SBI
SBI Card SimplyCLICK Visa Credit Card
Entry-level card · No lounge access · fee waiver achievable around ₹1L annual spend · 3.5% forex markup.
The SBI Card SimplyCLICK Visa Credit Card is issued by SBI. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
- Low annual fee ₹499 annual fee
Example usage at this monthly spend
- At this monthly spend, you'd earn: ~500 pts/month (base earn)
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Confidence: High
Verify with issuer (opens in new tab)Card snapshot
| Annual fee | ₹499 |
|---|---|
| Joining fee | ₹499 |
| Forex fee | 3.5% (verify with issuer) What is this? |
| Lounge access | No lounge access |
| Reward rate | 1 pts / ₹100 (base, normalized) What is this? |
Real-world usage examples
- Less suited to international transactions because forex markup is 3.5%.
Annual fee break-even math
At base earn rates, you need roughly ₹2L in yearly spend to offset the ₹499 annual fee.
Key Benefits
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
Rewards
- Points per ₹100
- 1 pts value depends on redemption
Fees & Charges
Fees
- Annual fee
- ₹499
- Joining fee
- ₹499
- Fee waiver spend
- ₹1,00,000 Below catalog median waiver (₹3,00,000 vs ₹1,00,000).
International Use
- Forex markup
- 3.5% (verify with issuer)
- Product tier
- Entry-level
Best For
- Low annual fee
Explore: best credit cards in India · low forex cards · zero forex cards · forex markup (learn) · reward rate (learn) · lounge access cards
Drawbacks
- High forex markup (3.5%)
- No domestic lounge access
Compare with similar cards
Open the closest side-by-side options in this tier before you apply.
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Latest update
- Snapshot refreshed on 25 April 2026 (today).
- Annual fee on file: ₹499.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.
Learn more
How forex markup works · Reward rate (points / ₹100) explained · Cashback vs reward points