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SBI SimplyCLICK
SBI SimplyCLICK is aimed squarely at first-time credit card users who shop online often but don't want to commit to a premium annual fee. It earns roughly 2.5% back (10X reward points) on spends with partner online merchants and a base 1 point per ₹100 elsewhere, with an easy income and credit-score bar that makes it accessible to younger applicants. It's a starter card rather than a long-term primary card — the reward rate trails dedicated cashback options once a cardholder's spend grows.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.25%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🛍️ Shopping
2.5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- ₹500 Amazon.in gift voucher credited on joining, sent to the registered email/mobile within a few weeks of card activation
Pros
- + Low joining and annual fee, waived entirely on ₹1 lakh yearly spend
- + ₹500 Amazon voucher on joining offsets a chunk of the first year's fee
- + Accelerated ~2.5% rewards on popular online partner merchants
- + Relatively low income and credit-score eligibility bar, good for a first card
- + Reward points can be redeemed flexibly across SBI's partner catalog
Cons
- − Reward rate is modest once spending moves outside partner merchants
- − Accelerated points are capped at 10,000/month, limiting upside for bigger spenders
- − No lounge access, insurance, or other premium lifestyle benefits
Best for
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