INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: Visa / MastercardShopping & Rewards CardsLast Verified: 2026-09-28

SBI SimplyClick Credit Card

एसबीआई सिम्पलीक्लिक क्रेडिट कार्ड

Flagship digital lifestyle credit card offering 10X rewards on Amazon, Swiggy, Cleartrip, BookMyShow, and ₹4,000 in milestone travel vouchers.

Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Reward Rate10X Reward Points (10 points per ₹100 spent) on exclusive digital partners: Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra. 5X Reward Points (5 points per ₹100 spent) on all other online shopping. 1 Reward Point per ₹100 on offline retail.

Airport LoungeNo complimentary airport lounge access.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

SBI SimplyCLICK is India's flagship starter card for digital natives, online shoppers, and e-commerce enthusiasts. Tailored for frequent purchasers on Amazon, Swiggy, Myntra, and BookMyShow, it delivers high reward multipliers (up to 10X points) on online merchant checkouts for a modest ₹499 annual fee.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹499 + GST (Renewal: ₹499 + GST)

Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.

🎁Welcome Benefit

Amazon.in e-Gift Voucher worth ₹500 sent to registered mobile number within 21 days of paying the joining fee.

⚡Reward Points Structure

10X Reward Points (10 points per ₹100 spent) on exclusive digital partners: Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy, and Yatra. 5X Reward Points (5 points per ₹100 spent) on all other online shopping. 1 Reward Point per ₹100 on offline retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10X earns 2.50% effective value back; 5X earns 1.25% value back.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit against unauthorized transactions reported within 72 hours under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,00,0 (maximum ₹100 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Cleartrip or Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹1,00,000; an additional ₹2,000 e-voucher on reaching ₹2,00,000 annual online spends (up to ₹4,000 in milestone vouchers yearly).

Interest-Free Period: 20 to 50 days (provided previous month total outstanding is cleared in full by the due date).

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Accumulated 10X and 5X reward points are subject to a combined cap of 10,000 points per calendar month. No domestic or international lounge access. Redemptions incur a ₹99 + GST processing fee. Government payments and rent payments are completely excluded from earning rewards.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month finance charge from date of cash withdrawal.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum) calculated from the transaction date on unpaid balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for outstanding above ₹50,000 (+ 18% GST).

Reward Points ExpiryReward points expire 24 months (2 years) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility payments, wallet loads, rent payments, educational payments, and government transactions.

Eligibility Criteria

Salaried individuals and Self-Employed professionals. Minimum age is 21 years (maximum 70 years). Stable monthly income required.

Age Requirement21 to 70 Years

Minimum Income₹3,00,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)

CIBIL Score NoteA credit score of 720+ is standard. First-time card applicants with established salary accounts can also qualify.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select SBI SimplyClick Credit Card.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Apply at any State Bank of India branch with self-attested copies of PAN, Aadhaar, recent salary slip, and passport photograph.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (mandatory)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on SBI SimplyClick Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for outstanding above ₹50,000 (+ 18% GST).. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum) calculated from the transaction date on unpaid balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on SBI SimplyClick Credit Card into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on SBI SimplyClick Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10X earns 2.50% effective value back; 5X earns 1.25% value back. Please note: Reward points expire 24 months (2 years) from the date of accrual.

What is the interest-free grace period on SBI SimplyClick Credit Card and how does it work?

The interest-free period on SBI SimplyClick Credit Card is 20 to 50 days (provided previous month total outstanding is cleared in full by the due date).. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum) calculated from the transaction date on unpaid balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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