SimplyCLICK Advantage SBI Card
SBI Card · Open to apply
SimplyCLICK issued against an SBI fixed deposit: 10 points per ₹100 at eleven partner brands online, 5 points per ₹100 on other online spends up to 10,000 points a month, and 1 point per ₹100 elsewhere, at ₹0.25 a point.
- 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 6 Nov 2026
Main earn rates
- 10X points online 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 online at IGP: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
- 10X points online at Swiggy and GyFTR: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
- 10X points online 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 on offline fuel (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, balance transfers and Encash
- No points on Flexipay and other EMI conversions
Where the sources disagree
- Statement credit: The booklet says "You can not pay your card outstanding with Reward Points"; the 29 Mar 2026 notice and the Shop & Smile T&C set statement-credit rules for all eligible cards without naming this card as an exception. Both routes are valued at ₹0.25 a point.
Terms the calculator does not value
- 10X partner points depend on the merchant IDs each brand supplies to SBI Card, and online versus offline on the acquirer's flag; Cleartrip and Yatra affiliate-channel purchases earn no 10X.
- Utility bills paid on SBI Card's own website or app earn no 5X; the calculator gives online utility spend the 5X rate.
- The ₹2,000 milestone vouchers count annual online spends only; the calculator counts all spend.
Sources
- SimplyCLICK Advantage SBI Card Terms and Conditions booklet (PDF modified 19 Mar 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (accrual caps by card, exclusions, redemption) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (29 Mar 2026 statement-credit redemption notices) (Bank notice, the bank's own, read 6 Nov 2026)
- SimplyCLICK SBI Card Terms and Conditions (partner table with names) and product-page data file (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Who We Are page (news item "Advantage SBI Card on SBI YONO", Sep 2026) (Press release, the bank's own, read 6 Nov 2026)
- Business Today, SBI Card launches fixed deposit backed secured credit cards on YONO (24 Sep 2026) (News, read 6 Nov 2026)
- The Economic Times, "FD-backed SBI credit card: Advantage SBI Card launched" (24 Sep 2026; copy on SBI Card's Who We Are news list) (News, read 6 Nov 2026)