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%.

What lounge access benefits does SimplyCLICK SBI Card provide?

SimplyCLICK SBI Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

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.

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SBI Card

SimplyCLICK SBI Card

Name: SimplyCLICK SBI Card
Brand: SBI Card
Price: 499 INR
Availability: InStock

The SimplyCLICK SBI Card is built for online shopping enthusiasts.

Regular

CardCheck ScoreVery Good

Top Category Performance

Online Shopping (95/100)

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

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1.25 – 10

Forex Markup

3.5%

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(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

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

points

Reward type

1.25% – 10%

Earn rate

₹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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

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

Your Estimated Monthly Spend:₹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.

Gross Rewards+₹10,000

Effective Fee₹499

Net Profit/Yr+₹9,501

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 score750+

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.