What is the reward rate on the SimplyCLICK Advantage SBI Card?

You earn 10 points per ₹100 on Online spends with exclusive partners. Everything else earns 5 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹250, which is about 2.5% back. Fuel, Rent Payment, Wallet Load, Cash Advance earn nothing at all.

Which spends do not earn rewards on the SimplyCLICK Advantage SBI Card?

Fuel, Rent Payment, Wallet Load, Cash Advance, Balance Transfer, Encash earn nothing on this card. Reward Points are not valid for statement credit redemption. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the SimplyCLICK Advantage SBI Card recently and is it still worth it in 2026?

Same partner/redemption cuts as SimplyCLICK; SBI portfolio changes. The changes are dated Apr 2025. At ₹1L of yearly spend the card returns roughly ₹250 at its general rate of about 0.25%, against a ₹499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

2326 6634 7878 8078

SimplyCLICK Advantage SBI Card

SBIVISA

Monzy Score

7/ 10

Good for diners and foodies.

~2.5% back on top spends; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹499

Annual Fee

₹499

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Apna-Mart: Up to 5% Extra Cashback
Exclusive Discounts · till 8 Sep 2026
Value Plus: Up to ₹ 10000 Instant Discount
Exclusive Discounts · till 9 Sep 2026
Mundada: Up to Rs 6,500 Instant Discount at Mundada Corporation.
Exclusive Discounts · till 9 Sep 2026
Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026

Earn Points

10pts

/₹100 on Apollo 24X7, Cleartrip, Gyftr, Igp, Myntra, Swiggy

5pts

/₹100 on All Other Online Spends (max ₹2,500/Mo)

10x

Points on Eazydiner Online Spends

Benefits

Shopping

10 RP/₹100 on partner brands

Accelerated rewards on partner e-commerce spends
10X reward points on exclusive partner sites
5X reward points on other online spends
Base earn rate of 1 point per ₹100 otherwise
Reward redemption value depends on SBI Card catalog

Travel

₹2,000 Cleartrip/Yatra vouchers at ₹1L & ₹2L…

Milestone travel vouchers for heavy online shoppers
Earn ₹2,000 vouchers twice a year on meeting online spend slabs
Choice of Cleartrip or Yatra gift cards
Vouchers limited to partner travel brands

Protection

Joining/renewal fee ₹499 with annual spend waiver

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

10X partner merchants

cap ~10000RP=2500

₹750

All other spends

1RP/100

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

SimplyCLICK Advantage SBI Card

Offers from SBI Card

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What Users Are Saying

Frequently Asked Questions

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SimplyCLICK Advantage SBI Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

SimplyCLICK Advantage SBI Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind