If you are someone who loves online shopping and wants to save more while earning exclusive rewards, the SimplyCLICK SBI Card is one of the best entry-level credit cards in India. With attractive reward points, milestone vouchers, and an affordable annual fee, this card is perfect for beginners as well as regular online shoppers.
Key Benefits of SimplyCLICK SBI Card
1. Rewards Point Benefits
- Earn 1 reward point on every Rs.100 spent on other purchases.
- Get 10X reward points on online shopping at partner stores like Cleartrip, BookMyShow, Dominos, Yatra, Myntra, Netmeds, IGP, and Apollo 24/7.
- Earn 5X reward points on all other online spends.
2. Log-in Gift
- On payment of the annual fee of Rs.499 + taxes, you receive an Amazon gift card worth Rs.500.
3. Milestone Rewards
- Spend Rs.1 lakh annually online and receive a Cleartrip e-voucher worth Rs.2,000.
- Spend Rs.2 lakh annually online and receive another Yatra e-voucher worth Rs.2,000.
Note: Voucher details are sent via SMS to your registered mobile number.
4. Annual Fee Waiver
- Spend Rs.1 lakh in a year, and your annual fee of Rs.499 is waived off for the next year.
5. Other Benefits
- Contactless Payments: Make payments up to Rs.5,000 by simply tapping your card.
- Fuel Surcharge Waiver: Get 1% waiver on fuel transactions between Rs.500 – Rs.3,000 (maximum Rs.100 per statement cycle).
- Worldwide Acceptance: Accepted at over 24 million outlets worldwide (3.25 lakh in India).
- Free Add-on Cards: Family members above 18 years can get free add-on cards.
- Cash Facility: Withdraw cash up to Rs.1 lakh worldwide through Visa or MasterCard.
- Utility Bill Payments: Pay electricity, mobile, telephone, and other utility bills with Easy Bill Pay.
- Balance Transfer: Transfer outstanding dues from other bank cards at a low interest rate.
- Flexipay Option: Convert purchases above Rs.2,500 into easy EMIs.
- Easy Money: Order a bank draft through customer care at any time.
Fees & Charges of SimplyCLICK SBI Card
| Type of Charge | Fee |
|---|---|
| Annual Fee | Rs.499 (first year) |
| Renewal Fee | Rs.499 (from 2nd year onwards, waived on Rs.1 lakh annual spend) |
| Add-on Fee | Nil |
| Finance Charge | Up to 3.50% per month (42% per annum) |
| Cash Advance Fee | 2.5% of transaction or Rs.500 (whichever is higher) |
| Cash Payment Fee | Rs.250 + taxes |
| Overlimit Fee | 2.5% of overlimit amount or Rs.600 (whichever is higher) |
| Balance Transfer | 0% for 60 days OR 1.70% p.a. for 180 days |
| Late Payment Fee | Rs.0 to Rs.1,300 depending on outstanding amount |
| Rewards Redemption Fee | Rs.99 per redemption |
| Card Replacement Fee | Rs.100 – Rs.250 |
Eligibility Criteria
- Age: 21 to 70 years
- Must be salaried or self-employed with a regular income
- Must have a good credit score and valid documents
Documents Required
- Identity Proof: PAN Card
- Address Proof: Aadhaar (masked), Passport, Driving License, Voter ID, NREGA card, etc.
- Income Proof: Salary slip/ITR (as required)
- KYC documents as per SBI guidelines
How to Apply for SimplyCLICK SBI Card Online
Applying for this card is very simple. Just follow the steps below:
- Click on this affiliate link to apply for the SimplyCLICK SBI Card.
- You will be redirected to the official partner website.
- Enter your personal, professional, and KYC details.
- Fill in the application form and click on Submit.
- Upload and submit the required documents.
- Once submitted, you will receive an Application ID to track your status.
Alternatively, you can also apply through BankBazaar by visiting the credit card section and filling out the application.
Final Verdict
The SimplyCLICK SBI Card is a great choice for online shoppers who want maximum rewards on digital spends with a low annual fee. With partner store benefits, milestone rewards, and an annual fee waiver option, this card offers excellent value for money. If you shop online frequently, this is definitely one of the best SBI credit cards for beginners.
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