SBI Card
SimplyCLICK SBI Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
Amazon Gift Card Worth ₹500
Product Highlights
- Gift vouchers worth ₹500 from Amazon as a welcome benefit
- Annual fee waiver of ₹499 on yearly spending of ₹1,00,000
Category Rewards
Specialty
5X RP on other online spends
5X
Fee Waiver
Annual charges waived on spends of ₹1 lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Bookmyshow
10X RP on online partners
Cleartrip
10X RP on online partners
Lenskart
10X RP on online partners
Apollo24x7
10X RP on online partners
Netmeds
10X RP on online partners
Yatra
10X RP on online partners
Reward Calculator
Earns ₹1,061/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.6K
SBI Reward Points
₹1.6K
via standard · ₹0.25/pt
Effective rate
0.86%
Annual fee
₹589
Year 1 net
+₹1,561
incl. welcome
Year 2+ net
+₹1,061
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹2,000 Cleartrip e-voucher
Additional ₹2,000 Cleartrip e-voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
10X Reward Points on partner brands including Apollo 24×7, Swiggy, Gyftr, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra; 5X Reward Points on online purchases; 1 Reward Point for every ₹100 spent on offline purchases.
- 1 RP = ₹0.25
Benefits & Features
1% fuel surcharge waived on fuel transactions from ₹500 to ₹3,000 (max waiver capped at ₹100 per month)
Pros & Cons
Pros
- Welcome voucher worth ₹500 from Amazon
- Earn vouchers worth up to ₹4,000 on achieving milestone spends
Cons
- No domestic or international lounge access
- No travel benefits or insurance benefits
Additional Info
This card is suitable for frequent online shoppers.
No travel or dining benefits are included.
Max cap of 10,000 Reward Points per month on Bonus (at 5X or 10X rate)
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹0.2L+
Self-Emp
₹0.2L+
Networks
Fee Waiver
Annual charges waived on spends of ₹1 lakh