SBI Card

SBI SimplyCLICK Credit Card

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The SBI SimplyCLICK Credit Card is an entry-level shopping credit card offered by SBI Card. It is among the most popular SBI credit cards in the entry-level segment, especially among first-time cardholders. This card is best suited for online shopping because it offers 10x reward points at some of the most popular online shopping and travel websites, including Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Lenskart. For other online and offline spending, you earn 5x rewards on online spends and one reward point for every Rs. 100 spent on all offline purchases.

SBI SimplyCLICK Credit Card

Key Benefits

The SBI SimplyCLICK Credit Card offers a range of features that cater to the needs of discerning individuals.

welcome bonus
  • Amazon Gift Card Worth Rs. 500
fuel surcharge waiver
  • 1% fuel surcharge is waived at all fuel filling stations across India for the transaction values between Rs. 500 and Rs. 3,000 (max benefit of Rs. 100 per month).
dining benefit
  • 10X Reward Points (2.5%) on Swiggy
zero lost card liability
  • The SBI Card provides zero liability protection with the Simply Click Card, according to which, the cardholder will not be liable for any unauthorized/fraudulent transactions made through the card if the card has been reported lost/stolen to the card issuer in a timely manner.
interest free credit period
  • Up to 50 days of interest free period
revolving credit
  • Available at a nominal interest rate
travel benefit
  • 10X Reward Points (2.5%) on Cleartrip, Yatra
insurance benefit
  • N/A
golf
  • N/A

Key Rewards

The SBI SimplyCLICK Credit Card offers a range of rewards.

reward points

  • 10X Reward Points (2.5%) on partner brands like Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, Yatra
  • 5X Reward Points (1.25%) on all other online purchases
  • 1 Reward Point (0.25%) for every Rs. 100 spent on other purchases.
  • ₹2,000 Cleartrip / Yatra Voucher on Annual spend of 1 Lakh and 2 Lakh respectively

reward redemption

  • Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the card’s outstanding balance, 1 RP = Rs. 0.25

reward validity

  • 2 Yeards from date they earned

other spend includes

  • EMI Transactions

other spend excludes

  • Gift Card purchases, utility bill payments, recharge on Amazon, Fuel,Rent Payment

Fees and Charges

The SBI SimplyCLICK Credit Card comes with a range of fees and charges that you should be aware of.

joining fee
₹499
annual fee
₹499
joining fee waiver
Amazon Gift Card Worth Rs. 500
annual fee waiver
Spend 1 lakh in the previous year to get annual fee waiver
annual interest rate
42%
add on card fee
Free
minimum repayment amount
5%
cash withdrawal fee
2.50%, minimum ₹500
cash advance limit
80%
card replacement fee
₹100
foreign transaction fee
3.50%
over limit penalty
2.50%
Loundge

The SBI SimplyCLICK Credit Card offers below loundge benefit.

domestic lounge
N/A
international lounge
N/A
railway lounge
N/A
Eligibility and Documents Required

To apply for the SBI SimplyCLICK Credit Card, you need to meet the following eligibility criteria and you will need following documents.

Eligibility Criteria

Resident: Indian
Age: 18 to 65 years
Occupation: Salaried or Self Employed
Income: For Salaried people income more than ₹ 20000, For Self-employed people income more than ₹20000, No information for students.

Documents Required

proof of identity: Pan Card
proof of address: Aadhar Card, Utility Bills, Ration Card, Passport, etc.
proof of income: the latest three months’ salary slips, the latest three months’ bank statement, or the latest audited financial report.

SBI SimplyCLICK Credit Card Rating

Charges
3.5/5
Rewards
4/5
Customer Service
3.5/5

Our Review For SBI SimplyCLICK Credit Card

The SBI SimplyCLICK Credit Card is a suitable choice for individuals who prioritize online shopping and seek a rewards credit card with a low annual fee. It offers decent reward points on all purchases, with additional benefits for online spending and exclusive partner rewards.
SBI has lots of offers with online platforms like amazon, flipkart etc. where you get 10% cashback on sbi cards in these cases this card can be used, you can't use SBI Cashback Credit Card in those places as mostly it's excluded there
This is not great cashback card as other cards like HDFC Millenia Credit Card and SBI Cashback Credit Card offer better rewards, but it can be very good first credit card
Pros
  • The Amazon voucher received as a welcome gift covers the annual fee charged.
  • Outstanding amount of other bank credit card can be transferred to be paid as low-interest EMI.
  • 5X reward points on online purchases.
    • Cons
  • No access to the domestic lounges.
  • Cash Advance, Balance Transfer, Encash, Flexipay and Offline Fuel transactions not included in reward point program.

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