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SBI Card
SBI SimplyClick
🇮🇳 India · SBI Card

SBI SimplyClick

First card for online buyers, low entry fee

4.4 / 5
Joining fee
₹499
Annual fee
₹499
Top reward
10%
Min income
₹300,000

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5-year value calculator

How much SBI SimplyClick actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards28,500
Annual fee0 (waived ✓)
Welcome bonus (year 1 only)+500
Cumulative net value
+143,000
over 5 years
Year 1
29,000
+29,000/yr
Year 2
57,500
+28,500/yr
Year 3
86,000
+28,500/yr
Year 4
114,500
+28,500/yr
Year 5
143,000
+28,500/yr
Year 1 (with bonus)
29,000
Year 2+ (steady state)
28,500/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

shopping
10%
📈
Everything else
1.25%
📈
🎁
Welcome bonus

Amazon e-gift voucher worth ₹500

What you get

  • 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
  • 5x rewards on all other online spend
  • ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
  • 1% fuel surcharge waiver on ₹500–₹3,000 transactions

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹300,000
Min credit score
700+
Self-employed
Eligible