Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI SimplyClick Credit Card

    Save each time you spend with the SimplyCLICK SBI Card. The first-year fee or the joining fee is Rs.499 while the annual fee from the second year onwards is also Rs.499. The annual fee is waived if you spend a minimum of Rs.1 lakh annually. The interest rate on this card is up to 3.50% per month or 42% per annum.
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    Key highlights of SBI SimplyCLICK Credit Card

    • A shopping credit card with exclusive benefits on online shopping
    • 10 times more reward points on online spends at partner websites
    • 5 times more reward points on all online spends
    • Milestone rewards
    • Annual fee waiver

    Shopping benefits offered by SimplyCLICK Credit Card

    • Welcome gift voucher
    • Accelerated rewards on online shopping

    Offers on Bank Bazaar

    • Check your eligibility for the SimplyCLICK Credit Card for free
    • Free credit score check
    • 100% paperless approval and hassle-free processing guaranteed

    Features and benefits of the SimplyCLICK SBI Card

    Rewards point benefits
    • Earn 1 reward point on every Rs.100 spent on the card.
    • Get 10 times more reward points for online purchases made at partner stores including Amazon, Cleartrip, BookMyShow, FoodPanda, UrbanClap, and Lenskart.
    • 5X reward points on all other online spends.
    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.

    Fees and Charges of SimplyCLICK SBI Card

    Type of fee or charge Amount
    Joining fee Rs.499
    Annual fee Rs.499
    Interest rate Up to 3.50% per month
    Cash withdrawal fee
    • 2.5% of the transaction amount or Rs.300 per transaction (SBI ATMs)
    • 3% or Rs.300 (International ATMs)
    Rewards redemption fee Rs.99 per request
    Late payment fee
    • Total amount due Rs.0 to Rs.200 – NIL
    • Rs.201 to Rs.500 – Rs.100
    • Rs.501 to Rs.1,000 – Rs.400
    • Rs.1,001 to Rs.10,000 – Rs.600
    • Rs.10,001 to Rs.25,000 – Rs.800
    • Rs.25,001 and above – Rs.950
    Payment dishonour fee 2% of the payment amount or Rs.450
    Statement retrieval fee Rs.100 per statement
    Over-limit fee 2.5% of the over-limit amount or Rs.500
    Foreign currency transaction fee 3.5% of the transaction amount
    Card replacement charge Rs.100

    Eligibility Criteria to Apply for SimplyCLICK SBI Card

    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.

    • Visit SBI Credit Cards ‘Simplyfier’ page.
    • Click on ‘Your income and expense information’
    • Select your income and monthly expenditure and click on ‘Show my card

    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.

    Documents Required to Apply for SimplyCLICK SBI Card

    • Identity proof
    • Address proof
    • PAN card
    • Passport size photograph
    • Income proof document
    • Bank statement

    How to Apply for SimplyCLICK SBI Card Online?

    • Go to bankbazaar.com and click on the ‘Credit Cards’ tab.
    • Click on the SBI Bank and then choose the SimplyCLICK SBI Card.
    • Click on the ‘Check Eligibility’ button to establish your eligibility for the card.
    • If eligible, you will be redirected to the online application page.
    • Fill the online application form and click on ‘Submit’.
    • 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.

    SBI SimplyCLICK Credit Card FAQs

    1. What are the advantages of the SimplyCLICK SBI card?
      • SBI SimplyCLICK credit card provides more benefits to those who shop online quite frequently. If you are regular customer of most of the partner brands such as Amazon, Cleartrip, BookMyShow, FoodPanda, UrbanClap, and Lenskart, you can reap the best benefits.
      • Every spend on the partner e-commerce platforms would provide you 10 times more reward points, which can be exchanged for gifts and vouchers.
      • Besides that, the annual fee waiver on spends above Rs.1 lakh provides much value by enabling the cardholders to enjoy the benefits free for a lifetime.
    2. What is the difference between SBI SimplyCLICK and an SBI SimplyCLICK Advantage credit card?
      • Most of the features and benefits offered on both the cards are similar. The only difference is in the interest charge levied on outstanding due amount.
      • For SBI SimplyCLICK credit card the interest rate is 3.35% per month and for SimplyCLICK Advantage it is 2.50% per month.
    3. Which credit card is better - SBI SimplySAVE or SBI SimplyCLICK?
      • Every SBI credit card is unique and so are the SimplySAVE and SimplyCLICK credit cards.
      • While the SimplySAVE credit card provides you benefits on every day in-store purchases such as groceries, dining, movies, etc., the SimplyCLICK credit card provides benefits on online shopping, especially at the partner stores such as Amazon, Lenskart, BookMyShow, Cleartrip, etc.
    4. What are the modes of payment of SBI SimplyClick Credit Card bill?

      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.

    5. What should I do if I lose my SBI SimplyClick Credit Card?

      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.

    6. What should I do if I find my lost credit 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.

    7. What are the Balance Transfer plans offered by SBI SImplyClick Credit Card?

      There are two plans under Balance Transfer offered by SBI SimplyClick Credit Card. They are:

      • You can transfer your outstanding balance to your SBI SimplyClick Credit Card where an interest rate of 0.75% p.m. will be charged for a period of 3 months, and a processing fee of 1.5% or Rs.199 whichever is higher.
      • The other plan is where an interest rate of 1.27% p.m. will be charged for a tenure of 6 months, and a processing fee of 1.5% or Rs.199 whichever is higher.
    8. Through which mode will the Balance Transfer payment be made?

      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.

    9. How many days will it take for my outstanding balance to be transferred?

      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.

    10. How can I avail the Flexipay option?

      You can avail the Flexipay option by following any one of the steps given below:

      • You can log in to your SBI Card online account where on the portal you will find the Flexipay option. Click on it to avail the facility.
      • You can avail the facility by sending SMS FP to 56767.
      • You can also call the number 39 02 02 02, or 1860 180 1290 if you are a BSNL/MTNL customer to avail this facility.
    11. What is the repayment period under the Flexipay facility?

      You can choose any one of the repayment periods under the Flexipay facility as per your convenience - 6, 9, 12 and 24 months.

    12. Are there any processing charges for booking Flexipay?

      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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