SimplyCLICK SBI Card

Joining ₹499 · Annual ₹499 · Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more

Fee break-even: ≈₹1,99,600/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 0.25 ₹/point. 1 RP = ₹0.25 (4 RP = ₹1), the rate SBI itself uses on its product pages (e.g. '2,000 Bonus Reward Points worth ₹500'). Realistic routes are statement credit or e-gift vouchers from the Shop & Smile / SimplyCLICK partner catalogue. Frictions: ₹99 + GST redemption fee per processing batch. W.e.f. 1 April 2026 statement credit must be taken in multiples of 4,000 RP (₹1,000, up from 2,000 RP) and is capped at 60,000 RP per card per calendar month. Points expire 24 months after accrual. Occasional Amazon/Flipkart voucher promotions push the value toward ₹0.50 but are not dependable.

Verified 10 Aug 2026

Forex markup3.5%

GolfNone

ConciergeNone

Domestic loungeNone

International loungeNone

EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · The kindest fee structure here. There is nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert. Converting an already billed amount is a separate product costing 1% capped at ₹2,000. · Flexipay EMI conversions earn no points

Fuel surcharge1% on transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle per card account

Milestones

◆ Spend ₹1,00,000 per year → ₹2,000 Cleartrip or Yatra e-voucher (brand at SBI's discretion) on ₹1 lakh of ONLINE spend in the card anniversary year Worth ₹2,000
◆ Spend ₹2,00,000 per year → A second ₹2,000 Cleartrip or Yatra e-voucher on ₹2 lakh of ONLINE spend in the card anniversary year, ₹4,000 total per year Worth ₹2,000

Return by category

Category	Return	Notes
Online spend	1.25%	10,000 RP per calendar month on the 5X bucket. Roughly ₹2,00,000 of non-partner online spend. Base 1 RP/₹100 thereafter · 5X = 5 RP per ₹100 on all online spends outside the exclusive-partner list, with no merchant restriction. Utility bill payments made through the SBI Card website/app do not get 5X (base rate only). The 11 exclusive-partner brands earn 10X = 2.5% instead, under a SEPARATE 10,000 RP monthly cap. See perks.other for the current list.
Amazon	1.25%	Uses its online rate
Flipkart	1.25%	Uses its online rate
Subscriptions & OTT	1.25%	Uses its online rate
Offline spend	0.25%	Base rate
UPI spending	0%	Issued on Visa (a few legacy cards on Mastercard). SBI Card has confirmed SimplyCLICK is not offered on the RuPay platform, and only RuPay credit cards can be linked to UPI. So this card cannot do credit-on-UPI at all.
Dining	0.25%	Base rate
Swiggy	0.25%	Base rate
Zomato	0.25%	Base rate
Groceries	0.25%	Base rate
Quick commerce	0.25%	Base rate
Swiggy Instamart	0.25%	Base rate
Blinkit	0.25%	Base rate
BigBasket	0.25%	Base rate
Movies & shows	0.25%	10X = 10 RP per ₹100, but only on BookMyShow online, which is the one 10X partner that effectively covers a whole spend category. Cinema box office, other ticketing platforms and any offline movie spend earn 5X online or the 0.25% base.
BookMyShow	2.5%	Shares the separate 10,000 RP per calendar month exclusive-partner bucket. Roughly ₹1,00,000 of partner spend · 10X = 10 RP per ₹100, but only on BookMyShow online, which is the one 10X partner that effectively covers a whole spend category. Cinema box office, other ticketing platforms and any offline movie spend earn 5X online or the 0.25% base.
PVR INOX	0.25%	Uses its movies rate
Fuel	0%	Fuel transactions are outside the Reward Points programme (fuel surcharge waiver applies instead)
Travel (general)	0.25%	Base rate
Flights	0.25%	Base rate
Hotels	0.25%	Base rate
MakeMyTrip	0.25%	Base rate
IRCTC rail	0.25%	Base rate
International	−3.25%	0.25% reward − 3.5% forex markup
Utilities & bills	0.25%	Base rate
Rent	0%	No reward points on rent payments (MCC 6513).
Education fees	0.25%	Base rate
Insurance premiums	0.25%	Base rate
Government & tax	0%	No reward points on government-related transactions (MCC 9399, 9311).
Wallet loads	0%	E-Wallet loading (MCC 6540, 6541) earns no points
Anything else	0.25%	Base rate
Jewellery	0.25%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefit: ₹500 Amazon Pay e-Gift Card, released only after the ₹499 first-year annual fee is actually paid. Code arrives within 21 to 30 days. It must be added to Amazon Pay within 6 months of issuance, after which the balance is valid 12 months.
10X partners (10 RP per ₹100 = 2.5%) as listed on sbicard.com in August 2026: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr and Tata Cliq. Amazon is NO LONGER a 10X partner, and Lenskart is not on the current official list.
The two accelerator caps are SEPARATE, not shared: 10,000 RP per calendar month on 10X partner spend AND a further 10,000 RP per calendar month on 5X other-online spend, per SBI's own T&C booklet. Maximum accelerated earn is therefore 20,000 RP (₹5,000) a month. CardInsider's 'max 10,000 RP per month on the bonus' is wrong.
10X carve-outs: Cleartrip and Yatra bookings made through affiliate channels do not qualify. Amazon gift-card purchases do not qualify. Amazon utility bills and recharges lost 10X w.e.f. 1 September 2021. Gyftr 10X applies only at gyftr.com/sbicsimplyclick. 10X credit also depends on the partner supplying valid merchant IDs to SBI, a recurring cause of missing points.
Unlike the Cashback SBI Card, insurance, utilities (except when paid on SBI Card's own site/app), education and jewellery are NOT excluded on SimplyCLICK. They earn 5X online or the base rate. SBI's exclusion lists genuinely differ per product.
A secured 'SimplyCLICK Advantage' variant is offered against a fixed deposit. Add-on card fee: nil.

Other exclusions

No reward points on digital gaming platforms and merchants (MCC 5816, 7993, 7994).
Flexipay EMI conversions earn no points
Cash advance, balance transfer and Encash are outside the Reward Points programme

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.