Mastercard, Visa 📡 Contactless NFC

SBI SimplyCLICK Credit Card

Joining Fee₹499

Annual Fee₹499

Forex Markup 3.5%

Apply & Earn ₹500 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Online shoppers wanting 10X reward points on partner apps (Cleartrip, Myntra, Lenskart), 5X on general online shopping, domestic lounge visits, and an easy ₹1 Lakh spend waiver.

Who Should Avoid

Offline-heavy spenders or individuals seeking direct cashback.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹500 directly upon successful card approval.

Claim ₹500 & Apply →

🎉

Joining & Activation Welcome Gift

Amazon e-Gift Voucher worth ₹500 upon payment of joining fee and realization

10X Reward Points on Partner Online Brands

10X Reward Points (2.5% return) on online spends with exclusive partners (Cleartrip, Lenskart, Myntra, BookMyShow, Zomato, Apollo 24x7).

5X Reward Points on All Other Online Spends

5X Reward Points (1.25% return) on all other online retail shopping transactions.

Low Spend-Based Fee Waiver

Annual renewal fee of ₹499 is waived off on spending ₹1,00,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

1 Reward Point per ₹100 spent on regular retail purchases (0.25% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10X Reward Points per ₹100 (2.50% return; 1 RP = ₹0.25) on partner merchants (Cleartrip, Lenskart, Myntra, BookMyShow, Zomato, Apollo 24x7); 5X Reward Points on all other online spends (capped at 10,000 points/month combined)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit (1 RP = ₹0.25), SBI Rewards Catalog Vouchers & Flight Bookings

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹100,000/yr

Annual renewal fee of ₹499 + GST is waived off on spending ₹1,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹20,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI SimplyCLICK Credit Card

Annual Fee: ₹499/yr (Waivable)

Apply & Claim ₹500 →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, SBI SimplyCLICK Credit Card has a joining fee of ₹499 and an annual renewal fee of ₹499 (plus applicable taxes).

SBI SimplyCLICK Credit Card ₹499/yr