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Credit Cards · India

SimplyCLICK SBI Card

Updated 3 Jul 2026Source-linked

The SimplyCLICK SBI Card is a entry credit card from SBI Card, with a joining fee of ₹499 + GST.

It earns up to 10 pts per ₹100 (≈2.2% value) on online partner merchants spends in the form of reward points (points).

Welcome benefit: Amazon.in gift card worth ₹500.

SBI Card logo
SimplyCLICK SBI Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForOnline shopping
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹100 on online partner merchants
  • 5 pts per ₹100 on online other (cap 10000 points / monthly)
  • Base 0.22% on other spends
Welcome Benefits
  • Amazon.in gift card worth ₹500
Data verified 3 Jul 2026 — see our methodology
SBI Card logoSBIVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
10 pts per ₹100 on online partner merchants
5 pts per ₹100 on online other (cap 10000 points / monthly)
Base 0.22% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Amazon.in gift card worth ₹500
Milestone Rewards
  • ₹1,00,000 / annual: Cleartrip / Yatra e-voucher worth ₹2,000
  • ₹2,00,000 / annual: Additional Cleartrip / Yatra e-voucher worth ₹2,000
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹165/mo

    You spend ₹15,000 · earns 1.1% = ₹165 uncapped

    • Capped at ₹2,200/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 0.2% = ₹18/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹18/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹22/mo
  • Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹2,798/yr

₹2,798 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by SBI Card.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • Amazon.in gift card worth ₹500
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 10 pts per ₹100 on online partner merchants
    Merchants: apollo-24x7, bookmyshow, cleartrip, dominos, igp, myntra, netmeds, swiggy + 3 more
    10X points on online spends with partner merchants (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq).
  • 5 pts per ₹100 on online other (cap 10000 points / monthly)
    5X on non-partner online spends, capped at 10,000 RP per calendar month; thereafter 1 RP per Rs.100.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • emi

Milestone benefits

  • ₹1,00,000 / annual: Cleartrip / Yatra e-voucher worth ₹2,000 (≈ ₹2,000 value)
  • ₹2,00,000 / annual: Additional Cleartrip / Yatra e-voucher worth ₹2,000 (≈ ₹2,000 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
—
Income (self-employed)
—
Tagsentryonline spendpoints