M16S / State Bank of India (SBI Card) / SimplyCLICK Advantage SBI Card
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SimplyCLICK Advantage SBI Card
The SimplyCLICK Advantage SBI Card costs Rs 499 a year, waived if you spend Rs 1,00,000 in a year. Its base return is 0.25% (1 RP per Rs 100 on other (offline) spends). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- Rs 1,00,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.5%
- Interest
- 2.75%a month
Apply on sbicard.comOpens the bank’s own page.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 1,00,000 |
| Fee notes | Renewal fee reversed on Rs 1 lakh annual spend. |
Rewards
| Welcome benefit | Rs 500 Amazon voucher after paying the Rs 499 annual fee, sent within 30 days; valid 12 months (issuer T&C booklet) |
|---|---|
| Reward currency | Reward Points |
| Base earnunverified | 1 RP per Rs 100 on other (offline) spends |
| Base returnunverified | 0.25% |
| Point value | 1 RP = Rs 0.25 (example in issuer T&C booklet; booklet says value may vary by variant) |
| Accelerated earn | 10X at exclusive online partners; 5X on other online spends (issuer T&C booklet). Partner list per issuer notices: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra |
| Caps | 10X partner bonus and 5X online bonus each capped at 10,000 points per calendar month; standard points continue after the cap (issuer T&C booklet, from 1 Oct 2020) |
| Spends that earn nothing | Cash advance, balance transfer, Encash, Flexipay, fuel; wallet loads (MCC 6540/6541); utility bills paid on the SBI Card site/app do not earn 5X; Amazon gift cards and Cleartrip affiliate-channel bookings do not earn 10X |
| Points expiry | 24 months |
| Milestone benefits | Rs 2,000 Cleartrip/Yatra e-voucher at Rs 1 lakh and at Rs 2 lakh annual online spend (issuer notice, Sep 2023) |
| Reward notes | base_return_pct = 1 RP per Rs 100 x Rs 0.25; 5X online = 1.25%, 10X partners = 2.5%. The issuer booklet does not state the base rate; 1 RP per Rs 100 is from the aggregator page at the Advantage URL, which describes the regular SimplyCLICK card. Issuer notices treat it alongside SimplyCLICK (same 10X partner list; EazyDiner cut Nov 2023; Rs 2,000 Cleartrip/Yatra vouchers at Rs 1 lakh and Rs 2 lakh online spend from Sep 2023). Online rent points cut from 5X to 1X from 1 May 2023. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Fuel surcharge waiver | 1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle |
Charges and eligibility
| Interest per monthunverified | 2.75% |
|---|---|
| Late payment fee | On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026) |
| Cash advance fee | 2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one |
| Eligibilityunverified | Issued against a fixed deposit with SBI (secured variant) |
| Fine-print notes | The issuer address for this card (shopping/simplyclick-advantage-sbi-card.page, read 2026-10-12) serves the SimplyCLICK SBI Card page, whose only reference to this card is the line "Secured card variant 'Advantage' also available". No field was changed or marked verified from it, because the page does not say the secured variant carries the same terms. For reference, that SimplyCLICK page gives 1 RP per Rs 100 on other spends (4 RP = Re 1), 10X with exclusive partners (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq), 5X on other online spends, Rs 500 Amazon.in e-gift card on annual fee payment, Rs 2,000 Cleartrip/Yatra e-vouchers at Rs 1 lakh and Rs 2 lakh annual online spend, and a 1% fuel waiver (Rs 500-3,000, cap Rs 100 per cycle); these agree with the values here, and its partner list adds Swiggy, Gyftr and Tata Cliq to the list recorded from issuer notices. Base earn rate therefore still rests on a page that describes the regular card. Welcome gift, 10X/5X structure, caps, exclusions, point value and fuel waiver read from the issuer's SimplyCLICK Advantage T&C booklet (dated June 2021, Ver FY22 08), so check for later changes. Base earn rate from an aggregator. The booklet quotes 3.50% a month finance charge for unsecured cards; the 2.75% secured rate here is still unconfirmed. Minimum fixed deposit not stated in any source read. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST. |
Questions
- What is the annual fee of the SimplyCLICK Advantage SBI Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
- What is the forex markup on the SimplyCLICK Advantage SBI Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the SimplyCLICK Advantage SBI Card?
- Cash advance, balance transfer, Encash, Flexipay, fuel; wallet loads (MCC 6540/6541); utility bills paid on the SBI Card site/app do not earn 5X; Amazon gift cards and Cleartrip affiliate-channel bookings do not earn 10X