SBI Card
SimplyCLICK SBI Card
Your rating
Community rating
Joining Fee
₹499
Annual Fee
₹499
Reward Rate
1.25% – 10%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1.25% – 10%
Earn rate
₹0.25
Per point
₹5,000
Monthly cap
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.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
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 24 Mar 2026