Cards · SBI Card

SBI SimplyCLICK Credit Card: rewards, caps and exclusions

The SBI SimplyCLICK Credit Card pays about 2.5% on Exclusive online partners (online), on the first ₹1,00,000 of spend a month, and 1.25% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 18 July 2026.

Visa, Mastercard, American Express₹499 a yearPaid in points

What it earns

≈2.5%Exclusive online partners (online)on the first ₹1,00,000 of spend a month

≈1.25%Everything else (online)on the first ₹2,00,000 of spend a month

≈0.25%Everything else (in store)no cap stated

≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value SBI Card documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Cash withdrawals and fees
Fuel
Wallet loads
Utility bills
Rent (since 1 April 2024)
Government payments (since 1 June 2024)
Gaming (since 1 December 2024)
EMI conversions

Milestones

In SBI Card's own words:

₹1,00,000 annual online spend → ₹2,000 voucher (Cleartrip/Yatra) → ₹2,000 voucher
₹2,00,000 annual online spend → additional ₹2,000 voucher → ₹2,000 voucher (additional)

Fees

Annual fee: ₹499, plus 18% GST
Joining fee: ₹499
Annual fee waived on ₹1,00,000 of spend in a card year
Foreign-currency markup: 3.5%

Welcome benefit: Amazon Pay Gift Card ₹500 on paying the joining fee.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 18 July 2026:

sbicard.com (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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