SBI Card SimplyCLICK SBI Card credit card
SBI CardVisaEntry-level

SimplyCLICK SBI Card credit card

Entry-level online shopping card with 10X on Amazon, BookMyShow, Cleartrip, Apollo and more.

46
Personal score46/100● Good fit
Recurring net savings₹6,394/yrafter fee, GST and caps · bills paid in full
First-year value₹6,255incl. ₹450 welcome, ₹589 joining fee
Effective savings rate2.0%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: SBI Card – SimplyCLICK · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹1,575/yr5X on all other online spends
₹3,600/yr2 milestones unlocked
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹6,394/yr · 2.0%
5X on all other online spendson ₹1,26,000₹1,575
10X on Amazon, BookMyShow, Cleartrip, Apollo…on ₹25,200₹630
Base rate 0.25% on other spendson ₹91,440₹229
Excluded categories (no rewards)on ₹84,000₹0
₹2,000 Cleartrip/Yatra voucher at ₹1Lmilestone₹1,800
Another ₹2,000 voucher at ₹2Lmilestone₹1,800
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹6,394/yr is calculated
SimplyCLICK SBI Card
+ Reward value on your spendat ₹0.25/SBI Reward Points realistic value
₹2,434
+ Milestone bonuses you reach2 of 2 achieved
₹3,600
+ Fuel surcharge waiver1% up to ₹100/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹1,00,000 spend
₹0
= Recurring net savings
₹6,394/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
2.0%

How the score of 46 is built

weights total 100% · methodology
Net savings rate40/100 × 55%21.8
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. Policy changeSBI Card

    SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month

    Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.

    Cards: SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Card ELITE, SBI Card PULSE, SBI Card MILES ELITE, Air India SBI Signature, AURUM +4 more · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated2.5% 10X on Amazon, BookMyShow,…1.25% 5X on all other online…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹499
🎁 Welcome (year 1)≈ ₹450₹500 Amazon voucher on fee payment
🏁 Milestones₹1,800 @ ₹1,00,000/year₹1,800 @ ₹2,00,000/year
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/SBI Reward Points ★★★☆☆1 RP = ₹0.25 on vouchers and statement credit.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹2L+/yr; easy approval

At a glance

  • Easy first card
  • Milestone travel vouchers
  • Fee waived at ₹1L
  • Points worth only ₹0.25
  • Offline spends earn 0.25%
  • No lounges

Compare SimplyCLICK SBI Card with

Community Q&A on the SimplyCLICK SBI Card

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the SimplyCLICK SBI Card?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the SimplyCLICK SBI Card give airport lounge access?

No lounge access. None.

How much can I save with the SimplyCLICK SBI Card?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,394 a year, an effective savings rate of 2.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the SimplyCLICK SBI Card's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10X on Amazon, BookMyShow, Cleartrip, Apollo 24/7, Lenskart, Netmeds, Yatra: capped at ₹2,500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: SimplyCLICK SBI Card lounge access by airport · all SBI Card cards · change log.