SimplyCLICK SBI Card benefits
- Rewards10X
reward points at partner brands like Myntra, BookMyShow and Cleartrip
- Rewards5X
reward points on other online spends
- Benefit
Amazon Pay gift card worth ₹500 as a welcome gift
- Gift
E-vouchers worth ₹2,000 each at ₹1 lakh and ₹2 lakh of yearly online spend
- Fuel
Fuel surcharge waiver up to ₹100 a month
Good to know
- Annual fee ₹499, waived on yearly spends of ₹1 lakh
SimplyCLICK SBI Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Myntra, BookMyShow, CleartripOnline spends at SBI Card's partner brands: Apollo 24|7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds and Yatra. 10X points are limited to 10,000 a month. | 10 points per ₹100 | 10,000 |
| CleartripOnline bookings on Cleartrip and Yatra, as partner brands. Bookings through affiliate channels do not count. Shares the 10,000 point limit with other partner spends. | 10 points per ₹100 | 10,000 |
| Online shoppingAll other online spends. 5X points are limited to 10,000 a month, then you earn 1 point per ₹100. | 5 points per ₹100 | 10,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, wallet loads, rent, government payments, digital gaming, cash advances, balance transfers, Encash and Flexipay. Utility bills paid on the SBI Card website or app earn no 5X points.
All reward rules
- SBI Card's terms value 1 reward point at ₹0.25, so 4 points equal ₹1. 10X points give 2.5% back and 5X points give 1.25%.
- Swiggy earns 5X points, not 10X, from 1 April 2025.
- 10X points on gift vouchers apply only to purchases on SBI Card's GyFTR portal.
- Welcome gift: an Amazon Pay gift card worth ₹500 after you pay the joining fee.
- Milestones: an e-voucher worth ₹2,000 each on yearly online spends of ₹1 lakh and ₹2 lakh.
- Points are valid for 24 months. A ₹99 fee plus tax applies to statement credit and physical product redemptions.
What the SimplyCLICK SBI Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using BookMyShow and Cleartrip and Myntra where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.25% | ₹90 |
| Dining and food delivery | ₹2,000 | 0.25% | ₹60 |
| Online shopping | ₹18,000 | 2.5% | ₹5,400 |
| Travel | ₹1,000 | 2.5% | ₹300 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.25% | ₹60 |
| Everything else | ₹3,000 | 0.25% | ₹90 |
| Total | ₹30,000 | ₹6,000 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹6,000* |
That is ₹600 a year more than the PhonePe SBI Card PURPLE on the same spending.
SimplyCLICK SBI Card annual fee and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Fee waiver
- ₹1,00,000 a year
- Foreign currency markup
- 3.5%
The renewal fee is waived if you spend ₹1 lakh or more in the previous year. Fees are before GST.
Fuel surcharge: Fuel surcharge waiver on transactions from ₹500 to ₹3,000, up to ₹100 a month.
SimplyCLICK SBI Card eligibility
- Age
- 21 to 70
SBI Card's issuance policy sets 21 to 65 years for salaried people and 25 to 70 years for self-employed people. Exceptions need internal approval. The documents we checked give no minimum income for this card.
The bank alone decides approval and your credit limit.
SimplyCLICK SBI Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the SimplyCLICK SBI Card right for you?
A card with a ₹499 fee that spending can waive, paying 2.5% at Myntra, BookMyShow and Cleartrip and a below-average 0.25% elsewhere.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Myntra, BookMyShow and Cleartrip: the card pays 2.5% back there, against 0.25% on most other spends.
- You spend ₹1,00,000 a year or more (about ₹8,400 a month), so the ₹499 renewal fee is waived.
- It is your first credit card: the terms are simple and the fee is low or nil.
Not for you if
- You spend less than about ₹8,400 a month: you would pay ₹589 a year with GST.
- You rarely use BookMyShow, Cleartrip and Myntra: outside them the card pays 0.25%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to SimplyCLICK SBI Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| SimplyCLICK SBI Card | ₹499 | 2.5% | ₹1,770* |
| PhonePe SBI Card PURPLE | ₹499 | 3% | ₹3,840* |
| Shoppers Stop HDFC Bank Credit Card | ₹299 | 3% | ₹2,167* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the SimplyCLICK SBI Card?
The joining fee is ₹499 and the renewal fee is ₹499 a year, both before GST. The renewal fee is waived if you spend ₹1 lakh or more in the previous year.
How much is one SimplyCLICK reward point worth?
SBI Card values 1 point at ₹0.25, so 4 points equal ₹1. You earn 10 points per ₹100 at partner brands (2.5% back), 5 points per ₹100 on other online spends (1.25%) and 1 point per ₹100 elsewhere (0.25%).
Which brands give 10X reward points?
SBI Card lists Apollo 24|7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds and Yatra. Bookings through affiliate channels on Cleartrip and Yatra do not count. SBI Card changes this list from time to time, so check before you shop.
Is there a limit on SimplyCLICK reward points?
Yes. 10X points at partner brands are limited to 10,000 a month. 5X points on other online spends have a separate limit of 10,000 a month. After a limit, you earn 1 point per ₹100.
Does Amazon earn 10X points on SimplyCLICK?
No. Amazon moved from 10X to 5X points in January 2023, and Swiggy moved to 5X from 1 April 2025.
Does the SimplyCLICK SBI Card give lounge access?
The card's terms do not list any airport lounge benefit.
Who can apply for the SimplyCLICK SBI Card?
SBI Card's policy sets an age of 21 to 65 years for salaried people and 25 to 70 years for self-employed people. The documents we checked do not give a minimum income for this card.