{
  "id": "sbi-simplyclick",
  "locale": "hinglish",
  "name": "SBI SimplyCLICK Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Captured card terms se lounge benefit establish nahi hua",
  "rewardsRate": "Partner online merchants par 10 points / ₹100 · baaki online par 5 points / ₹100 · offline par 1 point / ₹100",
  "bestFor": "Listed partners aur travel vouchers use karne wale online shoppers",
  "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": "₹1,00,000 annual spend complete karne par fee waive",
  "networks": [],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹499 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "Pichhle saal ₹1 lakh ya zyada spend"
    },
    {
      "key": "Partner rewards",
      "value": "Eligible listed partners par 10 points/₹100"
    },
    {
      "key": "Other online rewards",
      "value": "5 points/₹100; 10,000-point monthly cap"
    },
    {
      "key": "Travel milestones",
      "value": "₹1 lakh aur ₹2 lakh annual online spend par alag ₹2,000 voucher"
    }
  ],
  "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; phir 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": "Qualifying partner merchant identifiers par INR payments only."
    },
    {
      "channel": "Other eligible online transactions",
      "multiplier": "5×",
      "rate": "5 points / ₹100",
      "monthlyCap": "10,000 points per calendar month",
      "note": "Cap ke baad ₹100 par 1 point."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Captured 10× partner list mein Amazon shopping nahi hai.",
    "Dated card terms ke mutabik rent, government-related aur digital-gaming transactions par points nahi milte.",
    "Offline fuel aur specified wallet loading par points nahi; SBI Card ke apne channels se utility payment par 5× nahi."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹499 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹499 + applicable taxes; pichhle saal kam se kam ₹1 lakh spend par reverse"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "₹500–₹3,000 transactions par 1%; har statement cycle maximum ₹100"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}