Author: Rupanshi Thapa
|SBI SimplyCLICK Credit Card Rating|
|Reward Benefits ★★★
Annual Fee ★★★★
Co-branded Benefits ★★
Additional Features ★★
|Overall Rating ★★★|
SBI Simply CLICK Credit Card was the second credit card that I got, after using only HDFC MoneyBack for about a year. I was eligible for only two credit cards from SBI Card- SimplySAVE and SimplyCLICK, and since I mostly shop online, the latter was an obvious choice. Here is my hands-on experience with this SBI credit card to help you decide whether you should get it.
Earn up to 10X Rewards Points
Though the credit card has a simple rewards program wherein I would earn 1 reward point per Rs. 100 spent offline, frequent online shopping gives me better rewards. The accelerated reward point benefit by SBI SimplyCLICK credit card are as follows:
- 5X rewards on all online shopping
- 10X rewards on online partners like BookMyShow, Cleartrip, Apollo24x7, Eazydiner, Dominos, Netmeds, Myntra and Yatra
- The accumulated rewards can be redeemed to get more vouchers from Cleartrip or other partners of SBI Card.
The SimplyCLICK SBI Card provides decent benefits on online shopping, especially for those who frequently use their card with the exclusive partners of SBI Card.
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, SimplyClick SBI card earns a below average rate of 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories.
Suggested read: Best Credit Cards for Reward Points
Milestone Benefits to Add to Your Rewards
SBI Simply CLICK Credit Card offers Cleartrip e-vouchers worth Rs. 2,000 each on reaching annual spending milestones of Rs. 1 Lakh and Rs. 2 Lakh. Click here for detailed terms and conditions.
Value Back Comparison: SBI SimplyCLICK Vs. HDFC MoneyBack
To help you understand the value-back better, here is a reward comparison for some common purchases that you would put on this card:
|Transaction||Amount (in Rs.)||Reward Points on SBI SimplyCLICK||Reward Points on HDFC MoneyBack|
|Groceries (Big Basket)||7,000||350||187|
|Other Offline Spends||3,000||30||40|
The main reason why I got this card was its reward rate in comparison to my existing card, that is, HDFC MoneyBack. Though HDFC MoneyBack also offers accelerated earnings on online spends, the overall reward rate is lower than SimplyCLICK SBI Card.
On a general online transaction, SBI SimplyCLICK Credit Card offers a reward rate of 1.25% whereas, on the same transaction, HDFC MoneyBack would give only 0.8% rewards.
Also read: Best Credit Cards in India
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Other SBI SimplyCLICK Credit Card Benefits
Welcome Voucher: Amazon gift voucher worth Rs. 500 on payment of joining fee
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000
Annual Fee Reversal: Annual fee of Rs. 499 reversed on reaching annual spends of Rs. 1 Lakh
Drawbacks of SBI SimplyCLICK Credit Card
SimplyCLICK SBI Card is quite a basic card and has simple features. There are other credit cards in the market having lower/similar fees and better benefits. Some of its drawbacks are:
- Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Axis Ace or Amazon Pay ICICI Card
- Limited options for reward redemption
- The array of collaborated brands under the accelerated earnings are not impressive
Suggested read: Best Credit Cards for Online Shopping
Should you get SBI Simply CLICK Credit Card?
SBI Simply CLICK Credit Card can be a good option if you want a basic credit card with benefits more inclined towards online shopping. As compared to other rewards credit cards in its fee range, the benefits are better. However, if you look at a cashback credit card, you can find many options in the same fee range which would offer better value in a simpler way.
Earlier, I used to put many expenses on this card as the only other card I had was HDFC Moneyback. However, when I got Flipkart Axis and Amazon ICICI Credit Cards, it made more sense to use those cards instead. For me, there were 2 reasons for this shift:
- Amazon and Flipkart cater to every need from electronics to groceries, from accessories to books and stationery. As a result, I got more opportunities to earn value-back so I started putting co-branded expenses on those cards.
- These cards offer direct cashback, directly into the wallet or as statement credit. So there is no hassle of redeeming the rewards which adds to my convenience.
The only advantage that SimplyCLICK SBI Card has over better cashback credit cards are its easier eligibility terms. Being one the most basic cards from SBI Card, the minimum income requirement is also on the lower side. Consider this card if you are looking to take the next step from your first, most basic card. However, if you are eligible for cashback cards mentioned above, I would suggest that you consider them instead.
Also look for Best Cashback Credit Cards in India