SBI simply click is best credit card for online shopping & offline also. Infact if we exclude the recently launched SBI Prime Card then this is best out of whole SBI card lot.

Well here are few reasons that makes it better than most others SBI cards.

First it’s gives higher reward rate of atleast 1.25% on all online spending(and offline also) and 2.5% on selected partners.

Now you can use it for offline spend anywhere & get 5X rewards. Instead of directly swiping the card in machine load the wallet and pay merchant via wallet instead. Infact after demonetization wallets are more readily acceptable than card swipe machines. This makes it best entry level card as one get 1.25% rewards back on online usage & wallet usage for offline spending.

Secondly being online credit card its better than other category based cards where it’s not easy to recognize swipe machine category beforehand.

Take example of sbi Simply save card you get 10X rewards under dining category however many restaurants which are chain of some Hotel’s have their pos under hotel category and we are deprived reward points. In online card anything paid online whether via app or website  gets you extra rewards, its that simple.

Milestone based rewards. Spend 1 lac (online only) & you get both card fee waived off + 2ooo₹ voucher. One more 2k voucher on 2lac(online only) milestone. These are very achievable milestones with generous reward for an entry level card.

Effective reward value back based on reaching milestone is 2.25%(if you spend everything offline) to 3.75% (if you spend everything online) to 4.5%(if you spend all on selected merchant online only).

Making it best rewarding card for 1-2lac spend in a year.

SBI Simply Click Credit Card Review:

  • Annual Fees: Rs.499+tax (waived of spending Rs.1,00,000 in a year)
  • Welcome Benefit: Rs.500 Amazon India Voucher(one time only)
  • 2.5% rewards value back on online spends with – Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / OLA / Zoomcar.
  • 1.25% rewards value back on any other online spending.
  • 0.25% rewards value back on offline spending.
  • e-voucher worth Rs.2,000 each on annual online spends of 1 Lakh & ₹2 lac.
  • Fuel Surcharge waiver & contactless visa platinum card.

Tip: If spending with this card offline then if possible pay via wallet like paytm, Airtel Money rather than directly via card to get 5x rewards.

Our take: Get it if you spend mostly online or offline via wallets. Best suited for 1lac to 2 lac users. 

Cards with similar features: Yes Bank Prosperity Edge Card , Axis Bank Buzz Card, Hdfc Moneyback Card.