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Last updated: 9 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 10X Reward Points (2.5% Value)
Earn 10 Reward Points per ₹100 spent online with exclusive partners (Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra). Earn 5 Reward Points per ₹100 on all other online spends. Earn 1 Reward Point per ₹100 on general offline spends. (Note: 10X and 5X points are capped at 10,000 points per month each).
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Vouchers: Earn Cleartrip or Yatra e-vouchers worth ₹2,000 each on reaching annual online spends of ₹1 Lakh and ₹2 Lakhs (Total ₹4,000 potential value)
Annual Fee Waiver: The renewal fee of ₹499 + 18% GST is reversed if your total annual spends in the previous year exceed ₹1 Lakh
Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per statement cycle). Note: 18% GST on the surcharge is not refunded
An honest read on where this card earns its keep — and where it doesn't.
Welcome Amazon voucher of ₹500 directly offsets the first-year joining fee
Excellent 2.5% reward rate (10X) on popular online lifestyle brands like Swiggy
Myntra, and BookMyShow
Achievable milestone vouchers provide an extra ₹4,000 value annually for heavy online shoppers
Easy annual fee waiver requirement of just ₹1 Lakh
Base reward rate for offline transactions is an extremely low 0.25%
Provides zero complimentary airport lounge access
Accelerated 10X and 5X online reward points are strictly capped at 10,000 points per month each
Reward points have a hard expiry of 24 months
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI SimplyClick Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for SBI SimplyClick Credit Card.
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Everything you need to know about SBI SimplyClick Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI SimplyClick Credit Card has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Amazon.in e-Gift Card worth ₹500 as a welcome benefit upon payment of the ₹499 joining fee, effectively making the first year free.".
SBI SimplyClick Credit Card earns Reward Points at a primary rate of Up to 10X Reward Points (2.5% Value). Specifically, Earn 10 Reward Points per ₹100 spent online with exclusive partners (Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra). Earn 5 Reward Points per ₹100 on all other online spends. Earn 1 Reward Point per ₹100 on general offline spends. (Note: 10X and 5X points are capped at 10,000 points per month each).. Spends in Shopping, Entry Level, Rewards, Everyday categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI SimplyClick Credit Card can be redeemed for SBI Card Rewards Catalog, Cleartrip & Yatra E-vouchers, Statement Credit (1 RP = ₹0.25) via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of SBI SimplyClick Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI SimplyClick Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
SBI SimplyClick Credit Card levies a forex markup fee of 3.50% of the transaction amount + 18% GST (Effective 4.13%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI SimplyClick Credit Card currently features a welcome offer: "Amazon.in e-Gift Card worth ₹500 as a welcome benefit upon payment of the ₹499 joining fee, effectively making the first year free.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Welcome Amazon voucher of ₹500 directly offsets the first-year joining fee and Excellent 2.5% reward rate (10X) on popular online lifestyle brands like Swiggy. However, keep in mind that Base reward rate for offline transactions is an extremely low 0.25% and Provides zero complimentary airport lounge access. Overall, SBI SimplyClick Credit Card delivers strong value if your regular spending aligns with Shopping, Entry Level, Rewards, Everyday.
SBI SimplyClick Credit Card is focused on Shopping and Entry Level and Rewards and Everyday valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, SBI SimplyClick Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
