SBI Simply Click Credit Card Review

SBI offers various types of credit cards to its customers, and Simply Click SBI Card is one of them, this card is specially designed for frequent shoppers. It offers some exclusive benefits on online shopping. The benefits of this card include – reward points on online shopping, fuel surcharge waiver, opportunity to earn some bonus rewards, opportunity to get a waiver on the annual fee, etc. This card also offers some attractive features like balance transfer, Flexipay, Autopay, etc. Now let’s discuss the card in detail  

SBI Simply Click Credit Card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹20,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹30,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST

Benefits:

  • Welcome benefit:

With the issuance of the card, you will get a welcome gift voucher from amazon worth ₹500. The validity of the gift voucher will be 12 months.

  • Reward benefit:

If you spend on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, etc. you will get 10X reward points.

You will get 5X reward points if you spend for all other purposes online.

If you spend Rs.100 for all other purchases you will get 1 reward point.

If you spend Rs.100 for all other purchases you will get 1 reward point.

  • Fuel surcharge waiver:

You will be able to get a discount of 1% fuel surcharge, applicable at any fuel stations in India. The transaction must be between ₹500 to ₹3000. You can save a maximum of ₹100 in a month. 

  • Milestone benefit:

If you spend Rs.1 lakh within 1 year of receiving the card you will get an e-voucher worth ₹2000. And if you spend ₹2lakh in a year you will also get one more e-voucher worth ₹2000.

  • Annual fee waiver:

If you can spend ₹1 lakh or more with your card within a year, then the annual fee for the next year will be waived off. 

  • Balance Transfer:

You can transfer the outstanding balances from your other credit card to your ‘Simply Click SBI Card’ to get a lower interest rate.

  • Autopay:

With the auto-pay feature, your bills will be paid automatically within due dates. You can also set the maximum amount you want to pay.

  • Flexipay:

With this feature, you can now buy products of your choice and you can pay the bills in easy monthly EMIs at a very low-interest rate. You can transform your bills into EMIs within 10 days of purchase.

  • Add on the facility:

You can add your loved ones with your card as add-on members and they can also enjoy the benefits of having a credit card. The Age of the add-on members should be at least 18 yrs. 

  • Ticket Booking:

With this card you can now book your Railway tickets online and also you can order them at your doorstep with a few simple steps.  

  • Alert facility: 

With this feature, you will feel more secure regarding your account. You will get SMS & E-Mail Alerts on cash transactions, reaching credit limits, Mini statements generation, and lots more.

  • Worldwide Acceptance:

Your ‘SBI Dena Secured Credit Card’ is accepted by over 2 million visa outlets in the world. That means you can use this card almost any-where.

  • Contactless facility:

This card comes with a contactless payment facility, it makes your everyday card payment much easier also protects your card from skimming. 

Charges:

  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500
  • Finance Charge: 3.50% per month. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings: 6.5/10

Final Opinion:

For those who like to earn reward points from their shopping, this card can be a very good option. It offers 10X reward points on online spending on shopping entertainment and medicine, Fuel surcharge waiver, some bonus reward points on achieving the milestone, also this card offers some useful features like Flexipay or balance transfer facility that can make your life much easier. 

But this card does not feature benefits on dining or lodging, and you cannot earn Cash-Back from this card, so if you want to earn Cash-Back, you can go for Flipkart Axis Bank Credit Card, if you want benefits on dining you can go for Axis Bank Neo Credit Card, and if you want premium benefits like lounge access, then you can go for IDFC Bank Wealth Credit Card.

Categories SBI

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