SBI Simply Click Credit Card

SimplyCLICK SBI credit card seems to be beneficial for the new generation who make online purchases. SBI has focused their attention on the customers who shop online to make them earn numerous rewards as well as perks associated with this credit card. So if you’re a online shopping freak, then SimplyCLICK credit card is for you! To know more about SimplyCLICK credit card and its features, re

Last modified:2019-07-19


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SimplyCLICK SBI Credit Card

SBI has come out with the latest credit card – SimplyClick card promises to be beneficial for the new generation, who make online purchases. They have focused their attention on online shopping and has numerous rewards and perks associated with it. They have collaborated with some of the leading Indian e-commerce brands like Amazon India, Bookmyshow, Foodpanda, Lenskart, FabFurnish, Cleartrip, and Ola Cabs so that you’ll get more rewards points than other credit cards. The annual fee is pretty cheap and gives you the convenience of cashless shopping from around 22 million categories over hundreds of products. Dedicated to online purchases, it lets you make the best of your shopping habits as compared to other credit cards.

Annual fee and Renewal fee 499/-
Finance Charges 2.50%
E-Shopping Rewards 5X rewards
Foreign Currency Transaction Conversion mark up 3.5%

What is the annual membership fee for this credit card?

The annual membership fee for this credit card is Rs 499/- and the renewal fee is Rs 499/-. The renewal fee for this credit card is reversed for the subsequent year if your annual spends for the previous year is greater than Rs 1 Lakh. You can get a welcome e-gift card worth Rs 500 from Amazon. Reach annual spends of Rs 1 Lakh and 2 Lakh on your credit card to get e-voucher worth Rs 2000. Also get the annual fee of Rs 499 reversed on spending Rs 1 Lakh or more in the previous year.

What are the other tariffs and charges for this card?

The other tariffs and charges for SBI SimplyClick Card are as follows :

Fees

  • One time annual fee: Rs. 499
  • Renewal fee, per annum: Renewal fee charged from the second year is Rs 499/-, which is waived off if the annual spend for the last year is greater than or equal to 1,00,000
  • Add-on fee, per annum: No add-on fee is charged on this card

Extended Credit

  • Finance charges: 2.50% per month, accounting to 30% per annum from the transaction
  • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

  • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
  • Free Credit Period: Nil
  • Finance charges: 2.50% per month, accounting to 30% per annum from the date of withdrawal
  • Cash Advance Fee SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
  • International ATM: 3% of transaction amount, subject to a minimum of Rs. 300

Late Payment Fee

Customers have to pay late payment fee depending upon the total amount due.
 

Total Amount Due Late Payment Charges
Rs. 0 up to 200 Nil
Rs. 200 up to 500 Rs. 100
Rs. 500 up to 1000 Rs. 400
Rs. 1000 up to 10,000 Rs. 500
Rs. 10,000 and above Rs. 750

Other Charges

  • Cheque pick up: Rs. 90
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
  • Statement retrieval: Rs. 100 per statement, which is two or more months old
  • Charge slip retrieval: Rs. 225 per charge slip
  • Overlimit: 2.5% of over limit amount subject to a minimum of Rs. 500
  • Card replacement: Rs. 100
  • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
  • Foreign currency transaction: Conversion mark up – 3.5%
  • Rewards redemption fee: Rs. 99
  • Cash Payment fee: Rs. 100

Surcharge

  • Rs. 30 + 2.5% of the ticket amount for the train tickets booked at the Railway station.
  • 1.8% of transaction amount + service charge, as applicable for the train tickets booked online through irctc.co.in
  • For petrol and diesel and all the products and services sold at the petrol pump, there is 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000, exclusive of taxes.
  • The maximum fuel surcharge waiver for this credit card is Rs. 100 per statement cycle, per credit card account.
  • 1% of transaction amount (Min Rs. 10) for transaction Amount between Rs. 500 to Rs. 3,000

SBI SimplyCLICK Credit Card rewards

Some of the key benefits of this card are :

  • 10X rewards points on online shopping with exclusive partners – Amazon,  BookMyShow, Cleartrip, Foodpanda, Lenskart, OLA, Zoomcar
  • 5X rewards on all other online spends
  • Amazon.in gift card worth Rs 500 on joining
  • 1 reward point for each Rs 100/- spent on all other purchases
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
  • Milestone reward: Cleartrip voucher worth Rs 2,000 on annual online spends of Rs 1 Lakh and above

With SBI Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep

What are the Benefits of SBI Simply Click Credit Card?

  • Joining Gift: All SimplyCLICK SBI Card customers receive Welcome voucher worth Rs. 500 from Amazon on joining.
  • E-Shopping Rewards: Users can earn up to 5X rewards on online shopping.
  • E-Vouchers: Cardholders can bag e-vouchers worth Rs.2,000 each on an annual online spend of Rs.1 lakh and Rs. 2 lakh.
  • Rewards: Cardholders can earn 10X rewards on online spends with exclusive partners: Amazon/BookMyShow/Cleartrip/FoodPanda/Lenskart/OLA/ZoomCar
  • Complete Fuel Freedom: SimplyCLICK SBI Card users receive a 2.5% waiver for fuel surcharge on every transaction between the amounts Rs.500 to Rs.3000 made. This waiver is not inclusive of GST or any other charges (wherever applicable).
  • Annual Fee Reversal: Customers who spend Rs.1 lakh or more on their SI SimplyCLICK credit card will get a fee reversal on their card in the following year.


What is the Eligibility for SBI Simply Click Credit Card?

The applicant must fit into the eligibility criteria to avail this SBI Simply Click credit card. If the applicant is not eligible, he/she will not be allowed to get the SBI Bank credit card. The eligibility criteria are:

  1. Your age should be between 21 and 65
  2. You should have a stable monthly income
  3. You should be Salaried or Self-Employed

Document Requirement for Credit Card application:

Customers have to submit the following documents to avail SBI Simply Click credit card. The documents are submitted as proof of his identity and eligibility to pay his outstanding credit card bills. The documents necessary to process your credit card application include :

1. Pan Card copy/Letter from IT dept

2. Identity Proof (one of the below):

  • Pan Card (back & front)
  • Driving License (copy of name, add, photo pages)
  • Valid Passport (copy of name, add, photo pages)
  • Voter ID (back & front)

3. Address Proof (one of the below):

  • Electricity Bill, Phone Bill (not more than 2 months old)
  • Driving Licence
  • Passport, Visa
  • Ration Card
  • Bank statement, Passbook (not > 3 months)
  • Voters ID
  • Flat maintenance Bill (not > 2 months)
  • Rent Agreement

4. Salary slip of last 3 months or latest bank statement showing at least last 3 months of salary credit to your account

5. Passport size photograph.

What is the application procedure for this card?

You may apply for the SBI SimplyClick credit card online and it is a simple 3 step procedure.

Step 1: You start filling out your name, mobile number, and your email ID
Step 2: In the next step you are asked to share your details including do you already have an SBI credit card, Your full name, City, Source of income (Occupation), Date of birth, qualification, annual income, PAN number, and email ID. In this step, you will also have to verify your mobile number using an OTP that is sent to the mobile number given.
Step 3: In the next step you will fill out personal and professional details such as your gender, residence address, residence landline number, the name of the company you work for, office address, nature of the company, your designation, number of years you have worked with the current employer & office landline number.
Step 4: Once you fill out the application a representative from SBI will give you a call back in the next few days for any other required details.

Comparison with other Cards

SBI Platinum Card and SBI Signature Cards are some of the famous cards in SBI. They offer privileges like airport lounges benefits, gift and apparel vouchers and more. But the annual fee is Rs. 2999 and Rs. 4999 respectively. These cards are helpful if you've got significant expenses over 4 lakhs annually. But the SBI SimplyClick MasterCard has solely an annual charge of Rs. 499 and this fee would be waived if the expenses annually are over 1 lakh. This is a decent provide compared to different credit cards.
The ICICI Platinum MasterCard has no annual charges however you need a fixed deposit of Rs. 20,000 for availing it.
The Standard Chartered Platinum Credit Card offers reward points on the expenses made. But it carries a clause that it can only be availed for salaried officials having Rs. 25,000 per month. Again it has an entry fee of Rs. 399 and an annual fee of Rs. 799 from second year onward.
SBI SimplyClick card could be a good and simple choice for online purchases. You can accumulate your points and redeem them as you want. The annual charge is additionally affordable and you've got a wide choice of shops and types to buy from. Overall, this can be a good MasterCard and comes with good perks.

SBI SimplyClick Credit Card Credit Limit

The credit limit, which is an extent up to which you can shop using a credit card, would be offered based on your earnings and the credit score you have. The more the income and credit score, greater can be the limit and vice-versa. The stability in the income earned by you can also be taken into account by Standard Chartered before ascertaining the limit for you. It’s good to be calculative and spend accordingly to get a bill that can be paid easily on or before the due date.

SBI Credit Card Customer Care

The SBI credit card customer care number can be reached by the users to get their queries solved at any time. SBI credit card customer service can also be contacted through SMS, postal address, toll-free number, email ID and even through Twitter. Use the following modes to get in touch with the SBI credit card customer service.

Customer care number

Toll-free number - 1860 180 1290

Bangalore - 080 2594 3030

Chennai - 044 2821 4635

Delhi - 011 2336 1631, 011 2334 5756, 011 2336 1070

Mumbai - 022 2644 5532, 022 2644 5533

Hyderabad - 040 2475 6925

SMS number

To get SBI credit card information - SMS “HELP” to 5676791

Email

SBI credit card customer care mail ID - feedback@sbicard.com

Postal Address

SBI Card,
P.O. Bag 28,
GPO,
New Delhi - 110001


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