Question 1

What is the annual fee on the SimplyCLICK SBI Card and how do you get it waived?

Accepted Answer

The SimplyCLICK SBI Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the SimplyCLICK SBI Card?

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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SimplyCLICK SBI Card

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