SimplyCLICK SBI Card review

SBI Card · Visa · points Official sources Checked 30 Oct 2026

At a glance

Annual fee: ₹499
Joining fee: ₹499
Fee waiver: ₹1,00,000 a year
Base return: 0.25% base
Point value: ₹0.25 per point
Domestic lounge: None found
International lounge: None found

Estimated net value a year

Profile	Net	% of spend
First card, light spender ₹15k a month	₹1,869	1.1%
Metro salaried ₹60k a month	₹5,752	0.8%
Family household ₹80k a month	₹5,777	0.6%
Frequent flyer ₹1.5L a month	₹11,072	0.6%
Online shopper ₹50k a month	₹7,100	1.2%
Rent-heavy ₹90k a month	₹4,640	0.4%

Fee maths: The ₹499 annual fee is waived at ₹1,00,000 a year of eligible spend, about ₹8,300 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,869 (first card, light spender) to ₹11,072 (frequent flyer), equal to 0.4% to 1.2% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹8,000 a month of total spend.

After fees and caps, best-case redemption. Use your own spend.

Our take: An online-shopping card: 5X points on online spends (10,000 points a month cap), uncapped 10X at listed partners such as Cleartrip, Yatra, BookMyShow, Myntra and Swiggy, and two ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of annual online spend. Four points are worth ₹1, so 5X is about 1.25%. Amazon and Flipkart are not on the 10X partner list. Fuel, rent, wallet loads and gaming earn nothing, utility bills paid on the SBI Card app do not earn 5X, and there is no lounge access.

From the card's terms: limits

Base return is only about 0.25% on other spends

Reward rates and caps

Spend category	Points per ₹100	Value per ₹100	Cap	Notes
Flights & hotels	10	₹2.5	No cap found	10X at exclusive online partners; official partner list (product page): Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq. Travel partners = Cleartrip, Yatra. Official Shop & Smile T&C (Table 2): partner 10X has NO capping (confirmed 30 Oct 2026; the T&C states it supersedes brochures/websites). Cleartrip via affiliate channels and Amazon gift cards excluded.
Entertainment & OTT	10	₹2.5	No cap found	10X only at partner BookMyShow (official list); share is an assumption.
Amazon, Flipkart, Other online shopping	5	₹1.25	10000 pts monthly	5X on all other online spends (official page), capped at 10,000 reward points/month (Shop & Smile T&C). Amazon and Flipkart are NOT on the official 10X partner list, so modelled at 5X. Myntra/Tata Cliq/Netmeds/Apollo/IGP/Gyftr are 10X partners but not separately modelled.
Everything else, Groceries, Dining & food delivery, Bills & utilities	1	₹0.25	No cap found	1 reward point per ₹100 on all other spends (official product page); 4 RP = Re 1. Swiggy/Dominos online are 10X partners (not separately modelled).
Fuel, Rent	0	₹0	No cap found	Official: no points on fuel, wallet loads (MCC 6540/6541), rent (MCC 6513), government (MCC 9399/9311), gaming (MCC 5816/7993/7994), cash advances, balance transfers; utility bills on SBI Card app/site do not earn 5X.

Point value: Redeem at about ₹0.25 per point (statement credit / catalogue; min 2,000 points per aggregator). Since Apr 2026 statement-credit redemption must be in multiples of 4,000 points, max 60,000/month (SBI notice; check whether card exempt).

Excluded or reduced

fuel
rent
wallet loads
government payments
online gaming
cash advances
balance transfers
EMI conversions
Amazon gift cards (no 10X)
Cleartrip via affiliate channels (no 10X)

Spend milestones

Spend ₹1,00,000 a year: ₹2,000 Cleartrip/Yatra e-voucher on ₹1 lakh annual ONLINE spend (official page) (about ₹2,000)
Spend ₹2,00,000 a year: ₹2,000 Cleartrip/Yatra e-voucher on ₹2 lakh annual ONLINE spend (official page) (about ₹2,000)

Other benefits

Welcome: ₹500 Amazon.in e-gift card on payment of annual fee (official product page)
Renewal: Annual fee waiver on ₹1 lakh spend.
1% fuel surcharge waiver on ₹500-3,000 per transaction, max ₹100 per statement cycle (official page)
Forex markup 3.5%

Eligibility

Standard SBI Card eligibility (not verified). not confirmed in an issuer document: check the application page

Reported rule changes

1 May 2026: SBI Card: late payment charge bands revised from 1 May 2026 official
1 Apr 2026: SBI Card: statement-credit redemption capped at 60,000 points a month and in blocks of 4,000 from 1 April 2026 official

Compare

Related guides

FAQ

What is the annual fee of the SimplyCLICK SBI Card?

₹499 a year, waived at ₹1,00,000 annual spend. Fees exclude 18% GST.

How do SimplyCLICK SBI Card rewards work?

0.25% base, up to 1.25% on Amazon/Flipkart/other online shopping, 2.5% at partners, capped. Redeem at about ₹0.25 per point (statement credit / catalogue; min 2,000 points per aggregator). Since Apr 2026 statement-credit redemption must be in multiples of 4,000 points, max 60,000/month (SBI notice; check whether card exempt).

Does the SimplyCLICK SBI Card give airport lounge access?

We did not find lounge access on this card in the sources we checked.

Who is the SimplyCLICK SBI Card best suited to?

An online-shopping card: 5X points on online spends (10,000 points a month cap), uncapped 10X at listed partners such as Cleartrip, Yatra, BookMyShow, Myntra and Swiggy, and two ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of annual online spend. Four points are worth ₹1, so 5X is about 1.25%. Amazon and Flipkart are not on the 10X partner list. Fuel, rent, wallet loads and gaming earn nothing, utility bills paid on the SBI Card app do not earn 5X, and there is no lounge access. The ₹499 annual fee is waived at ₹1,00,000 a year of eligible spend, about ₹8,300 a month. All of our profiles clear that, so the fee costs nothing on them. On our 6 profiles it nets from ₹1,869 (first card, light spender) to ₹11,072 (frequent flyer), equal to 0.4% to 1.2% of spend across the profiles.