SBI SimplyCLICK Credit Card is an entry-level credit card that is best suited for frequent online shoppers. This credit card offers extra rewards and benefits on online transactions at different partner brands like Amazon, BookMyShow, Cleartrip, Lenskart and more. Additionally, you can also earn privileges like complimentary gift vouchers, fuel surcharge waiver and annual fee reversal via this credit card. Read on, to know more about SimplyCLICK SBI Card.
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Key Highlights of SBI SimplyCLICK Credit Card | |
 | |
| Best Suited For | Online Shopping |
| Joining Fee | Rs. 499 |
| Annual Fee | Rs. 499 (Reversed on spending Rs. 1 lakh in a year) |
| Welcome Benefit | Amazon e-gift voucher worth Rs. 500 |
| Best Feature | 10X reward points for every Rs. 100 spent at partner merchants |
| Paisabazaar’s Rating | ★★★ (3/5) |
Also read: 10 Best Credit Cards in India
| On this page |
*Offer valid till September 30, 2022.
SBI SimplyCLICK Credit Card lets you earn reward points on every purchase. Besides this, you can also avail other benefits like free e-gift vouchers, annual fee reversal, fuel surcharge waiver and much more. Here are some of the major SBI SimplyCLICK Credit Card benefits:
With this credit card, you can earn up to 10X reward points on your purchases at merchants. Below mentioned are the details regarding the same:
On achieving the spending milestone, you can earn up to two complimentary e-gift vouchers as per the below details:
Suggested Read: 25 Best Credit Cards in India for 2022
Some of the other SBI SimplyCLICK Credit Card benefits are mentioned below:
Welcome Benefit: E-gift voucher from Amazon worth Rs. 500 after the payment of the joining fee.
Annual Fee Reversal: Annual fee reversal on spending Rs. 1 lakh in a year.
Fuel Surcharge Waiver: 1% fuel surcharge waiver (Max. of Rs. 100 per statement cycle) for each transaction between Rs. 500 and Rs. 3,000.
Below mentioned are the fees and charges applicable to SBI SimplyCLICK Credit Card:
| Type of Fee/ Charge | Amount |
| Annual Fee | Rs. 499 |
| Renewal Fee | Rs. 499 (Reversed on spending Rs. 1 lakh in a year) |
| Finance Charges | 3.50% p.m. (42% p.a.) |
| Late Payment Fee* | For Statement Balance
|
Click here to view other associated fees and charges.
*An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
To be eligible for SimplyCLICK SBI Card, you must have a good credit score (preferably 750+). In addition to this, you must meet the below-given criteria as well:
| Criteria | Details |
| Age Requirement | 18 to 60 years |
| Occupation | Salaried or Self-employed |
| Documents Required | Click here for the list of acceptable documents |
| Serviceable Cities | Click here for the list of eligible cities |
SBI SimplyCLICK Credit Card is one of the most popular credit cards available in the market because of its features and relaxed eligibility. This credit card is designed for people who are looking for a credit card that offers benefits on online shopping but don’t want to pay a high annual fee. With an annual fee of Rs. 500, you can earn up to 10X reward points on your purchases at merchants, complimentary e-gift vouchers on achieving spending milestones and a fuel surcharge waiver.
The joining fee charged by the bank is justified as it offers an e-gift voucher worth Rs. 500 as a welcome benefit. Not only this, you can avail this credit card for free by spending Rs. 1 lakh in a year. However, if your goal is to earn decent reward points on your purchases, then this might not be the best option as it offers higher reward points only on selected merchants. In such a case, you can look for top credit cards for reward points.
Some of the credit cards that offer benefits similar to this SBI Credit Card, are mentioned in the table below:
| Credit Card | Annual Fee | Key Feature |
| SBI SimplySAVE Credit Card | Rs. 499 | 10X reward points on dining, movies, grocery and departmental store spends |
| HDFC Moneyback+ Credit Card | Rs. 500 | 10X CashPoints on purchases at Amazon, Swiggy, BigBasket, Reliance Smart SuperStore and Flipkart |
| Standard Chartered Super Value Titanium Credit Card | Rs. 750 | 1 reward point for every Rs. 150 spent |
| Citibank Rewards Credit Card | Communicated at the time of sourcing | 10X rewards on every Rs. 125 spent at apparel & departmental stores |
| HSBC Smart Value Credit Card | Nil | 3 reward points per Rs. 100 spent on online, dining and telecom categories |
*Offer valid till September 30, 2022.
Q. How can I apply for SBI SimplyCLICK Credit Card?
A. Currently, this credit card is sourced through Paisabazaar and you can apply for this card by clicking here. Apart from this, you can also apply for this credit card through the official website of the bank or by visiting the nearest branch of the bank. All you need to do is fill out an application form and submit it along with the relevant documents.
Q. What is the credit limit offered on SBI SimplyCLICK Credit Card?
A. SBI SimplyCLICK Credit Card limit depends on your income, credit score, the highest limit on existing credit cards and many other internal factors. This is why the limit varies from one applicant to another. SBI Card does not communicate the credit limit at the time of application; you will get to know about your limit only when you get your new SBI SimplyCLICK SBI Card.
Q. How can I redeem the earned reward points on my SBI SimplyCLICK Credit Card?
A. You can call on the customer care number of the bank and the representative will help you with the redemption process. Besides this, you can also redeem your earned reward points through internet banking or via a mobile app. All you need to do is log in to the portal or app using your credentials and redeem your reward points. You can click here to see the detailed process.
Q. How can I track my SBI SimplyCLICK Credit Card application status?
A. SBI Card will regularly inform you regarding your credit card application progress. You will receive a text on your registered mobile number stating your current application status. However, if you want, you can track your application status through the official website of the bank or by calling on the SBI Credit Card customer care number.
Q. What is the foreign currency transaction fee charged on SBI SimplyCLICK Credit Card?
A. The foreign currency transaction fee charged on this credit card is 3.50% of the transacted amount. Therefore, it is not an ideal credit card for foreign currency transactions, you can look for top credit cards for international use if you want to avail such benefits.
Q. How can I pay my SBI SimplyCLICK Credit Card bill?
A. You can pay your credit card bill through online as well as offline ways. The online payment options include NEFT, electronic bill payment, National Automated Clearing House (NACH), Visa credit card pay, debit card, etc. You can pay the credit card bill offline by cash, cheque, demand draft and SBI ATM.
