✅ Annual fee ₹499 + taxes, reversed for the following year when you spend ₹1 lakh or more in a year
✅ Welcome e-gift voucher worth ₹500 on payment of the joining fee, as published by SBI Card
✅ 10X reward points on online spends at the partner sites SBI Card lists (travel, movies, pharmacy, eyewear and more)
✅ 5X reward points on all other online spends; 1 point per ₹100 on everything else
✅ E-vouchers worth ₹2,000 on ₹1 lakh and again on ₹2 lakh of annual online spends
✅ 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000; contactless, Visa or Mastercard
Why do we recommend the SimplyCLICK SBI Card?
SBI Card is the second-largest card issuer in India and SimplyCLICK is its entry-level card for people who do most of their spending online. The idea is simple: instead of spreading small rewards everywhere, it concentrates them where a typical urban household already spends, that is on shopping, travel, movie and pharmacy websites.
The reward structure has three tiers. On the partner sites that SBI Card lists on the product page (the list changes from time to time, so check it before applying) you earn 10 reward points per ₹100; on any other online purchase, 5 points per ₹100; and on offline purchases, 1 point per ₹100. Four reward points are worth about ₹1 when redeemed, so the 10X tier works out to roughly 2.5% back and the 5X tier to about 1.25%.
The fee is easy to recover. The ₹499 + taxes annual fee is reversed for the next year once your annual spends cross ₹1 lakh, which is about ₹8,400 a month. On top of that, SBI Card gives a ₹500 e-gift voucher when you pay the joining fee and ₹2,000 e-vouchers when your online spends in a card year reach ₹1 lakh and ₹2 lakh. For a regular online shopper the card effectively pays for itself in the first months.
Day-to-day management happens in the SBI Card app: you can convert large purchases into EMIs, set spending limits, switch international and online usage on or off, block the card instantly and redeem points. The card is contactless and available on Visa and Mastercard.
Author’s opinion
This is a good first rewards card for someone whose monthly online spend sits between ₹8,000 and ₹20,000 and who pays the full bill every month. A quick example: ₹6,000 a month on partner sites and ₹6,000 on other online purchases earn about 600 + 300 = 900 points, roughly ₹225 a month or ₹2,700 a year, plus the ₹2,000 milestone voucher and the fee reversal at ₹1 lakh. That is a solid return on a ₹499 card.
The other side of the ledger matters more. SBI Card’s published finance charge is around 3.75% per month, about 45% a year*, and it applies from the purchase date the moment you carry any balance. On a ₹15,000 unpaid statement that is roughly ₹560 of interest per month plus 18% GST, so two months of revolving would erase a full year of rewards. Points also expire after a period, so redeem them regularly.
If most of your spending is offline (groceries, fuel, rent), this card adds little; a cashback card or a lifetime-free card would serve you better. And if you have no credit history yet, an FD-backed secured card is the more realistic first step.
Click and learn everything about the SimplyCLICK SBI Card!
Who can apply, which documents you need, what it costs and how the application works: it is all on the next page. Tap the button below.
