The verdict
Partner rewards aur travel vouchers transaction eligibility aur actual use par depend karte hain. Captured terms se reliable cash return nahi nikalta.
Product page eligible partners par ₹100 mein 10 points aur ₹1 lakh aur ₹2 lakh annual online-spend milestones par alag ₹2,000 travel vouchers batata hai.
Amazon welcome gift ka brand hai, listed 10× shopping partner nahi. Merchant identifiers, exclusions aur voucher conditions realized value kam kar sakte hain.
✓What works
- +SBI Card ke listed online partners par eligible transactions ₹100 mein 10 points earn karte hain.
- +Baaki eligible online transactions monthly cap tak ₹100 mein 5 points earn karte hain.
- +Pichhle saal kam se kam ₹1 lakh spend par renewal fee reverse hoti hai.
✕What doesn't
- −Partner rewards ke liye INR payment aur qualifying merchant identifier chahiye; affiliate-channel Cleartrip aur Yatra bookings par 10× nahi milta.
- −5× category ka 10,000-point calendar-month cap hai; uske baad base points milte hain.
- −Milestone voucher ka brand SBI Card choose karta hai aur use restrictions hain.
What it earns
Product page 4 points = ₹1 batata hai. Actual redemption options, fees aur realized value ke liye current catalogue check zaroori hai.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Eligible listed online partners | 10 points / ₹100 | — | — |
| Other eligible online transactions | 5 points / ₹100 | 10,000 points per calendar month; phir 1 point / ₹100 | — |
| Other eligible spend | 1 point / ₹100 | — | — |
Accelerated earn
Eligible partner aur online shopping rewards
Partner aur online transaction identifiers accelerated earning decide karte hain.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Listed online partnersQualifying partner merchant identifiers par INR payments only. | 10× · 10 points / ₹100 | — | — |
| Other eligible online transactionsCap ke baad ₹100 par 1 point. | 5× · 5 points / ₹100 | 10,000 points per calendar month | — |
Redemption options
Page 4 points = ₹1 batata hai; current catalogue, redemption fees aur practical value check karna baaki hai.
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +SBI Card ab eligible 10× online transactions ke liye Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr aur Tata Cliq list karta hai.
- +₹500 Amazon Pay welcome gift first-year membership fee payment aur gift conditions ke baad milta hai.
- +Har ₹2,000 Cleartrip ya Yatra milestone voucher ke liye relevant annual online-spend threshold chahiye; brand SBI Card choose karta hai.
✕Excluded Spends & Fee Traps
- −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.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| First-year fee | ₹499 + applicable taxes |
| Renewal fee | ₹499 + applicable taxes; pichhle saal kam se kam ₹1 lakh spend par reverse |
| Fuel surcharge waiver | ₹500–₹3,000 transactions par 1%; har statement cycle maximum ₹100 |
Eligibility & Approval Criteria
Target Profile: Listed partners aur travel vouchers use karne wale online shoppers
Frequently Asked Questions
Kya SBI SimplyCLICK Credit Card par airport lounge access milta hai?
SBI SimplyCLICK Credit Card ke MITC charges, annual fee aur interest rate kya hain?
SBI SimplyCLICK Credit Card par reward rate aur points ki real rupee value kya hai?
SBI SimplyCLICK Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein SBI SimplyCLICK Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card India ka iconic entry-level online shopping credit card hai jo young professionals, students aur digital spenders ke liye design kiya gaya hai. Visa platform par available is card ki annual fee sirf ₹499 + GST hai, jo previous card anniversary year mein ₹1,00,000 qualifying retail spend complete karne par 100% waive ho jaati hai.
Yeh card day-one value aur transparent multipliers ke liye market mein highly popular hai: joining fee payment par ₹500 Amazon gift card (jo ₹499 fee ko instantly recover karta hai), exclusive online partner brands (Cleartrip, Yatra, Netmeds, BookMyShow, Dominos, Myntra) par 10 reward points per ₹100 (2.5% return), baaki sabhi online spends par 5 reward points per ₹100 (1.25% return), aur annual milestone spending par up to ₹4,000 ke Cleartrip flight/hotel vouchers.
Key Privileges aur Everyday Benefits
- ₹500 Amazon Gift Card ke Sath 100% Fee Offset: Joining fee realization ke 30 days ke andar ₹500 ka Amazon e-gift voucher welcome gift ke taur par milta hai.
- 10X Reward Multipliers on Digital Partners: Cleartrip, BookMyShow, Yatra, Netmeds, Dominos aur Myntra par transactions par 10 reward points per ₹100 (2.5% return at 4 pts = ₹1) earn karein.
- 5X Accelerated Rewards on Other Online Spends: Baaki sabhi online shopping aur e-commerce platforms par 5 reward points per ₹100 (1.25% return).
- Cleartrip Travel Milestone Vouchers:
- Annual online retail spend ₹1,00,000 reach karne par ₹2,000 Cleartrip e-voucher.
- Annual online retail spend ₹2,00,000 reach karne par additional ₹2,000 Cleartrip e-voucher (total ₹4,000 annual travel vouchers).
- 1% Fuel Surcharge Waiver: Nationwide fuel pumps par ₹500 to ₹3,000 transactions par 1% fuel surcharge refund (maximum ₹100 per statement cycle).
- Accessible Fee Waiver Target: Previous year mein ₹1,00,000 retail spend complete karne par ₹499 renewal fee automatically 100% waive ho jaati hai.
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- Low Offline Reward Yield: Offline stores par physical card swipe karne par sirf 1 reward point per ₹100 (0.25% value) milta hai.
- Redemption Charges: Accumulated reward points redeem karne par standard ₹99 + GST processing fee charge hoti hai.
- Cleartrip Voucher Validity: Milestone vouchers flight aur hotel bookings ke liye issued date se 12 months tak valid hote hain.
- Zero Complimentary Lounges: Is card par koi domestic ya international airport lounge access included nahi hai.
- Excluded Categories: Fuel spends, wallet top-ups, rent payments, aur government taxes par reward points nahi milte.
Yeh Card Kinke Liye Best Fit Hai
- First-Time Cardholders: Jo apna CIBIL score build karna chahte hain aur affordable fee ke sath reliable welcome vouchers dhoond rahe hain.
- Cleartrip, Netmeds & BookMyShow Fans: Jo partner platforms par regularly flight tickets, medicines aur movie tickets book karte hain.
- Smart Online Spenders: Jo monthly ₹10,000 to ₹20,000 online shopping par spend karke ₹1 Lakh fee waiver target easily achieve karte hain.
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.