SBI Card · Entry rewards card
SimplyCLICK SBI Credit Card
A low-fee entry-level card built for online shopping. You earn 10X reward points at a set of online partner brands and 5X on all other online spends, plus milestone vouchers when your annual online spend crosses ₹1 lakh and ₹2 lakh.
Fees & welcome
Joining fee
₹499 + GST.
Last reviewed 2026-06-14 — confirm on official page
Annual / renewal fee
₹499 + GST.
Last reviewed 2026-06-14 — confirm on official page
Fee waiver
Annual fee reversed on spends of ₹1 lakh in the year.
Last reviewed 2026-06-14 — confirm on official page
Welcome benefit
Amazon.in gift voucher worth ₹500 on joining-fee payment — effectively offsetting the fee.
Last reviewed 2026-06-14 — confirm on official page
Earn rates
Online partner brands (Apollo 24×7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Yatra)
10X reward points (~2.5% value)
All other online spends (incl. Amazon)
5X reward points (~1.25%)
Offline and all other spends
1 reward point per ₹100 (~0.25%)
Milestone vouchers
Cleartrip/Yatra e-vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh
Last reviewed 2026-06-14 — confirm on official page
Plain math
₹10,000/month of online spend across partner brands at 10X earns roughly ₹3,000 a year in reward points (1 RP = ₹0.25), plus up to ₹4,000 in milestone vouchers — strong against a ₹499 fee that waives at ₹1 lakh annual spend.
Lounge & forex
Lounge access
No lounge access — this is an entry-level online-shopping card with no travel perks.
Last reviewed 2026-06-14 — confirm on official page
Forex markup
3.5%.
Last reviewed 2026-06-14 — confirm on official page
Who it's for
Best for
- Frequent online shoppers loyal to Myntra, BookMyShow, Cleartrip, Domino's and the other partners.
- First-time card users wanting a low-fee rewards card.
- Anyone who spends heavily online and wants accelerated points.
Not ideal for
- Offline-heavy spenders — the base rate is just 0.25%.
- If you don't shop the partner brands, a flat cashback card (SBI Cashback, Amazon Pay ICICI) gives simpler, higher returns.
Official sources
Last reviewed 2026-06-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.