SimplyCLICK SBI Card

Annual feeJoining feeRenewal fee

₹499 + GST

Fee waiver rule

Renewal Fee is reversed if annual spends for last year >= ₹1,00,000.

Add-on card fee

₹0

Welcome benefit

Get Amazon.in e-Gift Card worth ₹500 on payment of Annual Fee.

Reward rate

1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 on all other spends.

EMI spend earning

Reward Points awarded on Flexipay and Merchant EMI transactions are reversed.

Fuel earning

No Reward Points on purchases at petrol pumps/service stations.

Online earning

10X Reward Points on online spends with exclusive partners

Rent earning

Revised to 1X Reward Points with effect from 01 MAY'23

Wallet load earning

Not eligible for Reward Points: e-Wallet loading transactions identified under MCCs 6540 and 6541 on best effort basis.

Reward exclusions

Balance Transfers, Cash advances, ATM Withdrawals, Purchases at petrol pumps/service stations.

Reward caps

Maximum cap of 10,000 Reward Points per month on 5X Reward Points accrued on other online spends

What one reward unit is worth

Reward Points value: 4 Reward Points = Re 1.

Cashback redemption

Points cannot be exchanged for cash or other form of credit other than statement credit.

Catalogue redemption

4 Reward Points = Re 1.

Points transfer redemption

Points cannot be transferred to any other customer loyalty program unless otherwise notified by SBICPSL.

Statement-credit redemption

Reward Points can be redeemed as statement credit, adjustable against card outstanding; capped at 60,000 Reward Points per card per calendar month.

Voucher and product redemption

Reward Points can be redeemed for Rewards Catalog physical products and e-Gift Vouchers.

Point expiry

Reward Points accrued under the Rewards Program are valid for a period of 24 months.

Smallest number of points that can be redeemed

For statement credit, points can only be redeemed in multiples of 2,000 points; effective 1 Apr'26 the multiple is 4,000 points for eligible cards

Milestone benefits

E-Vouchers worth ₹2,000 each on reaching annual online spends of 1 Lakh and 2 Lakhs respectively.

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks' credit cards to SimplyCLICK SBI Card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

applicable on transactions of ₹2,500 or more

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% (for all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/Miles Prime/Miles)

Cash advance fee

2.5% or ₹500 whichever is higher.

Cash advance interestInterest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Cash withdrawal limit

Max. cash withdrawal limit is ₹15,000 per day.

Interest-free period

20-50 days (applicable only on retail purchases and if previous month’s outstanding balance is paid in full)

Late payment fee

₹100 - ₹1300 (Nil for outstanding Amount due from ₹0- ₹100)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600)

Payment return or dishonour fee

2% of Payment Amount (subject to a minimum of ₹500)

Statement or duplicate statement fee

Duplicate monthly statements are provided only for a period of six months preceding the request and are subject to a service charge

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

₹200

Education / school fee charge

1% of the transaction amount applicable on Education Payments made through third-party apps.

EMI conversion fee

Flexipay EMI processing fee is 1% of the booking amount or ₹2,000 whichever is less; waived off for 24 and 36 month tenures from 01 Sep 2026 as a promotional offer

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500)

Reward redemption fee

₹99+ applicable taxes

Wallet load charge

1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000.

Fuel transaction fee

Fuel surcharge at petrol pumps: 1% of transaction amount plus all applicable taxes, levied by the acquiring bank

Rent transaction fee

₹199+Applicable Taxes as processing fee

Utility transaction fee

1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle.

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding