SBI SimplyCLICK
Visa · Mastercard
SBI SimplyCLICK
SBI Card · Visa · Mastercard
Quick answer
SBI SimplyCLICK by SBI Card has an annual fee of ₹499 and APR of 42%. Best for first-card and shopping. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
₹499
Annual fee
₹499
Forex markup
4%
APR
42%/yr
Fee waiver: Annual fee waived on ₹1L spend a year
What you earn
- 3%10X reward points on online partners (≈2.5% value)
- 0%1 point per ₹100 elsewhere
Welcome: ₹500 Amazon voucher on joining
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹20,000/month · credit score 700+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- Low entry income
- Great starter card for online shoppers
- Cheap annual fee
Watch out for
- Rewards are points, not cashback
- Weak base earn rate
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.