SBI Simply Click Credit Card

About SBI Simply Click Credit Card

Are you spending thousands on online shopping every month but seeing zero value come back to your wallet? Most entry-level cards offer basic rewards, but the SBI Simply Click Credit Card is built differently. It focuses entirely on where most of us spend our money today: on our phones and laptops.

This card is a powerhouse for digital spenders. By partnering with some of India's biggest brands, it turns your regular expenses into significant savings. If you spend just ₹15,000 a month on specific online partners, you could be looking at over ₹4,500 in annual savings. It is a straightforward, no-nonsense tool for anyone who prefers clicking "buy now" over visiting a physical store.

Targeted at young professionals and salaried individuals earning at least ₹20,000 per month, this card bridges the gap between high-end lifestyle cards and basic credit tools. Whether you are ordering a weekend feast on Swiggy or booking a flight on Cleartrip, this card ensures you get a piece of that spend back in your pocket.

What makes it a standout choice:

• • Instant Value: Get a ₹500 Amazon gift voucher just for joining, effectively making your first-year fee zero.
• • Accelerated Online Earnings: Earn 10X reward points when you shop with partner merchants like Swiggy, BookMyShow, and Yatra.
• • Low Entry Barrier: Unlike premium cards that demand massive salaries, you can qualify with a modest income of ₹3 lakh per year.

Quick math: If you spend ₹10,000 monthly on partner sites, you earn 1,000 reward points. Over a year, that is 12,000 points, worth ₹3,000 in direct value. Add the joining bonus and fuel savings, and the card pays for itself many times over.

Ready to see if this card fits your lifestyle? Let's dive into the details.

Key Benefits and Features of SBI Simply Click Credit Card

The SBI Simply Click Credit Card is designed to reward your digital life. Here is a breakdown of how it puts money back in your pocket through rewards, waivers, and welcome gifts.

Welcome Gift: Start With a Win

Most cards charge a joining fee and give you nothing in return. With the Simply Click card, your ₹499 joining fee is immediately offset. Upon payment of the fee, you receive an Amazon.in gift card worth ₹500. This means you essentially start your credit journey with this card at a net gain of ₹1, even before you make your first transaction.

The 10X Reward Power

The core strength of this card lies in its partnership with major online brands. You earn 10 reward points for every ₹100 spent at these specific partner merchants:

• Dining and Food: Order your daily meals or weekend treats through Swiggy or Domino’s.
• Travel: Book your flights and hotels through Cleartrip and Yatra.
• Entertainment: Catch the latest movies or events by booking via BookMyShow.

Since 1 reward point equals ₹0.25, a 10X reward rate translates to a 2.5% value back on every transaction at these stores. If you are a regular user of these apps, the points stack up quickly.

Annual Fee and Waiver Conditions

The card comes with a renewal fee of ₹499. However, the bank makes it very easy to get this fee waived. If you spend more than ₹1 lakh in the preceding year, the ₹499 fee for the following year is completely removed. For someone spending roughly ₹8,500 a month, this card becomes free for life.

Fuel Surcharge Waiver

While this is primarily an online shopping card, it also helps you at the petrol pump. You get a 1% fuel surcharge waiver on transactions ranging between ₹500 and ₹3,000. You can save up to ₹100 per statement cycle. While it might seem small, it adds up to ₹1,200 in potential annual savings for those who commute regularly.

Eligibility and Requirements

To access these benefits, you need to meet the following criteria:

• Age: You should be between 21 and 60 years old if you are salaried. For self-employed individuals, the age limit extends up to 70. However, for the best chance of approval, we recommend applying if you are between 21 and 65.
• Income: A minimum monthly income of ₹20,000 or an annual income of ₹3 lakh is required.
• Credit History: A CRIF or CIBIL score of 750 or above is ideal to ensure a smooth application process.

Reward Point Redemption

Earning points is only half the fun; using them is where the value lies. You can redeem your accumulated points through the SBI Card rewards portal. Whether you want to clear your card outstanding or buy vouchers from the redemption catalogue, the process is simple. Keep in mind that 4 reward points equal ₹1.

Points to Watch Out For (Exclusions)

Not every spend earns you points. To maximize your benefits, remember that the following transactions are excluded from earning rewards: Rent payments, fuel purchases, insurance premiums, EMI transactions, cash withdrawals, and utility bill payments. Additionally, government-related transactions and wallet loads do not qualify for points. Plan your spends accordingly to ensure you are using the card where it counts most.

How to Apply for SBI Simply Click Credit Card

Applying for the SBI Simply Click Credit Card is a straightforward process that can be completed mostly online. Follow these steps to get your card:

1. Check Your Eligibility: Before starting, ensure you meet the minimum income requirement of ₹20,000 per month and have a credit score near 750.
2. Visit the Official Portal: Go to the SBI Card website or use a trusted financial partner link to start the application.
3. Fill in Personal Details: Enter your name, mobile number, city, and employment type. You will need to verify your mobile number with an OTP.
4. Provide Professional Info: Enter your company name, designation, and annual income. Remember, you need at least ₹3 LPA to qualify.
5. Submit KYC Documents: Upload digital copies of your Aadhaar card and PAN card. The bank may use e-KYC for faster processing.
6. Complete Video KYC: In most cases, a bank representative will schedule a quick video call to verify your identity and original documents.
7. Final Review and Dispatch: Once the bank verifies your data, you will receive an approval message. Your physical card is typically dispatched within 7-10 working days.

Note: You must make a minimum transaction of at least ₹100 within the first 30 days of receiving the card. If you fail to do this, you will not be eligible for the 500-point welcome reward or the Amazon voucher.

Credit Limit: What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. The limit typically ranges from ₹20,000 to ₹1,00,000 depending on your profile strength.

For an entry-level card like the SBI Simply Click, users with a ₹20,000 monthly salary receive a starting limit between ₹30,000 and ₹60,000. If you have a high credit score (above 750) or an existing relationship with SBI, you might be granted a higher limit. The bank reviews your spending patterns and repayment history every 6-12 months, which can lead to automatic limit increases if you pay your bills on time.

Comparison Table: SBI Simply Click vs. Competitors

To help you decide, here is how the SBI Simply Click compares with other popular entry-level shopping cards in India.

The SBI Simply Click is the best choice if your spending is spread across multiple apps like Swiggy, Cleartrip, and BookMyShow rather than being loyal to just one e-commerce giant. While the Amazon Pay card offers higher cashback on Amazon, it doesn't give you the same accelerated benefits on travel or food delivery that the SBI card provides through its 10X partners.

Documents Required for SBI Simply Click Credit Card Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credits
• Employment Proof: Office ID card or official employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income, and 6 months' bank statements
• Business Proof: Business registration certificate, GST registration, or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification, such as a recent photograph or a signed declaration.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the SBI Simply Click Credit Card:

The "Digital Native" Professional

If you are a young professional earning ₹30,000 a month and you live through apps, this card is a perfect match. For example, if you spend ₹5,000 on Swiggy for meals, ₹2,000 on BookMyShow for movies, and ₹3,000 on Yatra or Cleartrip for monthly travel, you are hitting that 10X reward tier consistently. You could easily earn enough points to cover your annual fee within the first three months.

The Occasional Traveler and Movie Buff

Do you find yourself booking a flight every few months or watching every new release at the cinema? By using this card on Yatra and BookMyShow, you earn at a rate that far exceeds standard reward cards. If your annual online spend across these partners reaches ₹1.2 lakh, you'll earn 12,000 points (worth ₹3,000) and get your renewal fee waived automatically.

The Credit Beginner

If this is your first "real" credit card and you want something that is easy to understand, this is it. The ₹20,000 income requirement is accessible, and the benefits are clear. You don't have to track complicated "miles" or "tier points." You just shop online and get points that can be used for vouchers or statement credit.

You might want to skip this card if:

• • You do most of your shopping at local kirana stores or offline supermarkets (where the reward rate is much lower).
• • You are looking for premium perks like airport lounge access or free golf rounds, as this card offers none of those.
• • You spend heavily on rent and utilities, as these categories are excluded from the rewards program.

BankKaro Expert Review

Based on the card's features, the SBI Simply Click excels at being an "entry-level specialist." It doesn't try to be everything to everyone; it focuses on online shopping and does it very well. The 10X reward structure on partners like Swiggy and Cleartrip is one of the most generous in the sub-₹500 fee category.

The biggest limitation is the lack of "lifestyle" perks. There is no lounge access, no insurance cover, and no railway perks. Furthermore, the exclusion list for rewards has grown recently, meaning you won't earn points on rent or utility bills, which are significant expenses for most households.

Our verdict: Choose this card if you are a heavy user of the specific partner brands listed. The ₹500 Amazon voucher makes it a risk-free trial for the first year. If you find you aren't hitting the ₹1 lakh spend for the fee waiver, you can always reconsider, but for most urban dwellers, this card is a solid "set it and forget it" tool for online savings.

Terms and Conditions

Please keep the following terms in mind before applying for the SBI Simply Click Credit Card:

• • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards or welcome benefits.
• • Reward points are not earned on fuel, rent, insurance, and utility payments.
• • The 10X reward rate is strictly limited to the listed partner merchants and is subject to change at the bank's discretion.
• • Review the full Most Important Terms and Conditions (MITC) document available on the SBI Card portal for comprehensive policy details.