Key Details
₹3.0L
Min Income (Annual)
Rewards
10X rewards on Amazon, Cleartrip, Apollo24x7; 1 RP per ₹100 otherwise
Best For
Amazon and online shopping
Lounge Access
None
Fuel Surcharge Waiver
1% waiver on ₹500-3000 transactions, capped at ₹100/month
Crediya's Verdict
SBI SimplyCLICK is the go-to card for Amazon shoppers on a budget. The 10X rewards on Amazon make it unbeatable for online shopping, and the ₹2L annual spend waiver means most active users will never pay the fee. However, the base reward rate is poor — use this card exclusively for partner merchants.
Pros
✓ 10X rewards on Amazon & Cleartrip
✓ ₹500 Amazon voucher on joining
✓ Annual fee waiver on ₹1L spend
✓ Wide online partner network
✓ E-voucher worth ₹2000 on ₹2L annual spend
Cons
✗ Low base reward rate (0.25%)
✗ No lounge access
✗ Fuel surcharge waiver capped at ₹100/month
Hidden Fees & Charges
⚠ Late payment fee: ₹400-1200 depending on outstanding
⚠ Over-limit fee: 2.5% of over-limit amount
⚠ Cash advance fee: 2.5% (min ₹500)
⚠ Foreign currency markup: 3.5%