SimplyCLICK SBI Card

SBI Card · Open to apply

An online-shopping card: 10 points per ₹100 at eleven partner brands, 5 points per ₹100 on all other online spends up to 10,000 points a month, and 1 point per ₹100 elsewhere. Points are worth 4 to the rupee (₹0.25 each).

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
1 point per ₹100 on everything else: 1 SBI Card Reward Points per ₹100 (about 0.25% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 20 Oct 2026

Main earn rates

  • 10X points at Apollo 24|7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds and Yatra: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
  • 10X points at IGP: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
  • 10X points at Swiggy and GyFTR: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
  • 10X points at Tata CLiQ: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
  • 5X points on online spends outside the partner brands: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)

Earns nothing on

  • No points at petrol pumps (MCCs 5172, 5541, 5542, 5983)
  • No points on wallet loads (MCCs 6540, 6541)
  • No points on rent (MCC 6513)
  • No points on government-related transactions (MCCs 9399, 9311)
  • No points on digital gaming platforms (MCCs 5816, 7993, 7994)
  • No points on cash advances and ATM withdrawals
  • No points on Flexipay and Merchant EMI

Where the sources disagree

  • Statement credit: The T&C says "You can not pay your card outstanding with Reward Points" and that points cannot be exchanged for cash or credit. A 29 Mar 2026 notice sets statement-credit rules (multiples of 4,000 points, 60,000 a month) for all eligible cards without naming SimplyCLICK as an exception. Both are SBI Card's own documents. Not resolved; both routes are valued at ₹0.25 a point, so the card's value does not change either way.
  • Cap on 10X partner points: A 2021 SimplyCLICK T&C booklet still hosted on sbicard.com capped 10X partner points and 5X online points at 10,000 points a calendar month each (from 1 Oct 2020) and added a 10,000-point monthly cap on all partner points. The current T&C (Jul 2026) caps only the 5X rate, and the Shop & Smile T&C (Sep 2026) says "No Capping on exclusive partners". We use the current documents; when the partner cap was lifted was not found.
  • Fuel surcharge waiver cap period: The T&C says a maximum of ₹100 "per month"; the product page says ₹100 per statement cycle, per card account.

Terms the calculator does not value

  • 10X points on a partner brand depend on the merchant IDs the brand has supplied to SBI Card; until it supplies a correct list, points on those transactions do not accrue. Cleartrip and Yatra affiliate-channel purchases earn no 10X.
  • Online versus offline depends on the flag the acquirer sends, and SBI Card identifies eligible spends "on a best effort basis".
  • Utility bills paid on SBI Card's own website or app earn no 5X. The calculator cannot tell where a bill is paid, so it gives online utility spend the 5X rate.
  • The ₹2,000 milestone vouchers count annual online spends only; the calculator counts all spend toward them.

Sources

Compare this card · Find the best card for your spending