SBI

SimplyCLICK Visa Credit Card

Good fit for online shopping across multiple brands — ₹499 annual fee.

Top reasons to choose this card

10% across 11 merchants
₹1L fee waiver

What you'd do with it

Strongest on eligible partner merchants like Swiggy, Myntra, BookMyShow, Tata CLiQ, and IGP.
Competitive for day-to-day rewards with an estimated base return around 0.3%.
Works when a ₹499 annual fee is acceptable for the accelerated earn rates.

Suggested comparison Similar tier comparison Compare with Axis Bank ACE →

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Annual fee ₹499 per year

Forex markup 3.5% high

Lounge access 0 no lounge

Rewards / ₹100 10 pts up to · ₹100 on Apollo 24|7 (domestic), BookMyShow (domestic), Cleartrip (domestic), Domino's

The catch Forex markup is 3.5%, so this can get expensive for frequent international spends.

Welcome benefit timing may vary
Fee waiver available
Annual fee known
Forex markup known
No lounge access

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹499 lower than 74 of 112 cards
Joining fee: ₹499
Forex markup: 3.5% the standard rate (matches 66 cards)
Lounge access: No complimentary lounge access
Reward rate: Up to 10 pts / ₹100 on Apollo 24|7 (domestic), BookMyShow (domestic), Cleartrip (domestic), Domino's

Not a fit for

No domestic lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Annual fee is relatively low at ₹499.
Fee waiver applies at ₹1,00,000 annual spend.
Use this for domino's spends, but verify caps and exclusions before relying on the headline rate.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
No lounge access
₹500 welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 1 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with Axis Bank ACE Similar tier comparison Best SBI credit cards See how this card compares within SBI. Forex ranking (verified) Compared on verified forex markup, then annual fee. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.

Is 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 at ₹1,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹1,00,000yearAnnual fee waiverreasonablestrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn1 points per ₹100

Best verified laneApollo 24|7 (domestic), BookMyShow (domestic), Cleartrip (domestic), Domino's (domestic)10 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Apollo 24|7 (domestic)BookMyShow (domestic)Cleartrip (domestic)Domino's (domestic) +7 more merchants

GyFTR (domestic)
IGP (domestic)
Myntra (domestic)
Netmeds (domestic)
Swiggy (domestic)
Tata CLiQ (domestic)
Yatra (domestic)

10 pts / ₹10010X reward points on online spends with exclusive partners.—

Dining10 pts / ₹150——

Movies10 pts / ₹150——

Online shopping5 pts / ₹100online only—

General spend1 pt / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (1 pt / ₹100). ~500 pts/month. Partner/category bonuses not included.
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 facts

Benefits

Lounge Access

Domestic (cardholder): No complimentary lounge access
International (cardholder): Not included

Rewards

Base earn: 1 pt / ₹100 value depends on redemption

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹499
Joining fee: ₹499 · verified 1 Jul 2026
Fee waiver spend: ₹1,00,000 · verified 20 Jun 2026 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

4 sources agree · verify issuer terms before applying

Where to verify

CardInsider
BankBazaar
Shared Sbicard Com
Operator-verified anchor
Issuer site (verify current terms) (opens in new tab)
Product tier: Entry-level