SBI
SBI Simply Click Credit Card
This is an invite only card
Apply and get ₹1400 Rewards
Top Benefits
Get 10X Reward Points at Myntra, Tata Cliq
Apollo 24x7, BookMyShow, IGP, and on e-Gift Voucher purchases at the Gyftr portal, on online spends counted within the 10,000 reward points monthly cap across accelerated categories
Get 5X Reward Points on all other Online Spends
capped at 10,000 reward points per calendar month across accelerated categories, after which spends earn 1 reward point per ₹100
Best For
Shopping
The SBI Simply Click Credit Card is one of India's most popular online shopping cards, built around a c...
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The SBI Simply Click Credit Card is one of India's most popular online shopping cards, built around a c...
The SBI Simply Click Credit Card is one of India's most popular online shopping cards, built around a clean idea: pay you 10X reward points on every online purchase made through select partners, and 5X on every other online spend. With a low ₹499 joining fee that's fully offset by a ₹500 Amazon gift voucher welcome benefit, plus milestone rewards worth up to ₹4,000 a year on online spends, the card is purpose-built for the urban, salaried, online-shopping-heavy user.
What sets the SBI Simply Click Credit Card apart from other entry-level rewards cards is its flat partner reward structure. You earn 10 reward points per ₹100 on Amazon, BookMyShow, Cleartrip, Swiggy, Myntra, and other partners (effective 2.5% return at ₹0.25 per point) and 5 reward points per ₹100 on all other online spends (1.25%). Combined accelerated earnings are capped at 10,000 reward points a month, after which the rate drops to the standard 1 RP per ₹100. The 1.99% forex markup is also notable, sitting among the lowest in the Indian credit card market.
The card is positioned for first-time and entry-level credit card users with monthly card spending of ₹10,000 to ₹40,000, of which a meaningful chunk goes to online shopping. It is not the right pick if you want lounge access (the card offers none), make most of your spends offline (1X return only), or rely heavily on excluded categories like rent, fuel, insurance, utilities, education, and EMI conversions.
View FAQ
Commonly Asked Questions
Who is the SBI Simply Click Credit Card best suited for?
The SBI Simply Click Credit Card is best for salaried professionals earning ₹20,000 a month or more, who shop online regularly across Amazon, BookMyShow, Cleartrip, Swiggy, and Myntra. If you spend ₹15,000 to ₹40,000 a month online with at least 30% on partner platforms, the 10X reward rate plus milestone bonuses deliver meaningful annual value of ₹3,000 to ₹6,000.
Is the SBI Simply Click Credit Card a lifetime free card?
No, the SBI Simply Click Credit Card has a joining fee of ₹499 and an annual fee of ₹499. The joining fee is fully offset by a ₹500 Amazon gift voucher welcome benefit. The annual fee is waived if you spend ₹1 lakh or more in a card anniversary year.
What is the welcome benefit on the SBI Simply Click Credit Card?
You get a ₹500 Amazon e-Gift voucher on payment of the ₹499 annual fee. The voucher is issued within 21 days of fee payment and is valid for 12 months once added to your Amazon Pay account. So your effective first-year cost is just ₹1 plus GST, since the welcome voucher more than covers the joining fee.
How many reward points do I earn per ₹100 on this card?
You earn 10 reward points per ₹100 on online spends with partners like Amazon, BookMyShow, Cleartrip, Swiggy, and Myntra (2.5% effective return), 5 reward points per ₹100 on all other online spends (1.25% return), and 1 reward point per ₹100 on offline spends (0.25% return). Each reward point is worth ₹0.25 in catalogue redemption.
Expert Review
Joining/Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
The SBI Simply Click Credit Card carries a joining fee of ₹499 and an annual fee of ₹499. Both amounts ...
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The SBI Simply Click Credit Card carries a joining fee of ₹499 and an annual fee of ₹499. Both amounts ...
The SBI Simply Click Credit Card carries a joining fee of ₹499 and an annual fee of ₹499. Both amounts are exclusive of GST, so the actual debit on your statement is ₹589 each, including 18% GST.
The joining fee is fully offset by the welcome benefit. You receive a ₹500 Amazon e-Gift voucher on payment of the annual fee, delivered within 21 days. So the welcome voucher returns ₹1 of net positive value before any reward earning, making the first year effectively free for any active user.
The annual fee of ₹499 is waived if you spend ₹1 lakh or more in a card anniversary year. That works out to roughly ₹8,400 a month in eligible spending. For an online shopper using this as a primary card across Amazon, Flipkart, Swiggy, and other partners, the threshold is realistic and unlocks the fee waiver naturally.
Practical math: averaging ₹10,000 a month consistently across 12 months gets you past the ₹1 lakh threshold and triggers an automatic fee reversal in your renewal statement. This is one of the easier waivers in the entry-level rewards card category.
For users who do not hit ₹1 lakh in annual spending, the ₹499 fee is charged in your renewal cycle. Even at the renewal fee, the ongoing 10X partner rewards plus milestone vouchers can deliver ₹3,000 to ₹6,000 in annual value for active online shoppers, keeping the card net positive.
View FAQ
Commonly Asked Questions
What is the joining fee of the SBI Simply Click Credit Card?
The joining fee is ₹499 plus 18% GST, bringing the total debit on your first statement to ₹589. The fee is fully offset by the ₹500 Amazon welcome voucher delivered within 21 days of fee payment.
What is the annual fee on this card?
The annual fee is ₹499 plus 18% GST (₹589 total), charged on each card anniversary. The fee is waived if your annual spending crosses ₹1 lakh in the previous card year.
How is the annual fee waiver calculated?
SBI Card tracks total eligible spends from the date of card activation to the next card anniversary. If cumulative eligible spend touches ₹1 lakh, the next year's annual fee is automatically reversed in your renewal statement, within one billing cycle of the anniversary.
How much do I need to spend monthly to hit the fee waiver?
You need to average ₹8,400 a month in eligible spends across 12 months to clear the ₹1 lakh annual threshold. For most online shoppers using this card as a primary plastic, this is realistic.
What spends count towards the ₹1 lakh fee waiver?
Standard online and offline retail spends count towards the ₹1 lakh fee waiver. Excluded categories like fuel, insurance, EMI conversions, government payments, utility bills, rent, and education spends do not contribute.
Are the joining and annual fees refundable?
The joining fee is not refundable once charged, since it is tied to the welcome voucher. The annual fee is reversed only if the spend-based waiver condition is met during the previous card year.
Is there a First Year Free option for this card?
SBI Card occasionally offers First Year Free promotional variants of the Simply Click through specific channels and partner programmes. Note that First Year Free cards may not qualify for the standard welcome voucher, since the fee waiver replaces the upfront benefit.
Is GST charged on the joining and annual fees?
Yes, 18% GST is added on top of both the ₹499 joining fee and the ₹499 annual fee. So the actual amount that hits your statement is ₹589 each, inclusive of taxes.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The SBI Simply Click Credit Card has a moderately accessible eligibility profile aligned with its entry...
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The SBI Simply Click Credit Card has a moderately accessible eligibility profile aligned with its entry...
The SBI Simply Click Credit Card has a moderately accessible eligibility profile aligned with its entry-level positioning. The income threshold sits at ₹20,000 a month or ₹3 lakh annually, which fits most urban salaried professionals.
The age window is 21 to 60 years for salaried applicants and 21 to 70 years for self-employed applicants. The minimum monthly income is ₹20,000, with an annual income of ₹3 lakh required for both employment types. A CRIF or CIBIL score of 750 or higher is preferred, which is on the stricter side compared to entry-level cards that accept 720 or 735.
To frame this simply: a salaried professional earning ₹20,000 a month qualifies, which fits entry-level urban roles, freshers in their second or third year of employment, and mid-level support staff. Self-employed applicants with two years of clean ITR filings showing ₹3 lakh annual income are also strong candidates. The 750 credit score requirement is a meaningful gate, so applicants with recent missed payments or short credit history may face declines.
NRIs are not in the eligibility pool for this card. Both new-to-SBI Card customers and existing SBI Card holders can apply.
| Criterion | Salaried | Self Employed |
|---|---|---|
| Minimum Age | 21 years | 21 years |
| Maximum Age | 60 years | 70 years |
| Minimum Monthly Income | ₹20,000 | ₹20,000 equivalent |
| Minimum Annual Income | ₹3 lakh | ₹3 lakh |
| CIBIL / CRIF Score | 750+ | 750+ |
| Residency | Indian Resident | Indian Resident |
View FAQ
Commonly Asked Questions
What is the minimum salary required for the SBI Simply Click Credit Card?
The minimum monthly salary required is ₹20,000, with an annual income of ₹3 lakh for salaried applicants. Self-employed applicants need ITR-backed annual income of at least ₹3 lakh for approval.
What is the minimum age for this card?
The minimum age is 21 years for both salaried and self-employed applicants. The maximum age is 60 years for salaried applicants and 70 years for self-employed applicants.
What CIBIL score do I need for this card?
A credit score of 750 or higher is preferred for approval. Applicants with scores between 720 and 750 may still be considered if the income profile is well above the minimum bar and credit history is clean.
Can self-employed people apply for this card?
Yes, self-employed individuals are eligible. The age window is wider for self-employed (21 to 70 years) compared to salaried applicants (21 to 60 years). The bank reviews the latest two years of ITR and bank statements to assess income stability.
Can a college student apply for this card?
Students without a regular income source are not eligible directly. The minimum income threshold of ₹20,000 a month effectively excludes most students. A student with a part-time job earning ₹20,000 or above can apply, otherwise the option is to take an add-on card on a parent's primary card.
Do I need to be an SBI Bank account holder to apply?
No, you do not need an existing SBI Bank account to apply for this card. Both new-to-SBI Card customers and existing SBI Bank account holders can apply through the SBI Card website or app.
Is there an add-on card option?
Yes, SBI Card offers add-on cards for immediate family members on the Simply Click Credit Card. Add-on cards share the credit limit and earn reward points on the same rules, but the welcome benefit and milestone vouchers are restricted to the primary cardholder.
What documents are required during the application?
You need a PAN card, Aadhaar card, latest 3 months of salary slips (or 2 years of ITR for self-employed), and 6 months of bank statements showing salary or business credits. Have soft copies ready before starting the application.
All Card Benefits
- 10X reward points on online spends with partners like Amazon, BookMyShow, Cleartrip, Swiggy, Myntra, etc
- 5X reward points on all other online spends
- Monthly cap of 10,000 reward points on accelerated (10X & 5X) earnings; post cap earn rate reduces to 1 point per ₹100
- Earn 1 reward point per ₹100 on other spends
- ₹2,000 e-vouchers on annual online spend milestones of ₹1 lakh and ₹2 lakh
The SBI Simply Click Credit Card delivers value across four clear pillars: a strong welcome voucher, ti...
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The SBI Simply Click Credit Card delivers value across four clear pillars: a strong welcome voucher, ti...
The SBI Simply Click Credit Card delivers value across four clear pillars: a strong welcome voucher, tiered online reward earning, milestone bonuses on annual online spends, and a fuel surcharge waiver. Below is a breakdown of each so you can match the perks against your real usage pattern. Note that this card does not offer airport lounge access, dining benefits, movie offers, or insurance protection.
Welcome Benefits
The headline welcome benefit is a ₹500 Amazon e-Gift voucher credited to your Amazon Pay account on payment of the ₹499 annual fee. The voucher is issued within 21 days of fee payment and is valid for 12 months once added to your Amazon account.
Practical math: the welcome voucher fully covers the ₹499 joining fee, with ₹1 of net positive value before you swipe a single rupee. Combined with 10X reward points on Amazon spends, the welcome benefit creates a very strong year-one value proposition for Amazon shoppers.
Note that the ₹500 voucher is delivered as Amazon Pay balance and can be used across Amazon.in, partner platforms, and bill payments where Amazon Pay is accepted. The 12-month validity gives you ample time to redeem.
Reward Points Structure
The SBI Simply Click Credit Card uses a three-tier reward structure. The headline tier is 10X reward points on online spends with select partners including Amazon, BookMyShow, Cleartrip, Swiggy, Myntra, and others. At ₹0.25 per point, this works out to a 2.5% effective return on partner online spends.
The middle tier is 5X reward points on all other online spends, equivalent to 5 points per ₹100 or a 1.25% effective return. The base tier is 1 reward point per ₹100 on all offline retail spends, working out to 0.25%.
The combined accelerated tier (10X plus 5X) is capped at 10,000 reward points per calendar month. Once you hit this cap, additional online spends in the same month earn only the standard 1X rate (1 point per ₹100). To put the cap in context: 10,000 reward points equates to roughly ₹1 lakh of partner online spends (at 10X) or ₹2 lakh of other online spends (at 5X), so most regular users will not hit the cap.
Practical example: a Simply Click cardholder spending ₹10,000 a month on Amazon and Swiggy, plus ₹15,000 on other online sites, plus ₹5,000 offline, earns 1,000 RP on partner online (at 10X) + 750 RP on other online (at 5X) + 50 RP on offline (at 1X) = 1,800 reward points monthly. Over a year, that is 21,600 RP, worth ₹5,400 at standard catalogue redemption.
Excluded categories that earn zero reward points: rent payments, fuel, insurance, EMI transactions, cash withdrawals, jewellery, school and educational services, government-related transactions, wallet transactions, fees and GST charges, all reversals, gambling, tolls, security broker services, charity, railways, utility bill payments, balance transfers, and financial charges.
Milestone Rewards
Beyond the standard reward earning, the SBI Simply Click Credit Card offers two milestone bonuses tied to your annual online spending. You earn a ₹2,000 e-voucher when your online spends cross ₹1 lakh in a card anniversary year, and another ₹2,000 e-voucher when your online spends cross ₹2 lakh in the same period.
Practical example: a cardholder spending ₹17,000 a month on online platforms (₹2.04 lakh annually) unlocks both milestone vouchers, taking total milestone rewards to ₹4,000 a year. Combined with the welcome ₹500 voucher and ongoing reward points, the annual benefit value can comfortably cross ₹8,000 to ₹10,000 for an active online shopper.
Note that only online spends count towards these milestones. Offline retail spends, excluded categories, and EMI conversions do not contribute to the ₹1 lakh or ₹2 lakh thresholds.
Fuel Surcharge Waiver
The SBI Simply Click Credit Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol pumps across India, capped at ₹100 per statement cycle. The waiver applies to all major fuel station brands (HPCL, IOCL, BPCL, Reliance, Shell).
Practical example: if you spend ₹3,000 a month on fuel, the 1% surcharge of ₹30 is waived, saving you ₹360 over a year. Note that fuel transactions do not earn reward points on this card, so the waiver is the only fuel benefit.
View FAQ
Commonly Asked Questions
How do I claim the ₹500 Amazon welcome voucher?
The voucher is auto-issued within 21 days of paying the ₹499 annual fee. SBI Card sends the voucher code to your registered email and SMS, which you then add to your Amazon Pay balance through your Amazon account. The voucher reflects as Amazon Pay balance once added.
How long is the welcome voucher valid?
The ₹500 Amazon voucher is valid for 12 months from the date it is added to your Amazon Pay account. So plan to use it within a year of receiving the code, or it lapses with no carry-forward option.
Can I use the welcome voucher on partner platforms?
Yes, the voucher is delivered as Amazon Pay balance, which can be used on Amazon.in for shopping, on partner websites that accept Amazon Pay, and for bill payments through Amazon Pay. The flexibility makes the voucher one of the more usable welcome benefits in the entry-level credit card market.
What if I do not pay the annual fee on time?
The welcome voucher is triggered by the annual fee payment. Late payment of the fee may delay the voucher issuance, but it does not forfeit the benefit. Once the fee is paid in full, the 21-day issuance clock starts ticking.
How much is one reward point worth in rupees?
Each SBI reward point is worth ₹0.25 in standard catalogue redemption. So 4,000 reward points equal ₹1,000. The fixed conversion makes returns predictable, unlike cards with variable point values that range across categories.
Which partners earn 10X rewards?
The 10X partner list includes Amazon, BookMyShow, Cleartrip, Swiggy, Myntra, and several other online platforms. The exact partner list is updated by SBI Card periodically, so check the latest list on the SBI Card website or app before timing large online purchases.
What is the monthly cap on accelerated rewards?
The combined 10X plus 5X accelerated tier is capped at 10,000 reward points per calendar month. After hitting the cap, additional online spends in the same month earn only the standard 1X rate (1 point per ₹100). The cap resets at the start of each new statement month.
Do I earn points on offline spends?
Yes, offline retail spends earn 1 reward point per ₹100 on this card. At ₹0.25 per point, that is a 0.25% return on offline transactions. The accelerated 5X and 10X tiers apply only to online spends.
Are there milestone bonuses on this card?
Yes, the card offers ₹2,000 e-voucher on annual online spends of ₹1 lakh, plus another ₹2,000 e-voucher on annual online spends of ₹2 lakh. So total milestone rewards can reach ₹4,000 per year for heavy online shoppers, on top of the standard reward points.
Where can I redeem my reward points?
Reward points can be redeemed for flight and hotel bookings or items from the SBI Card product catalogue at sbicard.com/en/personal/rewards. Catalogue redemption ranges from gift vouchers to merchandise, with the per-point value at the standard ₹0.25.
Do reward points expire on this card?
SBI reward points have a validity period set by the bank's reward programme rules. Track your point balance on the SBI Card portal and redeem before any block of points expires. The bank notifies cardholders of upcoming point expiry through email and SMS.
What is the easiest way to maximise reward points on this card?
Concentrate online shopping on partner platforms (Amazon, BookMyShow, Cleartrip, Swiggy, Myntra) to maximise the 10X tier. Push annual online spending to ₹2 lakh to unlock both the ₹2,000 milestone vouchers, totalling ₹4,000. Avoid offline spends and excluded categories on this card.
How does the milestone reward work?
You earn a ₹2,000 e-voucher when your annual online spends cross ₹1 lakh, and another ₹2,000 e-voucher when online spends cross ₹2 lakh. The vouchers are auto-credited within 30 to 60 days of crossing each milestone and are issued as Cleartrip e-vouchers, valid for travel bookings.
Do offline spends count towards milestone thresholds?
No, only online spends count towards the ₹1 lakh and ₹2 lakh milestone thresholds. Offline retail spends and excluded categories do not contribute, even though they may earn standard reward points.
What are the milestone vouchers usable for?
The milestone e-vouchers are Cleartrip vouchers redeemable for flight or hotel bookings on cleartrip.com. The voucher validity is around 12 months from issuance, so plan a travel booking within the year to extract value.
Can I combine milestone vouchers with other Cleartrip offers?
The milestone vouchers can be applied at Cleartrip checkout as a payment method. Stacking with other Cleartrip promotional offers depends on the specific campaign terms, so check the Cleartrip offer page before completing the booking.
Do I earn reward points on fuel transactions?
No, fuel spends are excluded from reward earning on this card. You only get the 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle.
What is the maximum fuel waiver per month?
The fuel surcharge waiver is capped at ₹100 per statement cycle. So the benefit kicks in until your monthly fuel spending hits roughly ₹10,000, after which the waiver caps out and the surcharge starts applying on subsequent transactions.
What happens if my fuel transaction is below ₹500 or above ₹3,000?
Transactions outside the ₹500 to ₹3,000 band are not eligible for the fuel surcharge waiver. So break larger fuel fills into transactions within the eligible window where possible, and avoid small ₹100 to ₹400 transactions which lose the waiver.
Does the fuel waiver apply at all petrol pumps?
Yes, the 1% fuel surcharge waiver applies across all petrol pumps in India regardless of brand, as long as the transaction value is between ₹500 and ₹3,000. So it works at HPCL, IOCL, BPCL, Reliance, and Shell pumps.
Milestone Benefits
Voucher Benefit(Worth ~ ₹2,000)
Spend ₹1,00,000 in 365 days
Voucher Benefit(Worth ~ ₹2,000)
Spend ₹2,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
- Flight/Hotels
- Product Catalogue
To check redemption catalogue
Reward Points earned on the SBI Simply Click Credit Card are redeemed through the SBI Card rewards port...
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Reward Points earned on the SBI Simply Click Credit Card are redeemed through the SBI Card rewards port...
Reward Points earned on the SBI Simply Click Credit Card are redeemed through the SBI Card rewards portal at sbicard.com/en/personal/rewards. The redemption flow is fully digital and the per-point value is fixed at ₹0.25 across categories.
Step 1: Log in to the SBI Card portal using your card-linked credentials. Step 2: Navigate to the Rewards section and choose your category (flights and hotels, or product catalogue). Step 3: Select your item or amount, confirm with the OTP sent to your registered mobile, and the redemption is processed.
The most efficient redemption is the product catalogue, where each reward point converts at the full ₹0.25 value. Flight and hotel bookings through the SBI rewards portal also offer competitive value, with the per-point worth depending on the booking. Statement credit redemption is not directly offered as a primary category on this card.
Practical example: an active cardholder accumulating 20,000 reward points over a year extracts ₹5,000 in catalogue value. Combined with the ₹500 welcome voucher and up to ₹4,000 in milestone vouchers, the annual benefit value can comfortably reach ₹9,500 for a heavy online shopper.
Note that SBI Card charges a reward redemption handling fee of ₹99 plus GST per redemption request. So plan larger redemptions to amortise the fee, rather than multiple small redemptions.
View FAQ
Commonly Asked Questions
How do I redeem my reward points?
Log in to sbicard.com/en/personal/rewards using your card-linked credentials, navigate to the Rewards section, choose your category (flights and hotels, or product catalogue), select your redemption, confirm with OTP, and the redemption is processed within 3 to 7 working days for catalogue items.
What is the rupee value of one reward point?
One SBI reward point is worth ₹0.25 in standard catalogue redemption. So 4,000 points equal ₹1,000. The fixed conversion makes returns predictable across redemption categories.
Is there a fee for reward redemption?
Yes, SBI Card charges a reward redemption handling fee of ₹99 plus GST per redemption request. So a single redemption of 4,000 points (₹1,000) costs ₹117 in fees, while a redemption of 20,000 points (₹5,000) carries the same flat fee. Plan larger, less frequent redemptions to amortise the cost.
Can I redeem points for flights and hotels?
Yes, SBI Card supports flight and hotel booking redemption through its rewards portal. The per-point value depends on the booking value and partner, but is competitive with the standard ₹0.25 catalogue rate.
Is there a minimum point balance for redemption?
The minimum redemption threshold varies by category. Catalogue items start at around 200 points, while flight and hotel bookings have higher thresholds based on the booking value. Check the SBI Card rewards portal for current minimums by category.
Can I redeem points for cash?
SBI Card reward points cannot be directly redeemed for cash transfer to a bank account. The most efficient redemption is the product catalogue (gift vouchers, merchandise) or flight and hotel bookings, both at the standard ₹0.25 per point rate.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an SBI Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an SBI Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payments
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government-Related Transactions
Wallet Transactions
Fees & GST Charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payments
Fuel
Insurance
EMI Transactions
Cash Withdrawals
Jewellery
School & Educational Services
Government-Related Transactions
Wallet Transactions
Fees
GST Charges
All Reversals
Gambling
Tolls
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
The SBI Simply Click Credit Card has one of the longest exclusion lists in the entry-level rewards card...
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The SBI Simply Click Credit Card has one of the longest exclusion lists in the entry-level rewards card...
The SBI Simply Click Credit Card has one of the longest exclusion lists in the entry-level rewards card category. Several spending categories earn zero reward points and do not contribute towards the milestone bonuses or annual fee waiver. Understanding this list upfront helps you plan spends and avoid the disappointment of zero points on routine swipes.
The fully excluded categories on this card are: rent payments, fuel, insurance, EMI transactions, cash withdrawals, jewellery, school and educational services, government-related transactions, wallet transactions, fees and GST charges, all reversals, gambling, tolls, security broker services, charity, railways, utility bill payments, balance transfers, and financial charges.
Real-world impact: if your monthly spending is ₹30,000 and ₹10,000 of it goes to fuel, utilities, insurance, and rent, you lose out on the rewards those spends would have otherwise earned. More importantly, those spends do not contribute to the ₹1 lakh annual fee waiver target or the ₹1 lakh / ₹2 lakh online milestone targets.
What happens when a transaction falls under an excluded category? The transaction is processed normally, you get charged the regular billing amount, and you simply do not earn reward points on that amount. Some categories also attract additional convenience fees on most credit cards (rent payment, wallet loads), which is another reason to route them through UPI or direct net banking.
Beyond category exclusions, the combined accelerated tier (10X plus 5X) is capped at 10,000 reward points per calendar month. Online spends beyond this cap revert to the standard 1X rate (1 point per ₹100). To put the cap in perspective, hitting 10,000 RP in a month requires either ₹1 lakh of partner online spends at 10X or ₹2 lakh of other online spends at 5X, so most users will not hit the cap.
View FAQ
Commonly Asked Questions
Do I earn reward points on rent payments?
No, rent payments are excluded from reward earning on this card. Plus, this card charges a 1% rent payment convenience fee on rent transactions, so paying rent through this card costs you both lost points and an extra fee. Use UPI or auto-debit instead.
Are utility bills eligible for rewards?
No, utility bill payments (electricity, water, broadband, mobile postpaid) are excluded from reward earning on this card. Use UPI or direct auto-debit for utility bills since you save on convenience fees and do not lose any reward value.
Why are insurance payments excluded?
Insurance premiums are excluded because the bank earns lower interchange revenue on insurance MCC categories. The same logic applies to government payments, utility bills, and other low-margin categories where merchant pricing does not justify reward earnings.
Do EMI conversions earn reward points?
No, EMI conversions are excluded from reward earning on this card. The original purchase may have earned points at the time of swipe, but the bank reverses the points proportionally once the EMI conversion is processed.
Are railways and government payments excluded?
Yes, both railway bookings and government-related transactions are excluded from reward earning. So booking IRCTC train tickets or paying government fees through this card delivers zero reward value, although the transactions process normally.
Do excluded transactions count towards the milestone targets?
No, excluded category transactions do not count towards the ₹1 lakh or ₹2 lakh online milestone targets, and they do not contribute to the ₹1 lakh annual fee waiver target either. Only eligible online retail and dining spends count.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42% | 3.50% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A service fee of ₹250 applicable taxes is charged for payments made at SBI branches. No fee is applicable for payments made at KVB branches | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,000+ | ₹1,300 |
The SBI Simply Click Credit Card sits in the standard fee bracket for Indian entry-level rewards cards....
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The SBI Simply Click Credit Card sits in the standard fee bracket for Indian entry-level rewards cards....
The SBI Simply Click Credit Card sits in the standard fee bracket for Indian entry-level rewards cards. Most fees are typical for the segment, with a few specific to SBI Card's structure. Here is a fee-by-fee breakdown with practical rupee examples so you know exactly what to expect on your statement.
Joining Fee: The joining fee is ₹499 plus 18% GST (₹589 total), debited on the first statement after card issuance. The fee is fully offset by the ₹500 Amazon welcome voucher delivered within 21 days of fee payment, so the effective first-year cost is just ₹1 plus GST overhead.
Annual or Renewal Fee: The annual fee is ₹499 plus 18% GST (₹589 total), billed on each card anniversary. The fee is waived if you spend ₹1 lakh or more in the previous card year. Practical example: averaging ₹8,400 a month consistently across 12 months gets you to the ₹1 lakh threshold and triggers an automatic fee reversal in your renewal statement.
APR or Interest Rate: The APR is 3.85% per month (about 46% annualised) on rolled-over balances. Credit cards offer an interest-free period of 20 to 55 days, but missing your due date triggers interest from the original transaction date. Practical example: carrying an unpaid balance of ₹10,000 for one month accrues roughly ₹385 in interest. To avoid heavy interest, convert large purchases to EMIs (where standard rates are around 16% per annum) instead of paying just the minimum due. Failing to pay even the EMI on time can push the effective annual interest closer to 46%.
Late Payment Charges: Late payment fees follow the standard SBI Card slab structure. ₹0 for outstanding up to ₹500, ₹400 for ₹501 to ₹1,000, ₹750 for ₹1,001 to ₹10,000, ₹950 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000, and ₹1,300 for outstanding above ₹50,000. Practical example: missing the minimum due on an outstanding of ₹3,000 attracts a ₹750 late fee. Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date.
Foreign Transaction or Forex Markup Fee: The forex markup is 1.99% on every transaction made in a non-INR currency. This is among the lowest forex markups available in the Indian credit card market for an entry-level rewards card. Practical example: a USD 100 purchase abroad (roughly ₹8,300 at current INR rates) attracts a forex markup of ₹165 plus 18% GST on the markup, totalling roughly ₹195 in extra charges. Compare this to standard 3.50% forex cards where the same transaction would cost ₹343, a saving of ₹148 per ₹8,300 international spend.
ATM Cash Withdrawal Fee: ATM cash withdrawal on the credit card attracts a flat fee of ₹199 plus GST per transaction, regardless of the withdrawal amount. This is unusual compared to most cards that charge percentage-based fees. On top of this, interest at 3.85% per month starts accruing from the day of withdrawal, with no interest-free grace period. Practical example: withdrawing ₹10,000 in cash on the credit card costs ₹235 in cash advance fee (₹199 plus GST) plus ₹385 in monthly interest, so even one month of unpaid balance costs ₹620 on a ₹10,000 withdrawal. The flat fee structure works in your favour for larger withdrawals (a ₹50,000 withdrawal still costs ₹235 in upfront fee, vs ₹1,250 on a 2.50% percentage card), but cash withdrawal on credit cards remains expensive overall.
Rent Payment Convenience Fee: The card charges a 1% convenience fee on rent payment transactions, plus applicable GST and platform-side charges. Practical example: paying ₹30,000 in rent through this card costs ₹300 in convenience fee plus ₹54 GST, totalling ₹354 in extra charges. Combined with the fact that rent payments earn zero reward points, paying rent through this card delivers no value. Use UPI or direct net banking instead.
Railway Surcharge: Railway booking and cancellation charges on this card are levied as prescribed by IRCTC or Indian Railways. The standard IRCTC convenience fee for credit card payments is around ₹30 per booking. Note that railway transactions are also excluded from reward earning on this card.
Cash Payment Fee: Not applicable on this card. SBI Card does not levy a separate cash payment fee for bill payments at branches, though most users will use UPI, NEFT, or auto-debit since they are free and instant.
Cheque Payment Fee: Not applicable on this card. SBI Card does not charge a separate cheque payment fee for bill payments. Note that cheque payments take 2 to 3 working days to clear, so plan ahead of your due date.
Reward Redemption Fee: A reward redemption handling fee of ₹99 plus GST is charged per redemption request. Practical example: redeeming 4,000 reward points (₹1,000) costs ₹117 in fees, while redeeming 20,000 points (₹5,000) carries the same flat fee. Plan larger, less frequent redemptions to amortise this cost.
Below is a consolidated summary of all fees on the SBI Simply Click Credit Card. Amounts are exclusive of GST unless explicitly stated.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 (offset by ₹500 Amazon welcome voucher) |
| Annual Fee | ₹499 (waived on ₹1 lakh annual spend) |
| APR (Monthly Interest) | 3.85% per month |
| Late Payment Fee | ₹0 to ₹1,300 (slab based) |
| Forex Markup | 1.99% |
| ATM Cash Withdrawal Fee | ₹199 flat per transaction (plus GST) |
| Rent Payment Convenience Fee | 1% of transaction amount |
| Railway Surcharge | As prescribed by IRCTC or Indian Railways |
| Cash Payment Fee | Not Applicable |
| Cheque Payment Fee | Not Applicable |
| Reward Redemption Fee | ₹99 per redemption (plus GST) |
View FAQ
Commonly Asked Questions
What is the interest rate on the SBI Simply Click Credit Card?
The monthly interest rate is 3.85%, working out to approximately 46% annualised on rolled-over balances. This is on the higher side for entry-level cards. Pay your bill in full every month to avoid this charge.
How much is the late payment charge?
Late payment fees range from ₹0 (for outstanding up to ₹500) to ₹1,300 (for outstanding above ₹50,000), based on the slab of your unpaid amount. Late payment charges apply if the Minimum Amount Due is not paid by the due date.
What is the forex markup on this card?
The forex markup is 1.99% on all non-INR transactions, plus 18% GST on the markup itself. So a ₹10,000 international purchase attracts ₹199 in markup plus ₹36 in GST. This is among the lowest forex markups available on an entry-level rewards card in India.
Is there a rent payment fee on this card?
Yes, rent payment transactions attract a 1% convenience fee plus GST. Rent payments also earn zero reward points on this card. So paying rent through this card delivers no value beyond the convenience of payment. Use UPI or auto-debit instead.
Why is the ATM withdrawal fee a flat ₹199 instead of percentage-based?
SBI Card uses a flat ₹199 plus GST fee structure for cash advances, regardless of the withdrawal amount. This works in your favour for larger withdrawals (a ₹50,000 withdrawal still costs ₹235 vs ₹1,250 on percentage cards) but is expensive for small withdrawals. Cash withdrawal on credit cards should be avoided due to the additional 3.85% monthly interest from day one.
Why is there a ₹99 reward redemption fee?
The ₹99 plus GST fee applies per redemption request, regardless of the redemption value. So a ₹1,000 redemption costs the same ₹117 fee as a ₹5,000 redemption. Plan larger, less frequent redemptions to amortise this cost.
Are there any over-limit charges?
Yes, transactions that exceed your assigned credit limit attract over-limit fees. SBI Card charges 2.5% of the over-limit amount, subject to a minimum charge of ₹600. Track your available limit on the SBI Card mobile app to avoid this.
What happens if I pay only the minimum amount due?
Paying only the minimum amount due (5% of the outstanding) avoids the late payment fee, but interest at 3.85% per month starts accruing on your remaining balance from the original transaction date. So minimum payment is a short-term fix, not a long-term plan.
Can I get an EMI conversion on big-ticket purchases?
Yes, SBI Card offers EMI conversion on transactions of ₹2,500 and above, with tenures from 3 to 24 months. EMI interest rates start at around 16% per annum, significantly cheaper than the 46% APR on rolled-over balances. Note that EMI converted transactions do not earn reward points.
Are there any cash payment or cheque fees?
No, SBI Card does not charge separate cash payment or cheque payment fees for bill payments. However, most users will use UPI, NEFT, or auto-debit since they are free, instant, and avoid the 2 to 3 day clearing delay associated with cheques.
Is GST charged on credit card fees?
Yes, 18% GST is charged on all credit card fees and charges, including the joining fee, annual fee, late payment fee, forex markup, cash advance fee, and reward redemption fee. Factor this into your math when calculating the actual cost of any fee on your statement.
Documents Required
SBI Card requires a standard set of KYC and income proof documents during the SBI Simply Click Credit Card application. Keep digital copies ready before you start the application to make the process smooth.
Required documents for salaried applicants: PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements showing salary credits, and a passport-size photograph. Fresh hires can substitute their appointment letter for missing salary slips.
Required documents for self-employed applicants: PAN card, Aadhaar card, latest 2 years of ITR, latest 6 months of business bank statements, GST registration certificate (where applicable), and proof of business existence (like a partnership deed, Udyam certificate, or business registration document).
NRIs are not eligible for the standard SBI Simply Click Credit Card. Address proof can be the Aadhaar card itself, or alternative documents like a passport, voter ID, driving licence, or a recent utility bill (not older than 3 months).
View FAQ
Commonly Asked Questions
Is a PAN card mandatory for the SBI Simply Click Credit Card?
Yes, PAN card is mandatory for all Indian credit card applications since it is needed for KYC, credit bureau pulls, and tax reporting. Applications without PAN are not processed.
Can I apply without a salary slip?
Salaried applicants need to submit salary slips. Fresh hires without 3 months of salary slips can submit their appointment letter and recent bank statements showing salary credits as alternatives.
Do I need to submit a photograph during the application?
For online applications with Video KYC, the system captures your photograph during the KYC video call, so a separate photograph upload is not needed. Offline applications at branches require one passport-size photograph.
What address proof is accepted?
Aadhaar card is the most widely accepted address proof. Other accepted documents include passport, voter ID, driving licence, utility bills not older than 3 months, and registered rent agreements.
Can I use a digital Aadhaar for application?
Yes, SBI Card accepts digitally signed Aadhaar (e-Aadhaar) downloads from the UIDAI portal. The bank verifies the QR code on the digital Aadhaar during KYC, so a physical copy is not needed.
How long are the bank statement requirements?
SBI Card requires the latest 6 months of bank statements for salaried applicants, showing regular salary credits. Self-employed applicants need 6 months of business bank statements plus 2 years of ITR.
Credit Limit and What to Expect
SBI Card sets the credit limit on the Simply Click Credit Card individually for each applicant, based on income, credit bureau profile, existing obligations, and overall banking relationship. There is no fixed published number.
For a salaried applicant earning ₹20,000 to ₹35,000 a month, the starting credit limit sits between ₹30,000 and ₹80,000. Higher income brackets (₹50,000 plus monthly) often see opening limits between ₹1 lakh and ₹2.5 lakh. Self-employed applicants with strong ITR-backed income and good CIBIL scores fall into similar ranges.
SBI Card reviews card usage every 6 to 12 months and offers limit enhancements if the card has been used consistently with timely payments. Limit enhancement is also offered on request with supporting income proof (a recent salary hike or revised ITR).
View FAQ
Commonly Asked Questions
What is the starting credit limit on this card?
For a salaried applicant earning ₹20,000 to ₹35,000 a month, the typical opening credit limit ranges from ₹30,000 to ₹80,000. Limits scale upwards based on declared income, CIBIL score, and existing relationship with SBI Card or SBI Bank.
How can I increase my credit limit?
You can request a limit enhancement after 6 to 12 months of consistent card usage and timely payments. Submit your latest 3 months of salary slips or revised ITR through the SBI Card mobile app or net banking.
Will using the full credit limit hurt my credit score?
Using more than 30% of your credit limit consistently can lower your CIBIL score, even if you pay the bill in full. So if your limit is ₹50,000, try to keep your monthly statement balance under ₹15,000 to maintain a healthy credit utilisation ratio.
Can I get a temporary credit limit increase?
Yes, SBI Card offers temporary credit limit increases for short-term, large-ticket spends like booking electronics, planning a vacation, or making a high-value Amazon purchase. Request this through customer care or the SBI Card mobile app, valid for 30 to 90 days.
What is the cash withdrawal limit on this card?
The cash withdrawal limit is set at 20% to 40% of your total credit limit. So a ₹1 lakh limit allows cash withdrawals between ₹20,000 and ₹40,000, although ATM withdrawals carry a flat ₹199 fee plus 3.85% monthly interest, making them an expensive option.
How often does SBI Card review credit limits?
SBI Card conducts a portfolio review every 6 to 12 months and offers automatic limit enhancements to qualifying cardholders. Manual reviews can also be requested with updated income proof at any time after 6 months of card activity.
How to Apply?
Applying for the SBI Simply Click Credit Card is largely digital and most salaried applicants get a decision within 24 to 72 hours. Physical card delivery takes 7 to 10 working days from the approval date.
The fastest route is online. Visit the SBI Card website (sbicard.com), select the Simply Click Credit Card, and click Apply Now. Fill in your personal details (name, mobile, PAN, date of birth, employment type, monthly income, current city), upload soft copies of your KYC documents, and complete a Video KYC if you are not already an SBI Card or SBI Bank customer.
The offline route involves visiting an SBI Card or SBI Bank branch with physical document copies. This is sometimes preferred by applicants who want a relationship manager to walk through the application or for those who do not have all documents in digital form.
Once submitted, SBI Card runs a credit bureau pull, verifies your KYC, and either issues a digital approval or asks for additional documents. After approval, the physical card is shipped to your registered address along with a welcome kit and a separate PIN mailer.
Track your application status online using the SBI Card application status portal with your application reference number, registered mobile number, and date of birth.
View FAQ
Commonly Asked Questions
How do I apply for the SBI Simply Click Credit Card online?
Go to the SBI Card website, navigate to Credit Cards, select Simply Click, click Apply Now, fill the form with your details, upload your KYC documents, and complete Video KYC. The whole process takes 15 to 20 minutes if your documents are ready.
How long does it take to get the card after applying?
Approval is granted within 24 to 72 hours of a complete application. The physical card is delivered within 7 to 10 working days of approval, and the PIN arrives separately within another 3 to 5 working days.
Is Video KYC mandatory?
Video KYC is required for new-to-SBI Card customers. Existing SBI Bank account holders with completed KYC can skip Video KYC since the bank uses their existing records.
Can I track my application status online?
Yes, SBI Card provides an online application tracker on its credit card website. Enter your application reference number along with your registered mobile and date of birth to view real-time status updates.
What happens if my application is rejected?
If your application is declined, SBI Card notifies you by SMS or email. Common reasons include CIBIL score below 750, recent missed payments on existing loans, or insufficient income proof. You can reapply after 90 days once the underlying issue is resolved.
Will applying for this card affect my credit score?
The bank does a hard pull on your credit bureau report during application, which can dip your CIBIL score by 5 to 10 points temporarily. Once the card is active and you make timely payments for 3 to 6 months, your score recovers and benefits from the additional credit line.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1400 Rewards
Top Benefits
Get 10X Reward Points at Myntra, Tata Cliq
Apollo 24x7, BookMyShow, IGP, and on e-Gift Voucher purchases at the Gyftr portal, on online spends counted within the 10,000 reward points monthly cap across accelerated categories
Get 5X Reward Points on all other Online Spends
capped at 10,000 reward points per calendar month across accelerated categories, after which spends earn 1 reward point per ₹100
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