SimplyCLICK SBI Card
SBI
An easy entry-level pick for frequent online shoppers — low fee, easily waived, strong rewards on partner sites.
₹499
Joining fee
₹499, waived at ₹1L spend
Annual fee
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–70
Salaried or self-employed with regular income; good CIBIL score preferred (soft guideline, not a hard published number); documents: PAN, Aadhaar/address proof, salary slip or ITR.
Key features
- 10X reward points on Amazon, BookMyShow, Cleartrip, Myntra, Swiggy and other online partners
- 5X on other online spends
- ₹500 Amazon gift card on joining
- 1% fuel surcharge waiver ₹500–₹3,000 (cap ₹100/cycle)
- Available on RuPay for UPI use
Reward details
1 reward point per Rs 100 (1X) on all other spending
- 10 points per Rs 100 (10X) on Partner brands (BookMyShow, Apollo24x7, Dominos, IGP, Myntra, Yatra, Netmeds, Swiggy, Giftr, Tata CLiQ, Cleartrip) — 10,000 reward points monthly cap combined with the 5X category
- 5 points per Rs 100 (5X) on Other online purchases — 10,000 reward points monthly cap combined with the 10X category
Welcome bonus: Rs 500 Amazon gift voucher on joining fee payment
- Rs 1 lakh annual online spend: Rs 2,000 Cleartrip/Yatra e-voucher
- Rs 2 lakh annual online spend: Rs 2,000 Cleartrip/Yatra e-voucher
Redemption
Limited options for reward redemption
Ratio: 4 points = Rs 1
- Balance transfer available with interest starting from 0.83% monthly
- 1% fuel surcharge waiver on Rs 500-3,000 transactions, capped at Rs 100/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 10X reward points cover multiple categories via partner brands — Paisabazaar
- Low annual fee with an achievable waiver condition — Paisabazaar
Complaints
- Limited options for reward redemption — Paisabazaar
- Rewards value 'may not be satisfactory' compared to cashback credit cards — Paisabazaar
- The array of partner brands described as 'not impressive' — Paisabazaar
- Better suited for frequent shoppers at specific partner brands, with cashback alternatives recommended for broader benefit-seekers — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, eligibility, lounge, rewards, sentiment