SimplyCLICK SBI Card
SBI Card · Points/miles card · ₹499 annual fee
Fees & benefits
| Annual fee | ₹499 + GST — waived at ₹1,00,000/yr spend |
| Welcome benefit | ~₹500 value |
| Airport lounges | None |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10X partners / 5X other online (shared 10,000 pts/mo cap) | 2.5% | ₹2,500 | amazon, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, apollo247 |
| 10X partners / 5X other online (shared 10,000 pts/mo cap) | 1.25% | ₹2,500 | online |
| Base rewards (1 RP per ₹100) | 0.25% | Uncapped | all eligible spend |
Milestones
Cleartrip/Yatra e-voucher (online-spend milestone): ₹2,000 at ₹1,00,000/yr spend
Cleartrip/Yatra e-voucher (online-spend milestone 2): ₹2,000 at ₹2,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
10X reward points at SBI exclusive online partners (Amazon, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra, Apollo 24|7), 5X on other online spends — combined 10,000 points/month cap (modeled via shared cap); 1 RP/₹100 base.
Welcome: ₹500 Amazon voucher. Milestone e-vouchers worth ₹2,000 at ₹1L and ₹2L annual online spend.
1% fuel surcharge waiver (₹500–₹3,000). No lounge access.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the SimplyCLICK SBI Card lifetime free?
No, the annual fee is ₹499 (plus GST), waived on spending ₹1,00,000 a year.
What is the highest reward rate on the SimplyCLICK SBI Card?
2.5% — 10X partners / 5X other online (shared 10,000 pts/mo cap). Effective value depends on monthly caps; see the caveats on this page.
Does the SimplyCLICK SBI Card give airport lounge access?
No, the SimplyCLICK SBI Card does not include airport lounge access.
Where the SimplyCLICK SBI Card fits
Ranks in our: Credit cards for dining and food delivery (#5).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.