Overview:
Especially created for a digitally aware generation, the SBI SimplyClick Credit Card is must have card. With a whole wide world of benefits that come with it, the SimplyClick Credit Card is a card that has advantages lined up for everyone. With a plethora of rewards and offers up for grabs, this card can be used for various purchases from retail spends to booking tickets online and is also accepted almost everywhere globally.
Benefits of the SBI SimplyClick Credit Card:
Log-in Gift:
All SBI SimplyClick Credit Card customers receive an e-gift voucher from Amazon worth Rs. 500 as part of their welcome hamper. These vouchers are received by customers after paying an annual membership fee and is valid for six months.
E-Shopping Rewards:
Users can earn upto 10X rewards on online shopping with partners such as Amazon, Cleartrip, Foodpanda, Lenskart, FabFurnish, Ola Money and BookMyShow. On shopping done on other sites, 5X rewards can be earned. For other spends, every time customers spend Rs. 100, they stand to earn 1 reward point. These points can then be redeemed against a variety of exciting gifts that are available in the Rewards Catalogue.
It is to be noted that Balance Transfer, Flexipay, Cash Advance, Encash and Fuel transactions cannot be redeemed through points earned via the Rewards program.
Milestone Rewards:
For Rs. 1 lakh and Rs. 2 lakh spent online annually, customers receive e-gift vouchers valued at Rs. 2000 each.
Complete Fuel Freedom:
SBI SimplyClick Credit 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 and any other charges (wherever applicable).
Annual Fee Reversal:
Customers whose spends come upto Rs. 1,00,000 get a fee reversal of Rs. 499 per year on their card in the following year.
Features of the SBI SimplyClick Credit Card:
Acceptance Worldwide:
The SBI SimplyClick Credit Card is accepted internationally card that can be used in more than 24 million outlets world over which includes over 3 lakh outlets within India. Users need to only look for a MasterCard/Visa acceptance sign.
Credit Facility:
Users have the option of clearing their outstanding payments according to a plan that is suitable to them, thanks to the extended credit option. The SBI SimplyClick Credit Card offers a revolving credit facility along with payment flexibility. Any amount from the minimum amount that is to be paid until the total amount that is outstanding, as shown in the user’s Monthly Statement can be paid and the unpaid balance can then be carried forward at very low finance charges.
Add-on Cards:
SBI SimplyClick Credit Card users have the option of procuring add-on cards for their family members including children who are above the age of 18, parents and spouse.
No Fuel Surcharge:
Customers can avail the benefits of other fuel credit cards in the country through the SimplyClick Credit Card. When this card is used to buy diesel, petrol or lubricants at any petrol pump outlet, fuel surcharge need not be paid. This option is applicable when fuel is purchased between the amounts of Rs. 500 and Rs. 3000 at all times for every transaction.
Cash on the Go:
SBI SimplyClick Credit card holders have access to over a million MasterCard/Visa ATMs worldwide to withdraw cash from. This also includes 18,000 ATMs within India itself. Along with this, users also have access to more than 10,000 ATMs that are affiliated to SBI in over 100 cities across the country.
Online Railway Ticket Booking:
Customers can now easily book their railway tickets online with their SBI SimplyClick Credit Card through the IRCTC website.
Utility Bill Payment:
SBI SimplyClick Cardholders can now avail the Easy Bill Pay facility through which various bills such as electricity, telephone and insurance can be paid online and on time.
Peace of Mind:
Security is given the utmost priority and customers have access to the SBI Card Customer Helpline and the 24 hours MasterCard/Visa Global Customer Assistance Services available globally that can be contacted during an emergency.
Balance Transfer:
Users now have the opportunity to save their money while they pay their dues. Outstanding dues from their other credit cards can now be transferred to their SBI card at very low interest rates.
Flexipay:
A simple installment plan allows users to purchase items of their choice with the option to repay in convenient monthly installments. SBI SimplyClick Card customers can opt for a plan that is suitable to their financial requirements and receive a low interest rate.
Easy Money Facility:
Just by calling the local SBI Card Customer Helpline, users can now order a bank draft at any point of time. The bank draft amount will be directly billed to the user’s SBI SimplyClick Credit Card account. This is especially useful while making payments related to fees, taxes, bills and others. Further details can be sought from the SBI Card Helpline.
E-Statement:
SBI SimplyClick Credit Card customers have the option of receiving their monthly statements through their e-mail, 24 hours and on all days of the week.
SBI Card Alerts:
Through the SBI Card Alerts, customers can receive information anywhere related to the status of their credit cards via an SMS on their cell phones. These alerts include Cheque Alerts, Mini Statement Alerts, Cash & Credit Alerts and Payment Assistance Alerts. Customers can subscribe to these alerts by visiting the SBI Card website or by calling the SBI Card Customer Helpline.
SBI Card Online:
SBI SimplyClick Credit Cardholders can now manage their card account online by visiting the SBI Card website. Various benefits such as locating the closest ATM affiliated to SBI, requesting a change of address, checking statements online or winning fabulous prizes can be availed through this feature.
Drop Box Locator:
SBI SimplyClick Credit Card users can now locate the closest SBI Card Drop Box by following a couple of simple steps.
Documentation required:
- PAN card
- ID proofs
- Driving License
- Passport
- Voter’s ID
- UID Aadhaar Number
Eligibility:
The eligibility for procuring an SBI SimplyClick Credit Card is decided based on the applicant’s declared income and employment, among other factors.
Fees and Charges:
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A single time Joining Fee
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Rs. 499
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Annual Fee
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Nil unless the total amount of purchases made in the previous year is below Rs. 1,00,000. If so, Rs. 499 will be charged as the fee.
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Add-on Fee per annum
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Nil
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Extended credit - Interest Free Period
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A period of 20 to 50 days and is applicable on retail related shopping only and if the outstanding balance amount from the previous month is paid completely
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Extended credit - Finance Charges
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A maximum of 3.35% per month or 40.2% per annum calculated from the date of transaction
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Extended credit - Minimum Amount Due
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A minimum of Rs. 200 or 5% of the Total amount outstanding along with Government Service Tax and in the case of loans, EMI is also included.
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Cash Advance Limit
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A maximum of 80% of the credit limit. In case of a SimplySave or a SimplyClick Card holder the maximum amount is Rs. 12,000 per day and Rs. 15,000 per day for Platinum and Signature Card holders.
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Cash Advance - Free Credit Period
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Nil
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Cash Advance - Finance Charges
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A maximum of 3.35% per month or 40.2% yearly, calculated from the transaction date.
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Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs
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Rs. 300 or 2.5% of the amount withdrawn, for each transaction
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International ATMs
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Rs. 300 or 3% of the amount withdrawn, for every transaction
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Cheque Pickup
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Rs. 90
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Statement Retrieval
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If over 2 months, then Rs. 100 for each statement
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Chargeslip Request
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For each chargeslip, Rs. 225 is charged
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Overlimit
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A minimum of Rs. 500 or 2.5% of the overlimit amount
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Rewards Redemption Fee
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Rs 99 along with Government Service Tax
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Cheque Pickup
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Rs. 90
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Cash OTC fee
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Rs. 100
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Replacing the card
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Rs. 100
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Surcharge - Railway Ticket
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Rs. 30 plus 2.5% of the transaction amount
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How to apply for the SBI SimplyClick Credit Card online?
- Visit BankBazaar.com and click on the Credit Cards tab.
- Under this tab you will find various credit card options from which you should click on the SBI Bank and then choose the SimplyClick Credit Card.
- You can also check whether you are eligible for the credit card by using BankBazaar’s eligibility calculator tool. According to your eligibility and needs, a list of credit cards will be projected on the page.
- Analyze, compare and choose the ideal credit card and click on the “Apply” option to instantly apply online for the credit card.
SBI UBI Credit Card FAQs:
- Is there a joining fee charged while procuring the SBI UBI Credit Card?
Yes, there is a one-time joining fee of Rs. 499 that is charged.
- How can customers book a railway ticket online using their SBI UBI Credit Card?
Customers can now book their railway tickets online in the following simple steps -
- Users need to register on the IRCTC website, which is free of cost
- They need to log in to their account after creating it by providing their username and password
- Tickets can then be booked by following the instructions that are given on the website
- SBI card can be used to make payment via either of the two gateways provided, both of which accept all MasterCards.
Users should note that the IRCTC website’s terms and conditions governs all transactions made through the website.
- Is there a surcharge applicable on railway ticket booking?
Yes, 1.8% of the amount transacted along with service charges, wherever applicable is charged.
- How can users locate the closest SBI Card Drop Box?
Users need to type “PIN” followed by a and their 6 digit pin code and send it to the given number, following which they will receive the list of drop boxes in their locality.
- Is there any fee charged on late payment?
Yes, fee is charged based on the total amount that is due. The table below gives further details.
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Total Amount Due
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Fee Charged
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< Rs. 200
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Nil
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Rs. 201 - Rs. 500
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Rs. 100
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Rs. 501 - Rs. 1000
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Rs. 200
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Rs. 1001 - Rs. 10,000
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Rs. 500
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> Rs. 10000
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Rs. 750
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Details
Rs.750 Amazon voucher free
Paperless approval option available
