SimplyCLICK SBI Card review: fees, rewards and eligibility
The SimplyCLICK SBI Card has a recorded annual fee of ₹499 plus GST and a base earn of 1 Reward Point per ₹100 on eligible spends. CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with SBI Card.
SimplyCLICK SBI Card: short answer
The SimplyCLICK SBI Card is in the entry tier of SBI Card credit cards, with a joining fee of ₹499, an annual fee of ₹499 plus GST (waived on ₹1,00,000 of eligible annual spend), a base earn of 1 Reward Point per ₹100 on eligible spends and a 3.5% forex markup. Rewards are not earned on fuel, rent, wallet load, government, digital gaming. It suits online shopping, first card, low fee spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
1 Reward Point per ₹100 on eligible spends
- 10 Reward Points per ₹100 at currently listed exclusive online partners on Apollo 24x7/BookMyShow/Cleartrip/Dominos/Gyftr/IGP/Myntra/Netmeds/Tata CLiQ/Yatra (10,000 points monthly cap) — Partner recognition depends on eligible merchant identifiers and INR payment. Cleartrip and Yatra affiliate-channel transactions do not qualify; this merchant-specific route is not inferred from broad online spend.
- 5 Reward Points per ₹100 on eligible other online spend on all other online spends (10,000 points monthly cap) — The accelerated portion is capped at 10,000 Reward Points per calendar month and standard earn continues afterward. CardMasters conservatively stops value at the cap because monthly aggregate spend cannot identify the exact post-cap transaction sequence. Swiggy has earned this 5X rate since 1 April 2025.
Eligibility and important limits
minimum age 21, maximum salaried age 70 SBI Card publishes a general applicant age range of 21–70 and requires a regular income and satisfactory credit profile, but does not publish card-specific income or numeric bureau-score cutoffs for SimplyCLICK. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, wallet load, government, digital gaming, cash advance.
Important limit: SBI's current product page still includes Swiggy in its 10X list, but its dated customer notice reduced Swiggy to 5X from 1 April 2025; CardMasters applies the dated revision.
Frequently asked questions
What is the annual fee for the SimplyCLICK SBI Card?
The published annual fee in our current record is ₹499 plus applicable GST. It can be waived after ₹1,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the SimplyCLICK SBI Card?
1 Reward Point per ₹100 on eligible spends. Accelerated routes include 10 Reward Points per ₹100 at currently listed exclusive online partners on Apollo 24x7/BookMyShow/Cleartrip/Dominos/Gyftr/IGP/Myntra/Netmeds/Tata CLiQ/Yatra (10,000 points monthly cap); 5 Reward Points per ₹100 on eligible other online spend on all other online spends (10,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the SimplyCLICK SBI Card?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, wallet load, government, digital gaming, cash advance. Merchant category coding and issuer terms determine final eligibility.
Who should consider the SimplyCLICK SBI Card?
It is most relevant for people focused on online shopping, first card, low fee. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the SimplyCLICK SBI Card worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹499 plus GST each year. The fee is waived at ₹1,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the SimplyCLICK SBI Card?
The published minimum age is 21. SBI Card publishes a general applicant age range of 21–70 and requires a regular income and satisfactory credit profile, but does not publish card-specific income or numeric bureau-score cutoffs for SimplyCLICK. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the SimplyCLICK SBI Card?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the SimplyCLICK SBI Card offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.