SimplyCLICK SBI Card
An online-shopping points card: 10X at partners such as Myntra, 5X on other online spends up to 10,000 points a month, 1 point per ₹100 elsewhere; 4 points = ₹1. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| 10X partners (Myntra, BookMyShow, Cleartrip, Apollo 24x7 and others) | 10 points per ₹100 Product page | no cap on record |
| 5X on other online spends | 5 points per ₹100 Product page | up to 10,000 points a month Terms |
| Bill payments (no 5X when paid on SBI Card’s website or app; the lower rate is used for all bills) | 1 point per ₹100 Product page | no cap on record |
| All other spends | 1 point per ₹100 Product page | no cap on record |
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: Amazon.in e-gift card worth ₹500 on paying the first-year fee Product page
- Milestone: ₹2,000 Cleartrip or Yatra e-voucher at ₹1 lakh of online spend in a year Product page
- Milestone: A second ₹2,000 e-voucher at ₹2 lakh of online spend in a year Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- the issuing network (the page says it is accepted where Visa or Mastercard is)
- a RuPay variant for UPI
- a cap on 10X partner points
- eligibility criteria
Where SBI Card’s documents differ, and what is used
- Swiggy: the product page still lists it as a 10X partner; a customer notice moved Swiggy to 5X from 1 April 2025. The notice is used.
The quotes behind the figures
25 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 499 + taxes from second year onwards”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%”
“Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“4 Reward Points = Re 1”
“Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq”
“Earn 1 Reward Point per Rs. 100 on all other spends”
“Earn 5X Reward Points on all other online spends”
“5X Reward Points are applicable for all online spends made other than on exclusive partner brands and will be capped at 10,000 Reward Points per calendar month.”
“Accrual of 10X Reward Points on online spends at Swiggy with SimplyCLICK SBI Card will be revised to 5X Reward Points w.e.f. 1st APR’25.”
“Post that, every Rs.100 spent will accrue 1 Reward Point.”
“Utility Bill Payments done using SimplyCLICK SBI Card on SBI Card website/ mobile app will not accrue 5X Reward Points.”
“e-Wallet loading transactions done using SimplyCLICK SBI Card on any partner brand website/app identified under MCCs 6540 and 6541 (on best effort basis) will not accrue Reward Points.”
“Cash Advance, Balance Transfer, Encash, Flexipay and Offline Fuel transaction (5172, 5541, 5983, 5542) are not included in Reward Points program.”
“W.e.f. 01 Apr 2024, accrual of Reward Points on Rent Payment transactions with SimplyCLICK will be discontinued. Rent Payment transactions shall be identified under Merchant Category Code (MCC) 6513, on best effort basis.”
“W.e.f. 01 Jun 2024, accrual of Reward Points on Govt Related transactions with SimplyCLICK will be discontinued.”
“Reward Points can only be accumulated for a period of 24 months from the date of the accrual of reward point under the rewards program.”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 100 per statement cycle, per credit card account.”
“Get Amazon.in e-Gift Card worth Rs. 500 on payment of Annual Fee”
“E-Vouchers worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakhs respectively”
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“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology