Best SBI Online Shopping Credit Card 2026

What is the SBI Online Shopping Credit Card?

The sbi online shopping credit card is the SimplyCLICK SBI Card, designed for digital spending. It offers higher rewards on partner websites and better value on everyday online purchases than general-purpose cards. The structure is simple. You earn more points when you shop through SBI’s partner brands, and you also get bonus points on most other online transactions.

The idea is to support people who use e-commerce sites and mobile apps for their day-to-day needs. Instead of reward points that take time to accumulate, this card builds value quickly when you spend online, making it a practical choice for anyone who shops more online than in physical stores.

Key Highlights of SBI Online Shopping Credit Card

The SBI online shopping credit card rewards online shopping behaviour. Most users choose it when they want greater value from e-commerce sites and app-based purchases.

Key Features of SBI Online Shopping Credit Card

The SimplyCLICK SBI Card builds most of its value on online transactions. The reward pattern is simple and effective for people who shop regularly via apps and e-commerce sites.

• 10X Reward Points on partner platforms: Selected partner websites give the highest reward rate. This usually includes fashion, medicine, entertainment and travel brands.
• 5X Reward Points on most online purchases: Regular online orders earn extra points, which help you build rewards faster through the month.
• Standard rewards on offline spends: Transactions made in physical stores earn basic points that stay consistent across categories.
• Annual milestone benefit: A travel or shopping voucher is awarded when you meet the yearly online spending requirement.
• Support for everyday digital use: The card works smoothly for app-based payments, ticket bookings, subscriptions and small daily purchases.

Reward Points on Online Purchases

The SimplyCLICK SBI Card offers a higher value when used for online orders. Partner websites provide the most substantial rewards, and regular digital purchases also earn extra points.

• Partner platforms: Selected websites give 10X Reward Points. These usually include shopping, entertainment, medicine and travel platforms that many people already use.
• General online spends: Most other online transactions earn 5X Reward Points. This covers a wide range of payments, from app orders to routine digital purchases.
• Offline transactions: Purchases made in stores earn standard 1X Reward Points, which keep the card usable even outside online shopping.

Fees & Charges for SBI Online Shopping Credit Card

The SBI online shopping credit card follows a simple fee structure. Here is a clear table with the main charges you should know before applying.

Things to Know Before You Apply for the SBI Online Shopping Credit Card

It helps to look at your spending patterns before choosing this card. The SimplyCLICK SBI Card is best suited for customers who do most of their monthly shopping online. The higher reward rates apply mainly to partner brands and regular digital purchases, so the value depends on how often you use those platforms.

The annual fee is small, and many users recover it through online rewards or the milestone voucher. Cashback doesn’t apply here, so your savings come through Reward Points. These points can be used for vouchers or other options on the SBI Card portal. EMI conversions, wallet loads and some categories do not earn extra points, which is something to keep in mind. Regular on-time payments help you maximise value without incurring interest charges.

Eligibility Criteria

The SBI online shopping credit card has a few basic requirements that most applicants need to meet.

• Residency: You must be an Indian resident.
• Age: Applicants should fall within SBI Card’s approved age range for credit card users, starting from adulthood.
• Income: A steady income is required. Both salaried and self-employed profiles are accepted, and the exact amount depends on internal checks.
• Credit History: A clean bureau record with regular repayment behaviour improves approval chances.

Documents Required

SBI Card asks for standard documents during verification.

• PAN card
• Identity proof
• Address proof
• Recent salary slips, bank statements or ITR, depending on your income type
• Any additional documents requested by SBI Card during processing

How to Apply Through Urban Money

You can apply for the SBI online shopping credit card through a simple process on Urban Money.

• Open the Urban Money website.
• Select the Credit Cards section.
• Choose SBI Card from the list of available banks.
• Scroll to the Category section and select Online Shopping Credit Card.
• Look for your desired card under the online shopping category.
• Click on the Apply Now button.
• Provide your basic details, including name, mobile number, email, PAN, and city.
• Submit the form so Urban Money and SBI Card can begin the verification process.

Conclusion

The SBI online shopping credit card is designed for people who spend most of their money on e-commerce platforms, apps and digital services. It offers higher reward points on partner websites and additional points on regular online purchases, helping users build value through everyday spending. The annual fee remains manageable, and the waiver is easier to qualify for if you use the card consistently for online orders. If you prefer earning points on digital payments rather than using a general-purpose card, this option is suitable for anyone looking for the best sbi credit card for online shopping.