Q: Is the 10X reward on Swiggy Unlimited? 
The 10X reward rate applies to Swiggy transactions, subject to monthly accumulation limits. Check SBI Card's current T&C for the cap on 10X rewards.
Q: How do I redeem SBI reward points? 
Reward points earned on SimplyCLICK can be redeemed on SBI's rewards portal for Amazon gift cards, flights, hotels, or cash credit, at 1 RP = ₹0.25.
Q: What happens if I don't spend ₹1 lakh in a year? 
The annual fee of ₹499 + GST will be charged if your annual spend is below ₹1,00,000.