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SBI Card SimplyCLICK

Honest review — No affiliate bias — Updated May 2026
CreditIQ Score
8.2
out of 10
Rs. 499
Annual Fee
Rs. 499
Joining Fee
Visa/Mastercard
Network
cashback
Category

CreditIQ Verdict

The SBI Card SimplyCLICK is a cashback credit card from SBI with an annual fee of Rs.499. The fee is justified if you maximise the card benefits. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.

Key Benefits

+
10X on Amazon, BookMyShow, Cleartrip, Dominos, Lenskart, Netmeds, Swiggy

Fees & Charges

Annual FeeRs. 499 + GST
Joining FeeRs. 499 + GST
Interest Rate42% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)

Who Should Apply?

Good fit if you...
+ Spend on cashback regularly
+ Spend Rs.1,996+ per month
+ Have a good credit score (750+)
+ Earn Rs.0.2L+ annually
Skip if you...
- Travel internationally often (high forex markup)
- Carry a balance month-to-month
- Are a first-time credit card user
- Already have a similar card

What the community says

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general@MogwaibondREDDIT
SBI Accounts Alone May Limit Credit Card Benefits and Features
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transfer hack@pointsdecodedINSTAGRAM
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Comment “LINK” and I’ll send you the Air India Bonus registration link. The offer runs all of May 2026 - here’s the quick breakdown: ◆ Up t...
strategy@creditcardtalksINSTAGRAM
Prioritize instant discounts and cashback over future rewards points when the immediate savings are mathematically superior.
Most people think credit cards are about free flights, hotel stays, and reward points. That is only half the story. The smartest credit ca...

Frequently Asked Questions

What is the annual fee of SBI Card SimplyCLICK?
The annual fee is Rs.499 + GST. It is waived if you meet the annual spend threshold.
What is the reward rate on SBI Card SimplyCLICK?
SBI Card SimplyCLICK offers 0.25. Check the benefits section above for category-specific accelerators.
How to apply for SBI Card SimplyCLICK?
You can apply online through SBI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.
Applying via CreditIQ
Zero affiliate bias. We show all cards equally -- ranked by value, not commission.
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Quick facts
Annual feeRs.499
NetworkVisa/Mastercard
BankSBI
Other SBI cards
SBI Cashback Credit Card
Rs.999 annual fee
SBI ELITE
Rs.4,999 annual fee
SBI Card BPCL Octane
Rs.1,499 annual fee
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