What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards. Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.

Can I use my card internationally?

Yes, you can use your SimplyCLICK SBI CARD at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can use your card to make payments at any outlet that accepts Visa / Master Card. You can withdraw cash from over 1 million Visa or MasterCard ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch.

Credit Cards

State Bank of IndiaVISA

SBI SimplyCLICK Credit Card

ShoppingEntryVisaMastercard

SBI SimplyCLICK Credit Card

Shopping rewards card that pays for itself

Annual fee₹499Waived on ₹1.0L spend

Rewards1.00%1 Reward Point per ₹100

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

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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

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	Nil
₹100 – ₹500	₹100
₹500 – ₹1,000	₹500
₹1,000 – ₹10,000	₹750
₹10,000 – ₹25,000	₹950
₹25,000 – ₹50,000	₹1,100
Above ₹50,000	₹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.