What is the reward rate on the SimplyCLICK 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. e-Wallet loading, Cash Advance, Balance Transfer, Encash earn nothing at all.

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

e-Wallet loading, Cash Advance, Balance Transfer, Encash, Flexipay, Offline Fuel earn nothing on this card. 5X Reward Points on 'all other online spends' are capped at 10,000 Reward Points per calendar month. 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 SBI Card recently and is it still worth it in 2026?

Swiggy earn 10X→5X (Apr 2025); statement-credit redemption removed; partner/voucher options shrunk. 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

8070 1564 6007 6816

SimplyCLICK SBI Card

SBIVISA/MASTERCARD

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

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
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10X pts/₹100

Online partner spends

5X pts/₹100

Other online spends

1 pt/₹100

All other spends

Fuel surcharge waiver (₹500–₹3,000 txns)

Benefits

Shopping

10X rewards on select online partners

Accelerated online shopping rewards
10X Reward Points on exclusive partners
5X Reward Points on all other online spends
Accelerated rewards apply only to listed partners

Travel

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

Milestone travel vouchers
₹2,000 e-voucher at ₹1 lakh annual online spends
Another ₹2,000 voucher at ₹2 lakh annual online spends
Vouchers limited to Cleartrip or Yatra brands

Fuel

1% fuel surcharge waiver up to ₹100

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

Other online spends

cap shared

₹0

All offline / other spends

1RP/100

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Jul 2025

SimplyCLICK SBI Card

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SimplyCLICK SBI Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

SimplyCLICK SBI Card

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind