SBI SimplyCLICK Credit Card Review

Among SBI Card’s numerous credit card offerings, SBI SimplySAVE and SimplyCLICK are among the most popular cards in the market because of their easier eligibility terms. SBI SimplyCLICK credit card is a regular card with basic features and some extra benefits on online shopping, thus the name SimplyCLICK. Here is SBI SimplyCLICK credit card review to help you decide whether you should add this card to your wallet.

Checkout 7 reasons why you should get SBI SimplyCLICK Credit Card

Welcome Voucher

SBI SimplyCLICK card charges a joining fee of Rs. 499 but gives it back in the form of e-gift vouchers from Amazon.in worth Rs. 500. The voucher code will be sent to your registered mobile number and email ID, once you pay the joining fee. The voucher can be added to your Amazon Pay balance and is valid for 12 months from the date of adding. Click here for detailed terms and conditions.

Up to 10X Reward Points on Transactions

Though the credit card has a simple rewards program wherein you would earn 1 reward point per Rs. 100 spent offline, online shopping would give you better reward earnings. The accelerated reward points offered would be:

• 5X rewards on all online shopping
• 10X rewards on online shopping with partners like BookMyShow, Lenskart, Cleartrip, Apollo24x7, Eazydiner and Netmeds

The accumulated rewards can be redeemed to get more vouchers from Cleartrip or other partners of SBI Card.

The SimplyCLICK SBI Card is a great online shopping credit card, especially for those who frequently use their card on the partnered merchants. For instance, on select online partners, the card earns a solid 2.50% rewards rate (10 points per Rs. 100 spent, 4 points = Rs. 1). Furthermore, the card offers a  satisfactory rewards rate of 1.25% on all online spending (5 points per Rs. 100, 4 points = Rs. 1). However, the card earns a below average rate of 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories. Hence, this card is a good option for consumers who are seeking a card for online shopping, but not for those who are looking for an everyday use card.

SBI SimplyClick Comparison with other similar cards

Fuel Benefit on SBI SimplyCLICK Card

SBI SimplyCLICK Credit Card also offers 1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000. This waiver can be availed at all petrol pumps across the country. The maximum waiver per card per statement cycle has been capped at Rs. 100.

Though this fuel benefit is not much as compared to the fuel-centric credit cards in the market, it is suited for those who have minimal fuel needs in a month and do not have any other card with fuel surcharge waiver.

Related Read: Best Fuel Credit Cards in India

Milestone Benefit

You can get e-vouchers of Rs. 2,000 each on reaching spending milestones of Rs. 1 Lakh and 2 Lakh. The voucher will be from Cleartrip and will be sent to your registered mobile number in the statement succeeding the one in which you reach the set spending milestone. 

Click here for detailed terms and conditions.

Reasonable Annual Fee and Reversal Cap

For a credit card with basic features, the annual fee of Rs. 499 is reasonable. Also, on spending Rs. 1 lakh in a year, the fee will be reversed. You may find other credit cards in the market with similar or lower annual fees and better terms and conditions. However, the eligibility terms related to income and occupation may be strict for those cards making it difficult for a lot of people to get approved for those cards. Hence we can say that the Rs. 499 annual fee for SBI SimplyCLICK Credit Card is justified in accordance with the benefits that the card offers. 

Other Benefits of SBI SimplyCLICK Credit Card

On all of its credit cards, SBI Card offers some common benefits such as-

Drawbacks of SBI SimplyCLICK Credit Card

SBI SimplyCLICK is quite a basic card and has simple features. There are other credit cards in the market having lower fees and better benefits. Some of its drawbacks are:

• No particular benefits on travel, dining or entertainment
• Online shopping benefits come in the form of rewards the value of which may not be worth the amount spent
• Limited options for reward redemption

Who should get this card?

You should consider getting SBI SimplyCLICK Credit Card if you:

• Already have an active credit history
• Wish to get an SBI Card but cannot get approved for premium cards like ELITE and PRIME
• Wish to get benefits on online shopping but wouldn’t want to pay a big annual fee for it
• Want an additional credit card just for some extra credit limit
• Have a small fuel expense every month but would like to avoid the fuel surcharge
• You frequently use your card on Cleartrip, Bookmyshow, EazyDiner, Netmeds, Apollo 24/7, Lenskart

Bottom Line

SBI SimplyCLICK Card is one of the most used credit cards in the market because of easy eligibility and low annual fee. If you are looking for a credit card just for an additional credit limit, it could be good. However, if you want a card to get benefits on online shopping, do your research to find out whether you are eligible for other online shopping credit cards such as ICICI Amazon Pay, HSBC Cashback, HDFC MoneyBack, etc.