SimplyCLICK SBI Card

• Online spends (5X reward points) — 10,000 RP / month (shared cap — Online spends (5X reward points))

• Rent — Not eligible. Rent rewards discontinued from 1 Apr 2024.
• Fuel — Not eligible. Offline fuel transactions (MCC 5172, 5541, 5983, 5542) and purchases at petrol pumps / service stations are not included in the Reward Points program.
• Government — Not eligible. Reward points on government-related transactions (MCC 9399, 9311) are discontinued from 1 June 2024 (SimplyCLICK T&C item n).
• Wallet — No reward.

• Spend ₹1,00,000 per card year → benefit worth ₹499 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.1 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
• Milestone → benefit worth ₹500 — Welcome gift: a one-time Amazon Pay Gift Card worth ₹500, issued only after the first-year annual membership fee of ₹499 is paid for the eligible year; the voucher code is sent within 21 days of payment. Redeemable on Amazon.in / app; the Amazon Pay balance can be added within 6 months and stays valid 12 months; not redeemable in parts or for cash. This is the welcome gift only: Amazon is NOT a 10X exclusive partner. Source: SimplyCLICK SBI Card T&C (Simply Click-T&C-1SEP25.pdf), Welcome Gift terms.
• Spend ₹1,00,000 per card year — Milestone gift: an e-voucher worth ₹2,000 on reaching annual ONLINE spends of ₹1 lakh; either a Cleartrip (domestic / international flight bookings) or a Yatra (flights, domestic hotels and holidays) voucher is issued at SBI Card's discretion with no brand choice, valid 4 months, single transaction, not exchangeable for cash. Not counted in the financial engine: the threshold is based on online spend only and the voucher is a restricted single-use travel voucher, so its value is left unquantified. Source: SimplyCLICK SBI Card T&C (Simply Click-T&C-1SEP25.pdf), Milestone Gift terms (Cleartrip, Yatra).
• Spend ₹2,00,000 per card year — Milestone gift: an e-voucher worth ₹2,000 on reaching annual ONLINE spends of ₹2 lakh; either a Cleartrip (domestic / international flight bookings) or a Yatra (flights, domestic hotels and holidays) voucher is issued at SBI Card's discretion with no brand choice, valid 4 months, single transaction, not exchangeable for cash. Not counted in the financial engine: the threshold is based on online spend only and the voucher is a restricted single-use travel voucher, so its value is left unquantified. Source: SimplyCLICK SBI Card T&C (Simply Click-T&C-1SEP25.pdf), Milestone Gift terms (Cleartrip, Yatra).

Bank eligibility / internal underwriting

• Payment network: Visa (Earlier catalogue value; not confirmed by current SBI documents)
• Airport lounge: Not recorded by DhanChakshu — check the issuer terms
• Fuel surcharge waiver: fuel waiver max ₹100/mo.
• Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (SimplyCLICK SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.

• Renewal fee ₹499 plus applicable taxes, charged every year for SimplyCLICK SBI Card
• Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
• Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
• Cheque payment fee ₹200
• Card replacement fee between ₹100 and ₹250 depending on the card variant

3 areas need further verification. None of these are counted as zero.

• • FASTag — depends on how the transaction is processed
• • Lounge benefit — not recorded; check the issuer terms
• • Payment network — shown from DhanChakshu's earlier catalogue; the current SBI SimplyCLICK terms name an American Express variant but do not state which networks the card is issued on