M16S / State Bank of India (SBI Card) / SimplyCLICK SBI Card
entry · rewards, shopping
SimplyCLICK SBI Card
The SimplyCLICK 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 all other (non-online) spends). The forex markup is 3.5%. It lists no airport lounge access. 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
- 3.75%a month
What changed on this card
- SBI Card to add 1% fee on transport above Rs 30,000, Dec 2026
From 1 Dec 2026 SBI Card charges 1% of the transaction amount on every transportation transaction above Rs 30,000 (MCCs 4111, 4784, 4131). Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card to add 1% fuel fee above Rs 50,000 a cycle, Dec 2026
From 1 Dec 2026, if fuel transactions in a billing cycle exceed Rs 50,000, SBI Card charges 1% on the total fuel spends. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card limits statement credit to multiples of 4,000 points, Apr 2026
From 1 Apr 2026 Reward Points for Statement Credit can be redeemed only in multiples of 4,000 Points, on all eligible cards except the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card caps statement credit redemption at 60,000 points, Apr 2026
From 1 Apr 2026 redemption of Reward Points for Statement Credit is capped at 60,000 Points per month on all eligible cards except Air India SBI Signature and the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises late payment charges from May 2026
From 1 May 2026 no charge applies up to Rs 100 due (was up to Rs 500). Rs 100 applies above Rs 100 up to Rs 500, and Rs 500 above Rs 500 up to Rs 1,000 (was Rs 400). Higher slabs are unchanged. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on wallet loads above Rs 1,000, Nov 2025
From 1 Nov 2025 SBI Card charges 1% of the transaction amount on every wallet load transaction above Rs 1,000. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on education payments via apps, Nov 2025
From 1 Nov 2025 a 1% fee applies to education payments made through third-party apps. Payments made directly to colleges or schools through their websites or POS machines carry no fee. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds Rs 200 cheque processing fee from Sep 2025
From 15 Sep 2025 a Cheque Processing Fee of Rs 200 applies to outstanding payments made by cheque. Payments by UPI, BBPS and NEFT stay free of extra charges. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI SimplyCLICK cuts Swiggy rewards from 10X to 5X, Apr 2025
Reward Points on online spends at Swiggy with the SimplyCLICK SBI Card drop from 10X to 5X from 1 Apr 2025. 10X stays on Apollo 24X7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds and Yatra. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on utility payments above Rs 50,000, Dec 2024
From 1 Dec 2024, if utility payments in a billing cycle add up to more than Rs 50,000, SBI Card charges a 1% fee on the total utility amount. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on digital gaming from Dec 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on Digital Gaming Platforms/Merchants from 1 Dec 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card raises finance charge to 3.75% a month from Nov 2024
From 1 Nov 2024 the rate of Finance Charges is 3.75% p.m. on all unsecured SBI credit cards, except Shaurya and Defense cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on government payments June 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on government related transactions from 1 Jun 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on rent payments from April 2024
SBI Card lists AURUM, SBI Card Elite, Pulse, SimplyCLICK, PRIME and SimplySAVE among the cards that earn no Reward Points on rent payments from 1 Apr 2024. Source: SBI Card, sbicard.com, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Annual spend that waives the fee | Rs 1,00,000 |
| Fee notes | Annual fee Rs 499, renewal Rs 499 from second year; renewal fee reversed if previous year's spend is Rs 1 lakh or more. Add-on card free. |
Rewards
| Welcome benefit | Amazon.in e-gift card worth Rs 500 on payment of the annual (first-year) fee |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 100 on all other (non-online) spends |
| Base return | 0.25% |
| Point value | 4 RP = Re 1 (Rs 0.25 per RP) |
| Accelerated earn | 10X RP on online spends at exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq; 5X RP on all other online spends |
| Caps | 10X and 5X bonus points each capped at 10,000 per month (issuer notice, 1 Oct 2020) |
| Spends that earn nothingunverified | Rent, fuel, wallet loads, government, digital gaming, utilities, cash advance, balance transfer, EMI |
| Points expiry | 24 months |
| Milestone benefits | Rs 2,000 Cleartrip/Yatra e-voucher at Rs 1 lakh annual online spend and another at Rs 2 lakh annual online spend |
| Reward notes | base_return_pct = 1 RP per Rs 100 x Rs 0.25 (4 RP = Re 1), both stated on the issuer page. Online 5X = 1.25%, partner 10X = 2.5%. Earlier partner cuts on record: Amazon 10X to 5X (Jan 2023), Lenskart (Apr 2023), EazyDiner (Nov 2023), Swiggy (Apr 2025, but the page read 2026-10-12 lists Swiggy at 10X again). 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
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on fuel txns Rs 500-3,000, cap Rs 100 per statement cycle per card account |
| Other freebies | None |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| 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 | Age 18-65; income about Rs 20,000/month (aggregator) |
| Fine-print notes | Issuer product page read 2026-10-12 (rendered text); fields not listed in unverified_fields are from it or from the issuer MITC/KFS/notices already cited. Conflict: accelerated_earn previously (issuer notice, Apr 2025) put Swiggy at 5X and did not list Gyftr or Tata Cliq as 10X partners; the product page lists Swiggy, Gyftr and Tata Cliq among 10X partners, so the page list is used. The monthly 10,000-point caps are from the 2020 issuer notice; the page does not repeat them. Exclusions and eligibility are still from the aggregator (page silent). Page mentions a secured 'Advantage' variant. 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 SBI Card?
- Rs 499 a year, before GST. It is waived if you spend Rs 1,00,000 in a year.
- Does the SimplyCLICK SBI Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the SimplyCLICK SBI Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the SimplyCLICK SBI Card?
- Rent, fuel, wallet loads, government, digital gaming, utilities, cash advance, balance transfer, EMI