SBI SimplyCLICK Credit Card
SBI Card · Visa · Entry card
Very accessible credit card with consistent online reward points and valuable milestone flight vouchers from Cleartrip.
First-time online shoppers looking for an easy-approval bank card.
Terms checked 13 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Myntra
- 2.5%
- Amazon
- 1.3%
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Travel & hotels | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Dining & delivery | 0.3% |
| Groceries & essentials | 0.3% |
| Subscriptions & streaming | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Offline store shopping | 0.3% |
| Bills & utilities | 0.3% |
| International spending | 0.3% |
| Insurance premiums | 0.3% |
| Education & family | 0.3% |
| Other miscellaneous | 0.3% |
| Gold & jewellery | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- 10X partner points: ₹2,500/month · 5X online points: ₹2,500/month
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Approx. ₹20,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Current exclusive partners 10X points
Usage-based value10X applies only to the currently listed exclusive partners; Amazon and Swiggy are not in this bucket.
Conditions: 10X applies only to the currently listed exclusive partners; Amazon and Swiggy are not in this bucket.
Other eligible online 5X points
Usage-based value5X applies to other eligible online purchases, including eligible Amazon and Swiggy transactions.
Conditions: 5X applies to other eligible online purchases, including eligible Amazon and Swiggy transactions.
Other eligible base points
Usage-based value1 point per ₹100 applies to other eligible transactions.
10X Reward Points on the current exclusive partners; Amazon and Swiggy earn at the 5X online rate
Shown without a cash value5X Reward Points on all other online shopping
Shown without a cash value
Fees · 3 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Annual fee reversed with ₹1 Lakh annual spend
Shown without a cash value
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Welcome benefits · 1 item
₹500 Amazon e-gift card
Recorded value ₹500Amazon.in e-gift card issued after the applicable annual membership fee is paid.
Conditions: Pay the applicable membership fee · Subject to SBI Card welcome-gift terms
Spend milestones · 2 items
₹2,000 travel voucher at ₹1 lakh online spend
Recorded value ₹2,000Requires eligible online spend.
Conditions: Reach ₹1,00,000 per card anniversary year
Additional ₹2,000 travel voucher at ₹2 lakh online spend
Recorded value ₹2,000Requires eligible online spend.
Conditions: Reach ₹2,00,000 per card anniversary year
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible ₹500-₹3,000 transactions, capped at ₹100 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The issuer makes the underwriting decision and does not publish one universal numeric threshold on the registered product source.
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10X Reward Points on the current exclusive partners; Amazon and Swiggy earn at the 5X online rate
- ✓ 5X Reward Points on all other online shopping
- ✓ ₹2,000 Cleartrip e-voucher each on reaching ₹1 Lakh and ₹2 Lakh annual spends
- ✓ Annual fee reversed with ₹1 Lakh annual spend
What to watch
Base reward rate for offline stores is quite low (0.25%). Best used exclusively for digital purchases.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Cash withdrawal · Balance transfer · Encash · Flexipay
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Swiggy accelerated rewards reduced
The accelerated earn rate for online Swiggy purchases was reduced while the other named accelerated-reward partners remained unchanged.
- Before
- 10X reward points on eligible online Swiggy purchases.
- After
- 5X reward points on eligible online Swiggy purchases.
Checked 30 Aug 2026SBI Card notice to cardholders ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Apr 2025