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SBI Card SimplyCLICK Advantage
Visa
SBI Card SimplyCLICK Advantage
A lower-fee variant of SBI's popular SimplyCLICK online-shopping card, aimed at first-time cardholders who want accelerated points on e-commerce without committing to a higher annual fee. The reward structure closely mirrors the standard SimplyCLICK but with a lighter cost profile.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🛍️ Shopping
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome e-gift voucher from an online shopping partner.
- Accelerated points on spends with select online shopping partners.
- 1% fuel surcharge waiver on fuel transactions.
Pros
- + Low joining and annual fee
- + Accelerated points on online shopping partners
- + Easy fee waiver on modest annual spend
Cons
- − Base reward rate outside partner sites is low
- − No lounge or travel benefits