State Bank of India
SBI Simply Click Credit Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate0.25% on most spends; 2.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
SimplyCLICK earns 10X points at partner brands such as Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy and Yatra, worth about 2.5%. Other online spends, including Amazon, earn 5X, about 1.25%. Offline spends earn very little, around 0.2%. 10X and 5X are each capped at 10,000 points a month.
It costs ₹499 a year plus GST and the fee is waived once you spend ₹1 lakh in the year. Each year you pay the fee you get a Rs 500 Amazon voucher, and Rs 1 lakh and Rs 2 lakh of online spend each earn a Rs 2,000 Cleartrip or Yatra voucher.
It suits young online shoppers. The catch is that offline spending barely earns, and fuel, rent and wallets earn nothing.
Best for: Young online shoppers, First-time card users, Swiggy and Myntra regulars.
01SBI Simply Click Credit Card Rewards and Benefits
02SBI Simply Click Credit Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.25%₹50
- Back each month, ₹600 a year₹50
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ: 2.5% back
- Spending ₹8,333 or more a month: the ₹589 fee is waived
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ: the 2.5% rate applies only there, everything else earns 0.25%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹499 joining and annual fee, waived at ₹1 lakh yearly spend
- 10X points at partner brands, about 2.5% back
- 5X points on other online spends, about 1.25% back
- ₹500 Amazon voucher each year the fee is paid
- ₹2,000 Cleartrip or Yatra voucher at ₹1 lakh and ₹2 lakh online spend
- 1% fuel surcharge waiver, up to ₹100 a cycle
05Pros and Cons
Pros
- Welcome voucher matches the fee
- Milestone vouchers worth up to ₹4,000 a year
- Easy fee waiver
Cons
- Only about 0.2% on offline spends
- No points on fuel, rent, wallets or EMIs
- No lounge access
- 3.5% forex fee
06How SBI Simply Click Credit Card earns Rewards
0.25% on most spends; 2.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.25% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 2.5% | No cap | Only at: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQTerms: 10X (~2.5% at ₹0.25/point) on online partner brands, with no monthly limit under SBI's current reward T&C. Other online spend, Amazon included, earns 5X (~1.25%), which this row does not model |
| Dining and food delivery | 0.25% | No cap | The card's normal rate |
| Groceries | 0.25% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.25% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | The card's normal rate |
| School and college fees | 0.25% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.25% | No cap | The card's normal rate |
| Everything else | 0.25% | No cap | The card's normal rate |
Terms on the base rate. 1X (1 point per ₹100, ~0.25%) on offline spends. Cleartrip/Yatra ₹2,000 milestone vouchers land at ₹1 lakh and ₹2 lakh of annual ONLINE spend, not total spend. The ₹500 Amazon voucher is a welcome gift on annual-fee payment, and SBI reissues it each year the fee is paid
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07SBI Simply Click Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 at all petrol pumps, capped at ₹100 per statement cycle
- Milestone bonuses: A second ₹2,000 Cleartrip or Yatra e-voucher at ₹2 lakh of annual ONLINE spend, again, online spend only
- Milestone bonuses: ₹2,000 Cleartrip or Yatra e-voucher at ₹1 lakh of annual ONLINE spend. The threshold is online spend only, but the engine compares it against total annual spend, so treat this as an upper bound
08SBI Simply Click Credit Card Eligibility and Documents
- Age: 21 to 65 years
- Employment: Both salaried and self-employed individuals
- Minimum Income: ₹25,000
- Self Employed: ITR > ₹4,80,000 a year
- Credit Score: 720+ with no delayed payments in the past 12 months
- New-to-Credit: Allowed only for salaried applicants
- Employment
- Salaried or self-employed
- Credit score
- 720 and above
Documents. ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips
How to apply. User will be redirected to the SBI Bank Credit Cards page Complete the application in the same session
Not sure your score clears 720? See which cards fit your credit score.
09Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Aug 2025 | Changed: Swiggy reinstated as a 10X partnerSource: State Bank of India | 5X | 10X |
| 1 Apr 2025 | Reduced: Swiggy dropped from 10X to 5XSource: State Bank of India | 10X | 5X |
| 1 Dec 2024 | Reduced: Digital gaming spends stop earningSource: State Bank of India | Reward Points earned | No Reward Points on MCC 5816, 7993, 7994 |
| 1 Nov 2023 | Reduced: EazyDiner dropped from 10X to 5XSource: State Bank of India | 10X | 5X |
| 6 Jan 2023 | Reduced: Milestone e-vouchers restricted to a single transaction | - | - |
See this card's change history → · All card changes in August 2025 →
10Cards Similar to SBI Simply Click Credit Card
SBI Simply Click Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | SBI Simply Click Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.25% on most spends; 2.5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹499 fee waived?
Yes, once you spend ₹1 lakh in a year. Below that the fee plus GST is charged.
Do milestones count offline spends?
No. The ₹2,000 vouchers at ₹1 lakh and ₹2 lakh are based on online spend only.
Does Amazon earn 10X?
No. Amazon earns 5X, about 1.25% back. 10X applies only to named partner brands.
Who can apply?
Applicants aged 18 to 60 can apply, subject to SBI Card's checks.
What is the joining fee for the SBI Simply Click Credit Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the SBI Simply Click Credit Card?
The annual fee is ₹499 + GST.
What is the eligibility for the SBI Simply Click Credit Card?
The bank looks for age: 21 to 65 years; employment: both salaried and self-employed individuals; minimum income: ₹25,000; self employed: iTR > ₹4,80,000 a year; credit score: 720+ with no delayed payments in the past 12 months; new-to-credit: allowed only for salaried applicants. Meeting these does not guarantee approval, since the final decision is the bank's.
What documents do I need for the SBI Simply Click Credit Card?
You will need PAN Card/Form 60; Aadhaar, Passport, or utility bills; Bank statements or salary slips.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
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