SBI Simply Click Credit Card Review

If you are a shopaholic and are looking for a shopping credit card that can earn you some handsome savings out of your excessive shopping expenses, then the sbi simply click card would be the best credit card for you. Targeting the Indian millennials this card offers powerful sbi card reward points on every transaction, exclusive waiver on fuel surcharges, attractive milestone rewards, and lots more. More about the benefits of sbi simply click credit card are discussed below.

How does the sbi simply click credit card eligibility criteria work?

• Resident Type: Indian. 
• What is simply click sbi card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Rs. 30,000 monthly. 
• Simply click sbi card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Rs. 40,000 monthly. 
• A good CIBIL Score (690 or more) is mandatory to apply for this sbi shopping credit card.

What documents are required to apply for the sbi simply click credit card?

• 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: Since it is not a secured credit card, you can’t get this sbi credit card without income proof. 
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recently audited financial report.

As per the new rules, all new simply click sbi credit cards are delivered in an inactive state, and to start using them you need to activate them by generating a new sbi credit card pin. So, if you want to know how to set pin for sbi credit card for the first time, then make sure to take a look at our faq page. 

What are the sbi simply click credit card fees?

• SBI simply click credit card joining fee: Rs. 499 + GST
• SBI simplyclick credit card annual fee: Rs. 499 + GST

What are the sbi simply click credit card benefits?

• A huge joining bonus to welcome you:

As you activate your sbi simplyclick credit card for the first time, you will receive an Amazon voucher worth Rs. 500 as a joining bonus.

Every sbi credit card comes with its unique, pre-set credit limit. So, if you want to know, ‘what is the credit limit of sbi simply click card?’ then log in to your sbi credit card online banking account, you will find all the information there.

• Make transactions rewarding:

Your sbi simply click credit card offers exclusive reward points on your expenses. 

Category of transaction	Rate of earning sbi credit reward points
Every Rs.100 spent on online transactions at Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, etc.	10X sbi credit card rewards / Rs.100 spent
All other online transactions	5X sbi card rewards / Rs.100 spent
All other transactions	1 sbi reward point / Rs.100 spent

• Get freedom from fuel surcharges:

This sbi simply click credit card features a 1% waiver on fuel surcharges at most of the fuel stations in India. The transaction must be between Rs.500 to Rs.3000. You can save a maximum of Rs.100 in a sbi simply click credit card billing cycle.  

• Opportunity to earn something more:

The sbi simply click credit card milestone rewards are offered like this.

Credit card usage	Total benefit
Rs.1 lakh online spend within a year	Rs.2,000 gift voucher
Rs.1 lakh online spend within a year	another Rs.2,000 gift voucher

You can keep track of your sbi simply click credit card status from your sbi credit card netbanking account.  

• Make your card lifetime free:

On spending Rs.1 lakh or more with your sbi click credit card within a year, you can get a complete waiver on your next year’s sbi credit card yearly charges. So, if you want to make your sbi credit card free for a lifetime, then you just have to keep spending Rs.1 lakh per year. 

• Enjoy easy bill splitting:

This sbi credit card facility allows you to split your high-value transactions into small monthly installments. You can transform a purchase into EMI within 10 days of making the purchase. If you want to know how to use sbi simply click credit card for EMI? then make sure to take a look at our faq page.

• The best travel companion for you:

Your SBI simply click card is accepted by over 2 million visa outlets in the world. That means you can use this simplyclick sbi card almost anywhere you go.

• Convenience of contactless payments:

This simply click sbi card comes with a contactless payment facility. This feature allows you to make payments just by placing your contactless simplyclick visa card over any contactless-enabled POS machine.  

What are the sbi simply click credit card charges?

Particulars	Payable Amount
SBI simply click card cash withdrawal charges	2.5% against the amount, min Rs. 500. Make sure to check your sbi simply click credit card credit limit
Finance charges in sbi credit card	The sbi card interest rate can go up to 3.50% per month
SBI simply click credit card international transaction charge	3.5% against the transaction amount
SBI simply click card add-on card fee	None

How to contact the sbi simply click credit card customer care department?

• Call the sbi credit card customer care toll-free number: 1860-180-1290 or 022-3902-0202 or 1860-180-7777
• Write to the sbi credit card customer email id: customercare@sbicard.com   

100xGain Ratings:

7.5/10

Pros and cons of the simply click sbi card:

Pros	Cons
The rate of earning sbi credit card reward points is quite impressive. You can make some good savings on fuel surcharges. There is also an annual fee waiver option available.	There are no dining benefits on this sbi simply click card. You will get any lounge access or other travel benefits from this simplyclick sbi credit card.

Final Opinion:

For those who like to earn reward points from their shopping, this card can be a very good option for you. It offers 10X sbi simply click credit card reward points on online spending, an attractive waiver on fuel surcharges, and a load of useful features like; Flexipay and balance transfer facility which makes this one of the best sbi credit card for online shopping. 

But if you think that the benefits offered by this sbi credit simply click variant are not enough for you, then feel free to take a look at our top credit cards page. You can also compare the alternative card options given below.

Alternative cards of the SBI simply click credit card: 

1. ICICI Bank Platinum Identity Credit Card (Best for earning reward points)
2. Kotak Mahindra Essentia Platinum Credit Card (Best for earning reward points) 
3. RBL Platinum Delight Credit card (Best for reward points and fuel surcharge waiver) 
4. FBB sbi credit card (Best for discount and reward points)