Credit Cards · Honest Review

SBI Card SimplyCLICK

SBI Card · Visa

₹499Annual fee
0.25%Base rate
3.5%Forex markup
₹20KMin income/mo
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Your Verdict

SBI Card SimplyCLICK
SBI Card · Visa
  • ✓10X points on Amazon, Cleartrip, Swiggy, Lenskart, Netmeds
  • ✓5X points on all other online spends
  • ✓?500 Amazon gift card as welcome benefit
  • ✓1% fuel surcharge waiver
  • ✓Fee waived on ?1L annual spend
₹499/yrAnnual fee
₹499
Annual fee
0.25%
Base reward rate
None
Lounge access
700+
CIBIL score
Our verdict
SBI SimplyCLICK is the go-to credit card for online shoppers who buy frequently on Amazon and Swiggy � 10X points on select partners and a ?1L spend waiver make it a smart low-fee choice.
Fees & charges

What SBI Card SimplyCLICK costs you

SBI Card SimplyCLICK carries a ₹499 annual fee and a ₹499 one-time joining fee. The annual fee is waivable: Spend ?1L in a year.

FeeAmount
Annual fee (year 2+)₹499
Joining fee (one-time)₹499
Fee waiver conditionSpend ?1L in a year
Spend required for waiver₹1,00,000 / year
Foreign transaction fee (forex markup)3.5% per transaction
Rewards & cashback

What you earn on every rupee spent

SBI Card SimplyCLICK earns 0.25% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)0.25%
🛒 Online Shopping2.5%
2.5%
Online Shopping
Welcome bonus

?500 Amazon gift card on joining

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on SBI Card SimplyCLICK are meaningful for frequent users. Here is what you get with the card.

🛫
No lounge access
This card does not include airport lounge access.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for SBI Card SimplyCLICK

SBI Card SimplyCLICK requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.

₹20,000
Min monthly income
700+
CIBIL score
21–65
Age (years)
RequirementDetail
Minimum monthly income₹20,000
CIBIL score700+ (good to excellent)
Age range21–65 years
Employment typeSalaried, Self-employed
Typical approval time7�10 working days
Verdict

Who should (and shouldn't) get SBI Card SimplyCLICK

✅ Best for
  • → Heavy spenders on online shopping who want 2.5% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
  • → International travelers — the 3.5% forex markup adds up quickly
Frequently asked questions

SBI Card SimplyCLICK — Questions answered

What is the annual fee for SBI Card SimplyCLICK?
The annual fee is ₹499 from year 2 onwards, with a one-time joining fee of ₹499. The fee is waivable: Spend ?1L in a year.
What is the minimum income required for SBI Card SimplyCLICK?
Salaried applicants need a minimum net monthly income of ₹20,000 and a CIBIL score of at least 700. Self-employed applicants typically need equivalent annual income proof.
What is the reward rate on SBI Card SimplyCLICK for online shopping?
SBI Card SimplyCLICK earns 2.5% on online shopping with no monthly cap. On all other spends, the base reward rate is 0.25%.
Does SBI Card SimplyCLICK provide airport lounge access?
SBI Card SimplyCLICK does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on SBI Card SimplyCLICK?
The annual fee on SBI Card SimplyCLICK is automatically waived when you meet the spend threshold: Spend ?1L in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get SBI Card SimplyCLICK approved?
Most applications for SBI Card SimplyCLICK are processed within 7�10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.