SimplyCLICK SBI Card

Lounge access

• Airport lounge visits through the Priority Pass Program (within and outside India) are charged a usage fee of USD 27 per visit plus applicable taxes.
• This card's schedule of charges does not list any complimentary lounge visits.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Forex markup

• Foreign Currency Transaction Fee: 3.5%.
• Dynamic & Static Currency Conversion Markup Fee: 3.50% (only for transactions greater than or equal to ₹1000).

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Interest-free period

• Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
• Not applicable if previous month's balance is unpaid or if cash has been withdrawn from an ATM.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Charge

• Finance charges: 3.50% p.m. (42% p.a.) for unsecured cards (min finance charge ₹25).
• Overdue finance charges 3.65% p.m. (43.8% p.a.) if Minimum Amount Due not paid by due date twice in a 12-month period.
• Cash Advance fee: 2.5% of transaction amount, min ₹500 (SBI/other domestic and international ATMs).
• Cash Payment fee: ₹250 (w.e.f. 01 Sep 2021).
• Payment Dishonor fee: 2% of payment amount, min ₹500.
• Statement Retrieval: ₹100 per statement (>2 months old).
• Cheque Payment Fee: ₹100.
• Card Replacement: ₹100 - ₹250 (₹1,500 for Aurum).
• Emergency Card Replacement abroad: actual cost (min USD 175 VISA / USD 148 MasterCard).
• Dynamic & Static Currency Conversion Markup: 3.50% (1.99% Elite & Aurum), only for transactions >= ₹1,000.
• Rewards Redemption Fee: ₹99.
• Overlimit: 2.5% of overlimit amount, min ₹600.
• Late Payment: NIL for Total Amount Due ₹0-500.
• ₹400 for >₹500 & up to ₹1,000.
• ₹750 for >₹1,000 & up to ₹10,000.
• ₹950 for >₹10,000 & up to ₹25,000.
• ₹1,100 for >₹25,000 & up to ₹50,000.
• ₹1,300 for >₹50,000.
• Additional Late Payment Charge of ₹100 on missing MAD by due date for two consecutive cycles.
• Network Change Fee and Credit Limit Increase Fee of ₹200 no longer applicable w.e.f. 01 Sep 2021.
• Add-on Fee: Nil.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver.
• Maximum waiver of ₹100 per month for transactions between ₹500 and ₹3,000 (exclusive of all applicable taxes).

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Milestone benefit

• SimplyCLICK / SimplyCLICK Advantage cardholders get e-Vouchers worth ₹2,000 each on reaching annual online spends of ₹1 Lakh and ₹2 Lakh respectively (either Cleartrip or Yatra e-Voucher, at SBI Card's discretion).
• Coupon sent within 30 days of reaching the spend milestone.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Reward cap

• 5X Reward Points on other online spends capped at 10,000 Reward Points per calendar month.
• Exclusive partner (10X) transactions also capped at 10,000 Reward Points per calendar month.
• Post cap every ₹100 spent earns 1 Reward Point.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Redemption value

• Reward Points can be redeemed against e-Gift Vouchers from SimplyCLICK Partners in the Rewards Catalogue.
• You cannot pay your card outstanding with Reward Points.
• Rewards Redemption Fee: ₹99 (on Gifts, Statement Credit & Specific Vouchers only).
• Reward Points can be accumulated for 24 months from date of accrual, after which unused points lapse and are forfeited.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Reward exclusion

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Transfer partner

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Insurance

• Complimentary lost/stolen card insurance cover on certain cards, provided by ICICI Lombard General Insurance Company Limited or any other insurance company as decided by SBI Card.
• The insurance company is solely responsible for claim settlement.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source

Eligibility

Add-on cards can be issued for spouse, parents, siblings and children over 18 years of age.

Verified · SimplyCLICK SBI Card – Terms & Conditions + MITC Booklet (card-specific) · 2026-07-30 · source