SimplyCLICK SBI Credit Card Review: Your Ultimate Guide to Benefits, Features, and Application
Are you looking for a credit card that offers great rewards and benefits while keeping fees low? The SimplyCLICK SBI Credit Card could be the perfect choice for you. In this detailed review, we will cover everything you need to know about the SimplyCLICK SBI Credit Card. We’ll discuss its benefits, features, fees, and how to apply. By the end of this guide, you’ll have a clear understanding of whether this card fits your needs.
What is the SimplyCLICK SBI Credit Card?
The SimplyCLICK SBI Credit Card is issued by SBI Cards and Payment Services, part of the State Bank of India. It is designed to cater to online shoppers and frequent spenders. This credit card offers a host of benefits, including a strong rewards program, minimal annual fees, and various conveniences that make managing your finances easier.
Key Features
- Annual Fee: ₹499 + Taxes
- Renewal Fee: ₹499 + Taxes
- Reward Points: Earn up to 10X points on online purchases
- Fuel Surcharge Waiver: 1% waiver on transactions
- Contactless Payments: Fast and secure
Benefits of the SimplyCLICK SBI Credit Card
1. Reward Points System
One of the main attractions of the SimplyCLICK SBI Credit Card is its reward points system. This program allows you to earn points for every purchase you make. Here’s how it works:
- 10X Reward Points: Earn these points on online purchases made with select partners, including:
- Apollo 24×7
- BookMyShow
- Cleartrip
- Dominos
- Myntra
- Netmeds
- Swiggy
- Yatra
- 5X Reward Points: Available for all other online spends.
- 1 Reward Point: For every ₹100 spent on offline transactions.
These points can be redeemed for various rewards, making your spending more rewarding.
2. Annual Fee Reversal
The annual fee of ₹499 can be waived if you meet a spending requirement. Here’s the deal:
- Spend ₹1,00,000 or More: If you spend ₹1,00,000 or more in a year, the annual fee is reversed for the next year.
This is a significant benefit if you regularly use your credit card.
3. Milestone Benefits
The SimplyCLICK SBI Credit Card offers milestone benefits based on your annual spending:
- e-Vouchers: Receive e-vouchers worth ₹2,000 when you reach annual spends of ₹1,00,000 and ₹2,00,000. The vouchers can be redeemed at Cleartrip or Yatra.
These benefits add extra value to your spending.
4. Fuel Surcharge Waiver
If you use your SimplyCLICK SBI Credit Card for fuel purchases, you can enjoy a:
- 1% Fuel Surcharge Waiver: On transactions ranging between ₹500 and ₹3,000.
This helps you save on fuel costs, which is a practical benefit for frequent drivers.
5. Contactless Payments
The SimplyCLICK SBI Credit Card features contactless payment technology, which offers:
- Speed: Transactions are completed faster than traditional card swipes.
- Security: The card remains in your hand, reducing the risk of fraud.
- Convenience: Ideal for small purchases where cash or entering a PIN might be inconvenient.
6. Worldwide Acceptance
The SimplyCLICK SBI Credit Card is accepted at over 24 million outlets globally, including:
- 3,25,000 Outlets in India
This makes it a versatile option for both domestic and international transactions.
7. Add-on Cards
You can also get add-on cards for family members. This feature allows you to:
- Share Benefits: Add-on cards are available for your spouse, parents, children (18 years and above), and siblings (18 years and above).
8. Utility Bill Payment
Use your SimplyCLICK SBI Credit Card to pay utility bills, including:
- Electricity
- Telephone
- Mobile
- Other Utility Bills
This feature simplifies managing your monthly expenses.
9. Balance Transfer on EMI
If you have outstanding balances on other credit cards, you can transfer them to your SimplyCLICK SBI Credit Card and pay in easy EMIs. This option can help you:
- Save on Interest Charges
- Manage Debt Effectively
10. Flexipay Option
With Flexipay, you can convert your transactions into monthly installments. Make a purchase of ₹2,500 or more and:
- Log in to Your SBI Card Account: Within 30 days to convert the purchase into Flexipay.
Fees and Charges
Understanding the fees associated with the SimplyCLICK SBI Credit Card is crucial. Here’s a detailed breakdown:
| Fee Type | Amount |
|---|---|
| Annual Fee | ₹499 + Taxes |
| Renewal Fee | ₹499 + Taxes (per annum) |
| Add-on Card Fee | Nil |
| Fuel Surcharge Waiver | 1% on transactions between ₹500 and ₹3,000 |
| Maximum Surcharge Waiver | ₹100 per statement cycle |
How to Apply for SimplyCLICK SBI Credit Card
Applying for the SimplyCLICK SBI Credit Card is easy. Here’s a step-by-step guide:
Online Application
- Visit the SBI Card Official Website: Go to SBI Card website.
- Fill Out the Application Form: Provide personal details, income information, and contact details.
- Submit Required Documents: Upload or send the necessary documents for verification.
In-Branch Application
- Visit Your Nearest SBI Branch: Find the closest branch.
- Request the Application Form: Ask the bank representative for the credit card application form.
- Complete and Submit the Form: Fill it out and submit it along with the required documents.
Contactless Technology
The SimplyCLICK SBI Credit Card’s contactless technology is a major convenience. Here’s why:
- Speed: Transactions are quicker compared to traditional methods.
- Security: Reduces the risk of card skimming and fraud.
- Ease of Use: Ideal for quick, small transactions without handling cash.
Worldwide Acceptance
With the SimplyCLICK SBI Credit Card, you can make purchases at over 24 million outlets worldwide. In India alone, you have access to:
- 3,25,000 Outlets
This extensive acceptance makes it a reliable card for travel and daily expenses.
Add-on Cards
The SimplyCLICK SBI Credit Card allows you to get add-on cards for your family members. This feature provides:
- Additional Benefits: Your spouse, parents, children (18 years and older), and siblings (18 years and older) can all enjoy the benefits of the credit card.
Utility Bill Payment
Managing utility bills is easier with the SimplyCLICK SBI Credit Card. You can pay for:
- Electricity
- Telephone
- Mobile
- Other Utility Bills
This feature helps streamline your bill payments and keep everything organized.
Balance Transfer on EMI
If you have balances on other credit cards, you can transfer them to your SimplyCLICK SBI Credit Card and:
- Save on Interest: Benefit from lower interest rates.
- Pay in EMIs: Manage your debt with easier monthly payments.
Flexipay Option
The Flexipay option allows you to convert transactions into easy EMIs. Here’s how it works:
- Make a Purchase: Spend ₹2,500 or more.
- Convert to Flexipay: Log in to your SBI Card account within 30 days to convert the transaction.
Frequently Asked Questions (FAQ)
1. What is the annual fee for the SimplyCLICK SBI Credit Card?The annual fee is ₹499 + Taxes. It can be waived if you spend ₹1,00,000 or more in a year.
2. How can I earn reward points with the SimplyCLICK SBI Credit Card?You earn 10X reward points on online purchases with select partners, 5X points on all other online spends, and 1 point per ₹100 spent offline.
3. What are the benefits of contactless payments?Contactless payments are quick, secure, and convenient. They reduce the risk of fraud as the card stays in your hand during transactions.
4. Can I use the SimplyCLICK SBI Credit Card internationally?Yes, it is accepted at over 24 million outlets worldwide, making it suitable for both domestic and international use.
5. How do I apply for a SimplyCLICK SBI Credit Card?You can apply online through the SBI Card website or visit a local SBI branch to complete the application process.
Conclusion
The SimplyCLICK SBI Credit Card is a versatile and rewarding option for those who frequently shop online and seek a reliable credit card for everyday expenses. With its attractive rewards program, minimal fees, and convenient features, it offers excellent value. If you’re interested in applying, visit the SBI Card website or your nearest SBI branch to get started.
Key Takeaways:
- The SimplyCLICK SBI Credit Card offers a strong rewards program.
- It provides various benefits including fee waivers and contactless payments.
- It’s accepted worldwide and offers added features like utility bill payments and balance transfers.
Explore the SimplyCLICK SBI Credit Card today and take advantage of its unique benefits and features to enhance your financial management.
