SBI Card · Entry
SimplyCLICK SBI Card
Where it ranks across all 187 cards
#17 Health & pharmacy
2.5%
at Pharmacy (Apollo/1mg)
direct
#29 Movies & events
2.5%
at BookMyShow
direct
#33 Food delivery
2.5%
at Swiggy
direct
#44 Electronics
1.3%
direct
#53 Fashion
1.3%
direct
#54 Groceries
1.3%
direct
#56 Online shopping
1.3%
direct
#77 Insurance
0.3%
direct
#86 Education
0.3%
direct
#120 Jewellery & watches
0.3%
direct
#131 Mobile / broadband
0.3%
direct
#143 Train tickets
0.3%
direct
#150 Cabs & transit
0.3%
direct
#158 Flights
0.3%
direct
#158 Hotels
0.3%
direct
#158 Other
0.3%
direct
#163 Dining out
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: SimplyCLICK MITC - sbicard.com - read 20 Aug 2026
10X partner merchants
2.50%this rule
10 pts / ₹100
source
Source: SimplyCLICK T&C - sbicard.com - read 20 Aug 2026
5X other online (capped 10,000 RP/month, then 1RP/₹100)
1.25%this rule
5 pts / ₹100
source
Source: SimplyCLICK T&C (bank PDF, verified Aug 2026) - sbicard.com - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on7 exclusions
Fuel
earns nothing
Offline fuel excluded from rewards.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5983, 5542
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing w.e.f.
→ use Axis Burgundy Private here (5.2%)
detail & source
1 Apr 2024.
categories: Rent · MCCs: 6513
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded w.e.f.
→ use SC Ultimate here (3.3%)
detail & source
1 Jul 2020.
categories: Wallet load · MCCs: 6540, 6541
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
1 Jun 2024.
categories: Government / tax · MCCs: 9399, 9311
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Gaming
earns nothing
Digital gaming excluded w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Dec 2024.
categories: Gaming · MCCs: 5816, 7993, 7994
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Utility bills
earns nothing
Utility bill payments via SBI Card app/site earn base 1X only (no 5X; no MCC list published).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded (w.e.f.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
20 Nov 2020).
categories: EMI
Source: SimplyCLICK SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026