SBI SimplyCLICK Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

Amargyan March 26, 2024Last Updated: March 26, 2024

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SBI SimplyCLICK Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

SBI SimplyCLICK Credit Card: SBI SimplyCLICK Credit Card, a top choice for entry-level shoppers. With 10x rewards on select online platforms and 5x rewards on others, it’s perfect for digital spenders. At just Rs. 499 annual fee, it’s budget-friendly. Plus, earn up to Rs. 4,000 in gift vouchers annually. Accepted globally and supports contactless payments, making it hassle-free. Experience the perks of online shopping with the SimplyCLICK SBI Card.

Fees	Joining Fee- Rs. 499 + GST Renewal Fee- Rs. 499 + GST
Best Suited For	Shopping
Reward Type	Reward Points
Welcome Benefits	Amazon Gift Card Worth Rs. 500

Rewards and Benefits

Elite Rewards Card by SBI Bank: Elevating Your Rewards Experience. Uncover the exceptional benefits and rewards offered by the Elite Rewards Card from SBI Bank. Let’s explore the comprehensive features and advantages of this extraordinary rewards card:

Enhanced Rewards Rate:
- Enjoy an unparalleled rewards rate with the Elite Rewards Card, earning 10X Reward Points on partner brands such as BookMyShow and Apollo 24/7. Additionally, earn 5X Reward Points on online purchases and 1 Reward Point for every Rs. 100 spent on other purchases, ensuring generous rewards with every transaction.
Versatile Reward Redemption:
- Benefit from versatile reward redemption options, allowing you to redeem your accumulated Reward Points for gift vouchers on sbicard.com or via the SBI mobile app. Additionally, you can use your Reward Points to pay off the card’s outstanding balance, providing flexibility and convenience in utilizing your rewards. With 1 Reward Point equivalent to Rs. 0.25, maximize the value of your earned points and indulge in rewarding experiences.
Comprehensive Protection:
- Enjoy peace of mind with zero liability protection against unauthorized transactions in case of a lost or stolen card. With timely reporting to the bank officials, safeguard your finances and mitigate any potential losses, ensuring security and confidence in your card usage.

Experience the Elite Rewards Card Difference:

Elevate your rewards experience with a card that offers unmatched benefits and privileges, tailored to enhance your lifestyle and preferences.
Whether you’re shopping online, indulging in entertainment, or making everyday purchases, the Elite Rewards Card empowers you to earn significant Reward Points with every transaction.
Embrace the convenience and flexibility of a rewards card that caters to your needs and rewards your loyalty and usage.

Unlock a world of rewards and indulgence with the Elite Rewards Card from SBI Bank. Apply now and embark on a journey of elevated rewards and unparalleled experiences.

Fees & Charges

1. Spend Based Renewal Fee Waiver:– Enjoy the convenience of a renewal fee waiver upon reaching an annual spend of Rs. 1 lakh, rewarding your loyalty and usage with cost-saving benefits.

2. Rewards Redemption Fee:– Seamlessly redeem your earned rewards with a nominal redemption fee of Rs. 99 (plus taxes) on each redemption request, ensuring hassle-free utilization of your accumulated rewards.

3. Foreign Currency Markup:– Make international transactions with ease, knowing that the foreign currency markup is set at a competitive rate of 3.5% of the total transaction amount, allowing you to shop globally without worries.

4. Competitive Interest Rates:– Benefit from competitive interest rates, with an interest rate of 3.5% per month or 42% annualized, providing financial flexibility while managing your outstanding balances.

5. Fuel Surcharge Waiver:– Enjoy savings on fuel expenses with a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000, with the maximum waiver capped at Rs. 100 per month, ensuring economical fuel purchases with every fill-up.

6. Cash Advance Convenience:– Access cash conveniently with cash advance charges set at 2.5% of the withdrawal amount or a minimum fee of Rs. 500, providing you with financial flexibility when needed.

7. Complimentary Add-on Card:– Extend the benefits of your Elite Rewards Card to your loved ones with a complimentary add-on card, allowing you to share the perks and rewards with family members or trusted individuals.

Product Details

As a new member, receive a warm welcome with gift vouchers worth Rs. 500 from Amazon, setting the stage for a rewarding relationship right from the start.
But that’s just the beginning. With every swipe, unlock a realm of possibilities:
Elevate your travel experiences with e-vouchers from ClearTrip valued at Rs. 2,000 each, earned upon reaching net annual spends of Rs. 1,00,000 and Rs. 2,00,000 respectively. Whether it’s a quick getaway or a grand adventure, ClearTrip has you covered.
Indulge your online shopping cravings and earn 10X Reward Points at partner merchants, including renowned platforms like Amazon, BookMyShow, Apollo24x7, and more. With every click, watch your rewards grow exponentially.
Even your everyday online spends are rewarding. Gain 5X Reward Points on all other online transactions, making every purchase an opportunity to earn.
But we haven’t forgotten about offline spending. For every Rs. 100 spent offline (excluding fuel), earn 1 Reward Point, ensuring that every aspect of your life contributes to your rewards.
Forget about annual fees weighing you down. Achieve an annual fee waiver of Rs. 499 by reaching an annual spending milestone of Rs. 1,00,000, giving you more reasons to enjoy the benefits without any extra cost.
And when it comes to fuel, enjoy the freedom from surcharges. With a 1% fuel surcharge waiver on purchases ranging from Rs. 500 to Rs. 3,000, refueling becomes a seamless experience.
With the SBI SimplyClick Credit Card, every transaction becomes an opportunity for reward and every moment a chance for adventure. Experience a world of benefits tailored just for you. Apply now and start your journey towards endless rewards.

Pros/Cons

Pros:

Experience a warm welcome into the world of rewards with the SBI SimplyClick Credit Card, receiving a voucher worth Rs. 500 from Amazon as a delightful welcome benefit.
Unlock even greater rewards as you reach milestone spends, with the opportunity to receive coupons worth Rs. 4000, enriching your shopping experience.

Cons:

For frequent travelers, the absence of domestic and international lounge access can be considered a significant drawback, limiting the card’s appeal to those who prioritize travel perks.
Additionally, the lack of insurance benefits with the SBI SimplyClick Credit Card may deter individuals seeking added security and protection for their purchases and travels.

SBI SimplyCLICK Credit Card Features & Benefits

Introducing the SBI SimplyCLICK Credit Card, a versatile financial tool designed to elevate your shopping experience with a plethora of exciting benefits. Let’s explore the unique features and advantages offered by this card:

Welcome Benefits:

Upon payment of the joining fee, cardholders receive a warm welcome in the form of an Amazon gift voucher worth Rs. 500, delivered directly to their registered mobile number within 30 days.

Milestone Benefits:

As spending milestones are achieved, cardholders unlock additional rewards. Upon reaching annual spends of Rs. 1 lakh and Rs. 2 lakh, they receive e-vouchers valued at Rs. 2,000 each from ClearTrip, enhancing their travel experiences.

Annual Fee Waiver:

Cardholders enjoy the perk of an annual fee waiver if they achieve annual spends of Rs. 1 lakh in the preceding year, ensuring that the benefits of the card continue without any additional cost.

Fuel Surcharge Waiver:

Say goodbye to fuel surcharges with a 1% waiver on transactions ranging from Rs. 500 to Rs. 3,000 at fuel filling stations across India, with a maximum benefit of Rs. 100 per month.

Zero Liability Protection:

Experience peace of mind with zero liability protection, ensuring that cardholders are not held liable for unauthorized or fraudulent transactions reported in a timely manner.

Reward Program:

Earn reward points effortlessly with every transaction:

1 reward point for every Rs. 100 spent offline.
10X reward points on online purchases at partner merchants, including ClearTrip, BookMyShow, Dominos, Lenskart, and more.
5X reward points on all other online spends.

Reward Redemption:

Redeem earned reward points conveniently through the SBI Card’s reward catalogue, offering a diverse range of products and gift vouchers. Alternatively, offset your card statement balance using accumulated points.

Fees and Charges:

Stay informed about the associated fees and charges:

Annual fee of Rs. 499 plus applicable taxes, with the opportunity for waiver upon meeting annual spend criteria.
Interest rate of 3.5% per month (42% annually).
Foreign currency markup fee of 3.5%.
Cash advance fee of 2.5% of the transaction amount, subject to a minimum of Rs. 500.

Eligibility Criteria:

Ensure eligibility for the SimplyCLICK SBI Credit Card by meeting the following criteria:

Age: Between 21 and 65 years.
Income: Stable source of income.
Credit Score: Decent credit history.

Unlock the power of convenience, rewards, and financial flexibility with the SBI SimplyCLICK Credit Card, your ultimate companion for seamless shopping experiences.

Criteria	Age	Income
Salaried	18 years – 65 years	Rs. 20,000 per month
Self-employed	Self-employed	Rs. 20,000 per month (as per ITR)

Documents Required for SBI SimplyClick Credit Card

When applying for the SBI SimplyCLICK Credit Card, ensure you have the following documents ready:

1. PAN Card
2. Address Proof: Aadhar Card, Utility Bills, Ration Card, Passport, etc.
3. Income Proof: The latest three months’ salary slips, the latest three months’ bank statement, or the latest audited financial report.

To apply online for the SimplyCLICK SBI Card, follow these steps:

1. Click on the Apply Now button on this page.
2. Provide your details.
3. Submit your application.

Alternatively, visit your nearest SBI branch to fill out a physical application form.

To check your application status:

1. Visit the SBI Card’s official website.
2. Click on the Credit Cards option.
3. Scroll down and select Track Application.
4. Enter your application number and click Track to view your status.

Activate your SimplyCLICK SBI Card and generate your PIN through:

1. ATM: Visit an SBI ATM and select the option to generate a credit card PIN from the main menu.
2. Internet Banking: Log in to your internet banking account or use the SBI Card mobile app to generate your PIN.
3. Customer Care: Contact SBI card customer care if you encounter any issues.

As for the credit limit, it varies based on your payment behavior and credit history. Individuals with a good credit score may receive a higher limit. To request a higher limit, contact customer care or visit a branch after using your card responsibly for some time. Choose wisely and explore the possibilities with the SBI SimplyCLICK Credit Card.

Navigating your SBI SimplyCLICK Credit Card journey seamlessly involves understanding vital aspects such as credit limits, bill payments, online access, and customer support. Let’s delve into these areas in detail:

SBI SimplyCLICK Credit Card Limit:

The credit limit for the SBI SimplyCLICK Credit Card is determined based on your credit history and payment behavior. While there’s no fixed limit, individuals with a strong credit score may enjoy a higher limit. Conversely, those with an average score may receive a comparatively lower limit. If dissatisfied with the assigned limit, you can request an increase through customer care or by visiting a branch. However, it’s crucial to demonstrate responsible card usage before applying for a limit hike.

SBI SimplyCLICK Credit Card Bill Payment:

Ensuring timely bill payments is paramount for every credit cardholder. Explore various methods to settle your SBI SimplyCLICK Credit Card bill:

1. YONO SBI App: Conveniently make payments by linking your credit card to the YONO SBI app and following simple steps.
2. SBI Billdesk: Use this platform to swiftly pay your credit card bill by providing necessary details.
3. NEFT: If your account is with a different bank, initiate payment via NEFT by entering your card number and IFSC code.
4. Offline Methods: Drop a cheque at your nearest ATM Dropbox or visit an SBI branch to pay via cash or cheque.

SBI SimplyCLICK Credit Card Login/Netbanking:

1. Visit the official SBI Card website.
2. Click on “New user? Register Now” and input your card details.
3. Complete the verification process by entering the OTP sent to your registered mobile number.
4. Set up your username and password to access internet banking.

SBI SimplyCLICK Card Customer Care:

For any queries or concerns regarding your credit card, reach out to SBI SimplyCLICK Card customer care:

1. Email: Send your queries or complaints to customercare@sbicard.com.
2. Phone: Dial toll-free helpline numbers 1800 180 1290, 1860 500 1290, 1860 180 1290, or 39 02 02 02 for assistance.

Stay informed and empowered as you navigate your SBI SimplyCLICK Credit Card journey, ensuring seamless transactions and support at every step.

Cards Similar To SimplyCLICK Credit Card

Benefits	SBI SimplyCLICK Credit Card	SimplySAVE SBI Card	HDFC MoneyBack Plus Credit Card	Accelero ICICI Bank Credit Card
Annual Fee	Rs. 499	Rs. 499	Rs. 500	Rs. 499
Rewards Rate	1 Reward Points on every offline spend of Rs. 100. 5x Reward Points on online spends. 10x Reward Points on online spends on partner brands.	1 Reward Point on every spend of Rs. 100. 10x Reward Points on groceries, movies, dining, and departmental stores.	2 Cash Points on every spend of Rs. 150. 5x Cash Points on EMI transactions made at merchant outlets. 10x Cash Points on partner brands, including Amazon, Flipkart, Swiggy, Big Basket, and Reliance Smart Store.	2 Payback Points on every spend of Rs. 100.
Reward Redemption	1 Reward Point = Re. 0.25 for redemption against products, vouchers, and cashback.	1 Reward Point = Re. 0.25 for redemption against product catalog and statement balance.	1 Reward Point = Re. 0.25 for redemption on SmartBuy. 1 Reward Point = Re. 0.25 for redemption against statement balance.	1 Payback Point = Re. 0.25 for redemption against various products, gift vouchers, travel-related bookings, etc.
Additional Benefits	Earn gift vouchers worth up to Rs. 4,000 every year on achieving the spend milestone.	N/A	Earn gift vouchers worth up to Rs. 2,000 every year on achieving the spend milestone.	1 complimentary domestic lounge access every quarter on spending Rs. 5,000 or more in the previous quarter.

Benefits and Drawbacks of SBI SimplyClick Credit Card

Exploring the Advantages and Disadvantages of the SBI SimplyClick Credit Card

Pros

1. High Reward Rate: The SBI SimplyClick Credit Card offers a commendable reward rate on numerous online shopping platforms, making it ideal for frequent online shoppers.
2. Affordable Annual Fee: With an annual fee of just Rs. 500, this card provides value for money, catering to budget-conscious individuals.
3. Easy Fee Waiver: The annual fee can be easily waived by meeting a moderate spending threshold of Rs. 1 lakh in the previous year.

Cons

1. Lack of Lounge Access: The card does not offer complimentary lounge access, making it less appealing for frequent travelers seeking travel perks.
2. Limited Reward Redemption Options: The options for redeeming rewards are relatively restricted, limiting flexibility for cardholders.

Impact on Credit Score

The SBI SimplyClick Credit Card, being an entry-level card, is accessible even to individuals with average credit scores. Responsible usage of this card can contribute positively to building a robust credit score over time. Timely bill payments and maintaining credit utilization below 30% are crucial for preserving and improving your credit score.

Is This Card Right for You?

The SBI SimplyClick Credit Card caters primarily to individuals with moderate incomes who prioritize saving on their expenditures through a low-fee credit card. It appeals particularly to avid online shoppers, offering accelerated reward points for online transactions. While lacking exclusive travel and entertainment benefits, it is well-suited for those who frequent online stores and seek maximum benefits from their credit card with minimal annual fees.

Review

Regarded as a highly rewarding credit card for online shoppers, especially at partner merchants, the SBI SimplyClick Credit Card stands out as an excellent choice for young millennials and first-time cardholders. Its low annual fee combined with accelerated rewards on online purchases makes it a compelling option for individuals seeking value and convenience in their credit card usage.

If you are passionate about online shopping and seek to enhance your shopping experiences with rewarding benefits, the SBI SimplyClick Credit Card is definitely worth considering. However, ensure that you meet the eligibility criteria before applying. Share your thoughts on this entry-level offering by SBI Card in the comments section below, and existing cardholders are encouraged to share their experiences for the benefit of others.