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Fee Details
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
| Rewards point benefits |
|
| 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. |
| 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. |
| 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. |
| 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 | Rs.499 |
| 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 |
| Overlimit | 2.5% of overlimit amount or Rs.600 (whichever is higher) |
| 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 eligibility for procuring the SimplyCLICK SBI Card is decided based on the applicant’s declared income and employment, among other factors.
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.
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.
There are various ways through which you can pay your SBI SimplyClick Credit Card bill online. Some of them are through debit card, UPI, 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 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 offered by SBI SimplyClick Credit Card. They are:
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 3 working days for the transfer to happen. If your credit card is not a Visa Card, then the amount will be transferred within 5 working days.
You can avail the Flexipay option by following any one of the steps given below:
You can choose any one of the repayment periods under the Flexipay facility as per your convenience - 6, 9, 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.
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