The SBI SimplyCLICK Card is an entry-level credit card that is best suited for online
shoppers. It is a go-to credit card for accelerated benefits on shopping online and
provides the opportunity to earn exclusive gift cards, welcome benefits, and more.
It is a great choice for first-time cardholders that is highly known in the market
for its features and relaxed eligibility. With excellent rewards at a low annual
fee, this card is definitely a great choice as compared to other options available
in the market.
Features and Benefits of SBI SimplyCLICK Card
SBI SimplyCLICK Card is an entry-level card that lets you earn excellent rewards and
enjoy great benefits. It is designed to delight you with unlimited privileges. Some
of the prominent features and benefits of this SBI credit card that you must be
aware of are:
Welcome benefits
To welcome all the SimplyCLICK cardholders, SBI Card offers an Amazon.in gift
card
worth Rs 500. This offer can be availed by making a payment of an
annual fee of Rs
499. The gift card can be redeemed within 1 year from the date of receiving the
welcome gift.
Online Shopping Rewards
This SBI credit card lets you earn extra on every rupee you spend. Here are some
online shopping benefits that a cardholder can relish when using their card.
- 10X rewards on using your card with exclusive partners such as
Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds.
(please note, 10X rewards on Amazon.in will be downgraded to 5X w.e.f Jan 01,
2023).
- 5X rewards on purchasing with any other online merchant.
These rewards are capped at 10,000 reward points per calendar month. Afterwards, you
will earn the usual 1 reward point on every spend of Rs 100 or more.
Milestone Offers
Unlike other cards, SBI SimplyCLICK Card offers outstanding benefits on crossing
spend milestones. These offers or benefits are as follows:
- Cleartrip e-voucher of Rs 2,000 on annual spending of Rs 1 Lac
and above.
- Another e-voucher by ClearTrip valued at Rs 2,000 on annual spending of Rs 2
Lakhs of above.
- Renewal fee of Rs 499 will be waived off on spending Rs 1 Lakh
in the subsequent year. This offer will be applicable from the second year of
receiving your card.
Fuel benefits
SBI SimplyCLICK Card waives off the 1% fuel surcharge at all fuel
stations across the
country. This benefit can be enjoyed on making a transaction between Rs 500 to Rs
3000, exclusive of GST. Also, the maximum surcharge that can be waived is Rs 100 per
monthly statement cycle per credit card account.
Other exclusive benefits
Being an SBI SimplyCLICK cardholder, you can enjoy contactless technology payment by
waving your card at a secure reader. A maximum of Rs 5,000 payment can be made in
every transaction.
Fees and Charges of SBI SimplyCLICK Card
| Description |
Charges |
| Joining fees |
Rs 499 |
| Annual/ Renewal fees |
Rs 499 (Gets reversed on spending Rs 1 Lac or more in a year) |
| Cash withdrawal fees |
2.5% of the withdrawal amount or a minimum fee of Rs 500 |
| Card replacement fees |
Rs 100 to Rs 250 |
| Late payment fees |
Up to Rs 500: 0
Rs 500.01 to Rs 1000: Rs 400
Rs 1000.01 to Rs 10,000: Rs 750
Rs 10,000.01 to Rs 25,000: Rs 950
Rs 25,000.01 to Rs 50,000: Rs 1100
Above Rs 50,000: Rs 1300
|
| Fuel surcharge |
1% |
| Forex markup fees |
3.50% |
| Fee for increasing credit limit |
Rs 200 per increase request |
| Rewards Redemption Fee |
Rs 99 |
Eligibility Criteria for SBI SimplyCLICK Card
To be eligible for the SBI SimplyCLICK Card, here are the criteria that you need to
meet. Make sure you fulfil each of them in order to get your card approved.
- Age: 21 to 60 years
- Nationality: Indian ResidentÂ
- Occupation: Salaried or self-employed
- Income: Rs 20,000 per month
- Credit Bureau History: A good credit score of 700 and more
(People new to credit are not eligible for the card)
Documents required for SBI SimplyCLICK Card
Once you fulfil all the eligibility criteria, you can begin your journey as a SBI
SimplyCLICK Cardholder by filling in the application and submitting the required
documents. Following are the documents that you need to provide:
- Passport size coloured photograph
- Identity Proof (any one of the following):
- Aadhaar card
- Passport
- Driving licence
- Address Proof (any one of the following):
- Ration card
- Passport
- Voter ID
- Aadhaar card
- Phone/Electricity bill
- Income Proof (any one of the following):
- Latest salary slips (for salaried)
- Latest Form 16
- Last bank statements
- IT Return statements
SBI SimplyCLICK Card Limit
SBI SimplyCLICK Card has no set credit limit. It varies from candidate to candidate
based on income, creditworthiness, and debt payback history. After submitting the
application, banking authorities determine the limit based on your documentation. In
general, candidates with higher credit score gets comparatively higher limit.
In case you are not satisfied with the limit granted to you, you can visit the branch
or customer care. However, there are a few things that will help you get more credit
limit.
- Improve your CIBIL score
- Pay off previous debt
- Repay credit bills on time
- Use credit card more often
- Form a good relationship with bank
FAQs
What is the use of SBI SimplyCLICK card?
SBI SimplyCLICK card is an entry-level credit card that is designed for people
who frequently shop online. Its best use is Amazon, BookMyShow, Apollo,
Lenskart, etc., as it offers 10x rewards on making the payment. However, you can
use it with other retailers as well and earn 5 times the rewards.
What is the difference between SimplyCLICK and SimplySAVE SBI cards?
SimplyCLICK and SimplySAVE SBI cards are entry-level lifestyle cards that are the
most affordable and extremely rewarding options. However, SimplySAVE caters to
the offline expenditures of the cardholder, while SimplyCLICK focuses on online
payments.
Is the SBI SimplyCLICK Credit Card lifetime free?
No. This SBI credit card does not come for free. You have to pay Rs 499 every
year for the renewal and continue enjoying the benefits. However, there is an
annual fee waiver on spending over Rs 1 Lac in a card year.
Who is eligible for an SBI SimplyCLICK Credit Card?
Indian residents, whether salaried or self-employed, with a minimum salary of Rs
20,000, are eligible for this card. Candidates must also be within the age limit
of 21 to 60 years to get their application approved.
What are the advantages of the SBI SimplyCLICK card?
There is a wide range of benefits associated with this SBI credit card. A
cardholder can enjoy rewards on every spending online. They will also get
welcome rewards, a gift card on crossing the milestone, a fuel surcharge waiver,
and more. Also, this card is accepted worldwide and offers the advantage of
contactless payment.
What are the modes of payment for the SBI SimplyCLICK Credit Card bill?
There are several ways by which you can make a payment for your SBI SimplyClick
Credit Card bill. Debit cards, UPI, NEFT, mobile apps, net banking, SBI Auto
Debit, National Automated Clearing House (NACH), etc., are some of the best
modes of payment.
What should I do if I lose my SBI SimplyCLICK Credit Card?
On losing your credit card, you must contact a bank customer service executive
immediately. You can reach out to them via the customer service number and
request them to block your card. You can also pay a visit to the nearest branch
for the same. Meanwhile, you can also apply for a new card.
What are the Balance Transfer plans offered by SBI SimplyCLICK Credit Card?
SBI lets you transfer your outstanding bank credit card balances to your
SimplyCLICK Credit Card and lets you pay it back in EMIs. It also charges the
lowest rate of interest on the same.
