Core Rewards :
  • 5% 5 Reward points per Rs. 100 on online transactions
  • 1% 1 Reward point per Rs. 100 on offline transactions
  • Capping: 10,000 Reward Points per calendar month on 10X Reward Points
  • 50% RP 10X rewards on online spends with exclusive partners - Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, Netmeds
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : Spend 1 Lakh & get Rs. 2000 cleartrip voucher, Spend 2 Lakh & get another Rs. 2000 cleartrip voucher
No rewards on spends : Wallet, Fuel, EMI
Rewards Redemption
How to Redeem :
  • Redeem reward points for Gift Voucher
Redemption options : Gift Voucher
Redemption fee : Rs. 99+GST
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : N/A
  • International Lounge : N/A
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : N/A
  • Personal accidental insurance : N/A
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 499
Annual fees : 499
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend 1L in a year
Minimum age : 18
Minimum ITR : 2,50,000
Minimum Salary : 20,000

SBI SimplyClick Credit Card Welcome Benefits:

  • Welcome to the SBI SimplyClick Credit Card family! Pay the annual fee, and you'll receive an Amazon e-voucher worth Rs. 500 as our welcome gift. Start shopping and enjoying exclusive rewards today!
  • Explore premium choices in travel, clothing, footwear, and shopping.
  • Your gateway to luxury and rewards begins with this exclusive welcome offer.

SBI SimplyClick Credit Card Reward Points/Cashback:

Rewarding Your Every Spend with SBI SimplyClick Credit Card

  • Offline Spends: Earn 1 Reward Point for every Rs. 100 spent (0.25% reward rate).
  • Online Partner Merchants: Enjoy 10X Reward Points (2.5% reward rate).
  • Other Online Spends: Get 5X Reward Points (1.25% reward rate).
  • Redeem Points: Use them for gift vouchers or offset your card balance (1 RP = Rs. 0.25).
  • Plus, benefit from zero liability protection and annual Cleartrip vouchers for hitting spending milestones. Your SBI SimplyClick Credit Card turns expenses into rewards!

SBI SimplyClick Credit Card Reward Point Redemption:

You can easily redeem your reward points with the SBI SimplyClick Credit Card:

  • Redemption Options: You can use your reward points for gift vouchers and statement cash.
  • Redemption Fee: There is no fee for redeeming your points.
  • Transfer Partners: The card does not offer any transfer partners.
  • Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

Pros of SBI SimplyClick Credit Card

  • High Reward Rates: Ideal for frequent online shoppers with impressive reward rates.
  • Affordable Annual Fee: A wallet-friendly annual fee of just Rs. 500.
  • Easy Fee Waiver: Annual fee waived on spending Rs. 1 lakh in the previous year.
  • Flexible Reward Redemption: Reward Points can be used to pay off your card's outstanding balance.

Cons of SBI SimplyClick Credit Card

  • No Lounge Access: No complimentary airport lounge access, which may not suit frequent travelers.
  • Limited Reward Redemption Options: Few choices for redeeming rewards.
  • No Statement Credit Option: Cannot use points directly to reduce the card balance.
  • Low Offline Purchase Reward Rate: Offers only 0.25% rewards on offline purchases, limiting its versatility for all spending types.

SBI SimplyClick Credit Card Benefits:

  • Key Benefits of SBI SimplyClick Credit Card:
  • Milestone Rewards: Earn ClearTrip e-vouchers worth Rs. 2,000 for annual spends of Rs. 1 lakh and Rs. 2 lakh.
  • Fuel Savings: Enjoy a 1% fuel surcharge waiver at all fuel stations (transactions between Rs. 500 and Rs. 3,000).
  • Zero Liability Protection: Protects you from unauthorized transactions.
  • Online Shopping Rewards: 10X Reward Points on partner merchant transactions, 5X Points on other online purchases.
  • Annual Fee Waiver: Get the annual fee of Rs. 499 waived on spending Rs. 1 lakh in the previous year.
  • Offline Spending Rewards: Earn 1 Reward Point for every Rs. 100 spent offline (excluding fuel).

SBI SimplyClick Credit Card Charges and Fee:

  • Annual Fee: Joining Fee of Rs. 499 + GST and an Annual Fee of Rs. 499 + GST.
  • Renewal Fee Waiver: Achieve annual spends of Rs. 1 lakh to get the renewal fee waived.
  • Rewards Redemption Fee: Rs. 99 (plus taxes) per redemption request.
  • Foreign Currency Markup: 3.5% of the transaction amount for foreign currency transactions.
  • Interest Rate: 3.5% per month or 42% annualized.
  • Fuel Surcharge: 1% surcharge waived on fuel transactions between Rs. 500 and Rs. 3,000 (max waiver of Rs. 100 per month).
  • Cash Advance Charges: 2.5% of the withdrawal amount or a minimum of Rs. 500.
  • Add-on Card Fee: No additional charge for add-on cards.
  • Late Payment Fees: Varied fees based on the outstanding amount, ranging from Rs. 400 to Rs. 1,300.

Frequently Asked Questions:

  • Q: How can I apply for the SBI SimplyClick Credit Card?
    A: You can apply for the SBI SimplyClick Credit Card online through the SBI Card website or by visiting an SBI branch.
  • Q: What is the eligibility criteria for this card?
    A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with SBI for the specific criteria.
  • Q: Can I get my annual fee waived?
    A: Yes, the annual fee can be waived on annual spends of Rs. 1 lakh or more.
  • Q: How do I redeem reward points?
    A: You can redeem reward points for gift vouchers and statement cash. There is no fee for redeeming your points.