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The SBI SimplyCLICK Credit Card is one of SBI’s most popular cards. It is a good entry level card from SBI for online shopping, giving 2.50% rewards on select partners, and 1.25% on all other online purchases. You can also earn an additional reward of upto 2% through the annual milestone program.

It is virtually a free card if you spend ₹1 lakh or more in a year.

SimplyCLICK SBI Credit Card

Snapshot

4.0

Card Blog Rating

The Bottom Line:

You earn 2.50% benefit on select partners – Apollo24×7, BookMyShow, Cleartrip, Eazydiner, Netmed, and 1.25% benefit on all online purchases. You get additional benefits of approx 2% if you achieve quarterly and annual card spend targets.

SimplyCLICK SBI Credit Card

on SBI Card website

SBI SimplyCLICK Credit Card

Reward Rate

0.2% – 4%

Other Benefits

Fuel Surcharge Waiver

Minimum Income

Fee Waiver at Rs. 50,000 annual spend

Annual Fee

₹ 5,00

Annual Fee Offers

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Pros & Cons of SBI SimplyClick Credit Card

Benefits of using the card

  • Beginner’s card from SBI for online shopping. Good benefit rate on various partners, especially if you achieve the milestone benefits also
  • 1st year annual fees is compensated by welcome offer, and annual card spend target (of ₹1 lakh) to get annual fee waiver is not very high

Limitations and drawbacks to consider

  • Better reward rate is available on some of the other credit cards in the marketplace. Special benefits limited to a set of selected online partners.
  • Limited options for redeeming your reward points

Features & Benefits of SimplyCLICK SBI Credit Card

2.50% benefit on select online partners (10X) – Myntra (fashion) || Cleartrip, Yatra (travel) || Swiggy, Dominos (dining) || BookMyShow (movies) || Apollo24×7, Netmeds (health & medicine)

1.25% benefit on all other online purchases (5X)

0.25% benefit on all other purchases (X)

Upto 2% additional benefit, on achieving annual spend targets (milestone privileges)

Fuel surcharge waiver, upto ₹100 per month

SBI Card customer care

3 lifetime-free add-on cards

SimplyCLICK SBI Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹499Welcome offer : Upon payment of annual fee, you will receive an Amazon gift card worth ₹500.
Renewal fee from 2nd year onwards₹499Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹1 lakh or more in the previous year.

Hence the card is virtually free , if you spend ₹1 lakh or more each year

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Other criteriaRegular source of income, good credit score preferably above 750

Applying & Tracking Application Status

Step-by-step guide

Online application process The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section. 

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application
Apply Now

on SBI Card website

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