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SBI Card SimplyCLICK Advantage
81/100 · ₹499/yr
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SBI Card SimplyCLICK Advantage
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SBI Card SimplyCLICK Advantage

by SBI Card · Data verified 2 days ago

Enhanced SimplyCLICK with more partner benefits

81
Score
Based on rewards, fees, benefits & eligibility
₹499
Fee
Waiver available on spending
10
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
10 RP Earn
base reward rate
No Lounges
complimentary
₹499/yr
waiver available
81/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹499
Net Annual Value

You save per year!

What's Great

  • 10X Reward Points (2.5% return) on exclusive online partners: Swiggy, BookMyShow, Myntra, Cleartrip, Apollo 24|7, Dominos, Netmeds, Yatra
  • 5X Reward Points (1.25% return) on all other online spends
  • ₹500 Amazon gift card welcome voucher on payment of joining fee
  • Cleartrip / Yatra gift voucher worth ₹2,000 each on reaching ₹1 Lakh and ₹2 Lakh annual online spends
  • Annual fee of ₹499 reversed on annual retail spends of ₹1,00,000 or more
  • Backed by SBI fixed deposit (FD) — ideal for credit building with no income proof required

Things to Consider

  • No complimentary domestic or international airport lounge access
  • Requires a fixed deposit (FD) lien with State Bank of India as security
  • Modest 1 reward point per ₹100 on offline/other spends (0.25% value back)

Perfect For

Heavy online shoppers Partner brand users

About This Card

Enhanced SimplyCLICK with more partner benefits
Annual Fee
₹499
Waiver
Spend \u20b91,00,000 in a year
Joining Fee
₹499

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹100/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹100
₹500.01-₹1,000
₹500
₹1,000.01-₹10,000
₹750
₹10,000.01-₹25,000
₹950
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
10
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Amazon Pay Gift Card worth Rs.500 on payment of first year annual membership fee

Milestone Rewards

Annual fee waiver on annual spends of ₹1,00,000
Cleartrip / Yatra e-gift voucher worth ₹2,000 on reaching ₹1,00,000 annual online spends
Additional Cleartrip / Yatra e-gift voucher worth ₹2,000 on reaching ₹2,00,000 annual online spends

Reward Earning by Category

Category Reward Rate Details
Point Value: 1 point = ₹0.25 | Redemption Fee: ₹99 + GST per request

Fuel Savings

₹100/mo

Lost Card Cover

₹0

Movies

  • •10X Reward Points on BookMyShow

Dining

  • •Earn reward points/cashback on dining transactions

Shopping

  • •10X on Amazon
  • •10X on partners

Travel

  • •1% fuel surcharge waiver
  • •International usage enabled

Partner Benefits

  • •10X Reward Points on exclusive online partners: Apollo 24|7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, Yatra
  • •5X Reward Points on all other online spends
  • •1 Reward Point per ₹100 on all other retail transactions (1 RP = ₹0.25)

Special Offers & Features

  • •10X reward points on partner online platforms
  • •5X reward points on all other online spends
  • •Amazon, BookMyShow, Cleartrip as partners
  • •1% fuel surcharge waiver

EMI Options

  • •Flexipay EMI on purchases above Rs.2,500
  • •Tenure: 6, 9, 12, 18, 24 months
  • •Interest rate: 13-24% p.a.
  • •No-cost EMI at select online and retail partners

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic

Mobile Wallet Support

Google Pay Apple Pay Samsung Pay
81 out of 100

CardSahayak Score

"Apply Now" takes you to SBI Card's official website.

Eligibility

Salaried ₹30,000/mo
Self-Employed ₹40,000/mo
Age 21-70 yrs
CIBIL 720+
Employment Salaried, Self-Employed
Card Variant Advantage

Scores

Rewards 54/100
Fees 90/100
Benefits 33/100
Access 84/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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5 Active Offers

Deals & Offers

Exclusive offers available on SBI Card SimplyCLICK Advantage

Apple

Apple

Elevate your tech setup with cutting-edge Apple innovation. SBI Credit Cardholders get up to ₹15,000 instant discount on the latest iPhone 16 series, MacBook Air/Pro, iPad Pro, and Apple Watch models.Valid at official Apple Retail Stores, Apple Online Store India, and authorized Apple premium resellers nationwide.

15000
Till 31 Dec 2026 electronics
Discount
Up to ₹15,000 instant discount
Min Spend
₹50,000
Max Savings
₹15,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit Apple Authorized Reseller (Imagine, Aptronix, Unicorn) or shop online at apple.com/in.
Step 2: Select eligible iPhone 16, MacBook Air/Pro, iPad Pro, or Apple Watch models.
Step 3: Proceed to billing and select SBI Credit Card full swipe or Instant EMI.
Step 4: Instant discount of up to ₹15,000 is automatically deducted at checkout.
Terms & Conditions

Valid on SBI Credit Cards and SBI Credit Card EMI transactions. Minimum transaction value varies by product category (minimum ₹50,000 for top-tier discounts). Offer valid across all authorized Apple channels in India. Maximum 1 device purchase per cardholder during the promotional period. Not valid on corporate or commercial credit cards.

Visit Offer
MakeMyTrip

MakeMyTrip

Fly anywhere across India with substantial airfare savings. SBI Credit Cardholders enjoy flat 12% instant discount up to ₹1,800 on all domestic flights on MakeMyTrip.Book IndiGo, Air India, Akasa Air, and SpiceJet with code SBIMMT.

12
Till 31 Dec 2026 SBIMMT travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Launch MakeMyTrip mobile app or website.
Step 2: Search and select domestic flights totaling ₹5,000 or more.
Step 3: Enter coupon code SBIMMT in the promo code field.
Step 4: Pay using your SBI Credit Card to save up to ₹1,800 instantly.
Terms & Conditions

Valid on domestic flight bookings across all major Indian airlines. Minimum transaction value of ₹5,000 required. Maximum discount capped at ₹1,800 per booking. Valid once per cardholder per calendar month. Corporate cards excluded.

Use Code: SBIMMT
Visit Offer
Yatra

Yatra

Discover magnificent holiday destinations across India with SBI Card and Yatra. Enjoy instant discounts up to ₹4,000 on domestic flights, hotels, and holiday packages.

4000
Till 31 Dec 2026 SBIYATRA travel
Discount
Up to ₹4,000 instant discount
Min Spend
₹7,500
Max Savings
₹4,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Open yatra.com or Yatra mobile app.
Step 2: Select holiday packages or flights with minimum cart value ₹7,500.
Step 3: Apply promo code SBIYATRA at the checkout screen.
Step 4: Pay using your SBI Credit Card to enjoy up to ₹4,000 instant discount.
Terms & Conditions

Minimum transaction of ₹7,500 on flights and ₹15,000 on holidays required. Maximum discount up to ₹4,000. Valid once per calendar month per cardholder. Excludes railway and bus bookings.

Use Code: SBIYATRA
Visit Offer
Reliance Digital

Reliance Digital

Upgrade your gadgets with up to ₹5,000 instant discount on electronics, laptops, and home appliances at Reliance Digital using SBI Credit Cards.

₹5,000
Till 31 Dec 2026 shopping
Discount
Up to ₹5,000 Off
Min Spend
₹15,000
Max Savings
₹5,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Purchase appliances or electronics at Reliance Digital stores or reliancedigital.in.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Checkout with eligible SBI Credit Card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹5,000. Excludes Corporate Cards, Paytm SBI Cards, and Cashback SBI Cards.

Visit Offer
Croma

Croma

Enjoy instant discounts up to ₹3,500 on electronics, audio equipment, and home appliances at Croma using SBI Credit Cards.

₹3,500
Till 31 Dec 2026 shopping
Discount
Up to ₹3,500 Off
Min Spend
₹15,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop online at croma.com or any physical Croma retail store.
Step 2: Cart value ₹15,000 or more.
Step 3: Pay using your SBI Credit Card to avail instant discount.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,500. Excludes Corporate Cards and Paytm SBI Cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about SBI Card SimplyCLICK Advantage

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹30,000/month min
  • • Self-employed: ₹40,000/month min
  • • CIBIL: 720+ recommended
The annual fee is ₹499. The fee can be waived by Spend \u20b91,00,000 in a year.
You earn 10 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: Amazon Pay Gift Card worth Rs.500 on payment of first year annual membership fee on activation! Redeem for flights, hotels, vouchers via SBI Card rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
  • • Instant: Pre-approved SBI Card customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for SBI Card SimplyCLICK Advantage today and unlock amazing rewards and premium experiences.

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