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Last updated: 01-06-2026
SBI SimplyCLICK Advantage Credit Card
SBI Card

SBI SimplyCLICK Advantage Credit Card

"Upgraded SimplyClick with 10X rewards on 8 online partners, โ‚น5,000 annual milestone vouchers and domestic lounge access"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the preceding membership year
๐ŸŽฏ Best Suited For
Frequent online shoppers who want higher milestone benefits and lounge access vs base SimplyClick; those spending โ‚น2L+ annually online
๐ŸŽ Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on 10X partners, 1.25% on other online)
๐ŸŽ‰ Welcome Benefit
โ‚น500 Amazon e-gift voucher on payment of joining fee
๐Ÿ’ฐ Reward Rate
10 RPs per โ‚น100 on exclusive online partners: BookMyShow, Apollo24X7, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, Yatra โ€” capped at 10,000 RPs per month; 5 RPs per โ‚น100 on all other online (1.25%); 1 RP per โ‚น100 on offline (0.25%); excludes fuel, EMI, wallet, utilities, rent, government
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
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โœ… Pros
  • 10X on 8 popular online partners โ€” same as base SimplyClick
  • โ‚น5,000 annual travel vouchers on โ‚น2L online spend
  • 4 domestic lounge visits per year
  • Low 1.99% forex markup
  • โ‚น500 Amazon welcome voucher
โŒ Cons
  • Higher โ‚น1,499 fee vs โ‚น499 base SimplyClick
  • 0.25% on offline spends โ€” very poor
  • Redemption fee โ‚น99
  • 10X cap 10,000 RPs per month
  • Fee waiver requires โ‚น3L spend โ€” vs โ‚น1L on base SimplyClick

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (4 RPs = โ‚น1; effective 2.5% on 10X partners, 1.25% on other online)
Welcome Benefits
โ‚น500 Amazon e-gift voucher on payment of joining fee
Reward Rate
10 RPs per โ‚น100 on exclusive online partners: BookMyShow, Apollo24X7, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, Yatra โ€” capped at 10,000 RPs per month; 5 RPs per โ‚น100 on all other online (1.25%); 1 RP per โ‚น100 on offline (0.25%); excludes fuel, EMI, wallet, utilities, rent, government
Reward Redemption
SBI Card website or app: gift vouchers, merchandise, statement credit; 1 RP = โ‚น0.25; redemption fee โ‚น99 + GST; Flexipay EMI
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น100 per month
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh annual spend
Milestone Benefits
โ‚น2,000 Cleartrip voucher on โ‚น1L online annual spend; โ‚น3,000 additional voucher on โ‚น2L online annual spend; โ‚น5,000 total vouchers per year; annual fee waiver on โ‚น3L spend
Other Benefits
4 domestic lounge visits per year; 1.99% forex markup โ€” low; โ‚น5,000 annual travel vouchers on โ‚น2L online spend; 10X on 8 online partners; contactless payments; Flexipay EMI; add-on cards

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Lost card liability cover; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
10X on 8 online partners; โ‚น5,000 annual vouchers; 4 domestic lounge visits; 1.99% forex

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh or more in the preceding membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Redemption fee โ‚น99 + GST; 10X cap 10,000 RPs per month; higher fee vs base SimplyClick

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โ‚น30,000; Indian resident; CIBIL 700+
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and SBI Card assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Lost card cover; zero liability
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 (24x7)
Chat / Email Support
Chat via SBI Card app; email: customercare@sbicard.com
Mobile App
SBI Card app
Online Banking
SBI Card website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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