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SBI SimplyCLICK
SBI • Visa

SBI SimplyCLICK

10x Rewards on Partners (Amazon/Cleartrip/etc)

Reviewed by CardWise Editorial Team
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹499Waived on 1L spend
Base Reward0.3%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹725Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹900

Assumes base reward rate only.

Annual feeWaived

Waived on 1L spend

Net value₹900

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Online
2.5%
Basedefault
0.3%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • SBI SimplyCLICK is best positioned as a shopping + online specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.5% on online-aligned lanes, while broad base return remains closer to 0.3%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and online spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver threshold₹1,00,000
  • Cap typemixed
  • Cap resetstatement-cycle
  • Last verified2026-02-13

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemption₹2,000
  • Expiry policyReward points are valid for 24 months from accrual under SBI Card Shop & Smile terms.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limit0
  • Airport-terminal rows0
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports8
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: OnlineHigher product tier within same bank+42 more lounge visits in current dataset
View Details
Step 2

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: Shopping, OnlineHigher top earn rate (7.5%)Estimated +₹8,989/yr value
View Details
Step 3

Flipkart SBI Card

Annual fee: ₹500

Shared focus: Shopping, OnlineHigher top earn rate (5.0%)Estimated +₹7,099/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI SimplyCLICK using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on 1L spend

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Top boost: ApolloExclusion risk: medium (56/100)Best redemption: Statement Balance/Cashback (Cashback)Value band: ₹0.20-₹0.35/ptNearest offer expiry: 2026-02-19Forex fee: 3.50%Domains with data: 5

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: medium (56/100)
Fresh• 1h old
Category / MerchantRewardBucket
Apollo
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
BookMyShow
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Cleartrip
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Domino's
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Myntra
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Netmeds
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Swiggy
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
Yatra
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹100 spent
More
EMI
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Fuel
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Government
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Jewellery
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Rent
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Utilities
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Wallets
Base: 1 Reward Point (RP) per ₹100 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero

Live Offers

Expiring offers are prioritized first, with details and terms.

Fresh• 1h old

MI.COM

Rs.1000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

MI.COM

Rs.1000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

MI.COM

Rs.2000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

AJIO.COM

Additional 8% discount

trendingCode: ALXADNETO
  • Additional 8% discount on Ajio Luxe
  • Minimum spend of Rs.10000
Terms
  • For detailed understanding and learn about the brands part of this offer please click Brand List
  • The offer can be used multiple times by a single user
  • Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
  • Valid on Visa Card

AJIO.COM

Flat 4% off

trendingCode: AJIO4
  • Flat 4% off on Ajio
Terms
  • This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
  • The holder of this GV/GC is deemed the beneficiary.
  • This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
  • Expired GV/GCs cannot be revalidated.

ARROW

Extra 10% off

trendingCode: VISAR
  • Buy for Rs.2499 and get extra 10% off
Terms
  • Applicable once per user
  • Valid on Visa Card

ABHIBUS

Get 15% off

just launched

ABHIBUS

Get 5% Instant Discount

just launched

AGODA

Get up to 10% off

just launched

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Best path: Statement Balance/CashbackBand: ₹0.20-₹0.35/pt

Statement Balance/Cashback

Cashback

Ratio: Points transfer ratio 1:1₹0.20-₹0.35/pt
  • Redemption against Cash can be made by writing at sbicard.com/email or by calling at the bank's helpline.
  • 4 Reward Points = ₹1.

Milestones

Spend thresholds and rewards grouped by period.

Fresh• 1h old

Milestone ROI Calculator

Estimate incremental value unlocked at the current spend model.

Modeled annual spend: ₹4,80,000Incremental unlocked value: ₹7,500Top listed threshold reached

Activate your card

AnnualEst. unlock: ₹500
  • Get Amazon.in gift card worth Rs.500.

Spend ₹1L per statement year

AnnualSpend ₹1,00,000Est. unlock: ₹5,500ROI: 5.50%Unlocked
  • The renewal fee will be waived.
  • Reliance Retail voucher worth ₹5500.

Spend ₹2L per statement year

AnnualSpend ₹2,00,000Est. unlock: ₹2,000ROI: 1.00%Unlocked
  • E-Vouchers worth Rs. 2,000.

Benefits

Reusable perks and value-add benefits extracted from validated rows.

No validated benefits are available for this card in the latest ingest.

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old
ChargeValue
Joining Fee₹499
Renewal Fee₹499
Forex Fee3.5%
Annual Percentage Rate45%
Add-on Card Fee₹0
Reward Redemption Fee₹99 per redemption request.
DCC3.5%

Key Benefits

  • 10X Reward Points on Online Spends with Partners given
  • 5X Reward Points on all other Online Spends
  • Rs.500 Gift Voucher as Welcome Gift
  • Fuel Surcharge Waiver

Things to Consider

  • Base rate is low
  • Devalued recently

About SBI SimplyCLICK

SBI SimplyCLICK is a points card from SBI, best for online shopping beginners. It is tagged under shopping, online categories in our database.

ShoppingOnline

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Frequently asked questions

Is SBI SimplyCLICK lifetime free?

It has an annual fee of ₹499. Waived on 1L spend

What rewards does SBI SimplyCLICK offer?

10x Rewards on Partners (Amazon/Cleartrip/etc)

Does SBI SimplyCLICK include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider SBI SimplyCLICK?

Online Shopping Beginners

Where can I apply for SBI SimplyCLICK?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-13
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.