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SBI

SBI SimplyCLICK Credit Card

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Annual Fee

₹499

Reward Type

Points

Forex

1%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹499
Annual Fee₹499

Rewards

Reward TypePoints
Base Rate1.25%
Point Value₹0.25/point

Category Multipliers

online1.25%partners2.5%

Redemption Values

vouchers₹0.25/pt

Travel & Global

Forex Markup1%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

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SBI Cashback Credit Card (97%) →BOB Eterna Credit Card (95%) →ICICI Amazon Pay Credit Card (95%) →IDFC First Classic Credit Card (94%) →IDFC First Millennia Credit Card (94%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹499 annual fee at the base reward rate of 1.25%, you need to spend ₹39,920 annually.

🎯 Pro Tips

  • ▸Earn 5% cashback on online shopping, capped at ₹500 per month.
  • ▸Get 1% cashback on all other spends.
  • ▸Use the card for fuel purchases to avail fuel surcharge waiver.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,251

Effective Rate

0.3%

Ranked #121 of 173 cards#121

₹499 annual fee deducted from gross rewards value.

🏷️ Best For

shoppingcashback