SBI SimplyClick Credit Card

SBI SimplyCLICK Credit Card Overview

The SBI SimplyCLICK Credit Card is designed as an introductory card, catering primarily to online shoppers. It allows users to accumulate rewarding points on all expenditures, with additional bonuses on online purchases and even more enticing rewards through SBI Card's exclusive partners. 

If you seek a rewards credit card with a low annual fee, this card could be a suitable option. However, if your main goal is to earn significant cashback on online shopping, opting for an entry-level cashback card would be more advantageous.

SBI SimplyCLICK Credit Card Benefits

Milestone Benefits

On annual online spending of Rs.1 lakh, you will receive a Cleartrip voucher worth Rs.2,000 

Fuel Benefit

Enjoy a waiver of a 1% fuel surcharge on transactions ranging from Rs. 500 to Rs. 3,000.

About SimplyCLICK SBI Credit Card Reward Points  

• 10X Reward Points are applicable for INR payments using SimplyCLICK SBI Card.
• e-Wallet loading on partner brand websites/apps under MCCs 6540 and 6541 won't earn Reward Points.
• Utility Bill Payments on the SBI Card website/mobile app won't accrue 5X Reward Points.
• Reward Points program excludes Cash Advances, Balance Transfers, Encash, Flexipay, and Offline Fuel transactions.
• Transactions on Partner brands with SimplyCLICK SBI Card will start earning 10X Reward Points from the specified date.
• 5X Reward Points apply to non-partner online spending, capped at 10,000 Reward Points per month. After that, earn 1 Reward Point per Rs.100 spent. 
• From 01 May 2023, 5X Reward Points for online Rent Payment with SimplyCLICK SBI Card will be revised to 1X Reward Points.
• Cleartrip transactions through affiliate channels won't be eligible for 10X Reward Points.
• Crediting of 10X reward points for exclusive partner transactions depends on provided Merchant Identifiers (MIDs). If MIDs aren't updated by the partner, customer rewards may be deferred until corrected MIDs are approved by SBI Card.
• Eligible online transactions depend on acquirers providing the correct online flag/identifier as per network rules (VISA, MasterCard). Incorrect identifiers won't receive accelerated Reward Points on SimplyCLICK cards.

SimplyCLICK SBI Credit Card Fee & Charges

• Annual Fees: INR 499( Waived off on Yearly Spend of Rs. 1 Lakh in the previous year)
• Cash Advance Charges: 2.5% 
• Interest fee: 42% per annum
• Overlimit Charge: 2.5%
• Add-on Card: Nill Fee for Add-on Card
• Credit Card Limit: Depends on Customer profile and Bank Internal criteria.

Eligibility : 

Be between 21 and 70 years old

Have a regular source of income, whether as a salaried employee or a self-employed individual

Hold a good credit score to enhance approval chances

Be an Indian resident

Meet SBI's internal approval criteria, which may consider factors like income level and repayment history

While these factors improve your chances, the final decision rests with SBI based on their evaluation process.

Documents Required

• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

  FAQs : 

What are the fees and how can the annual fee be waived?

Joining & Annual Fee: ₹499 + GST each year.

Annual Fee Waiver: Spend ₹1,00,000 in a year and the renewal fee is reversed in the next year. 

How are reward points earned?

10X Rewards: On spends with partner merchants like BookMyShow, Apollo24x7, Cleartrip, Myntra, Yatra, Netmeds, and more.

5X Rewards: On all other online purchases.

1 Reward Point: On all other spends (offline). 

What is the welcome benefit?

You get an Amazon.in gift card worth ₹500 on payment of the joining fee. 

Does this card offer any milestone rewards?

Yes, you receive e-vouchers worth ₹2,000 each on reaching annual online spend milestones of ₹1,00,000 and ₹2,00,000. 

Is lounge access or travel insurance included?

No. The SimplyCLICK card does not include complimentary airport lounge access or built-in travel insurance, benefits focus on online shopping rewards. 

How does reward redemption work?

Rewards are generally redeemed through the SBI Card Rewards Catalogue (e-gift vouchers, merchandise, etc.). It doesn’t convert directly to cashback or statement credit. 

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