SBI SimplyCLICK
Visa · Mastercard
SBI SimplyCLICK
SBI Card · Visa · Mastercard
Quick answer
SBI SimplyCLICK by SBI Card has an annual fee of ₹499 and APR of 42%. Best for first-card and shopping. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
₹499
Annual fee
₹499
Forex markup
4%
APR
42%/yr
Fee waiver: Annual fee waived on ₹1L spend a year
What you earn
- 3%10X reward points on online partners (≈2.5% value)
- 0%1 point per ₹100 elsewhere
Welcome: ₹500 Amazon voucher on joining
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹20,000/month · credit score 700+. For salaried, self-employed.
What's great
- Low entry income
- Great starter card for online shoppers
- Cheap annual fee
Watch out for
- Rewards are points, not cashback
- Weak base earn rate
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.