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Fee Details
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The following are the significant highlights of SBI SimplyCLICK Credit Card:
| Rewards point benefits |
|
| Log-in Gift | On payment of annual fee of Rs.499 + applicable taxes, the card offers Amazon.in gift card worth Rs.500 |
| Milestone rewards | Cleartrip e-vouchers worth Rs.2,000 each given on annual online spends of Rs.1 lakh and Rs.2 lakh. |
| Annual fee waiver | Spend Rs.1 lakh or more on your SBI SimplyCLICK credit card and the annual fee will be waived and Rs.499 will be reversed. |
| Wave and make payments | The card is enabled for contactless technology hence allows you to make payments by simply waving it at the retail terminals. |
| Fuel benefit | Receive a 1% fuel surcharge waiver on every fuel transaction between the amounts of Rs.500 and Rs.3,000, excluding other charges and GST. |
| Worldwide acceptance | The SimplyCLICK SBI Card is accepted internationally and can be used in more than 24 million outlets across the globe including 3.25 lakh outlets within India. |
| Free add-on cards | Avail SBI add-on credit cards for the members of your family who are above the age of 18. |
| Cash facility | Offers over Rs.1 million cash withdrawal across the globe through Visa or MasterCard |
| Utility Bill Payment | Offers the facility of utility bill payment using the Easy Bill Pay facility on your SimplyCLICK SBI Card for making payment for electricity bill, mobile, telephone, or other utility payments. |
| Balance transfer facility | Outstanding dues from other bank credit cards can be transferred to SBI SimplyCLICK Credit Card at a low interest rate through the Balance transfer facility. |
| Flexipay option | Any purchase above Rs.2,500 can be converted into an EMI purchase with the Flexipay option. |
| Easy money facility | You can contact the SBI credit card customer care and order a bank draft at any time. |
| Type of Charge | Fee |
|---|---|
| Annual fee | Rs.499 |
| Renewal fee per annum | Rs.499 from second year onwards |
| Add-on fee per annum | Nil |
| Finance charge | Up to 3.50% per month (42% per annum) |
| Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs | 2.5% of the transaction amount or Rs.500 (whichever is higher) |
| Cash payment fee | Rs.250 + applicable taxes (from 1 September 2021) |
| Overlimit | 2.5% of overlimit amount or Rs.600 (whichever is higher) |
| Balance Transfer |
|
| Late payment |
|
| Payment dishonor fee | 2% of the amount (minimum of Rs.500) |
| Cheque payment fee | Rs.100 |
| Statement retrieval | Rs.100 per statement which is over 2 months old |
| Card replacement | Rs.100 to Rs.250 |
| Fee for increasing credit limit | Rs.200 per request for increase |
| Dynamic and static conversion fee |
|
| Network change fee | Rs.200 per request for network upgrade or network downgrade |
| Foreign currency transaction fee |
|
| Rewards redemption fee | Rs.99 (only on cash redemption, gifts, and specific vouchers) |
| Overdue finance charge | 3.65% per month (43.8% per annum) |
The following are the eligibility criteria for SimplyCLICK SBI Card:
You can check your eligibility to apply for the card on SBI website by following the steps provided below.
A list of credit cards would appear. If you are eligible to apply for SimplyCLICK SBI card, you will find the card in the list.
If you find it, click on ‘Apply Now’ button corresponding to the card to apply for it.
The following are the documents required to apply for SimplyCLICK SBI Card:
The following are the steps to apply for SimplyCLICK SBI Card online:
Step 1: Go to bankbazaar.com and click on the ‘Credit Cards’ tab.
Step 2: Click on the SBI Bank and then choose the SimplyCLICK SBI Card.
Step 3: Click on the ‘Check Eligibility’ button to establish your eligibility for the card.
Step 4: If eligible, you will be redirected to the online application page.
Step 5: Fill the online application form and click on ‘Submit’.
Step 6: Upload and submit the required documents in the following step.
Once you submit the application, you will receive an acknowledgement message with the Application ID. You can use the same to track your credit card application status, a week after submitting the application.
Those who frequently shop online can receive additional perks from the SBI SimplyCLICK credit card. If you frequently use partner companies like Cleartrip, BookMyShow, FoodPanda, and UrbanClap. Apart from this, amount spent on the partner e-commerce platforms will provide ten times more reward points which you can exchange for gift vouchers. Not only this but also cardholders will get annual fee waiver on spends more than Rs.1 lakhs.
Most of the features and advantages available with both cards are comparable. The key difference between the both is the interest charge levied on the outstanding amount. For instance, for SBI SimplyCLICK credit, the rate of interest is 3.35% per month. On the other hand, for SimplyCLICK Advantage, the rate of interest is 2.50% per month.
SBI SimplySAVE and SimplyCLICK credit cards have their own features and benefits. The SimplyCLICK credit card offers rewards on online purchasing, notably at partner stores like Netmeds, BookMyShow, Cleartrip, etc., while the SimplySAVE credit card offers benefits on regular in-store expenditures like grocery, eating, movies, etc.
There are various ways through which you can pay your SBI SimplyClick Credit Card bill online. Some of them are through debit card, Unified Payment Interface (UPI), National Electronic Fund Transfer (NEFT), mobile app, net banking, SBI Auto Debit, National Automated Clearing House (NACH), etc.
You can also pay your bill offline through some of the offline channels such as paying over the bank counter, cheque –manual drop box, cheque-electronic drop box, and SBI Automated Teller Machine (ATM).
In the event of you losing your SBI SimplyClick Credit Card, immediately get in touch with a bank customer care executive by calling the bank’s customer care number and requesting for your SBI credit card to be blocked. You can also visit the nearest branch of SBI and request your card to be blocked. Once that is done, you can request the bank to issue you a duplicate card.
If you find your lost credit card after getting it blocked, do not use it. Make sure that you destroy the card by cutting it across the magnetic strip.
There are two plans under Balance Transfer provided by SBI Simply CLICK Credit Card. Firstly, your outstanding balance may be transferred to your SBI SimplyClick Credit Card with a processing fee of 1.5% or Rs. 199, whichever is higher, and an interest rate of 0.75% per month for a period of three months. The second plan has a processing fee of 1.5% or Rs. 199, whichever is larger, and an interest rate of 1.27% per month for a six-month term.
Due to the impact of Covid-19, the Balance Transfer payment will be made directly through NEFT to your other bank credit card account instead of cheque.
If you are transferring your outstanding amount from a Visa Credit Card, then it will take three working days for the transfer to happen. If your credit card is not a Visa Card, then the amount will be transferred within five working days.
You can avail the Flexipay option by logging into your SBI Card online account or by sending SMS FP to 56767 or by calling 39 02 02 02 or 1860 180 1290, if you are a BSNL or MTNL customer.
You can choose any one of the repayment periods under the Flexipay facility as per your convenience - six, nine, 12 and 24 months.
Yes, you will have to pay a processing fee of 2.5% of the amount converted to Flexipay subject to a minimum amount of Rs.249 and maximum amount of Rs.1,500 plus the taxes applicable.
You can track your SBI SimplyCLICK Credit Card application by logging into their internet banking portal or calling SBI Credit Card customer care number. But SBI Card will regularly intimate you through text on your registered mobile number regarding the application status of SBI SimplyCLICK Credit Card.
The card charges a foreign currency transaction fee of 3.50% of the transaction amount.
The reward points earned on your SBI SimplyCLICK Credit card can be earned by either calling the customer service center by logging on to the net banking portal or mobile banking application.
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