SBI SimplyClick card
🇮🇳 India · SBI Card

SBI SimplyClick

First card for online buyers, low entry fee

4.4 / 5
Joining fee
₹499
Annual fee
₹499
Top reward
2.5%
Min income
₹3,00,000

External link to SBI Card’s own application page.

The SBI SimplyClick costs ₹499 a year, waived at ₹1,00,000 annual spend. It earns 2.5% on shopping and 0.25% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much SBI SimplyClick actually pays you over time, net of annual fees.

₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹6,900
Annual fee₹0 (waived ✓)
Welcome bonus (year 1 only)+₹500
Cumulative net value
+₹35,000
over 5 years
Year 1
₹7,400
+₹7,400/yr
Year 2
₹14,300
+₹6,900/yr
Year 3
₹21,200
+₹6,900/yr
Year 4
₹28,100
+₹6,900/yr
Year 5
₹35,000
+₹6,900/yr
Year 1 (with bonus)
₹7,400
Year 2+ (steady state)
₹6,900/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the SBI SimplyClick earn?

What you earn back, by category.

shopping
2.5%
📈
Everything else
0.25%
📈
🎁
Welcome bonus

Amazon e-gift voucher worth ₹500

What do you get with the SBI SimplyClick?

  • 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
  • 5x rewards on all other online spend
  • ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
  • 1% fuel surcharge waiver on ₹500–₹3,000 transactions

Who qualifies for the SBI SimplyClick?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹3,00,000
Min credit score
700+
Self-employed
Eligible

What people say about the SBI SimplyClick

Real answers from readers. No login, and nothing here affects our scores.

SBI SimplyClick FAQ

›What is the SBI SimplyClick annual fee?

The annual fee is ₹499. It is waived if you spend ₹1,00,000 in a year.

›What does the SBI SimplyClick earn?

It earns 2.5% on shopping and 0.25% on everything else.

›What is the SBI SimplyClick forex markup?

The SBI SimplyClick charges 3.5% forex markup on foreign-currency spends.

›What income do you need for the SBI SimplyClick?

The stated minimum income is ₹3,00,000 a year. Banks treat this as a guideline, not a hard cutoff.

›What is the SBI SimplyClick welcome bonus?

Amazon e-gift voucher worth ₹500.

›Are these SBI SimplyClick figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.