reward points per calendar month for some categories). Also the reward redemption options are limited (e-vouchers) for this card.
Q5: What happens if I carry a balance on the SimplyCLICK SBI Card?
Carrying a balance can incur finance charges up to ~3.75 % per month (≈45% p.a.). Also cash withdrawals/ATM transactions attract additional fees and interest from date of transaction.
Q6: Is the SimplyCLICK SBI Card good for offline spends and everyday shopping?
Not as much. While you can use the card offline, the reward rate for offline spends is low (~0.25%), so if your spend is mostly offline you might consider a different card with better offline rewards.
Q7: Does the SimplyCLICK SBI Card offer lounge access or premium travel benefits?
No — this card is geared towards online shopping and rewards rather than premium travel benefits like airport lounges. So if you seek those, you might explore other cards.
Closing thought:
For middle-class households embracing the digital lifestyle, the SimplyCLICK SBI Card presents a smart way to blend everyday online spending with meaningful rewards. Use it thoughtfully, and you can turn your routine purchases into savings and value.
If you like, I can compare this card with 2-3 similar alternatives (so you can pick the best one) — would you like that?
