/Select/CreditCards/7d7c30f188874aabb27f78c6b61f2ddf.png)
SBI SimplyCLICK Credit Card
★★★★☆(4.7)Love shopping online? Whether it's ordering a quick bite to eat from Swiggy, booking flights on Yatra, or splurging during a Myntra sale, the SimplyCLICK SBI credit card claims to reward you for it all. With extra points on select brands, milestone vouchers, and online shopping perks, it seems like a solid pick for digital shoppers. But is it truly worth the ₹499 fee? Are the rewards as good as they sound, or is there a catch? Read the full review to find out if this card is the right match for you!
/Select/Issuers/3435351e157a4dd28f8d5f76253faac5.jpg){kind=small}
Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹499Annual Fee
₹499Annual Percentage Rate
42%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
80%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.25Balance from ₹0 to ₹500
₹0Balance from ₹500 to ₹1000
₹400Balance from ₹1000 to ₹10000
₹750Balance from ₹10000 to ₹25000
₹950Balance from ₹25000 to ₹50000
₹1100Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚The Amazon voucher received as a welcome gift covers the annual fee charged.
- ⮚Easy to use as this card can be used at over 24 million outlets across the globe.
- ⮚Outstanding amount of other bank credit card can be transferred to be paid as low-interest EMI.
- ⮚5X reward points on online purchases.
Cons
Aspects this credit card lacks.
- ⮚Reward points on Swiggy orders reduced from 10X to 5X.
- ⮚₹99 rewards redemption fee, which reduces overall savings.
- ⮚There is no exemption from the yearly charge for expenditures over ₹ 1,50,000.
- ⮚No access to the domestic lounges.
- ⮚Cash Advance, Balance Transfer, Encash, Flexipay and Offline Fuel transactions not included in reward point program.
SBI SimplyCLICK Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
The SimplyCLICK SBI credit card is made for online shopaholics. Whether you're ordering from Swiggy, splurging on Myntra, or booking a weekend getaway on Yatra, this card makes sure you get rewarded for it. The 10X reward points on select brands and 5X points on other online spends are a sweet deal if you mostly spend online. Plus, the ₹499 annual fee is pretty affordable and gets waived if you spend ₹1 lakh in a year.
A big plus is the milestone rewards. There's also a fuel surcharge waiver, so you save a bit every time you fill up your tank. And if you ever regret a big purchase, the easy EMI option lets you split payments without breaking a sweat.
Now, the not-so-great parts. No lounge access—so forget about sipping free coffee at the airport. Foreign currency charges are high (3.5%), so using it abroad may not be a good idea. No rewards on fuel, utility bills, or government payments, which means a lot of your monthly expenses won't fetch you points.
If you're someone who lives for online sales and food deliveries, this card is a smart pick. But if you want travel perks, you might want to swipe elsewhere.
Nevertheless, if you're open to the idea of cashback cards, you'll find several options in the same fee range that offer a more straightforward way to get value back. Some of them are:
1. HDFC Moneyback+ Credit Card 2. Standard Chartered Super Value Titanium Credit Card
Overview
| Best For | Online shopping |
|---|---|
| Joining Fee | ₹499 |
| Renewal Fee | ₹499 |
| Reward Rate | 0.25% to 2.5% |
| Welcome Benefits | Amazon gift card worth ₹500 |
| Best Feature | Rewards from Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dineout, and Lenskart. |
SBI SimplyCLICK Credit Card Maximum Cashback
| Spending category | Reward Points (RP) |
|---|---|
| Online spending with partner brands (Myntra, Yatra, etc.) | 10 RP for every ₹100 spent |
| All other online spending | 5 RP for every ₹100 spent |
| Offline spending | 1 RP for every ₹100 spent |
| Fuel, utility bills, government payments | No reward points |
Who should get an SBI SimplyCLICK Credit Card?
How to Apply for an SBI SimplyCLICK Credit Card?
1. Apply for an SBI SimplyCLICK Credit Card Online
- Visit the SBI Card's official website.
- Click 'Apply Now' beside the 'Apply' button.
- The screen will show all of the SBI credit cards. Choose the SBI SimplyClick Credit Card and press the Apply Now button.
- Fill out all of the essential information and apply for the card.
- The user's application number will be emailed and sent as an SMS to the phone number the user provided.
- Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
SBI SimplyCLICK Credit Card Eligibility
To apply for the SimplyCLICK SBI credit card, you should:
While these factors improve your chances, the final decision rests with SBI based on their evaluation process.
- 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
Documents Required
- Proof of identity: 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: 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: 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.