{
  "id": "sbi-simplyclick",
  "locale": "en",
  "name": "SBI SimplyCLICK Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge benefit established by the captured card terms",
  "rewardsRate": "10 points / ₹100 at partner online merchants · 5 points / ₹100 other online · 1 point / ₹100 offline",
  "bestFor": "Online shoppers who can use the listed partners and travel vouchers",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/simplyclick-sbi-card.html",
  "affiliateId": "sbi-simplyclick",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.sbicard.com/en/personal/credit-cards/simplyclick-sbi-card.html",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/SimplyClick-TnC.pdf",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf"
  ],
  "feeWaiver": "Waived at ₹1,00,000 annual spend",
  "networks": [],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹499 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "₹1 lakh or more annual spend in preceding year"
    },
    {
      "key": "Partner rewards",
      "value": "10 points/₹100 at eligible listed partners"
    },
    {
      "key": "Other online rewards",
      "value": "5 points/₹100; 10,000-point monthly cap"
    },
    {
      "key": "Travel milestones",
      "value": "₹2,000 voucher at each ₹1 lakh and ₹2 lakh annual online spend"
    }
  ],
  "earnRates": [
    {
      "category": "Eligible listed online partners",
      "rate": "10 points / ₹100"
    },
    {
      "category": "Other eligible online transactions",
      "rate": "5 points / ₹100",
      "monthlyCap": "10,000 points per calendar month; then 1 point / ₹100"
    },
    {
      "category": "Other eligible spend",
      "rate": "1 point / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Listed online partners",
      "multiplier": "10×",
      "rate": "10 points / ₹100",
      "note": "INR payments at qualifying partner merchant identifiers only."
    },
    {
      "channel": "Other eligible online transactions",
      "multiplier": "5×",
      "rate": "5 points / ₹100",
      "monthlyCap": "10,000 points per calendar month",
      "note": "After the cap, 1 point per ₹100 accrues."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Amazon shopping is not on the captured 10× partner list.",
    "Rent, government-related and digital-gaming transactions do not earn points under the dated card terms.",
    "Offline fuel and specified wallet-loading transactions do not earn points; utility payments through SBI Card's own channels do not earn 5×."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹499 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹499 + applicable taxes; reversed after at least ₹1 lakh annual spend in the preceding year"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "1% on ₹500–₹3,000 transactions; maximum ₹100 per statement cycle"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}