SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is an entry-level shopping credit card offered by SBI. It is one of the most popular SBI credit cards in the entry-level segment, especially among first-time cardholders. This card is most suitable for online shopping as it offers 10x rewards points on some of the most popular online shopping/travel websites such as Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart. Previously, Amazon was also included in the 10x rewards list, but that offer is no longer applicable, and the card now offers 5x rewards on Amazon. As for other online and offline spending, you earn 5 times rewards on other online spends and 1 reward point per ₹1 spent on all other offline expenses.

It comes with an annual membership fee of only ₹499 as an introductory offer. The SBI SimplyCLICK Card does not offer any enhanced travel/dining/movie benefits that you would typically get with most lifestyle and premium credit cards. However, it provides you an opportunity to earn up to ₹4,000 worth of gift vouchers by accumulating milestone spending. To learn everything about this entry-level credit card, continue reading our SBI SimplyCLICK Credit Card review.

• Joining Fee- Rs. 499 (plus applicable taxes)
• Renewal Fee- Rs. 499 + GST
• Best Suited For- Shopping
• Reward Type- Reward Points
• Welcome Benefits- Get an Amazon e-voucher worth Rs. 500 as welcome benefits after paying the annual fees.

Rewards and Benefits

• Movie & Dining- N/A
• Rewards Rate- 1 Reward Point every Rs. 100 spent on offline spends (reward rate is 0.25%), 10X RPs on online spends at partner merchants (BookMyShow, Apollo24x7, etc.) (reward rate is 2.5%), 5X RPs on other online spends (reward rate = 1.25%)
• Reward Redemption- Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the card’s outstanding balance, 1 RP = Rs. 0.25
• Travel- N/A
• Golf- N/A
• Domestic Lounge Access- N/A
• International Lounge Access- N/A
• Insurance Benefits- N/A
• Zero Liability Protection- The cardholders get a zero liability protection against a lost/stolen card if the loss is informed to the bank officials timely.

Fees & Charges

• Spend based Waiver- Get a renewal fee waiver on achieving total annual spends of Rs. 1 lakh in previous year.
• Rewards Redemption Fee- Rs. 99 (plus taxes) on each redemption request
• Foreign Currency Markup- 3.5% of the total transaction amount
• Interest Rates- 3.5% per month or 42% annualized
• Fuel Surcharge- 1% fuel surcharge waived on fuel transactions from Rs. 500 to Rs. 3,000 (max waiver capped at Rs. 100 per month)
• Cash Advance Charge- 2.5% of the withdrawal amount or a minimum fee of Rs. 500
• Add-on Card Fee- Nil

Product Details

• Welcome Gift: ₹500 Amazon e-voucher as a welcome benefit.
• Cleartrip e-voucher worth ₹2,000 on annual spending of ₹1,00,000 and ₹2,00,000.
• 10X rewards points on online spends, including popular websites like Amazon, BookMyShow, Apollo24x7, and more, in partnership with partner merchants.
• 5X rewards points on all other online spends using your SBI SimplyCLICK Credit Card.
• 100 rewards points per ₹1 on all offline expenses, excluding fuel.
• Annual fee waiver of ₹499 on spending ₹1,00,000 annually.
• 1% fuel surcharge waiver on fuel purchases between ₹500 and ₹3,000.

SBI SimplyCLICK Credit Card Features & Benefits

The SBI SimplyCLICK Credit Card is one of the most fundamental yet highly desired credit cards in the market. It comes with several exciting benefits, including welcome bonuses, reward programs, milestone benefits, and more. The advantages and features of this credit card are as follows:

Welcome Benefits:

• You will receive an Amazon gift voucher worth Rs. 500 as a welcome gift upon payment of the card membership fee.
• The voucher code will be sent to your registered mobile number within 30 days of payment of the joining fee.
• The gift voucher will be valid for a period of 12 months from the date of issuance.

SBI SimplyCLICK Credit Card Milestone Benefits:

• You get an e-voucher valued at Rs. 2,000 from ClearTrip on achieving annual spends of Rs. 1 lakh with the card.
• Another e-voucher valued at Rs. 2,000 from ClearTrip on achieving annual spends of Rs. 2 lakh with the card.
• The renewal membership fee is waived if the cardholder has achieved annual spends of Rs. 1 lakh in the previous year.

Fuel Surcharge Waiver:

1% fuel surcharge is waived at all fuel filling stations across India for the transaction values between Rs. 500 and Rs. 3,000 (max benefit of Rs. 100 per month).

Zero Liability Protection

The SBI Card provides zero liability protection with the Simply Click Card, according to which, the cardholder will not be liable for any unauthorized/fraudulent transactions made through the card if the card has been reported lost/stolen to the card issuer in a timely manner.

SimplyCLICK SBI Credit Card Rewards:

• 1 Reward Point per Rs. 100 spent with the card on offline spends (reward rate of 0.25%).
• 10X Reward Points (10 Points per Rs. 100) on online purchases at partner merchants including Cleartrip,
• BookMyShow, Dineout, Lenskart, Apollo24x7, and Netmeds (reward rate of 2.5%). 10X Reward Points benefit is not applicable on Gift Card purchases, utility bill payments, and recharge on Amazon.
• 5X Reward Points on all other online spends with the card (reward rate of 1.25%).
• A max cap of 10,000 Reward Points per month is applicable on the Bonus (at 5X or 10X rate) Reward Points that can be earned on online spends with the card.

Reward Points Redemption:

The Reward Points you earn using your SimplyCLICK SBI Credit Card can be redeemed by logging into sbicard.com. You can redeem your earned points against a lot of products and gift vouchers available at the SBI Card’s reward catalogue at a rate of 1 Reward Point = Re. 0.25. You can also use your reward points against your card’s statement balance. Following is the stepwise procedure to redeem SimplyClick SBI Card Reward Points:

• Visit the official website of SBI Card.
• Click on the option ‘Rewards.’
• You will see a lot of products on your screen.
• Click on a product against which you want to redeem your points.
• If you are using only points to buy it, choose the option ‘Points Only, and if you are buying it with partial
• points and paying the remaining amount, choose the option ‘Points + Pay.’
• Log in using your registered mobile number or card details, and proceed to redeem your points.

To redeem your reward points against your statement balance, you can either contact your credit card customer care or follow a few simple steps as mentioned below:

• Log in to sbicard.com.
• From the main menu, select Mailbox.
• Under the option category, select ‘Reward Points Redemption.’
• Under the option sub-category, select ‘Request for redemption’ and proceed further to send the mail.

SBI SimplyCLICK Credit Card Fees and Charges

Every credit card comes with different features & terms and conditions, which include its reward programs, charges like annual fees, interest rates, cash advance fees, and many more things. Following are the fees and charges of the Simply Click SBI Card:

• The annual fee of the Simply Click Credit Card is Rs. 499 plus applicable taxes. You can get the annual fee waived off from the second year by spending Rs. 1 lakh or more in the previous anniversary year.
• The interest rate on this credit card is 3.5% per month, which is 42% annually.
• The foreign currency markup fee on the SimplyCLICK SBI Credit Card is 3.5% of the total transaction amount.
• This fee is charged when you make a transaction in a different currency using your SBI Credit Card.
• The cash advance fee on this credit card is 2.5% of the transaction amount, subject to a minimum of Rs. 500.
• This fee is chargeable when you withdraw cash using your SBI Simply Click Credit Card.

SBI SimplyCLICK Credit Card Eligibility Criteria

Every credit card has its own eligibility criteria that need to be fulfilled by an applicant in order to get approved for that card. The major factors that affect your eligibility for a credit card include your age, income, and credit score. Following is the eligibility criteria for the SimplyCLICK SBI Credit Card:

Documents Required

The documents that you will be required or upload or submit while applying for the Simply Click SBI Card include:

• Identity Proof – Aadhar card, PAN Card, Voters’ Id, Passport, Driving License, or any government-approved Id.
• Address Proof – Aadhar Card, Utility Bills, Ration Card, Passport, etc.
• Income Proof – latest 3 months’ salary slips, latest 3 months’ bank statement, or latest audited financial report.

How To Apply For SBI SimplyCLICK Credit Card Online?

You can apply for the SBI Simply Click Credit Card online or offline, according to your convenience. To apply offline, you will need to visit your nearest SBI branch and fill out a physical application form for the Simply Click Card. For online application, you can follow these simple steps:

1. Visit the official website of SBI or the SBI Card portal.
2. Navigate to the credit cards section and locate the Simply Click Credit Card.
3. Click on the “Apply Now” or “Online Application” button.
4. Provide the required details such as your personal information, contact details, employment details, and income details.
5. Upload the necessary documents, such as identity proof, address proof, and income proof, as specified in the application form.
6. Review the application form and ensure all the information provided is accurate.
7. Submit the application form online.
8. After submission, you will receive an application reference number, which you can note down for future reference.
9. The bank will review your application, and upon approval, you will receive further communication regarding the next steps.

Conclusion:

The SBI Simply Click Credit Card is an excellent offering for online shoppers, especially for young millennials who prefer online shopping. As an entry-level credit card, it has a nominal annual membership fee of only INR 499, making it a good choice even for first-time cardholders. Apart from regular rewards, it provides instant reward points on online purchases, making it highly beneficial for frequent online shoppers. If you enjoy shopping and want to enhance your shopping experience with a credit card, applying for the SBI Simply Click Credit Card is definitely recommended. Before proceeding, make sure to check the eligibility criteria.

What is your opinion on this offering by SBI Card? Let us know in the comments. If you are an existing cardholder, feel free to share your experience for the benefit of others.