SBI SimplyCLICK Credit Card Review – Good for Online Spends

This is a review by our reader SriKrsna who uses SBI SimplyCLICK Credit Card. He had also recently got approved for Amex Membership Rewards Card and you can see his card in that article.

As told, first impression is the best impression. Even-though the piece of plastic (card) that you hold in your hand may be a higher end/ high value card, the way it is been made to look always matters. I would appreciate SBI Card in this because both the cards, the one I had and one I have are always looking good when compared to others. And they are printed/fabricated so good. If will make you feel good in your hand.

I was first issued a SBI SimplySAVE card which had 10x rewards on dining/grocery spends. My spends in those categories were never high to earn more reward points. I thought of applying for an another card and I came to know from the customer care executive that a person can hold only one SBI card.

And if wanted to have more than one, he/she can apply for a co-branded SBI card like Air India Signature Card or Air India Platinum Card and such. As I didn’t want an extra one, I was surfing through the SBI card catalogue. I came through SimplyCLICK card which was introduced the next week after my SimplySAVE card approval.

• Annual Fee: Rs.499+ ST
• Welcome Gift: Rs.500 Amazon Voucher
• Renewal fees: Rs.499+ ST (waived off on 1 Lakh INR Spend)

The card comes in two variants Visa Platinum and Mastercard Titanium (I am not sure about Mastercard variant and the information is as available on the internet). Both are international cards and come with cross currency mark up of 3.5%.

BookMyShow Offer: Rs.100 instant cashback on first movie ticket booked on BookMyShow Mobile App for first time BookMyShow users.

Cleartrip Offer:
Rs.700 instant cashback on domestic roundtrip flights worth Rs.5,000 or more booked using Cleartrip Mobile App
Rs.500 instant cashback on domestic roundtrip flights worth Rs..5,000 or more booked using Cleartrip website

Zoomcar Offer:
Rs.600 off on booking Self-Drive Zoomcar worth Rs.2,500 or more with SimplyCLICK SBI Card
(# – Terms and conditions apply and it is found on SBI card website)

SBI SimplyCLICK Credit Card Reward Points:

I looked in it and came to know that the card had tie-ups with many brands for 10x rewards on Rs.100 spends (Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar)
5x rewards on all other online spends for 100INR.
1 reward point on all spends for 100INR.

This card has two milestone spends rewards for every 1 Lakh INR you spend on this card cumulatively upto 2 Lakhs INR.
You will get 2000INR gift voucher from one of their partners that is decided by SBI Card.

I wanted to apply for this card and you have two or more methods to swap your card with new one. After several attempts, my SimplyCLICK card was approved.

It initially had offers like load 150INR into Ola money wallet and get 150INR extra in Ola money wallet and several others from its partners.

I would say that this card is too good for those who always spend online and especially use Amazon.

SimplyCLICK Reward points Redemption:

Consider when you spend 20,000INR cumulatively on amazon you will get 2000 Rewards points, for which you can get Rs.500 Amazon gift voucher from SBI cards.There are many other gift vouchers available on SBI card rewards catalogue but this one has high value of 25 Paise per reward point and can be easily used.
500/20000 = 2.5% returns

You have Rs.1000 Amazon gift voucher for 5700 points. In this case, the value of reward point becomes ~17.5 Paise.

Reward point redemption via gift vouchers with SBI card is not instant and will take around 2-3 working days to get it.

When comparing with other cards like HDFC Moneyback card,
You will get Rs.1.20 on Rs.150 spend online which is 0.8% returns whereas when you spend with SBI SimplyCLICK you will get:

• 1.25% returns on regular online spends and
• 2.5% returns when spending on partner’s site.

As Amazon getting better everyday with new sellers and more products, you can make use of this card to have better returns.

Pro Tip: If you are spending in odd figures on Amazon, I would like to recommend you to buy Amazon gift vouchers for rounded figures, so that you won’t loose reward points while spending. You will get reward points for loading money into gift card too.

CardExpert Rating: 4/5

Getting this card approved is easy for those who stay in metro locations and already have a credit card.