Who should get an SBI SimplyClick Credit Card?
The SBI simply click credit card is specifically designed for people who have regular incomes and who want to reduce their purchases with an account with a low annual cost.
SBI simply click credit card benefits: Reduce the cost of your purchases using the SimplyCLICK SBI Card. The initial fee, or cost of joining is Rs.499 and the annual fee beginning in the second year is Rs.499. The annual fee will be waived if you pay a minimum amount of Rs.1 lakh per year. The interest rate for this card is 3.50 percent per month or 42% annually.
This card is an ideal choice for those who shop online as it offers fast reward points on purchases made online. If you are a fan of online shopping and want an account with the lowest annual cost and the highest benefits the card is perfect the right choice for those who want to shop online.
SBI SimplyCLICK Credit Card Overview
- A credit card for online shopping with special benefits specifically designed for online shopping
- 10 times the reward points when online purchases on partner websites
- 5 times the reward point value for every online purchase
- Milestone rewards
- Annual fee waiver
- Offers waiver of the fuel surcharge
| Best For | Online shopping |
| Joining Fee | Rs499 |
| Renewal Fee | Rs499 |
| Reward Rate | 0.25% to 2.5% |
| Welcome Benefits | Amazon gift card valued at Rs.500 |
| Best Feature | Rewards earned from Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart. |
Key highlights of SBI Simply Click Credit Card Benefits
These are the key features that are included in the SBI SimplyCLICK Credit Card:
Contactless Advantage:
Everyday purchases are now effortless by using a SimplyCLICK SBI Card. Simply point your card at the secure reader to pay.
Fast & convenient:
Do not need to give your card, or look at coins and cash for smaller purchases.
Security:
The card is never taken off your hands when you make the course of a Contactless transaction, greatly decreasing the chance of loss or fraud because of fraud due to skimming (counterfeit).
If the card has been repeatedly waved at a reader, the exclusive security characteristic in Visa payWave guarantees that just one payment passes through, making the card more secure.
Worldwide Acceptance:
You can make use of the SimplyCLICK SBI Card at over 24 million locations around the world with 3,25,000 in India
Make payments at any store that accepts Visa and MasterCard.
Add-on Cards:
With the SimplyCLICK SBI Card, you can give your family the power of additional cards for your parents or spouse, children, or any other siblings over 18.
Cash on the Go:
You can withdraw cash at more than one million Visa or MasterCard ATMs in the world.
Utility Bill Payment Facility:
Pay your electric, phone mobile, and other utility bills with the simple Bill Pay feature available on the SimplyCLICK SBI Card.
Balance Transfer on EMI:
Pay less while you pay the credit card bill. Transfer the balance on credit cards from other banks into Your SimplyCLICK SBI Card, take advantage of lower rates of interest, and pay back the balance in EMIs.
Flexipay:
ThroughFlexipayyou can convert your transactions into simple monthly installments. Purchase any item worth the amount of Rs. 2500 or more with your Simply CLICK SBI Credit Card and then log in using the username and password atsbicard.comwithin 30 days after purchase to convert it to Flexipay.
Pros & Cons Of SBI SimplyCLICK Credit Card
Pros
Certain aspects make the credit card unique.
- The Amazon voucher given as a gift for welcome will pay for the annual fee.
- It is simple to use since this card is accepted at over 24 million points all over the world.
- The balances of other credit cards from banks could be transferred to be repaid in low-interest EMI.
- 5X reward points for online purchases.
Cons
Certain aspects of this credit card are not covered.
- It is not possible to get a break on the annual charge for expenditures that exceed Rs 150,000.
- Access to lounges in the domestic area.
- Cash Advance Balance Transfer, Cash Advance Encash Flexipay, Cash Advance, and Offline fuel transactions aren’t part of the rewards points program.
SBI Simply Click Credit Card Rewards
| Spend Category | Reward Points |
| Online purchases from partner stores | 10X |
| All other online spending | 5X |
| Other Categories | 1 reward point for every 100 rupees spent. |
Note:1 Reward Point= Rs0.25
SBI simply click credit card benefits and features
Following are the SBI simply click credit card benefits and features:
| Rewards point benefits | Earn one reward point for each Rs.100 for other purchases.Earn 10x reward points on online purchases made through partner stores like Cleartrip, Bookmyshow, Dominos, Yatra, Myntra, EazyDiner, Netmeds, and Apollo 24/7.5X reward points for any other online purchase. |
| Log-in Gift | In exchange for the payment of an annual charge of Rs.499 plus applicable taxes, The card gives Amazon.in gift cards worth Rs.500 |
| Milestone rewards | E-vouchers from Cleartrip worth Rs.2,000 each are offered when you make an online purchase of Rs.1 lakh or Rs.2 lakh. |
| Annual fee waiver | Spend Rs.1 thousand or more with the SBI SimplyCLICK credit card. The annual cost will be lowered and Rs.499 will be reversed. |
| Make payments and wave | The card is compatible with contactless technology, allowing you to make transactions by waving it around the terminals at retail stores. |
| Fuel benefit | Get the fuel surcharge of 1% exemption on each fuel transaction between the sums in the range of Rs.500 and Rs.3,000 exempting other fees and GST. |
| Worldwide acceptance | SimplyCLICK SBI Card SimplyCLICK SBI Card will be internationally accepted and is available at over 24 million stores around the world, including 3.25 lakh outlets in India. |
| Add-on cards for free | You can avail of SBI credit cards with add-ons for all members in your household that are over the age of 18 years old. |
| Cash facility | Offers of more than Rs.1 million cash withdrawals across the globe via Visa or MasterCard |
| Utility Bill Payment | Provides the option of utility bill payment through an Easy Bill Pay facility on your SimplyCLICK SBI Card for making payments on electric bills, mobile telephone, and other utility charges. |
| Balance transfer facility | Dues due from other bank credit cards are transferable to the SBI SimplyCLICK Credit Card at an interest rate that is low through this Balance transfer feature. |
| Flexible payment option | Anything above Rs.2,500 is able to be converted into an EMI purchase by using Flexipay. Flexipay option. |
| Easy cash facility | Contact the SBI credit card customer service and request an account draft anytime. |
Fees and Charges of SimplyCLICK SBI Card
| Type of Charge | Fee |
| Annual fee | Rs.499 |
| Renewal fee per year | Rs.499 beginning in the second year and onwards |
| Add-on cost per year | Nil |
| Charge for finance | The rate can be as high as 3.50 percent per month (42 percent annually) |
| Cash advance fees at domestic ATMs, ATMs from abroad, and SBI ATMs | 2.5 percent of the amount paid for a transaction (or Rs.500 (whichever is greater) |
| Cash fee for payment | Rs.250 plus taxes applicable (from the 1st of September in 2021) |
| Overlimit | 2.5 percent of the limit either Rs.600 (whichever is greater) |
| Balance Transfer | For 60 days, the rate of interest is 0%.For the period of 180 days, the rate for interest will be 1.70 percent per annum |
| Late payment | Rs.0 to Rs.500: NILRs.500 to Rs.1,000: Rs.400Rs.1,000 to Rs.10,000: Rs.750Rs.10,000-Rs.25,000: Rs.950Rs.25,000-Rs.50,000: Rs.1,100Rs.50,000 and over Rs.1,300 |
| Payment dishonor fee | 2.2% of the total amount (minimum amount of Rs.500) |
| Cheque payment fee | Rs.100 |
| Statement retrieval | Rs.100 per statement that is more than 2 months old |
| Replacement of a card | Rs.100 to Rs.250 |
| A fee for increasing the credit limit | Rs.200 per request to increase |
| Fees for static and dynamic conversions | 3.50 3 % (except the SBI Elite and Aurum credit cards)1.99 1.9% SBI Elite and Aurum credit cards)These charges are applicable to transactions of more than or equivalent to Rs.1,000. |
| Fee for network change | Rs.200 on request to upgrade to network or network downgrade |
| Foreign currency transaction fees | 3.50 percent (except on SBI Elite and SBI Aurum credit cards)1.99 1.9% (SBI Elite as well as Aurum credit card) |
| Rewards redemption fee | Rs.99 (only for gift cards, cash redemptions, and certain vouchers) |
| Finance charges for late payments | 3.65% per month (43.8% per annum) |
SBI Simply Click Credit Card Eligibility Criteria to Apply
These are the criteria to be considered for eligibility SimplyCLICK SBI Card:
You can verify the eligibility of your SBI Simply Click credit card eligibility to apply for a credit card through the SBI website. You can follow the steps below.
- The maximum and minimum age requirements to apply for this credit card are 21 and 70 years in both cases.
- The applicant must be salaried or self-employed.
The list of all credit card options will appear. If you’re qualified to apply for the SimplyCLICK SBI account, you’ll find the card listed in the list.
If you do then click on the “Apply Now” button for the card you want to apply to it.
Documents Required to Apply for SimplyCLICK SBI Card
The following are the required documents that are required to submit an application for the SimplyCLICK SBI Card:
- Identity document
- Address the proof
- Permanent Account Number (PAN) card
- Size of passport photograph
- Income documents to prove income
- Statement from the bank
How to apply for SBI simply click credit card online?
Here are the steps to grab the SBI SimplyCLICK credit card benefits online:
Step 1: Go to sbicard.com and click on the ‘Credit Cards’ tab.
Step 2: Click on the “Apply” menu and then choose the SimplyCLICK SBI Card.
Step 3: Click on the ‘Apply Now’ button to establish your eligibility for the card.
Step 4: If you are eligible, you will be directed to the application online page.
Step 5: While you proceed, you are requested to keep these details handy: PAN, Aadhaar number, Photograph, Bank A/c details
Step 6: Fill in your online application, then click “Submit”.
Step 7: Upload the necessary documents in the next step.
After you have submitted the application, you’ll receive an acknowledgment email with your Application ID. It is possible to use this same number to monitor the status of your credit card application within a week of submitting the application.
SBI Credit Card Customer Care Number
For assistance, please speak to the SBI credit card customer care executies Card helpline at:
Dial39020202(prefix local STD code) or1860 180 1290(Toll Free). Normal charges for calls may apply on this line. The number is available between 8 AM and 8 PM Monday to Saturday. SBI Credit Helpline numbers are accessible from all mobile and landline numbers throughout the country.
How can I contact SBI credit card Customer Service?
For further help, contact:
SBI Cards and Payment Services Limited
Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower,
E-1,2,3 Netaji Subhash Place,
Wazirpur, New Delhi 110034
CIN: U65999DL1998PTC093849
