SBI Simply click credit card - Features, Benefits & Charges

SBI SimplyCLICK Credit Card (4.7)

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Tired of adding your favourite items to your wishlist only to leave them there due to your tight finances? But that won't happen if you earn 10x reward points on buying them with the SBI SimplyClick Credit Card! This credit card has a joining and annual fee of just ₹499 and comes with an Amazon gift voucher, 5X reward points on all other online purchases, fuel surcharge waiver, and much more. Get a detailed review of the SimplyClick Credit Card and save with every purchase.👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Amazon gift card worth ₹500 on payment of Annual Fee of ₹499 + taxes.

Reward Points
  • 1 reward point on every ₹100 spent.
  • 10x reward points for online purchases made at partner stores, including Cleartrip, Bookmyshow, EazyDiner, Netmeds and Apollo 24/7.
  • 5X reward points on all other online spends.
  • Reward Rate = 0.25% to 2.5%
Milestone Benefit
  • 1 Cleartrip e-voucher worth ₹2,000 on annual online spends of ₹1 lakh.
  • 1 Cleartrip e-voucher worth ₹2,000 on annual online spends of ₹2 lakh.
Fuel Surcharge

1% fuel surcharge waiver for each transaction between ₹500 & ₹3000 (exclusive of GST, wherever applicable, & all other charges)

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

42%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

80%

Card Replacement Fee

₹ 100

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Balance from ₹0 to ₹500

₹ 0

Balance from ₹500 to ₹1000

₹ 400

Balance from ₹1000 to ₹10000

₹ 750

Balance from ₹10000 to ₹25000

₹ 950

Balance from ₹25000 to ₹50000

₹ 1100

Balance more than ₹50000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. The Amazon voucher received as a welcome gift covers the annual fee charged.
  2. Easy to use as this card can be used at over 24 million outlets across the globe.
  3. Outstanding amount of other bank credit card can be transferred to be paid as low-interest EMI.
  4. 5X reward points on online purchases.
Cons

Aspects this credit card lacks.

  1. There is no exemption from the yearly charge for expenditures over ₹ 1,50,000.
  2. No access to the domestic lounges.
  3. Cash Advance, Balance Transfer, Encash, Flexipay and Offline Fuel transactions not included in reward point program.
SBI SimplyCLICK Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(3.5)

SBI SimplyClick Credit Card Review

The SBI SimplyCLICK Credit Card is a suitable choice for individuals who prioritize online shopping and seek a rewards credit card with a low annual fee. It offers decent reward points on all purchases, with additional benefits for online spending and exclusive partner rewards. 

Compared to other rewards credit cards in its fee range, the SimplyCLICK SBI Card provides competitive benefits. Nevertheless, if you're open to the idea of cashback cards, you'll find several options in the same fee range that offer a more straightforward way to get value back. Some of them are:

1. HDFC Moneyback+ Credit Card
2. Standard Chartered Super Value Titanium Credit Card

Overview

Best For Online shopping
Joining Fee   ₹499
Renewal Fee

 ₹499

Reward Rate 0.25% to 2.5%
Welcome Benefits Amazon gift card worth ₹500 
Best Feature  Rewards from Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart.

Who should get SBI SimplyClick Credit Card?

The SBI SimplyClick Credit Card is designed for those with regular incomes who wish to save money on their purchases by using a credit card with a low annual fee. It will also be an excellent pick for folks who often buy online since the card offers expedited reward points on online purchases. If users like online shopping and seek a credit card with a low annual fee and maximum advantages, this card is for them.

Rewards

Spend Category Reward Points
Online purchases at partner stores

10X

All other online spends 5X
Other Categories 1 reward points per ₹100 spent.

Note:1 Reward Point= ₹0.25

How to apply for an SBI SimplyClick Credit Card?

Users may apply for the SBI SimplyClick Credit Card online and offline, depending on their preference. To apply for this card offline, users have to go to their local SBI Bank and fill out the Simply Click Card physical application form.

To apply online, follow the procedures outlined below:

  • Visit the SBI Card's official website.
  • Click 'Apply Now' beside the 'Apply' button.
  • The screen will show all of the SBI credit cards. Choose the  SBI SimplyClick Credit Card and press the Apply Now button.
  • Fill out all of the essential information and apply for the card.
  • The user's application number will be emailed and sent as an SMS to the phone number the user provided.
  • Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

SBI SimplyClick Credit Card Eligibility

Applicants must be 21 to 70 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
SBI Card Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

SBI Card

SBI Card Credit Card Customer Care Number:

1800 425 3800

SBI Card Card Offers:

View Offers

Total Cards:

1,91,17,365
SBI Card Credit Card News
23 Mar 2024, Saturday
1. SBI Card and Titan Team Up to Launch Exclusive Shopping Credit Card - Titan SBI Card

SBI Cards and Titan have joined forces to introduce the Titan SBI Card, a co-branded credit card aimed at fulfilling customers' aspirations for premium shopping. This card offers a variety of benefits, including:

  • Lucrative cashback: Cardholders can enjoy a generous 7.5% cashback on purchases at Titan stores (watches, Taneira, Titan EyePlus, and other non-jewellery brands) and 5% cashback at partner stores (Mia, Caratlane, and Zoya).
  • Annual benefits exceeding Rs 2 lakh: The Titan SBI Card promises rewards worth over ?2,00,000 annually through cashbacks, gift vouchers, and reward points (specific details not mentioned in the sources reviewed).
04 Mar 2024, Monday
2. SBI Card changes reward program, ends rent points and physical DreamFolks Cards.

SBI Card is making changes to its credit card program starting 1 April, 2024. These changes include:

  • No more reward points for paying rent with many of their cards.
  • They will no longer issue physical cards for DreamFolks memberships.
  • They are updating their minimum payment calculation method to be more transparent and fair.

Here's some of the list of affected Credit Cards:

30 Oct 2023, Monday
3. State Bank of India Card (SBI Card) has announced its plans to introduce a fresh array of shopping credit cards in partnership with Reliance Industries.

According to reports, the upcoming credit card offering from Mukesh Ambani, Asia's richest man, is expected to be named 'Reliance SBI Card'. The new credit card is set to provide customers with a host of "exclusive" benefits that are designed to enhance their shopping experience.

It is launching two credit cards in collaboration with Reliance. The first one is called Reliance SBI Card and has a joining fee of Rs. 499. It offers basics such as discounts on shopping with Reliance Brands. The second one is called Reliance SBI Card Prime and has a joining fee of Rs. 2999. It offers more benefits such as complimentary lounge access along with discounts on Reliance Brands. SBI Card will release more information about these cards when they are launched officially.

15 Oct 2023, Sunday
4. Earn Rs. 250 Amazon voucher when you connect your SBI RuPay credit card to UPI.

As part of this program, SBI RuPay credit cardholders have the opportunity to link their card with their preferred UPI app and make transactions of at least Rs 100 during the offer period, which runs from October 12, 2023, to November 11, 2023. Upon meeting this requirement, they will receive a Rs 250 Amazon Discount E-voucher that can be used for either a 3-month or 12-month Amazon Prime membership.
Each cardholder is entitled to receive only one voucher, which will be sent via email to their registered email address on or before December 31, 2023.
The E-vouchers are valid until April 30, 2024, and can be used to extend Amazon Prime memberships by up to 12 months, with a limit of one extension per customer. 

22 Apr 2023, Saturday
5. SBI beats peers in new cards added for February

SBI and Axis Bank are leading the credit card market in terms of new cards added for the month of February. Axis Bank, with the new found customer base of Citi Bank showed a growth of 11.7%. In terms of new customers, the number stood at 2,00,000 new cards issued.

SBI on the other hand, singlehandedly lead the race with a growth of 19.8% for the same period, adding 3,00,000 new cards issued by the legacy bank.

The two leaders were followed by ICICI Bank, and Kotak Mahindra Bank with 80,000 additions. HDFC Bank trailed the top 5 list with only 60,000 cards added to its existing numbers.

11 Apr 2023, Tuesday
6. SBI Card revises cashback benefits on service

Starting 1st May 2023, SBI will revise some of its cashback and discount services. Under the revision, the domestic airport lounge services will be discontinued. Apart from these, cashback on services like jewellery, school and educational services, utilities, insurance services cards, member financial institution/quasi cash, and railways and others will also be axed. The bank will also be setting a limit on cashback that can be availed through online and offline transactions to Rs 5,000 per statement cycle. These changes come after SBI cards recorded the highest new card issuances at 3,00,000 in February. Yet, SBI also experienced a 7% month-on-month reduction in credit card spending.

SBI SimplyCLICK Customer Reviews

Overall Rating

5

Based on 2 reviews

Rating Summary

5
100%
4
0%
3
0%
2
0%
1
0%

Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

If the SimplyClick SBI Card is lost or stolen, cardholders can call the customer service number or go to their nearest bank to block the card and request that a new card be issued.

The SimplyClick SBI Card has numerous benefits. Because the card supports contactless technology, you can make payments by simply waving it at retail terminals. Rewards include point bonuses, milestone bonuses, an annual fee waiver, fuel benefits, global acceptance, free add-on cards, and many more. The first-year fee, or joining fee, is Rs.499, and the annual fee begins in the second year. The annual fee is waived if you spend a minimum of Rs.1 lakh per year.

The SimplyClick SBI Card provides numerous advantages. The first-year fee, or joining fee, is Rs. 499, and the annual fee begins in the second year. If you spend a minimum of Rs. 1 lakh per year, the annual fee is waived. Rewards include point bonuses, milestone bonuses, an annual fee waiver, fuel benefits, global acceptance, free add-on cards, and many more.

The SimplyClick SBI Credit Card charges a foreign currency markup fee of 3.5% of the total transaction amount. You will be charged this fee when you use your SBI Credit Card to make a transaction in a different currency.

 

To obtain an SBI credit card, you must have a steady source of income. The income criteria vary depending on the card's features and specifications. You can apply for an SBI credit card with as little as INR 18,000 per month. However, income for other cards may vary depending on specifications and features.

The annual fee is waived for the following year when you spend at least Rs. 1,00,000 in the previous calendar year. As a result, your SBI Credit Card is now a free credit card.

 

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