Eligible spend
1 points per ₹100 on eligible spend
SBI RUPAY
SimplyCLICK RuPay
Should you get this?
Conditional fit
Why this card
- Up to 10 pts / ₹100 on online spend
- You spend on tata CLiQ online.
Trade-off
The annual fee (₹499) is waived only when eligible annual spend exceeds ₹1,00,000.
Annual fee ₹499 per year
Rewards 1 pt / ₹100
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with Axis Bank ACE →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward points—
Tata CLiQ (domestic)10 pts / ₹100Credited as reward points · online only—
Online shopping5 pts / ₹100Credited as reward points · online only10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend; then 1 pt / ₹100 base
How to avoid the annual fee
Spend threshold for waiver Above ₹1L annual eligible spend required for the waiver
Annual fee is ₹499. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Tata CLiQ (domestic)
10 pts / ₹100
View bonus categories →Caps
- Online shopping10,000 points per calendar month
Why?
at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend; then 1 pt / ₹100 base
Realisation
Credited as reward points
Reported reward terms
Evidence · not used in rates or comparisonsReported merchant terms
- Apollo 247 · Bookmyshow · Cleartrip · Dominos · Gyftr · IGP · Myntra · Netmeds · Swiggy · Yatra
- 10 points per ₹100Domestic spend
Reported by secondary sources · verify with issuer1 other source
Reported category terms
- Dining · Movies
- 10 points per ₹150Domestic & international
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹1,00,000yearAnnual fee waiver
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
- Reward point value isn't clearly documented yet, so overall returns may vary.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹499
- Joining fee
- ₹499 · verified 3 Sept 2026
- Fee waiver spend
- Above ₹1,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹1,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
- Late-payment charge
- ₹100–₹1,100 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Card Maven
- Shared Sbicard Com
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹500–₹3,000.
- Maximum waiver ₹100 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Online cap: 10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
- After the Online cap is reached, further spends earn the base rate.
Latest update
- Annual fee: ₹499.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum