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STATE BANK
Ten times the points on the partner brands, five on everything else online.
One-time
Waived on ₹1,00,000/yr
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
Shares the card's ₹1 a year ceiling
Everything else
Shares the card's ₹1 a year ceiling
These rates share one ceiling: ₹1 a year across the card, not per category.
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Online shopping — 10X reward points (10 points per ₹100 approx. 2.5% value back) on spends at exclusive online partners — Myntra, with no stated cap.
Biggest limitation
4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedOnline shopping
10X reward points (10 points per ₹100 approx. 2.5% value back) on spends at exclusive online partners — Myntra
1 pts
uncappedEverything else
1 reward point per ₹100 on all other offline spends except fuel
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | Annual fee of Rs. 499 + GST is reversed on annual spends of Rs. 1,00,000 or more. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher. |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹500
of one-time welcome value, on top of what you earn
Every year after
₹1,00,000 a year
is what it takes to keep the ₹499 fee off — about ₹8,333 a month
Not offered on this card.
1% waiver. 1% fuel surcharge waiver on transactions between ₹500–₹3,000, capped at ₹100 per statement cycle
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
₹500 Amazon.in gift voucher on payment of the ₹499 + GST joining fee, credited within approximately 30 days
Spend ₹1,00,000 a year — about ₹8,333 a month
₹2,000 Cleartrip e-voucher (On reaching ₹1,00,000 in annual online spends)
Spend ₹2,00,000 a year — about ₹16,667 a month
Additional ₹2,000 Cleartrip e-voucher (On reaching ₹2,00,000 in annual online spends)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI SimplyCLICK Credit Card · this card | ₹499 | 10% online shopping | No |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 10% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions Government institution payments No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions, government institution payments. No reward points on fuel, EMI transactions, utility bill payments, wallet top-ups, cash advance, rent, government payments and insurance, per SBI Card MITC
STATE BANK publishes about ₹18,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Statement credit against the outstanding card balance, SBI Card rewards catalogue
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
An entry-level online-shopping rewards credit card from SBI Card offering 10X reward points at exclusive partners like Myntra and BookMyShow, and 5X points on all other online spends.
₹499 plus applicable GST for both joining and annual fee. The annual fee is waived from the 2nd year onward if you spend ₹1,00,000 or more in the preceding anniversary year.
A ₹500 Amazon.in gift voucher is credited to your registered mobile number within about 30 days of paying the ₹499 joining fee.
Exclusive partners include Myntra, BookMyShow, Cleartrip, Netmeds, Apollo 24x7, Domino's, IGP, Yatra, Swiggy, GyFTR and Tata CliQ, though the exact list may change per SBI Card's terms.
Yes, the combined 10X partner and 5X non-partner online reward points are capped at 10,000 points per month, per SBI Card's programme terms.
No, the SBI SimplyCLICK Credit Card does not include complimentary domestic or international lounge access.
Cardholders receive a ₹2,000 Cleartrip e-voucher each on reaching ₹1,00,000 and ₹2,00,000 in annual online spends.
Applicants typically need a stable monthly income of around ₹18,000–₹20,000, along with a good credit score of 700 or above, though thresholds vary by profile.
Finance charges of 3.75% per month (about 45% per annum) apply to revolving balances not paid in full by the due date.
SimplyCLICK offers accelerated rewards at select partner brands with a low fee; Amazon Pay ICICI offers broader cashback on Amazon with no merchant restriction. Compare both on CredSpy based on your shopping pattern.
CredSpy Pro Tip
Important Notice (2026)
CredSpy Verdict — 3.8/5
Quick Facts
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
SBI SimplyCLICK Credit Card — 10% on online shopping. ₹499 a year.