SBI SimplyCLICK Credit Card

SimplyCLICK SBI Credit Card is an entry-level credit card designed for online purchases. Use the SimplyCLICK SBI Card to save money every time you spend. The annual price from the second year onward is also Rs. 499, as is the first-year fee, also known as the joining fee. If you spend at least Rs. 1 lakh a year, there is no annual charge. This card has an interest rate of up to 3.50% per month or 42% annually.

This card is ideal for online shopping because it gives 10x reward points at some of the most well-known websites for travel and shopping, such as Lenskart, Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Yatra. The 10x Rewards list used to include Amazon as well, but it has since been removed, thus the card now only offers 5x Rewards on Amazon. You receive one reward point for every Rs. 100 spent on all offline purchases and five times the rewards for other online and offline expenditures.

Key Highlights of SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card
Best Suited For Beginners | Rewards on Everyday Expenses
Joining Fee Rs. 499
Annual Fee Rs. 499
Welcome Benefit Get gift card worth Rs.500* on payment of Annual Fee of Rs. 499 +taxes.
Reward Benefit

Earn 10X Reward Points on online spends with exclusive partners:

  • Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra
  • Earn 5X Reward Points on all other online spends
Fuel Benefit 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
Best Feature E-Vouchers From Cleartrip / Yatra worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh

*Terms and conditions apply.

Welcome Benefit

  • Receive an Amazon gift voucher worth Rs. 500 when you pay the joining fee.

Rewards Benefits

  • Earn 1 reward point per Rs.100 on all other spends
  • Earn 5X Reward Points on all other online spends
  • Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7/BookMyShow/ Cleartrip / Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra
  • You can exchange the earned rewards for additional Cleartrip or SBI Card partner vouchers.
How to Redeem SBI Reward Points?

If you visit the official SBI Card website, you can use the reward points you've earned on your credit cards online. Visiting the partner merchant store is another way to redeem them. For an alternative method of redeeming your reward points, you can also call the SBI Card helpdesk 39020202 (prefix local STD code). Up until a specified limit, points can be redeemed in multiples of 2000.

Milestone Benefits

  • SBI Simply CLICK Credit Card offers Cleartrip e-vouchers worth Rs. 2,000 each, When yearly spending milestones of Rs. 1 Lakh and Rs. 2 Lakh are met.

Fuel Surcharge Waiver

  • Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000.

Annual Fee Reversal

  • Get your annual fee of Rs. 499 reversed when you reach annual spending of Rs. 1 Lakh.

Worldwide acceptance

  • The SimplyCLICK SBI Card is a global payment method that is accepted at over 24 million locations, including 3.25 lakh locations in India.

Utility Bill Payment

  • You the option to pay your power bill, phone bill, or other utility bills with your SimplyCLICK SBI Card's Easy Bill Pay function.

Easy money facility

  • You can request a bank draft at any moment by contacting the SBI credit card customer service.

Flexipay option

  • With the Flexipay option, any purchase over Rs. 2,500 can be converted into an EMI.

Balance transfer facility

  • The balance transfer facility allows you to transfer outstanding balances from other bank credit cards to the SBI SimplyCLICK Credit Card at a low interest rate.

Free add-on cards

  • Get SBI add-on credit cards for your family members who are older than 18.

Cash facility

  • Offers cash withdrawals of more than Rs. 1 million using Visa or MasterCard worldwide.

Here are the details about the charges for The SBI SimplyCLICK Credit Card:

Type of Fee/ Charge Amount
Annual Fee Rs. 499
Renewal Fee Rs. 499 (Reversed on spending Rs. 1 lakh in a year)
Finance Charges 3.50% p.m. (42% p.a.)
Add-on fee per annum Nil
Late Payment Fee* For Statement Balance
  • Less than Rs. 500: Nil
  • Rs. 500 up to Rs. 1,000: Rs. 400
  • Rs. 1,000 up to Rs. 10,000: Rs. 750
  • Rs. 10,000 up to Rs. 25,000: Rs. 950
  • Rs. 25,000 up to Rs. 50,000: Rs. 1,100
  • Amount over Rs. 50,000: Rs. 1,300
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 + applicable taxes (from 1 September 2021)
Overlimit 2.5% of overlimit amount or Rs.600 (whichever is higher)
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
Rewards redemption fee Rs.99 (only on cash redemption, gifts, and specific vouchers)
Overdue finance charge 3.65% per month (43.8% per annum)
Fee for increasing credit limit Rs.200 per request for increase
Network change fee Rs.200 per request for network upgrade or network downgrade
If you don't pay the Minimum Amount Due (MAD) on time for two consecutive cycles, you'll be charged an extra Rs. 100. This charge will keep applying in each payment cycle until you clear the MAD.

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Eligibility Criteria of SBI Credit Card SimplyCLICK

The requirements to be eligible for a SimplyCLICK SBI Card are as follows:

  • 21 years old is the minimum age requirement and 70 years old is the maximum age limit to apply for this credit card.
  • The applicant should be either salaried or a self employed.

Documents Required to Apply for the SimplyCLICK SBI Card

When submitting an application for a SimplyCLICK SBI Card, the following files must be uploaded or submitted:

Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card.

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document.

Proof of Income

Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

If you're into online shopping, The SBI Simply CLICK Credit Card is a decent choice for a basic card. It offers better perks compared to similar cards in its price range. But if you prefer cashback, there are simpler and more valuable options available with similar fees.

Before, I used this card for most of my expenses because my only other option was the HDFC Moneyback card. But when I got the Flipkart Axis and Amazon ICICI Credit Cards, it became more logical to use them instead. There were two main reasons for this change:

  • Amazon and Flipkart sell everything from electronics to groceries, accessories to books, and more. This gave me more chances to earn cashback, so I began using their co-branded credit cards for those purchases.
  • These cards provide cashback directly, either into my wallet or as a credit on my statement, which makes things super easy and convenient – no need to fuss with redeeming rewards.

The main advantage of The SimplyCLICK SBI Card is its simpler eligibility criteria. It's one of SBI Card's basic cards, so the minimum income requirement is relatively lower. If you're moving up from your first basic card, this could be a good choice.

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Here are some credit cards that provide similar benefits to the SBI Credit Card, listed in the table below:

Credit Card Annual Fee Key Feature
SBI SimplySAVE Credit Card Rs.499 10X reward points on dining, movies, grocery and departmental store spends
HDFC MoneyBack+ Credit Card Rs.500 10X CashPoints on purchases at Amazon, Swiggy, BigBasket, Reliance Smart SuperStore and Flipkart
Standard Chartered Super Value Titanium Credit Card Rs. 750 1 reward point for every Rs. 150 spent
HSBC Smart Value Credit Card Nil 3 reward points per Rs. 100 spent on online, dining and telecom categories

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You have the option to compare and apply for SBI SimplyCLICK Credit Card conveniently online through MybankingTips. Here are the steps to do so:

  • Visit MybankingTips SBI Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

The card issuer has not revealed the minimum or maximum credit card limit associated with the SimplyCLICK SBI Credit Card, as there isn't a set limit. Your credit history and previous payment patterns determine the credit limit that is given to you. Those with excellent credit may receive a greater limit, while those with everyday credit may have a limit that is significantly lower. But, you can ask for a greater limit by contacting customer service or going to the bank if you're not happy with the limit that came with your SimplyCLICK SBI Card. However, before requesting an increase in your credit limit, you should make sure that you use your card responsibly for a while. You have a variety of options when it comes to raising your credit limit.

The various methods listed below can be used to either generate the PIN or activate your Simply Click SBI Card:

  • Through an ATM, you can create or modify your SBI Simply Click Card PIN. Visit the SBI ATM that is closest to you and use the main menu to select the option to create a credit card PIN.
  • You can contact SBI card customer service for assistance if you are unable to generate your credit card PIN.
  • You can use the SBI Card mobile app or your online banking account to activate your card. It's easy to find the option that allows you to create a PIN for your Simply Click Card.

It's simple to register your credit card for online banking by following the procedures listed below:

Step 1: Go to SBI Card's official website. Step 2: Select "New user? Register Now." from the menu. Step 3: Enter the card number, CVV, Dob, and other information associated with your SimplyClick credit card.span> Step 4: You will receive an OTP on the registered mobile number. To finish the verification process, enter that. Step 5: Proceed by entering the password and username. Step 6: After that, your card will be successfully registered for online banking.

Paying credit card bills on time is an important rule that all credit cardholders have to commit to. You should be aware that there are other ways to pay your credit card account, so in case that your first choice isn't working, you can use the second one. The various methods for paying your SBI SimplyClick Credit Card bill are as follows:

  • The YONO SBI app makes it easy for you to pay your credit card bill instantly. Simply Click Credit Card bill payments are simple to make once you log in to the app and attach your credit card.
  • Paying your Simply Click Card bill with NEFT is an option if your current or savings account is not with SBI. All you have to do is pay the bill by entering the IFSC code, your card number, and the account number.
  • Another simple method for paying your credit card bills is using the SBI Billdesk. Once you enter all the necessary information, the payment will be processed quickly.
  • If you would like to pay your credit card bill offline, you can visit your closest beach and pay with cash or a check, or you can drop off a check at your closest ATM Dropbox.

  • To report a fraudulent transaction on your credit card or for assistance with any other credit card-related matters, get in touch with SBI SimplyClick Cadd customer service using the information below:
  • You can email with any questions or grievances you may have about your credit card.
  • You can phone any of the following hotline lines to get in touch with the customer: 1800 180 1290 (toll-free), 1860 500 1290, 1860 180 1290, or 39 02 02 02.

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You can get assistance with the redemption process by calling the bank's customer service number. In addition, you can use a mobile app or online banking to redeem your accrued reward points. To redeem your reward points, all you have to do is enter your login credentials and access the portal or app.

SBI Card will keep you updated on the status of your credit card application on a regular basis. Your application progress will be updated via a text message sent to the registered mobile number you provided. But, if you'd like, you may check the status of your application by visiting the bank's official website or giving the SBI Credit Card customer service number a call.

You have the option of paying your credit card bill offline or online. NEFT, electronic bill payment, Visa credit card pay, debit card, National Automated Clearing House (NACH), and so on are among the online payment options. The credit card bill can be paid offline with cash, cheque,, demand draft, or SBI ATM.

A foreign exchange transaction fee charged by SBI Simply CLICK Credit Card represents 3.50% of the total amount transacted. Because of this, it is not the best credit card for using when transacting in foreign currencies. If you would like to take advantage of these benefits, search for the best credit cards for use abroad.

You can apply for the SBI Simply CLICK Credit Card by the closest SBI branch or the official SBI Card website. All you have to do is complete an application and send it in with the necessary paperwork.

Your income, credit score, the maximum limit on your current credit card, and lots of other internal factors determine your SBI SimplyCLICK Credit Card limit. For this reason, the upper limit differs for every application. Your credit limit will only be disclosed to you upon receiving your new SimplyCLICK SBI Card; it is not disclosed during the application process for an SBI Card.

The characteristics and advantages of the SBI SimplySAVE and SimplyCLICK credit cards are unique. While the SimplySAVE credit card offers benefits on common in-store expenses like groceries, dining, movies, etc., the SimplyCLICK credit card offers rewards on online purchases, particularly at partner stores like Netmeds, BookMyShow, Cleartrip, etc.

The SBI SimplyCLICK credit card offers extra benefits to those who shop online frequently. If you often make use of affiliated businesses such as UrbanClap, FoodPanda, BookMyShow, and Cleartrip. In addition, you will receive ten times more reward points for spending money on partner e-commerce sites, which you can then convert into gift cards. In addition, cardholders who spend more than Rs. 1 lakh would not be charged a yearly fee.

Yes, you will be required to pay a processing charge equal to 2.5% of the total amount converted to Flexipay, with a minimum of Rs. 249 and a maximum of Rs. 1,500, in addition to any applicable taxes.

The Flexipay service allows you to select between a repayment period of six, nine, twelve, or twenty-four months, depending on your convenience.

If you are a client of BSNL or MTNL, you can use the Flexipay option by phoning 39 02 02 02 or 1860 180 1290, or by logging into your SBI Card online account. You can also send an SMS with the code FP to 56767.

Do not use your lost credit card if you recover it after it has been blocked. Make sure you cut the card through the magnetic strip in order to destroy it.

If you misplace your SBI SimplyClick credit card, call the bank's customer service number to speak with a customer service representative as soon as possible. Ask to have your SBI credit card disabled. You can also ask to have your card disabled by going to the SBI branch that is closest to you. Following that, you can ask the bank to give you a second card.

The SBI SimplyCLICK Credit Card has an annual membership cost of Rs. 499 (plus relevant taxes).

When you make purchases online at BookMyShow, Cleartrip, Lenskart, Netmeds, Yatra, and Dominos, you receive 10x Reward Points (1 per Rs. 100), 5x Reward Points (5 per Rs. 100), and 1 Reward Point per Rs. 100 when you make purchases offline using the card.

The Reward Points that can be accumulated on the SBI SimplyCLICK Credit Card, or any other SBI Card credit card, are valid for two years, or 24 months.

No, there is no free airport lounge access offered with the SBI Simply Click Card.

Interest rate charged on SBI SimplyCLICK credit card is 3.50% p.m. (42% per annum)

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Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card: