State Bank of India
Platinum · SimplyCLICK
SBI SimplyCLICK Credit Card
State Bank of India
Maximise rewards on every online purchase
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,411
Total Annual Benefits
₹4,000
Total Annual Charges
₹589
ROI
579%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (2)
10X Reward Points on Partner Online Shopping
Earn 10X reward points on online spends at Amazon, Flipkart, and other partner merchants
- • Applicable at partner online merchants
10X RP online
5X Reward Points on Other Online Spends
Earn 5X reward points on all other online transactions
- • All online spends excluding partner merchants
5X RP online
Reward Points (1)
1 Reward Point per ₹100 on Offline Spends
Earn 1 reward point for every ₹100 spent on offline retail purchases
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹3,000
- • Valid on transactions ₹500–₹3,000
- • Max ₹100 per statement cycle
1% waiver
₹1,200/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹100 (up to 10X on select online categories)
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Flights & Hotels
- → Cashback (1 RP = ₹0.20)
- → Statement Credit
Bonus Categories
Partner Online Shopping
10x multiplier
10 RP per ₹100 at Amazon, Flipkart, etc.
Other Online Shopping
5x multiplier
5 RP per ₹100 on other online spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding 18% GST |
| Annual Fee | ₹499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹3,000. Max waiver: ₹100/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
0
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Accelerated rewards on online shopping Online transaction alerts
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The SBI SimplyCLICK Credit Card is designed for online shoppers, offering 10X reward points on partner online merchants like Amazon and Flipkart, 5X o...
More from State Bank of India
SBI Card
Visa
Apollo SBI SELECT Credit Card
SBI Card
₹1,499/yr₹10,000/yr value
10 Reward Points per...2 Reward Points per ...1 Reward Point per ₹...
SBI Card
Mastercard
SBI AURUM Credit Card
SBI Card
₹9,999/yr₹2,00,000/yr value
4 Reward Points per ...Unlimited Domestic L...Unlimited Internatio...
SBI Card
Visa
BPCL SBI Credit Card
SBI Card
₹499/yr₹5,000/yr value
13X Reward Points on...5X Reward Points on ...Reward Points on All...
SBI Card
Visa
BPCL SBI Octane Credit Card
SBI Card
₹1,499/yr₹10,000/yr value
25 Reward Points per...10 Reward Points per...Reward Points on All...