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

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 1
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Need to look for customer"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one am having from the last three to four years of time. Rate of interest is huge with them and reaching out the customer service is also really a tough one. They are charging the standardized rate of interest on a monthly basis. It looks like something which is P rivaling in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With the SBI platinum credit card the interest rates is really high and the customer support is not up to the mark. I don't get any benefits with this card. I hold this card for past 3 years. The Sbi can increase the credit limit with this card. Overall I am satisfied with the service
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It was quite good to use style credit card of State bank of India. . I don't have any charges on my statement no hidden charges anything its clear.credit limit they have offered is 35000 rupees overall experience was fine with state bank of India.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      Earlier I had simply save credit card now they upgraded for Platinum card. SBI simply save card has one point for 100 rupees spent. But platinum has two points for 100 rupees. If I wish. I could redeem the points into cash or voucher. Features are good with SBI credit card they got tie up with many outlets like KFC, coffee day etc.
      Was this review helpful? 0
      , narwana
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Convenient Shopping with SBI ELITE"
      0.5 5.0/5 "Blown Away!"
      Almost SBI credit card interest rate is equally good. I am holding Platinum Elite credit card it has the credit limit of Rs.2.4 lakhs. Frequently I shop with my credit card, I purchased many home appliances 65,000 CREDIT LIMIT. There is no annual charges, its a life credit limit, I got maximum cash back of Rs.65,000 which is really great.
      Was this review helpful? 1
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Its Convenient "
      0.5 3.0/5 "Satisfactory"
      I couldn't redeem SBI reward points into cash, I am using SBI credit card for past eight month, I used to get cash back in online shopping upto 10% to 15%. I am happy about it. SBI offered me good credit limit, its very much satisfied. Overall I am happy with their offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
      Was this review helpful? 1
      , udaipur
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "The best for a credit card"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent in the services. When ever I call the customer support they respond well and on the same day they sort out what ever my clarification might be. There are reward points and I benefit a lot with this credit card when I use it online as I get 5% to 10% cash back. There is a annual fee of Rs.500 and it is waived off as my transactions crosses the specified limit. I am also happy with the online banking, because when I log in I am able see the details of my outstanding and principle and due date. I do not have to navigate much for information.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Offers has to be improvement"
      0.5 3.0/5 "Satisfactory"
      SBI interest rate is high they taking high processing fee for EMI conversion, they didn't give any another offers on the credit card. I am using SBI Simply Save credit card for past one year they offered me the credit limit of Rs. 1 lakhs its good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Good to use for railway tickets"
      0.5 5.0/5 "Blown Away!"
      I have SBI IRCTC credit card, I used to book the railway tickets with that card and I am getting good offers with good reward points. For 100 rupees spent - 1 points, last year I have accumulated and got 2000 rupees voucher for the shopping, I am very happy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card at SBI is good and the best is the fast process in me getting the card. There is a annual fee of 499% and it gets waived off if I swipe my card for a certain limit. The drawback is that the credit limit was lesser than what was promised.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      I am having the credit card with the SBI and I got it from them because I had the salary account with them. Customer service is good one with them and the credit limit is good one and I made it in optimized manner. Online services were good with them before but after merging , I have faced some issues with them.
      Was this review helpful? 0
      , dharapuram
      Reviewed on May 24, 2017
    Common Loader Icon

    SimplyCLICK Advantage SBI Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    SimplyCLICK Advantage SBI Credit Card is ideal for people who love to shop online. This card offers multiple features and benefits that can be very beneficial for you if you regularly spend money online.

    Key Points:

    • 10x Rewards on online spends at partner stores.
    • 5x Reward Points on all online spends
    • Amazon voucher worth Rs.500 as welcome gift.
    • Bonus rewards on annual spends online.
    • 0% fuel surcharge.

    Benefits:

    • Welcome Gift – Apply for SimplyCLICK Advantage SBI Card and avail an e-gift Amazon voucher worth Rs.500.
    • Reward Points – Earn 10x Rewards on all your online purchases with partner stores such as Amazon, Cleartrip, BookMyShow, FabFurnish, Foodpanda, Lenskart, etc. Enjoy 5x Rewards on all your other online spends. For every Rs.100 you spend using this card, you will get 1 Reward Point.
    • Fuel Surcharge – Enjoy 2.5% fuel surcharge waiver at Indian petrol pumps when you pay using this card. The offer can be availed by you if you spend a minimum of Rs.500 and up to Rs.3,000 on fuel.
    • Rewards – Spend Rs.1 Lakh or Rs.2 Lakh annually on online purchases to earn e-voucher worth Rs.2,000.
    • Reversal of Annual Fee – Spend Rs.1 Lakh annually to get your annual fee worth Rs.499 reversed.

    Features:

    • Internationally Accepted – SimplyCLICK Advantage SBI Card is accepted all over world by more than 24 million merchant outlets.
    • Easy Cash – Use this card to withdraw cash from more than a million Visa/MasterCard ATMs.
    • Add-on Cards – With this card you can avail add-on cards for your immediate family members.
    • Railway Ticket Booking – Use this card to book railway tickets online on the IRCTC website.
    • Utility Bill Payments – This card helps you pay your utility bills online and on time through its Easy Bill Pay Facility.
    • Balance Transfer Facility – This facility allows you to transfer your other banks’ credit cards balance to your SimplyCLICK Advantage SBI card at low interest rates. You can pay back the amount in instalments.
    • 24x7 Customer Service – If you need any help with your SimplyCLICK Advantage SBI Card, you can contact on the 24x7 SBI Card Customer Helpline number.
    • Flexi Pay – You can choose to convert your transactions into monthly instalments. To do so, you have to make purchases worth Rs.2,500 or more using this card and initiate the Flexipay service within 30 days of the transaction.
    • Easy Money – Using this facility, SimplyCLICK Advantage SBI Card holders can get a cheque or draft against their cash limit delivered to their addresses.

    Fees and Charges:

    Type of Fees and Charges Amount
    Annual Fee Rs.499
    Renewal fee Rs.499. It will be reversed if the annual spends is Rs.1 Lakh or more.
    Add-on Card Fee NIL
    Interest free credit period 20 to 50 days
    Finance charge 2.5% every month
    Limit on Cash Advance Up to 80% of the credit limit (Maximum Rs.12,000 each day)
    Minimum amount due 5% of the outstanding balance
    Cash Advance fee SBI ATM or Other ATM – 2.5% of the amount transacted (Minimum - Rs.300) International ATMs – 3% of the amount transacted (Minimum – Rs.300)
    Finance Charge on Cash Advance 2.5% every month
    Cheque pick up fee Rs.90
    Payment Dishonour Fee 2% of the payment amount (Minimum – Rs.350)
    Charge slip retrieval fee Rs.225 for each charge slip
    Statement retrieval fee Rs.100 for each statement (in case the statement is a minimum of 2 months old)
    Overlimit fee 2.5% of the overlimit amount (Minimum – Rs.500)
    Late payment fee If the total amount due ranges from Rs.0 to Rs.200, then no fee is charged
    If the total amount due is more than Rs.200 and up to Rs.500, then Rs.100 is charged
    If the total amount due is more than Rs.500 and up to Rs.1,000, then Rs.400 is charged
    If the total amount due is more than Rs.1,000 and up to Rs.10,000, then Rs.500 is charged
    If the total amount due is more than Rs.10,000, then Rs.750 is charged
    Emergency card replacement fee (when out of India) Actual cost of the card (Minimum $175)
    Card replacement fee Rs.100
    Fee for redemption of rewards Rs.99
    Fee for transaction in foreign currency Conversion mark up - 3.5%
    Surcharge on railway tickets purchased at railway counters Rs.30 plus 2.5% of the amount transacted
    Fee for cash payment Rs.100
    Maximum fuel surcharge waiver Rs.100 per statement cycle for each credit card account
    Surcharge on railway tickets purchased on the website of IRCTC 1.8% of the amount transacted plus service charge

    The rates/fees and charges can be changed at any time at the discretion of the bank.

    FAQs:

    1. How to get more details about SimplyCLICK Advantage SBI Card?

      You can get more details about SimplyCLICK Advantage SBI Card on the website of SBI Card. You can also contact on the 24x7 SBI Card Customer Helpline number to get the required information.

    2. Is it possible to track the application status of my SBI credit card online?

      Yes, it is possible to track the application status of your SBI credit card online. You can do so on the SBI Card website.

    3. How do I locate the nearest SBI Card Drop Box?

      To locate the nearest SBI Card Drop Box, you have to send a simple SMS to the bank. You have to type ‘PIN PIN CODE’.

    4. Is it possible to manage my SimplyCLICK Advantage SBI Card account online?

      Yes, it is possible to manage your SimplyCLICK Advantage SBI Card account online. You can do so by logging in on the SBI Card website using your User ID and Password.

    5. How to pay the credit card bill?

      You can pay the credit card bill online and offline. You can make offline payment in the following ways:

      • Manual Drop Box
      • Over the Counter
      • Electronic Drop Box
      • Cash
      • SBI ATM

      You can make online payment in the following ways:

      • Net Banking
      • SBI Online
      • NEFT Payments
      • SBI Auto Debit
      • SBI Mobile Banking
      • Debit Card
      • Mobile Application
      • Electronic Clearing Services
      • Electronic Bill Payment
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