SBI

SBI SimplyCLICK

Entry-level card · fee waiver achievable around ₹1L annual spend · 3.5% forex markup.

Strong for lounge access (0/year) · Weak for high forex (3.5%) and low base rewards (~0.3%)

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Good for

  • Airport lounge users

Not ideal for

  • International spenders
  • Rewards-focused users

Spend context

  • Estimated monthly rewards: ~₹130/month (base rewards)
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Approximate, based on base rates and current snapshot.

Annual fee
₹499
Lounge
None (domestic)
Forex
3.5%
Not a low-forex card (3.5%).
Reward rate
1 pts/₹100
Below median base earn (0.3% vs ~1%).

Verified with issuer

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Lounge Access

Domestic visits
None
International visits
Not included

International Use

Forex markup
3.5%
Product tier
Entry-level

Fees

Annual fee
₹499
Joining fee
₹499
Fee waiver spend
₹1,00,000 Below catalog median waiver (₹3,00,000 vs ₹1,00,000).

Rewards

Points per ₹100
1 pts
Point value
₹0.25
Effective earn
0.3% (at stated point value)

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