SimplyCLICK SBI Card
Issuer Regulated by RBI
SBI Card logo
SBI Card

SimplyCLICK SBI Card

The SimplyCLICK SBI Card is built for online shopping enthusiasts.

Visa
Regular
75
Overall CardCheck ScoreVery Good

Online Shopping Fit Score

95/100

Best for: Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1.25 – 10

1 pts/₹100 · ₹0.25/pt

Forex Markup

3.5%

Community
(0)
Your Rating

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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 category
Online Shopping
95/100
Zero Fee & Starter
85/100
Cashback Spends
75/100
Dining & Food
70/100

Scoring 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

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
₹500 Amazon gift card as welcome benefit on fee payment
₹2,000 Cleartrip/Yatra voucher on ₹1 lakh and ₹2 lakh annual online spends
Annual fee waiver on ₹1 lakh annual spends
1% fuel surcharge waiver on ₹500–₹3,000 fuel transactions

SimplyCLICK SBI Card Rewards

How you earn back on every swipe

Point Formula: 1 pts / ₹100 spent · 1 pt = ₹0.25
0.25% Base Return

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).

Joining fee₹499
Annual fee₹499
Fee waiver on annual spend₹1,00,000
Interest-free period50 days
Interest rate (APR)42%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹3000)

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

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,00,000/yr
₹8,333/mo
Presets:
100% to Annual Fee Waiver₹99,996 / ₹1,00,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Est. Base Rewards+₹1,250@1.25% base rate
Effective Fee₹499billed yearly
Net Annual Value+₹751rewards vs fee
*Estimated using standard base rate (1.25%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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SimplyCLICK SBI Card Eligibility

Age21+ yrs – 70
Min. income₹20,000/month
CIBIL score
750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • 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
Cons
  • 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 25 Aug 2026

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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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