SimplyCLICK SBI Card
The SimplyCLICK SBI Card is built for online shopping enthusiasts.
Online Shopping Fit Score
95/100
Joining Fee
₹499
Annual Fee
₹499
Reward Rate (%)
1.25 – 10
1 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
SimplyCLICK SBI Card Benefits
SimplyCLICK SBI Card Rewards
How you earn back on every swipe
points
Reward type
1.25% – 10%
Earn rate
1
Points / ₹100
₹0.25
Per point
24 months
Point expiry
₹5,000
Monthly cap
SimplyCLICK SBI Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
SimplyCLICK SBI Card has a joining fee of ₹499 and an annual fee of ₹499, waived when you spend ₹1,00,000 or more in a year.
SimplyCLICK SBI Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- 10X rewards only on listed partner platforms
- No reward points on fuel, EMI, cash advances, utility payments, government transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SimplyCLICK SBI Card FAQs
What is the annual fee for SimplyCLICK SBI Card?
The annual fee for SimplyCLICK SBI Card is ₹499. The fee is waived on annual spend above ₹1,00,000.
What is the joining fee for SimplyCLICK SBI Card?
The one-time joining fee for SimplyCLICK SBI Card is ₹499.
What are the rewards and benefits of SimplyCLICK SBI Card?
SimplyCLICK SBI Card earns points rewards. Reward rate ranges from 1.25% to 10%. You earn 1 points per ₹100 spent.
What lounge access benefits does SimplyCLICK SBI Card provide?
SimplyCLICK SBI Card does not include complimentary airport lounge access.
What is the eligibility criteria for SimplyCLICK SBI Card?
To be eligible for SimplyCLICK SBI Card, you need a minimum monthly income of ₹20,000.
What welcome and milestone benefits does the SimplyCLICK SBI Card offer?
₹500 Amazon gift card as welcome benefit on fee payment. ₹2,000 Cleartrip/Yatra voucher on ₹1 lakh and ₹2 lakh annual online spends.
How do you earn rewards with the SimplyCLICK SBI Card?
10X Reward Points on online spends at Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Swiggy, Yatra & select partner brands. 5X Reward Points on all other eligible online spends. 1 Reward Point per ₹100 on offline spends.
What are the exclusions and limits on the SimplyCLICK SBI Card?
10X rewards only on listed partner platforms. No reward points on fuel, EMI, cash advances, utility payments, government transactions.
Is the SimplyCLICK SBI Card worth its annual fee?
The annual fee is ₹499, waived when you spend ₹1,00,000 or more in a year. At the 1.25% base reward rate, rewards alone cover the fee at about ₹40,000 of yearly spend. Spends in bonus categories earn up to 10% and get there sooner, within their caps.
SimplyCLICK SBI Card Eligibility
To apply for SimplyCLICK SBI Card you need to be aged 21 to 70 and have a monthly income of at least ₹20,000.
Employment type
Pros & Cons
- One of the best entry-level online shopping cards
- Strong rewards on popular online brands
- Good value for Amazon, Myntra, Swiggy, and travel bookings
- Low annual fee with achievable waiver milestone
- Milestone vouchers improve overall rewards value
- Simple and beginner-friendly rewards structure
- Good companion card for online shoppers
- No airport lounge access
- Reward redemption value is relatively low (1 RP = ₹0.25)
- Offline rewards are weak
- Partner brands and reward terms can change over time
- Reward exclusions apply on fuel, wallet loads, EMI, and rent
- Not ideal for travel or premium lifestyle benefits
- Forex markup is high for international spending
Who is this card for?
Online shopping enthusiasts who regularly purchase from Amazon or book travel on Cleartrip. The 10X reward rate on partner platforms is unmatched in this fee bracket.
Quick Links
Data last updated 10 Oct 2026
Popular Comparisons for SimplyCLICK SBI Card
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Calculate your exact earnings with SimplyCLICK SBI Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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