SimplyCLICK SBI Credit Card: Your Ultimate Online Shopping Companion
Welcome to CreditCardPath.in, your trusted source for credit card information in India. The SimplyCLICK SBI Credit Card is a fantastic choice for online shoppers, offering accelerated rewards on e-commerce platforms, travel, and entertainment. With a low annual fee of ₹499 and exclusive benefits like 10X reward points on partner brands, this entry-level card is perfect for millennials and first-time cardholders. In this comprehensive guide, we explore its features, rewards, fees, eligibility, and more to help you decide if this card suits your lifestyle. Read on to maximize your online shopping experience!
Why Choose SimplyCLICK SBI Credit Card?
The SimplyCLICK SBI Credit Card is designed for digital shoppers who love convenience and rewards. Whether you're booking movie tickets on BookMyShow, shopping on Myntra, or ordering food via Domino’s, this card offers unmatched value. Its contactless payment feature, global acceptance, and milestone benefits make it a versatile option. With an Amazon gift voucher worth ₹500 on joining and a 1% fuel surcharge waiver, it’s a budget-friendly card that delivers significant savings. Dive into the details below to understand how this card can enhance your shopping journey.
General Information
The SimplyCLICK SBI Credit Card is an entry-level credit card tailored for online shoppers, offering 10X reward points on partner brands like BookMyShow, Myntra, and Cleartrip. With a low annual fee of ₹499 (waived on ₹1 lakh annual spends), it provides a ₹500 Amazon gift voucher on joining, 5X rewards on other online spends, and a 1% fuel surcharge waiver. Ideal for millennials and first-time cardholders, this card ensures convenience with contactless payments and global acceptance. Explore its features, eligibility, and application process to make informed financial decisions.
Basic Details
| Feature | Details |
|---|---|
| Card Issuer | State Bank of India (SBI Card) |
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived if annual spends ≥ ₹1,00,000) |
| Card Category | Shopping, Rewards |
| Rewards | 10X on partner brands, 5X on other online spends, 1 point per ₹100 offline |
| Airport Lounge Access | Not Available |
| Railway Lounge Access | Not Available |
| Network | Visa |
| Contactless Payments | Yes |
Extra Details
- Welcome Benefit: Amazon gift voucher worth ₹500 on payment of joining fee.
- Milestone Benefits: Cleartrip e-voucher worth ₹2,000 each on annual spends of ₹1 lakh and ₹2 lakh.
- Flexipay: Convert transactions above ₹2,500 into EMIs within 30 days.
- Balance Transfer: Transfer other credit card balances at a lower interest rate.
- Global Acceptance: Usable at over 24 million outlets worldwide, including 3,25,000 in India.
- Add-on Cards: Free add-on cards for family members above 18 years.
- Utility Bill Payments: Pay electricity, telephone, and mobile bills via Easy Bill Pay.
Features and Benefits
- Earn 10X reward points on online spends with partners like Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, and Yatra.
- Get 5X reward points on all other online purchases.
- Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (up to ₹100 per statement cycle).
- Contactless payments for quick and secure transactions.
- Annual fee reversal on spending ₹1 lakh annually.
- Amazon gift voucher worth ₹500 as a welcome benefit.
- Milestone rewards: ₹2,000 e-vouchers on ₹1 lakh and ₹2 lakh annual spends.
Rewards and Cashback
- 10X Reward Points: On online spends with partners (Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Yatra).
- 5X Reward Points: On all other online spends (except utility payments).
- 1 Reward Point: Per ₹100 spent on offline purchases.
- Reward Value: 4 points = ₹1 (0.25% value on offline spends, higher on online).
- Redemption: Redeem points for gift vouchers, merchandise, or flight tickets via SBI Card website or mobile app. A ₹99 redemption fee applies.
- Point Expiry: Points expire 24 months from accrual.
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived if spends ≥ ₹1,00,000) |
| Finance Charges | 3.5% per month (42% annually) |
| Foreign Currency Markup | 3.5% of transaction amount |
| Cash Advance Fee | 2.5% of amount (minimum ₹500) |
| Reward Redemption Fee | ₹99 per redemption |
| Late Payment Fee | Varies based on outstanding amount |
Eligibility
- Age: 21 to 70 years.
- Income: Salaried (net monthly income > ₹25,000) or self-employed (ITR > ₹3 lakh per annum).
- Credit Score: Preferably 720+ with no delayed payments in the last 12 months.
- Nationality: Indian citizen.
- Credit History: Clean credit history preferred; new-to-credit salaried applicants may be considered.
Documents Required
- Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License.
- Address Proof: Aadhaar Card, Passport, Driving License, Electricity Bill, or Gas Bill.
- Income Proof: Last 3 months’ salary slips, last 3 months’ bank statements, or latest ITR.
- Photograph
Railway Lounge Access Not Available Network Visa Contactless Payments Yes
Extra Details
- Welcome Benefit: Amazon gift voucher worth ₹500 on payment of joining fee.
- Milestone Benefits: Cleartrip e-voucher worth ₹2,000 each on annual spends of ₹1 lakh and ₹2 lakh.
- Flexipay: Convert transactions above ₹2,500 into EMIs within 30 days.
- Balance Transfer: Transfer other credit card balances at a lower interest rate.
- Global Acceptance: Usable at over 24 million outlets worldwide, including 3,25,000 in India.
- Add-on Cards: Free add-on cards for family members above 18 years.
- Utility Bill Payments: Pay electricity, telephone, and mobile bills via Easy Bill Pay.
Features and Benefits
- Earn 10X reward points on online spends with partners like Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, and Yatra.
- Get 5X reward points on all other online purchases.
- Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (up to ₹100 per statement cycle).
- Contactless payments for quick and secure transactions.
- Annual fee reversal on spending ₹1 lakh annually.
- Amazon gift voucher worth ₹500 as a welcome benefit.
- Milestone rewards: ₹2,000 e-vouchers on ₹1 lakh and ₹2 lakh annual spends.
Rewards and Cashback
- 10X Reward Points: On online spends with partners (Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, Yatra).
- 5X Reward Points: On all other online spends (except utility payments).
- 1 Reward Point: Per ₹100 spent on offline purchases.
- Reward Value: 4 points = ₹1 (0.25% value on offline spends, higher on online).
- Redemption: Redeem points for gift vouchers, merchandise, or flight tickets via SBI Card website or mobile app. A ₹99 redemption fee applies.
- Point Expiry: Points expire 24 months from accrual.
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived if spends ≥ ₹1,00,000) |
| Finance Charges | 3.5% per month (42% annually) |
| Foreign Currency Markup | 3.5% of transaction amount |
| Cash Advance Fee | 2.5% of amount (minimum ₹500) |
| Reward Redemption Fee | ₹99 per redemption |
| Late Payment Fee | Varies based on outstanding amount |
Eligibility
- Age: 21 to 70 years.
- Income: Salaried (net monthly income > ₹25,000) or self-employed (ITR > ₹3 lakh per annum).
- Credit Score: Preferably 720+ with no delayed payments in the last 12 months.
- Nationality: Indian citizen.
- Credit History: Clean credit history preferred; new-to-credit salaried applicants may be considered.
Documents Required
- Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License.
- Address Proof: Aadhaar Card, Passport, Driving License, Electricity Bill, or Gas Bill.
- Income Proof: Last 3 months’ salary slips, last 3 months’ bank statements, or latest ITR.
- Photograph: Recent passport-size photograph.
- Consent Form: Signed consent form (if required by SBI).
How to Apply
- Visit the official SBI Card website.
- Navigate to the “SimplyCLICK SBI Card” section and click “Apply Now.”
- Fill in personal details, including name, mobile number, and income information.
- Verify your mobile number with the OTP sent by SBI.
- Upload required documents (identity, address, and income proof).
- Submit the application and note the application ID for tracking.
- Alternatively, visit an SBI branch to apply offline with physical documents.
How and Where to Use for Maximum Benefits
- Shop with Partner Brands: Use the card on Apollo 24x7, BookMyShow, Cleartrip, Domino’s, Myntra, Netmeds, and Yatra to earn 10X reward points.
- General Online Shopping: Earn 5X reward points on other online purchases like Amazon, Flipkart, or Swiggy.
- Fuel Transactions: Spend between ₹500 and ₹3,000 at petrol pumps to avail 1% fuel surcharge waiver.
- Milestone Spending: Reach ₹1 lakh and ₹2 lakh annual spends to earn Cleartrip e-vouchers worth ₹2,000 each.
- Contactless Payments: Use for small-ticket purchases at Visa-enabled merchants for quick transactions.
- Bill Payments: Pay utility bills via Easy Bill Pay to manage expenses efficiently.
Other Banks’ Similar Cards
- Amazon Pay ICICI Credit Card: 5% cashback for Prime members on Amazon, 3% for non-Prime, no annual fee.
- HDFC MoneyBack+ Credit Card: 10X points on partner brands, 2X on online spends, ₹500 joining fee.
- Axis Bank Flipkart Credit Card: 5% cashback on Flipkart, 4% on partner merchants, ₹500 annual fee.
- YES Bank PaisaSave Credit Card: 3% cashback on all online spends, ₹499 annual fee.
- Tata Neu Plus HDFC Credit Card: 2% NeuCoins on Tata Neu, ₹499 annual fee.
Official Websites and Apply Link
- Official Website: SBI Card
- Apply Link: Apply for SimplyCLICK SBI Card
- Customer Care: SBI Card Customer Service
Card Review
The SimplyCLICK SBI Credit Card is a stellar option for online shoppers, particularly millennials and first-time cardholders. Its 10X reward points on partner brands and 5X on other online spends make it highly rewarding for e-commerce enthusiasts. The ₹500 Amazon voucher offsets the joining fee, and the annual fee waiver on ₹1 lakh spends is easily achievable. However, the lack of lounge access and high foreign currency markup (3.5%) limit its appeal for travelers. Compared to cashback cards, its reward redemption (₹99 fee) is less straightforward, but the milestone benefits add value. Overall, it’s a cost-effective card for digital shoppers.
Disclaimer
The information provided about the SimplyCLICK SBI Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not the official website of SBI Card. Please verify details with the official SBI Card website or contact their customer service before applying. CreditCardPath.in is not responsible for any discrepancies or losses incurred.
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