Annual fee₹499+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / Mastercard
You earn
Perks & rules
What changed
1 Dec 2024Online gaming stopped earning points
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate1 point per ₹100 (0.25%)
Higher rates
- 10 partner brands: 10X (2.5%) at Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Tata CLiQ and gift vouchers on GyFTR
- Other online: 5X (1.25%) on other online spends
Limits
- 5X: up to 10,000 points a calendar month, then 1 point per ₹100
Doesn't earn on
- Wallet loads, cash, balance transfer, Flexipay, offline fuel
- Rent
- Government
- Online gaming
- Utility bills paid on SBI Card website/app don't get 5X
- Cleartrip and Yatra via affiliate links don't get 10X
Where it landsNot stated in the documents read
What a point is worth
Value4 points = ₹1
Expiry24 months, then forfeited
Redemption fee₹99 on statement credit, physical products and physically sent vouchers
Welcome benefit
Welcome₹500 Amazon e-gift card on paying the annual fee
Milestones
Milestones
- ₹2,000 Cleartrip/Yatra e-voucher at ₹1 lakh and again at ₹2 lakh yearly online spend
Airport lounges
DomesticNone
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹500–₹3,000, up to ₹100 a statement cycle
Spending abroad
Forex markup3.5%
Fees
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverFee reversed on ₹1 lakh yearly spend
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100); +₹100 if minimum due missed twice in a row
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
AgeNot stated on product page
SalariedNot stated on product page
Self-employedNot stated on product page
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- SimplyCLICK SBI Card product page Product page · 2 Oct 2026
- SimplyCLICK Reward Points T&C Card T&C · 20 Mar 2026
- SBI Card Most Important Terms & Conditions Fee schedule · 2 Oct 2026
Card image: SBI Card's own website.
