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State Bank of India
SBI Card SimplyCLICK
4.3Best for entertainment
Verifying
- Joining fee incl. GST
- ₹589
- Renewal fee incl. GST
- ₹589
- Conditional welcome value
- Up to ₹500
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- —
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Issued after payment of the ₹499 first-year annual membership fee
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
What still needs confirmation
- Partner tables and dated Swiggy notices conflict; no blanket current Swiggy 10X promise is made. Transaction rounding and voucher restrictions are outside the category estimate.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Entertainment Only the qualifying merchants or payment route below 10 RP per ₹100 on eligible INR online partner transactions only. Cleartrip/Yatra affiliate bookings do not qualify; GyFTR requires the dedicated SimplyCLICK portal. The partner list and Swiggy effective dates differ across bank documents, so confirm the merchant before selecting this rate. | 2.5% | No category cap |
Travel Only the qualifying merchants or payment route below 10 RP per ₹100 on eligible INR online partner transactions only. Cleartrip/Yatra affiliate bookings do not qualify; GyFTR requires the dedicated SimplyCLICK portal. The partner list and Swiggy effective dates differ across bank documents, so confirm the merchant before selecting this rate. | 2.5% | No category cap |
Online shopping Only the qualifying merchants or payment route below 10 RP per ₹100 on eligible INR online partner transactions only. Cleartrip/Yatra affiliate bookings do not qualify; GyFTR requires the dedicated SimplyCLICK portal. The partner list and Swiggy effective dates differ across bank documents, so confirm the merchant before selecting this rate. | 2.5% | No category cap |
Entertainment Only the qualifying merchants or payment route below 5 RP per ₹100 on eligible general online spending; monthly ceiling 10,000 RP. Beyond it, 1 RP per ₹100. SBI-channel utility payments do not qualify for 5X; excluded merchant codes earn no points. | 1.25% | ₹2,500 shared reward / monthThen 0.25% on eligible excess |
Travel Only the qualifying merchants or payment route below 5 RP per ₹100 on eligible general online spending; monthly ceiling 10,000 RP. Beyond it, 1 RP per ₹100. SBI-channel utility payments do not qualify for 5X; excluded merchant codes earn no points. | 1.25% | ₹2,500 shared reward / monthThen 0.25% on eligible excess |
Dining Only the qualifying merchants or payment route below 5 RP per ₹100 on eligible general online spending; monthly ceiling 10,000 RP. Beyond it, 1 RP per ₹100. SBI-channel utility payments do not qualify for 5X; excluded merchant codes earn no points. | 1.25% | ₹2,500 shared reward / monthThen 0.25% on eligible excess |
Online shopping 5 RP per ₹100 on eligible general online spending; monthly ceiling 10,000 RP. Beyond it, 1 RP per ₹100. SBI-channel utility payments do not qualify for 5X; excluded merchant codes earn no points. | 1.25% | ₹2,500 shared reward / monthThen 0.25% on eligible excess |
Other eligible purchases 1 RP per ₹100 on eligible offline spending. | 0.25% | No category cap |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Joining fee₹499
Annual fee₹499
Annual fee waiverRenewal fee of ₹499 reversed on annual spends of ₹1,00,000 or more in the preceding year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹100/mo
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹1,00,000 | Cleartrip/Yatra e-Voucher worth ₹2,000 on annual online spends of ₹1 Lakh | ₹2,000 |
| ₹2,00,000 | Cleartrip/Yatra e-Voucher worth ₹2,000 on annual online spends of ₹2 Lakh | ₹2,000 |
Key benefits
- 10X Reward Points on exclusive online partner brands (≈2.5% value back)
- 5X Reward Points on other online spends, capped at 10,000 RP/month (≈1.25% value back)
- 1 Reward Point per ₹100 on other eligible purchases (₹0.25 each)
- Amazon Pay Gift Card worth ₹500 as welcome gift, after the first-year fee is paid
- Cleartrip/Yatra e-Vouchers worth ₹2,000 each at ₹1 lakh and ₹2 lakh annual online spends
- 1% fuel surcharge waiver (₹500–₹3,000, max ₹100 per month)
- Reward Points expire 24 months after they are earned
- Contactless payment enabled
- For cards eligible for statement-credit redemption, SBI requires blocks of 4,000 points from 1 April 2026 and caps redemption at 60,000 points/month. This is separate from earning; redemption fees and unused balances reduce realised value.
What we like
- +Strong 10X rewards on popular online partner brands
- +Low annual fee (₹499) with easy ₹1 lakh spend waiver
- +Good entry-level card for online shoppers
What to watch
- −5X online rewards capped at 10,000 RP per month
- −Low base reward rate (0.25%) on offline/other spends
- −No lounge access; reward point value of only ₹0.25
- −Reward Points lapse 24 months after they are earned
- −Rent, government and digital gaming spends earn nothing
SBI Card SimplyCLICK head-to-head
The matchups this card is most often weighed against, each settled on net annual value computed for three real spending patterns.
All head-to-head matchups →
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