SBI Card SimplyCLICK Credit Card Review

June 15, 2026• 3 min read

StandardSBI Card

Quick Facts

Joining Fee₹499

Renewal Fee₹499

Best ForRewards

Forex Markup3.50%

30-Second Verdict

Expert Verdict

The SimplyCLICK Credit Card represents a solid premium choice, balancing strong category-specific rewards with travel perks for everyday affluent spenders.

General Rewards

Who Should Apply

You value airport lounge access and travel perks.
You want a steady return rate of 0.25% on standard spends.

Who Should Skip

Your average monthly card spends are less than ₹25,000.
You prefer cash statement credits over travel reward point transfers.

Key Numbers

Base Reward Rate
1 RP / ₹100

Accelerated Rate

Forex Markup

3.50%

Joining Fee

₹499

Annual Fee

₹499

Eligibility

Domestic Lounge

Capped Access

Primary: Yes • Add-on: No • Guest: No

Reward Point Mechanics

Understanding how your spends translate into real-world value is key. Here is how you earn, translate, and redeem your reward points.

Earning Blueprint

Accrual & Multipliers

Base Earn Rate:1 RP / ₹100

Multipliers & Milestones:

Accelerated 5x1.25% yield

Accelerated rewards on Dining and Grocery spends as parsed.

Point TranslationValue depends on how you redeem
Standard Currency Point Value1 SBI Card Reward Points = ₹0.25
when redeemed for flights/travel
Redemption Values:Statement Credit:₹0.25 per pt

Partner Transfers

Miles conversion ratios

Air Arabia AA RewardsRatio 2:1

AirAsia RewardsRatio 1:1

Air Canada AeroplanRatio 1:1

Flying BlueRatio 1:1

Air India Maharaja ClubRatio 1:1

British Airways Executive ClubRatio 1:1

Cathay Pacific Asia MilesRatio 1:1

Etihad GuestRatio 1:1

Emirates SkywardsRatio 2:1

Ethiopian ShebaMilesRatio 2:1

JAL Mileage BankRatio 2:1

Saudia AlFursanRatio 2:1

SpiceClubRatio 1:1

Royal Orchid PlusRatio 1:1

Turkish Miles &SmilesRatio 2:1

United MileagePlusRatio 2:1

Qantas Frequent FlyerRatio 1:1

Vietnam Airlines LotusmilesRatio 1:1

ALL - Accor Live LimitlessRatio 2:1

IHG One RewardsRatio 1:1

Club ITCRatio 2:1

Jumeirah OneRatio 2:1

Orchid RewardsRatio 1:1

Wyndham RewardsRatio 1:1

Shangri-La CircleRatio 6:1

Radisson RewardsRatio 1:1

1. Fees & Charges

Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST There are no spend-based waivers defined for the annual renewal fee.

2. Airport Lounge Access

For frequent flyers, lounge privileges provide significant comfort and savings:

Domestic Lounges: Eligible: True (Visa Lounge Program). Complimentary Visits: No complimentary access. Spend threshold: N/A.
International Lounges: Eligible: False (N/A). Complimentary Visits: No complimentary access. Spend threshold: N/A.

3. Rewards Rate & Value

Optimize your spending with the card's rewards structure:

Base Reward Rate: Earn an effective 0.25% back on general purchases.
Point Valuation: 1 SBI Card Reward Points = ₹0.25 value.
Important Exclusions: Spends on Fuel do not earn standard reward points.

4. Verdict: Should You Apply?

Get it if...

✓ You value having lounge access on network programs.
✓ Your primary spending categories align with this card's reward structure.

Skip it if...

✗ You prefer direct cash-back over reward points or travel miles.
✗ Your major spending is on excluded categories like rent or utilities (Fuel).

Exclusions & Caps Warning

Fuel transactions do not earn standard reward points, but are eligible for a 1% surcharge waiver up to ₹500/month.
Cashback is capped at ₹5,000 per billing cycle.
Cash advances, balance transfers, and EMI conversions do not earn reward points.

Pros & Cons

Advantages	Disadvantages
Standard concierge and customer support services Accelerated travel rewards on booking portals Flexible spending power adjusted to credit profile Faceted rewards structure for high returns	Annual renewal fee of ₹499 applies base reward can be better for a highly priced fees. No spend-based annual fee waiver available Standard foreign transaction markup fee of 3.50% Premium credit score and document verification required

Rewards Point Calculator

Estimate your annual rewards based on your customized spending profile. Slide the bars to adjust your spends and see the total reward points earned.

✈️ Travel & Airline Booking (Annual)₹2,00,000

🍽️ Dining & Entertainment (Annual)₹1,00,000

⛽ Fuel Purchases (Annual)₹50,000

🛍️ General Retail & Online Shopping (Annual)₹1,50,000

Total Reward Points Earned

7,000

Points / Year

Redemption Sweet Spots

Best Value Redemption Strategy: Redeeming points for statement credits yields poor value. Instead, transfer points to airline/hotel loyalty programs (like Marriott Bonvoy or airline miles) to secure maximum value per point.

Cardswise Score

8.0

Rewards

6/10

Travel Perks

7/10

Lifestyle

6/10

Value for Money

9/10

Frequently Asked Questions

What is the annual fee and waiver limit of SBI Card SimplyCLICK Credit Card?

The annual fee is ₹499 + GST. The fee is waived if you spend ₹0 in the previous card year.

Does SBI Card SimplyCLICK Credit Card offer complimentary lounge access?

Domestic lounge: No complimentary access (Spend requirement: N/A). International lounge: No complimentary access.

What is the foreign exchange markup fee?

The card has a foreign exchange markup of 3.50%.

What is the spending limit on the card?

The card limit is determined based on your credit score, ITR/salary documents, and existing credit relationship with the issuing bank.

How do you apply for this card?

You can apply online via the issuer's portal, netbanking, or by visiting a local branch with income proof documents.

Do reward points expire?

The reward points are typically valid for 24 months.

SimplyCLICK Credit Card

₹499 Joining Fee

Apply Now