SBI SimplyCLICK Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
10X points at Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, GyFTR & Tata CLiQ; 5X on other online spends; 1X offline
Welcome Bonus
₹500 Amazon Gift Card on joining
Lounge
No Lounge Access
Our Expert Take
SBI SimplyCLICK earns 10X points at partners like Myntra, Swiggy, Tata CLiQ and BookMyShow, and 5X on other online spending (capped at 10,000 points a month). Amazon is no longer a 10X partner. The ₹499 fee is waived on ₹1 lakh annual spend.
Reward limits
Checked 27 Sep 2026 · Bank terms
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5X points on online spends outside partner brands
Max 10,000 points (≈₹2,500) per calendar month
Reached after about ₹2,00,000 of spend
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10X at partner brands, 1X offline
No published limit
No rewards on: Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay; utility bills paid on the SBI Card app/website don't get 5X
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
Pros & Cons
Key Advantages
- 10X rewards at partners like Myntra, Swiggy, Tata CLiQ and BookMyShow
- ₹500 Amazon Gift Card as welcome bonus
- 5X on all other online spends
- Annual fee waived on just ₹1 Lakh annual online spend
- ₹2,000 Cleartrip e-voucher milestone on ₹1 Lakh annual online spends
Limitations
- Only 1X rewards on offline spends, weak for in-store use
- Reward points expire after 2 years
- No lounge access benefits
- High finance charges of 3.5% per month
Key Perks & Spending Milestones
₹500 Amazon Pay gift card on paying the first-year fee
10X reward points at Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, GyFTR & Tata CLiQ
5X reward points on all other online spends
1X reward points on all offline spends
1% fuel surcharge waiver on transactions ₹500–₹3,000 (capped ₹100/month)
Contactless payment enabled
Spend milestone
₹2,000 Cleartrip e-voucher on annual online spends of ₹1 Lakh
Spend milestone
₹2,000 Cleartrip e-voucher on annual online spends of ₹2 Lakh
Spend milestone
Annual fee waived on annual online spends of ₹1 Lakh
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual online spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Fair to Good (700+), Salaried ₹20,000/month minimum
Frequently Asked Questions
What's the reward rate on SBI SimplyCLICK?
Is there a redemption cap on SBI SimplyCLICK reward points?
Does SBI SimplyCLICK offer lounge access?
Compare SBI SimplyCLICK Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI SimplyCLICK Credit Card This Card | ₹499 + Taxes | 10X points at Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP,... | No Lounge Access | 4.2/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |