SimplyCLICK SBI Credit Card: Features & Benefits

State Bank of India (SBI), the leading credit card issuer in India, is offering SimplyCLICK SBI Card. SimplyCLICK SBI Credit Card is specially designed for online shoppers.

SBI promotes SimplyClick SBI Card with the tagline, “For a generation that’s always online”. This post provides detailed information about SBI Simply Click Credit Card review.

SimplyCLICK SBI Credit Card

The SimplyCLICK SBI Credit Card is a must-have card. SBI SimplyCLICK Credit Card comes with many attractive features to ensure the card holders get the best online shopping experience. You can use this card almost everywhere globally.

You can use this card for various purchases and online tickets booking. Simply Click SBI Card offers a plethora of attractive deals on popular online stores such as Amazon, BookMyShow, Cleartrip, OLA, Zoomcar, Foodpanda, Lenskart, and UrbanClap.

Privileges on SimplyCLICK SBI Credit Card

You get unlimited privileges with this card.

1. Welcome Gift

You will get Amazon.in gift card worth Rs.500 on joining. The validity of the Amazon Gift Voucher will be for 12 months from the date of adding the Voucher to Amazon Pay. This voucher cannot be redeemed in parts or redeemed for cash under any circumstances.

2. Annual Fee Reversal

If you spend Rs 1,00,000 or more using your Simply Click SBI Card, then you will get an annual fee of Rs.499 reversed for your Simply Click Visa card in the subsequent year.

3. e-Shopping Rewards

You can earn 10 times reward points on online spends with exclusive partners – Amazon, BookMyShow, Lenskart, Netmeds, Cleartrip, and UrbanClap. You can also earn 5 times rewards points on all other online spends. Earn a minimum of 1 reward point per Rs.100 on all other spends.

4. Milestone Rewards

You can bag e-vouchers worth Rs.2,000 each on annual online spends of Rs.1 lakh and Rs.2 lakhs. You will get vouchers from Cleartrip.

5. Enjoy Complete Fuel Freedom

You receive a 1% fuel surcharge waiver for each fuel transaction between Rs.500 & Rs.3000 done at all petrol pumps in India. This is exclusive of GST and all other charges. Note that the maximum surcharge waiver of Rs.100 per statement cycle, per credit card account.

6. Contactless Technology

With this technology, you need to wave your card at a secured reader and your transaction is done. However, a maximum payment of Rs 2,000 allowed per contactless transaction.

Features of Simply Click SBI Card

Following are the key features of this card

1. Welcome Benefits

You will get a welcome e-gift card worth Rs.500 on joining from Amazon.

2. Worldwide Acceptance

The SimplyCLICK SBI Card is accepted globally. You can use your SimplyCLICK SBI Card to make payments at any outlet that accepts Visa or MasterCard. It can be used in more than 24 million outlets across the globe including over 3 lakh outlets in India.

3. Add-on Cards

With SimplyCLICK SBI Card, you have the option to empower your family with add-on cards for your spouse, parents, siblings, or children above the age of 18 years.

4. Cash on the Go

You have the option to withdraw cash using your Simply Click SBI Card from more than 1 million Visa or MasterCard ATMs across the globe.

5. Utility Bill Payment

You can avail the Easy Bill Pay facility on your SimplyCLICK SBI Card to pay your electricity, telephone, mobile, and other utility bills online and on time.

6. Balance Transfer on EMI

Save money while you pay your credit card dues. You can transfer other bank credit card dues to your SimplyCLICK SBI Card at a lower rate of interest and pay back in EMIs. You need to log in to the website www.sbicard.com to avail this facility. Click here to know more about this.

7. Flexipay

With this facility, you can convert your SBI credit card transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SimplyCLICK SBI Card and convert it into EMIs using Flexipay.

8. Easy Money

You can now get a draft or cheque against your cash limit and get it delivered at your doorstep. Just log in to www.sbicard.com to book Easy Money.

9. SBI Card Online

You can manage your credit card account online by visiting the website www.sbicard.com.

Fees and Charges of SimplyCLICK SBI Credit Card

1. Fees

Annual Fee: Rs. 499 (One time).

Renewal Fee (per annum): Rs. 499 from the second year onwards. The renewal fee reversed if your annual spends for last year is Rs.1,00,000 or more using your SimplyCLICK SBI Credit Card.

Add-on Fee (per annum): Nil

2. Extended Credit

Interest Free Credit Period: 20-50 days. This is applicable only on retail purchases and if previous months’ dues are paid off completely.

Finance Charges: Up to 3.35% per month from the date of the transaction, accounting to 40.2% per annum.

Minimum Amount Due: 5% of total outstanding or a minimum of Rs.200 + all applicable taxes + EMI (if any).

3. Cash Advance

Cash Advance Limit: A maximum of 80% of the credit limit, with a maximum amount of Rs. 12,000 per day

Free Credit Period: Nil

Finance Charges: Up to 3.35% per month from the date of the transaction, accounting to 40.2% per annum.

4. Cash Advance Fee

SBI and other domestic ATMs: 2.5% of the amount withdrawn or Rs.500, whichever is higher, per transaction.

International ATMs: 3% of the amount withdrawn or Rs.500, whichever is higher, per transaction.

5. Other Charges

Cheque Fee: Rs.100 (Payments made via cheque up to Rs.10,000).

Payment Dishonor fee: A minimum of Rs.500 or 2% of the payment amount.

Over Limit: A minimum of Rs.500 or 2.5% of the over-limit amount.

Statement Retrieval: Rs.100 per statement if two or more months old.

Card Replacement: Rs.100

Cash Payment fee: Rs.100

6. Late payment:

• Nil for the total amount due from Rs.0 to Rs.500
• Rs.400 for the total amount due greater than Rs.500 and up to Rs.1000
• Rs.750 for the total amount due greater than Rs.1000 and up to Rs.10,000
• Rs.950 for the total amount due greater than Rs.10,000

Note that all applicable taxes would be charged on all the above fees, interest, and charges.

SBI Card Helpline

You can call the SBI Card helpline for any assistance related to your SBI SimplyCLICK Credit Card at:

Dial 1860 180 1290

OR

Dial 39 02 02 02 (prefix local STD code)

Final Thoughs

As I said above, the SimplyCLICK SBI Credit Card is a must-have card. SimplyCLICK SBI Card offers extra rewards and benefits from popular online stores such as Amazon, BookMyShow, Cleartrip, UrbanClap, and more. This is a good card for those who like to shop online.

Note: This post was originally published on October 29, 2018 and has been completely updated for accuracy and comprehensiveness.

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