SimplyCLICK SBI Card
SBI Card • Visa / Mastercard
10X Rewards on partner brands & 5X on online shopping
Underwriting & Income Cutoffs
warningSwiggy 10X Reward Partner Downgrade
Swiggy reward rate was devalued from 10X (2.5%) to 5X (1.25%) reward points.
SBI ne Swiggy par reward points ko aadha kar diya hai. Ab 10X ki jagah sirf 5X points (1.25% return) milenge.
Source: SBI Card Customer Notices Portal 2025; DesiDime Forum; Technofino
warningCleartrip Voucher Single-Redemption Restriction
Milestone e-vouchers issued on Cleartrip cannot be stacked; only 1 voucher can be applied per booking.
Cleartrip ke free vouchers ka sabse bada catch ye hai ki aap ek booking me 2 ya 3 vouchers ek sath use (stack) nahi kar sakte, sirf ek voucher hi chalega.
Source: Technofino Community, DesiDime, Reddit r/CreditCardsIndia
warningCleartrip Partner Devaluation
Cleartrip voucher milestone redemption value restricted to single transaction usage without carryover credit
Cleartrip ke voucher ko ek hi booking me pura use karna hota hai. Agar ticket voucher se sasti hai, toh bacha hua paisa (carryover credit) expire ho jayega.
Source: Technofino; DesiDime; Reddit
Calculate Your Real Annual Profit on SimplyCLICK SBI Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind SimplyCLICK SBI Card
SimplyCLICK SBI Card (SBI Card) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 2.5% tak ka value back chahte hain. Lekin ₹499 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (2.5% return): Fee recover karne ke liye sirf ₹1,663 / mahina (₹19,960 / saal) spend zaroori hai.
• Regular Offline Spends (0.25% base return): Fee recover karne ke liye lagbhag ₹16,633 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹19,960 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹1,663/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
Top Direct Alternatives to SimplyCLICK SBI Card
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Frequently Asked Questions
What is the annual fee of SimplyCLICK SBI Card and how can it be waived?expand_more
SimplyCLICK SBI Card ki joining aur annual renewal fee ₹499 + 18% GST (Total: ₹588.82) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for SimplyCLICK SBI Card?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹20,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does SimplyCLICK SBI Card reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.