SBI Card
SimplyCLICK SBI Card
Online-shopping rewards card: 10X points at partner sites, 5X on other online spends, plus ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends.
- ₹499 joining, ₹499 a year
- American Express
Pros and cons
Good
- Annual fee waived at ₹1,00,000 of spend a year
Watch out for
- Earns nothing on fuel, wallet loads, rent and government payments
- The bank doesn't publish what a reward point is worth
- High forex markup (3.5%)
- Can't be used on UPI (not a RuPay card)
- Who it's for
- People whose spending matches its best category: everyday spends.
- Skip it if
- You want rewards to cover the fee: a free card pays as much.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Fuel
- 0%
Fees and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹500 to ₹3,000; max ₹100 per statement cycle
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- American Express
- UPI payments
- No
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Not published by the bank
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the SimplyCLICK SBI Card?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by SBI Card.
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What changed recently
- FeesWorse for you
Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.
Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000
Bank's notice or terms - RewardsWorse for you
Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.
After: Multiples of 4,000 points; max 60,000 points a month
Bank's notice or terms - RewardsBetter for you
Tata CLiQ added as a 10X reward points partner.
After: 10X points at Tata CLiQ
Bank's notice or terms - FeesWorse for you
New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.
After: 1% of the transaction
Bank's notice or terms - FeesWorse for you
New 1% fee on every wallet load above ₹1,000.
After: 1% of the transaction
Bank's notice or terms
Questions people ask
Is the SimplyCLICK SBI Card worth it in 2026?
Hard to say: the bank doesn't publish what its rewards are worth, so check its reward terms first. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the SimplyCLICK SBI Card lifetime free?
No. It costs ₹499 to join and ₹499 a year, plus GST. Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more.
Does the SimplyCLICK SBI Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the SimplyCLICK SBI Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the SimplyCLICK SBI Card?
Offline fuel (MCC 5172, 5541, 5983, 5542), cash advances, balance transfers, Encash and Flexipay are outside the points programme; wallet loads (6540, 6541) earn nothing; points stopped on rent (MCC 6513, from 1 Apr 2024), government transactions (9399, 9311, from 1 Jun 2024) and digital gaming (5816, 7993, 7994, from 1 Dec 2024). Points on EMI conversions are forfeited. Utility bills paid on SBI Card's website/app get no 5X; Cleartrip and Yatra bookings via affiliate channels get no 10X; 10X applies only to INR payments.
Is there a limit on rewards with the SimplyCLICK SBI Card?
5X points on online spends outside the exclusive partners are capped at 10,000 points per calendar month, then 1 point per ₹100. 10X points at exclusive partners have no cap. No rupee value per point is published for this card.
Who can get the SimplyCLICK SBI Card?
Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read SBI Card's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on SBI Card's official page. Fees and rewards change; check the issuer's terms before you apply.