SBI CardGold

SBI SimplyCLICK

•••• •••• •••• 4242

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Quick facts

SBI SimplyCLICK

Top reward10X points

Annual fee₹499

Min income₹20,000/mo

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🛒Shopping Partners

SBI Card · Gold tier

SBI SimplyCLICK

Partner rewards powerhouse

Great for Amazon, BookMyShow and partner merchants.

Key Benefits

💳

10X rewards on partners

🎁

Amazon welcome voucher

⛽

Low annual fee

Annual fee

₹499

Top rate

10X points

Min income

₹20,000/mo

Eff. return

0.41%

Realistic net value (moderate user): ₹1,971/year

After ₹499 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹3,100

Before fees & forex

Costs / year

₹1,129

Fee ₹499 + forex ₹630

Net value / year

₹1,971

0.41% effective return on spend

Category-wise breakdown

Online shopping

Spend ₹10,000/mo · 10 pts per ₹150 spend

₹2,000.00/year

₹166.67/mo

667 pts × ₹0.25 = ₹166.67/mo667 pts/mo @ ₹0.25/pt

All other eligible spends

Spend ₹30,000/mo · 1 pts per ₹150 spend

₹600/year

₹50/mo

200 pts × ₹0.25 = ₹50/mo200 pts/mo @ ₹0.25/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

online shopping — 10 pts per ₹150 spend

You spend

₹10,000

→

You earn

667 pts

Worth ≈

₹166.67

@ ₹0.25/point

Capped at ₹10,000/month spend for accelerated rate

all — 1 pts per ₹150 spend

You spend

₹10,000

→

You earn

67 pts

Worth ≈

₹16.67

@ ₹0.25/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 24 months if unused.

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: SBI SimplyCLICK T&Cs

Partner merchants

10X points

Cap: ₹10,000/mo partner spend

Other spends

1 RP = ₹0.25

1X points

Welcome

₹500 Amazon voucher

Excluded categories (no rewards)

EMIFuelRentWallet

Best for

→ Amazon/BookMyShow users
→ Partner 10X rewards
→ ₹20K+ income

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹499

Annual / renewal fee

Charged every year unless waived

₹499

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹2,600

Signup bonus (year 1)+ ₹500

Annual fee− ₹499

Forex cost− ₹630

Net annual value₹1,971

Eligibility Snapshot

Public criteria from SBI SimplyCLICK T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹4,80,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with SBI SimplyCLICK?+

At moderate spend (₹40,000/mo), gross rewards are about ₹2,600/year. After the ₹499 annual fee, net value is approximately ₹1,971/year. Use the calculator above to model your own spends.

What is the minimum income for SBI SimplyCLICK?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.