SBI SimplyCLICK Credit Card

Shopping rewards card that pays for itself

Annual fee₹499Waived on ₹1.0L spend

Rewards0.20%Assumes 1 Reward Point = Rs 0.20 via the SimplyCLICK Rewards Catalogue e-Gift Voucher path (issuer's stated primary redemption, T&C: 'Redeem your Credit Card Reward Points against e-Gift Vouchers from the SimplyCLICK Partners, in the Rewards Catalogue'); derived first-hand from issuer catalogue item 'Amazon Pay eGift Card Rs 500 = 2500 points' (500/2500 = 0.20). SBI states no explicit per-point Rs value on its rewards/FAQ pages.

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹500

Amazon.in e-Gift Card worth ₹500 on payment of Annual Fee

Type: E-Gift-Card
Trigger: Fee-Payment
Partner: Amazon.in

Rewards

Base earn rate

Earn 1 Reward Point per ₹100 on all other spends

Category	Rate	Cap
Online-Exclusive-Partners	—	—
Online-Other	—	—

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Milestone Benefits E-Vouchers worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakhs respectively E-Voucher Brands: Cleartrip, Yatra Cleartrip Terms & Conditions

Fees & charges

Joining fee: ₹499 + taxes
Annual / renewal fee: ₹499 + taxes
Annual fee waiver: Annual Fee reversal on annual spends of 1 Lakh or more. Renewal Fee is reversed if annual spends for last year >= ₹1,00,000.
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹950
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

View official MITC →

Eligibility

Age: 18+ years

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Utility Bill Payment Facility - Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
Global Acceptance - Accepted at over 24 million outlets globally, including 3,25,000 in India
Cash Access - Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Online exclusive partners — 2% back

0% of spend100% of spend

Online other — 1% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.2% base rate.

Rewards / year

₹4,080

≈ 0.68% effective

Annual fee

₹0 (waived)

waived at ₹1,00,000/yr spend

Net steady-state return

+₹4,080/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹4,080 a year.

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One-time joining fee (year 1 only): ₹499

One-time welcome benefit: ~₹500 — One-time gift after paying the Rs.499 annual membership fee; account must be in good standing; Amazon voucher sent within 30 days; valid 12 months.

Based on published rates as of 2026-08-07; assumes 1 Reward Point = Rs 0.20 via the SimplyCLICK Rewards Catalogue e-Gift Voucher path (issuer's stated primary redemption, T&C: 'Redeem your Credit Card Reward Points against e-Gift Vouchers from the SimplyCLICK Partners, in the Rewards Catalogue'); derived first-hand from issuer catalogue item 'Amazon Pay eGift Card Rs 500 = 2500 points' (500/2500 = 0.20). SBI states no explicit per-point Rs value on its rewards/FAQ pages.. Rewards estimates, not guarantees.