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State Bank of India

SBI Card SimplyCLICK

4.3Best for online shopping

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Online shopping 10X Reward Points (10 RP per ₹100) on exclusive online partners (e.g. Amazon-not currently, Apollo24x7, BookMyShow, Cleartrip, Swiggy, Myntra, Netmeds, Yatra via partner list); 1 RP = ₹0.25, so 10X ≈ 2.5% value back. Partner list changes periodically; verify current partners.	2.5%	—	₹3,000
Everything else 5X Reward Points (5 RP per ₹100) on all other online spends (non-partner), capped at 10,000 RP per calendar month; 1 RP = ₹0.25 so ≈1.25% value back. Excludes utility bill payments, rent, government, gaming. Base 1 RP per ₹100 (0.25%) on offline/other spends.	1.25%	—	₹1,500
All other spends	0.25%	—	₹300

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

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

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

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