State Bank of India
SBI Card SimplyCLICK
4.3 / 5visa · mastercard
- Joining fee
- ₹499
- Annual fee
- ₹499
- Base reward
- 0.25%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 2.5% | Uncapped |
| Everything else | 1.25% | Uncapped |
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 all other spends (₹0.25 each)
- ▸Amazon Pay Gift Card worth ₹500 as welcome gift
- ▸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)
- ▸Contactless payment enabled
The good
- + 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
The catch
- − 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