SimplyCLICK SBI Credit Card is an entry-level credit card designed for online purchases. Use the SimplyCLICK SBI Card to save money every time you spend. The annual price from the second year onward is also Rs. 499, as is the first-year fee, also known as the joining fee. If you spend at least Rs. 1 lakh a year, there is no annual charge. This card has an interest rate of up to 3.50% per month or 42% annually.
This card is ideal for online shopping because it gives 10x reward points at some of the most well-known websites for travel and shopping, such as Lenskart, Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Yatra. The 10x Rewards list used to include Amazon as well, but it has since been removed, thus the card now only offers 5x Rewards on Amazon. You receive one reward point for every Rs. 100 spent on all offline purchases and five times the rewards for other online and offline expenditures.
Key Highlights of SBI SimplyCLICK Credit Card |
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| Best Suited For | Beginners | Rewards on Everyday Expenses |
| Joining Fee | Rs. 499 |
| Annual Fee | Rs. 499 |
| Welcome Benefit | Get Amazon.in gift card worth Rs.500* on payment of Annual Fee of Rs. 499 +taxes. |
| Reward Benefit |
Earn 10X Reward Points on online spends with exclusive partners:
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| Fuel Benefit | 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 |
| Best Feature | E-Vouchers From Cleartrip / Yatra worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh |
*Terms and conditions apply.
Suggested Read : 10 Best SBI Credit Cards in India
| How to Redeem SBI Reward Points? |
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If you visit the official SBI Card website, you can use the reward points you've earned on your credit cards online. Visiting the partner merchant store is another way to redeem them. For an alternative method of redeeming your reward points, you can also call the SBI Card helpdesk 39020202 (prefix local STD code). Up until a specified limit, points can be redeemed in multiples of 2000. |
Here are the details about the charges for The 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.) | |
| Add-on fee per annum | Nil | |
| Late Payment Fee* |
For Statement Balance
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| Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs | 2.5% of the transaction amount or Rs.500 (whichever is higher) | |
| Cash payment fee | Rs.250 + applicable taxes (from 1 September 2021) | |
| Overlimit | 2.5% of overlimit amount or Rs.600 (whichever is higher) | |
| Payment dishonor fee | 2% of the amount (minimum of Rs.500) | |
| Cheque payment fee | Rs.100 | |
| Statement retrieval | Rs.100 per statement which is over 2 months old | |
| Rewards redemption fee | Rs.99 (only on cash redemption, gifts, and specific vouchers) | |
| Overdue finance charge | 3.65% per month (43.8% per annum) | |
| Fee for increasing credit limit | Rs.200 per request for increase | |
| Network change fee | Rs.200 per request for network upgrade or network downgrade | |
Eligibility Criteria of SBI Credit Card SimplyCLICK
The requirements to be eligible for a SimplyCLICK SBI Card are as follows:
Documents Required to Apply for the SimplyCLICK SBI Card
When submitting an application for a SimplyCLICK SBI Card, the following files must be uploaded or submitted:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card. |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document. |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
If you're into online shopping, The SBI Simply CLICK Credit Card is a decent choice for a basic card. It offers better perks compared to similar cards in its price range. But if you prefer cashback, there are simpler and more valuable options available with similar fees.
Before, I used this card for most of my expenses because my only other option was the HDFC Moneyback card. But when I got the Flipkart Axis and Amazon ICICI Credit Cards, it became more logical to use them instead. There were two main reasons for this change:
The main advantage of The SimplyCLICK SBI Card is its simpler eligibility criteria. It's one of SBI Card's basic cards, so the minimum income requirement is relatively lower. If you're moving up from your first basic card, this could be a good choice.
Here are some credit cards that provide similar benefits to the SBI Credit Card, listed 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 |
| HSBC Smart Value Credit Card | Nil | 3 reward points per Rs. 100 spent on online, dining and telecom categories |
You have the option to compare and apply for SBI SimplyCLICK Credit Card conveniently online through MybankingTips. Here are the steps to do so:
The card issuer has not revealed the minimum or maximum credit card limit associated with the SimplyCLICK SBI Credit Card, as there isn't a set limit. Your credit history and previous payment patterns determine the credit limit that is given to you. Those with excellent credit may receive a greater limit, while those with everyday credit may have a limit that is significantly lower. But, you can ask for a greater limit by contacting customer service or going to the bank if you're not happy with the limit that came with your SimplyCLICK SBI Card. However, before requesting an increase in your credit limit, you should make sure that you use your card responsibly for a while. You have a variety of options when it comes to raising your credit limit.
The various methods listed below can be used to either generate the PIN or activate your Simply Click SBI Card:
It's simple to register your credit card for online banking by following the procedures listed below:
Paying credit card bills on time is an important rule that all credit cardholders have to commit to. You should be aware that there are other ways to pay your credit card account, so in case that your first choice isn't working, you can use the second one. The various methods for paying your SBI SimplyClick Credit Card bill are as follows:
You can get assistance with the redemption process by calling the bank's customer service number. In addition, you can use a mobile app or online banking to redeem your accrued reward points. To redeem your reward points, all you have to do is enter your login credentials and access the portal or app.
SBI Card will keep you updated on the status of your credit card application on a regular basis. Your application progress will be updated via a text message sent to the registered mobile number you provided. But, if you'd like, you may check the status of your application by visiting the bank's official website or giving the SBI Credit Card customer service number a call.
You have the option of paying your credit card bill offline or online. NEFT, electronic bill payment, Visa credit card pay, debit card, National Automated Clearing House (NACH), and so on are among the online payment options. The credit card bill can be paid offline with cash, cheque,, demand draft, or SBI ATM.
A foreign exchange transaction fee charged by SBI Simply CLICK Credit Card represents 3.50% of the total amount transacted. Because of this, it is not the best credit card for using when transacting in foreign currencies. If you would like to take advantage of these benefits, search for the best credit cards for use abroad.
You can apply for the SBI Simply CLICK Credit Card by the closest SBI branch or the official SBI Card website. All you have to do is complete an application and send it in with the necessary paperwork.
Your income, credit score, the maximum limit on your current credit card, and lots of other internal factors determine your SBI SimplyCLICK Credit Card limit. For this reason, the upper limit differs for every application. Your credit limit will only be disclosed to you upon receiving your new SimplyCLICK SBI Card; it is not disclosed during the application process for an SBI Card.
The characteristics and advantages of the SBI SimplySAVE and SimplyCLICK credit cards are unique. While the SimplySAVE credit card offers benefits on common in-store expenses like groceries, dining, movies, etc., the SimplyCLICK credit card offers rewards on online purchases, particularly at partner stores like Netmeds, BookMyShow, Cleartrip, etc.
The SBI SimplyCLICK credit card offers extra benefits to those who shop online frequently. If you often make use of affiliated businesses such as UrbanClap, FoodPanda, BookMyShow, and Cleartrip. In addition, you will receive ten times more reward points for spending money on partner e-commerce sites, which you can then convert into gift cards. In addition, cardholders who spend more than Rs. 1 lakh would not be charged a yearly fee.
Yes, you will be required to pay a processing charge equal to 2.5% of the total amount converted to Flexipay, with a minimum of Rs. 249 and a maximum of Rs. 1,500, in addition to any applicable taxes.
The Flexipay service allows you to select between a repayment period of six, nine, twelve, or twenty-four months, depending on your convenience.
If you are a client of BSNL or MTNL, you can use the Flexipay option by phoning 39 02 02 02 or 1860 180 1290, or by logging into your SBI Card online account. You can also send an SMS with the code FP to 56767.
Do not use your lost credit card if you recover it after it has been blocked. Make sure you cut the card through the magnetic strip in order to destroy it.
If you misplace your SBI SimplyClick credit card, call the bank's customer service number to speak with a customer service representative as soon as possible. Ask to have your SBI credit card disabled. You can also ask to have your card disabled by going to the SBI branch that is closest to you. Following that, you can ask the bank to give you a second card.
The SBI SimplyCLICK Credit Card has an annual membership cost of Rs. 499 (plus relevant taxes).
When you make purchases online at BookMyShow, Cleartrip, Lenskart, Netmeds, Yatra, and Dominos, you receive 10x Reward Points (1 per Rs. 100), 5x Reward Points (5 per Rs. 100), and 1 Reward Point per Rs. 100 when you make purchases offline using the card.
The Reward Points that can be accumulated on the SBI SimplyCLICK Credit Card, or any other SBI Card credit card, are valid for two years, or 24 months.
No, there is no free airport lounge access offered with the SBI Simply Click Card.
Interest rate charged on SBI SimplyCLICK credit card is 3.50% p.m. (42% per annum)
Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:
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