If you are looking for an entry-level card, the SBI SimplyCLICK Credit Card is the right choice. This is a reward points-based credit card with a decent rewards program. It offers up to 10x reward points on online spends, which can be redeemed at any point in time. This card provides reward points for online as well as offline spending. Moreover, if someone is fond of online shopping, then this card offers exclusive discounts and deals on partner e-commerce websites, making your shopping experience more rewarding.
Other card benefits include a discount of up to 10% on online shopping, complimentary e-vouchers, and many more. Plus, it has a low annual fee, which means you don’t have to spend much to get and use this card. Read on to learn more about the SBI SimplyCLICK Credit Card:
Overview
| Feature | Details |
|---|---|
| Card Type | Online Shopping Credit Card |
| Reward Rate | Up to 10x Reward Points on online spends |
| Reward Value | 1 Reward Point = ₹0.25 |
| Annual Fee | ₹499 + GST (waived on annual spends of ₹1 Lakh) |
| Unique Selling Points | Exclusive discounts on partner websites, high reward rate on online spends |
| Rating (out of 5) | 4.3 |
Table of Contents
Welcome Benefits
| Welcome Benefit | Details |
|---|---|
| E-Voucher | ₹500 Amazon e-voucher on payment of annual fee |
| Additional Benefits | Discounts on various online shopping portals |
Charges for Card
| Fee Type | Charges |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived on annual spends of ₹1 Lakh) |
| Finance Charges | 3.50% per month (42% per annum) |
| Late Payment Fee | ₹400 to ₹1,300 based on the outstanding balance |
| Foreign Transaction Fee | 3.5% + GST |
| Rent Payment | 1% fee using third-party apps like CRED, Paytm |
| Education | 1% fee using third-party apps |
| Utilities | No additional charges |
SBI SimplyCLICK Credit Card Benefits
Travel Benefits: Complimentary travel insurance coverage.
Dining Offers: Discounts at partner restaurants through the SimplyCLICK program.
Fuel Surcharge Waiver: Waiver of 1% fuel surcharge on fuel transactions at all petrol pumps in India.
Insurance and Protection: Purchase protection, extended warranty, and fraud liability coverage.
Rewards
| Spend Category | Reward Rate |
|---|---|
| Online Spends on Partner Websites | 10x Reward Points per ₹100 spent |
| Other Online Spends | 5x Reward Points per ₹100 spent |
| Offline Spends | 1 Reward Point per ₹100 spent |
| Reward Value | 1 Reward Point = ₹0.25 |
| Rewards Expire in | 2 years |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| Annual Spend of ₹1 Lakh | ₹2,000 Cleartrip e-voucher |
| Annual Spend of ₹2 Lakh | ₹2,000 Cleartrip e-voucher |
Redemption
Reward Points can be redeemed for:
- Shopping Vouchers: Use points to get vouchers for leading brands.
- Travel Bookings: Redeem points for flight and hotel bookings.
- Gift Vouchers: Available for various brands and services.
Airport Lounge Access
| Access Type | Details |
|---|---|
| Domestic Lounges | Not available with this card |
Forex Markup Fee
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
Who Should Get the Card
The SBI SimplyCLICK Credit Card is perfect for individuals who love online shopping and want to earn significant rewards on their spends. With exclusive discounts on partner websites like Amazon, BookMyShow, Cleartrip, and more, this card is designed to cater to the lifestyle of avid online shoppers. Whether you are a tech-savvy shopper, a frequent traveler, or someone who loves to dine out, this card has something for you. Unlock your savings journey with the SBI SimplyCLICK Credit Card.
Eligibility for SBI SimplyCLICK Credit Card
To apply for the SBI SimplyCLICK Credit Card, applicants must meet the following criteria:
- Age: 21 to 60 years for salaried individuals, 21 to 65 years for self-employed individuals
- Income: Minimum ₹20,000 per month for salaried applicants; ₹3 lakh per annum for self-employed applicants
- Documents Required: Aadhar Card, PAN Card, proof of income (latest salary slips, bank statements, or ITR), and residence proof.
Card Review
Along with being a highly affordable card, the SBI SimplyCLICK Credit Card is one of the most rewarding cards in the market for online shoppers. It has a unique reward point system where you earn high rewards on online spends and attractive discounts on partner websites. Besides this, it offers various benefits like dining discounts, fuel surcharge waiver, and travel insurance coverage. This card is best suited for people who are looking for a low-fee credit card with excellent rewards on online shopping. You won’t regret buying this smart and value-for-money credit card. Another card you must check is the SBI SimplySAVE Credit Card, which offers additional benefits and rewards.
This was the SBI SimplyCLICK Credit Card review from our side. Let us know your views on this card in the comment section below!
Pros and Cons
| Pros | Cons |
|---|---|
| High rewards on online spends | No lounge access |
| Exclusive discounts on partner websites | High foreign transaction fee |
| Low annual fee | Limited offline rewards |
Similar Cards to SBI SimplyCLICK
| Feature | SBI SimplyCLICK Credit Card | HDFC MoneyBack Credit Card | ICICI Bank Coral Credit Card | Axis Bank Neo Credit Card |
|---|---|---|---|---|
| Annual Fee | ₹499 + GST | ₹500 + GST | ₹500 + GST | ₹250 + GST |
| Lounge Access | No lounge access | No lounge access | 1 complimentary domestic lounge visit per quarter | No lounge access |
| Reward Rate | Up to 10x Reward Points per ₹100 spent | 2 Reward Points per ₹150 spent | 2 Reward Points per ₹100 spent | 2 Reward Points per ₹200 spent |
| Reward Value | 1 point = ₹0.25 | 1 point = ₹0.25 | 1 point = ₹0.25 | 1 point = ₹0.20 |
| Special Benefits | Online shopping rewards, exclusive discounts | Cashback on online spends | Dining discounts, fuel surcharge waiver | Discounts on movie tickets and travel bookings |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Lifetime Free Credit Cards in India
- Best Credit Cards for Online Shopping in India
- How to Maximize Credit Card Rewards
- SBI Credit Cards
For more detailed information about SBI credit cards and other financial products, you can visit the official SBI Card website.
FAQ
Q: What is the annual fee for the SBI SimplyCLICK Credit Card?
A: The annual fee is ₹499 + GST, with the same amount charged for renewal each year.
Q: How can I earn reward points with the SBI SimplyCLICK Credit Card?
A: You can earn up to 10x Reward Points per ₹100 spent on online shopping at partner websites.
Q: How can I redeem the reward points earned with the SBI SimplyCLICK Credit Card?
A: Reward Points can be redeemed for shopping vouchers, travel bookings, and gift vouchers through the SBI Card rewards portal.
Q: Does the SBI SimplyCLICK Credit Card offer any special benefits for dining?
A: Yes, the card provides discounts at partner restaurants through the SimplyCLICK program.
Q: What milestone benefits are available with the SBI SimplyCLICK Credit Card?
A: You can earn ₹2,000 Cleartrip e-voucher upon spending ₹1 Lakh annually and another ₹2,000 Cleartrip e-voucher upon spending ₹2 Lakh annually.
Q: Is the SBI SimplyCLICK Credit Card worth it for online shoppers?
A: Absolutely. With high rewards on online spends, exclusive discounts on partner websites, and a low annual fee, this card offers great value for online shoppers.
