SBI CREDIT CARDS REVIEW: SIMPLY CLICK, CASH BACK, BPCL & MILES – WHICH ONE FITS YOU?

Why SBI Credit Cards Matter in India Today

Credit cards are no longer a luxury – they’re a smart financial tool for everyday Indians. Whether you’re shopping online, filling fuel at your nearest petrol pump, booking flights or enjoying a weekend meal, a well-chosen credit card can help you earn rewards, save on fuel, get cashback or unlock premium travel perks.

State Bank of India (SBI) is one of India’s most trusted financial brands, and its credit cards cater to everyone – from first-time users to frequent travellers. In this article, we review four of the most popular SBI credit cards – SimplyClick, Cashback, BPCL and Miles – so you can find the one that matches your lifestyle.

Quick Comparison Table – At a Glance

SBI Credit Card	Best For	Key Benefits	Annual Fee*	Fee Waiver*
SimplyClick Credit Card	Online shopping beginners	10X Reward Points with top partners, 5X on other online spends	₹499 + GST	Waived if spends ≥ ₹1 lakh/year
Cashback Credit Card	Cashback lovers	5% cashback on online spends, 1% on offline	₹999 + GST	Waived if spends ≥ ₹2 lakh/year
BPCL Credit Card	Fuel & everyday spends	13X Reward Points at BPCL, 3.25%+1% fuel surcharge waiver, 5X on groceries/movies/dining	₹499 + GST	Waived from 2nd year if spends ≥ threshold
Miles Credit Card	Frequent travellers & premium users	Travel credits on every spend, lounge access, low forex markup, Priority Pass	₹1,499 + GST	Waived if spends ≥ ₹6 lakh/year

*As per current SBI Card data. Fees/benefits may change; always check the official page before applying.

Detailed Review of Each Card

1️⃣ SBI SimplyClick Credit Card – Best for Online Shopping Beginners

If you spend most of your time shopping online – groceries, movies, travel tickets – the SBI SimplyClick Credit Card is an easy entry point.

Key Benefits:

• 10X Reward Points on online spends with partners like Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Eazydiner, Myntra, Netmeds & Yatra.
• 5X Reward Points on all other online spends.
• E-vouchers worth ₹2,000 each on reaching annual online spends of ₹1 lakh and ₹2 lakh, respectively.
• 1% Fuel Surcharge Waiver for each transaction between ₹500 & ₹3,000.
• Annual Fee Waiver on yearly spends above ₹1 lakh.

Ideal For:

Young professionals, students and anyone building a credit profile who spends mainly online.

Why It Works:

The low annual fee combined with high online rewards makes it one of the best SBI cards for entry-level users.

[Apply Now – Start Saving]

2️⃣ SBI Cashback Credit Card – Best for Cashback Lovers

If you love seeing instant savings on your statement, the SBI Cashback Credit Card is designed for you.

Key Benefits:

• 5% Cashback on Online Spends (capped at ₹5,000 per month combined for online & offline).
• 1% Cashback on Offline Spends.
• 1% Fuel Surcharge Waiver up to ₹100 per statement cycle (transactions between ₹500–₹3,000).
• Annual Fee Waiver on annual spends of ₹2 lakh.

Ideal For:

Working professionals and families who do a mix of online and offline shopping but prefer straightforward cashback over reward points.

Why It Works:

Flat cashback across categories keeps it simple and predictable, which is exactly what many cardholders prefer.

[Apply Now – Claim Cash back]

3️⃣ SBI BPCL Credit Card – Best for Fuel Savings & Everyday Spends

Fuel costs add up, and this card is designed to reduce that burden while still rewarding you on groceries and dining.

Key Benefits:

• 13X Reward Points on Fuel Purchases at BPCL Petrol Pumps.
• 3.25% + 1% Fuel Surcharge Waiver on every BPCL transaction up to ₹400.
• 5X Reward Points on every ₹100 spent at groceries, departmental stores, movies & dining.
• 1 Reward Point per ₹100 spent on non-fuel retail purchases.
• 10% Instant Discount with SBI Card during big e-commerce sales.

Ideal For:

Car or bike owners, frequent commuters, and anyone who spends regularly on fuel.

Why It Works:

Few cards offer such a high reward rate on fuel plus lifestyle benefits at such a low annual fee.

[Apply Now – Save on Fuel]

4️⃣ SBI Miles Credit Card – Best for Frequent Travellers & Premium Users

For those who fly often or stay at premium hotels, the SBI Miles Credit Card converts your everyday spends into travel rewards.

Key Benefits:

• 2 Travel Credits per ₹200 spent on travel, 1 Travel Credit per ₹200 on all other spends.
• Redeem Travel Credits for air miles, hotel points, travel bookings or catalogue products.
• Domestic Lounge Access for every ₹1 lakh spent.
• 5,000 Bonus Travel Credits on annual spends of ₹5 lakh.
• Annual Fee Waived by spending ₹6 lakh in a membership year.
• Low 3.0% Foreign Currency Mark-up on international transactions.
• Complimentary Priority Pass Program for the first two years.
• 1% Fuel Surcharge Waiver at all petrol pumps (max ₹250/month).

Ideal For:

Frequent flyers, luxury travellers, and high-spending professionals who want to maximise travel perks.

Why It Works:

Premium benefits plus the ability to convert everyday spending into real travel rewards make this card highly valuable for the right user.

[Apply Now – Fly Smarter]

How to Choose the Right SBI Credit Card for You

• Mostly Shop Online? Go with SimplyClick for big rewards.
• Love Cashback? Pick a Cashback Credit Card for instant savings.
• Spend a Lot on Fuel? Choose BPCL Credit Card to save at the pump.
• Frequent Traveller? Opt for the Miles Credit Card for travel credits and lounge access.

Tip:

If you’re new to credit cards, start with the lower-fee card (SimplyClick or BPCL) and upgrade later as your spending pattern grows.

Our Verdict – SBI Credit Cards Offer Something for Everyone

SBI’s range of credit cards caters to almost every Indian consumer. From budget-friendly cashback to premium travel perks, there’s a card for you. The key is to pick the one that matches your spending habits – that’s how you’ll maximise rewards and minimise fees.

Ready to experience more benefits and savings? Click the “Apply Now” link under your preferred card and get started today.