SBI SimplyCLICK Credit Card: Rewards, Milestone Benefits and Fees

Are you someone who loves seamless online shopping and effortless rewards? The SimplyCLICK SBI Credit Card is designed just for you. Built for the digital shopper, it lets you earn accelerated rewards on top e-commerce partners while enjoying smooth, contactless transactions across 24 million global outlets. 

With its affordable fees, generous reward structure, and everyday convenience, this card transforms your routine spending into smart savings. If you are looking for a rewarding, hassle-free way to boost your purchasing power, the SimplyCLICK SBI card is your perfect match.

Exclusive Rewards of the SBI SimplyCLICK Credit Card

The SimplyCLICK card stands out for its reward tailored to online transactions. You can earn 10X reward points on every digital transaction with partnered merchants, including Apollo 24x7, BookMyShow, Domino's, Myntra, etc.

And, that’s not all! Cardholders can also earn: 

• 5X rewards on each virtual spend of ₹100 or more.
• Amazon voucher of ₹500 on payment of the first annual fee within 30 days of joining. 

Note: 5X rewards are capped at 10,000 per calendar month. After that, every ₹100 digital expense will earn 1 reward point. 

Milestone Benefits of the SBI SimplyCLICK Credit Card

In addition to basic rewards, the card offers milestone benefits if you hit certain annual spend thresholds. For example: 

• Spending ₹100,000 online annually can win either a ClearTrip or a Yatra e-voucher worth ₹2,000. 
• You can also earn a ₹2,000 voucher from ClearTrip or Yatra if you spend ₹200,000 in a calendar year. 

Note: These vouchers can be redeemed within 4 months of the issuance date for domestic and international hotel and flight bookings via the website or mobile app of the respective travel agency. 

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Additional SBI SimplyCLICK Credit Card Benefits

• Global Acceptance: The card is accepted globally via Visa or MasterCard networks at millions of outlets, including 325,000 Indian outlets. 
• Add-on Benefit: Add-on cards for family members require zero add-on annual fee, meaning you can extend benefits to your spouse or other adult members without spending extra.
• Fuel Surcharge Waiver: A 1% waiver, max. of ₹100 per statement cycle, on fuel surcharge for transactions between ₹500 and ₹3,000 at fuel stations. 
• Flexipay: Cardholders can transform transactions of ₹2500 and more into easy monthly instalments within 30 days of purchase. 
• Balance Transfer: You can transfer the outstanding balance from other credit cards of at least ₹5,000 and a maximum of up to 75% of your available credit limit on the SimplyCLICK SBI card in 2 to 3 working days. 
• Easy Bill Payment: With the SBI SimplyCLICK Credit Card, pay your bills anywhere, anytime.

💡Use the Pice App to manage all your credit card payments seamlessly.

SBI SimplyCLICK Credit Card Charges and Fees

• Joining Fee: ₹499 + GST.
• Annual Fee / Renewal Fee: ₹499 + GST. However, the yearly fee will be reversed if you spend ₹100,000 or more in the preceding year. 
• Cash Advance Fee: 2.5% of the amount or ₹500 (whichever is higher) for domestic/international ATM withdrawals. 
• Cash Payment Fee: ₹250 + GST. However, no fee applies to cash payments made at Karur Vysya Bank (KVB) branches. 
• Finance Charges: Up to 3.75% per month (45% yearly) on all transactions if the cardholder fails to pay the entire balance.
• Over-limit Fee: 2.5% of the over-limit amount or ₹600, whichever is higher.
• Rewards Redemption Fee: ₹99 on physical products only.
• Foreign Currency Mark-up: 3.5% of all overseas spending. 
• Utility Payment Fee: 1% of accumulated utility payments, if the total bill exceeds ₹50,000 in a billing cycle. 
• Late Payment Fee: A late payment fee is charged if one fails to pay the minimum amount due within the due date. The charge varies as per the outstanding amount. Take a look: 

Also, kindly note that the interest-free credit period lasts between 20 and 50 days. However, if you have any unpaid charges from the previous month, the interest-free credit period will be suspended. For cash advances, interest starts accumulating from the transaction date until you make the payment. 

Who Can Apply for the SBI SimplyCLICK Credit Card?

The SBI SimplyCLICK credit card eligibility is available to all Indian residents, whether salaried or self-employed. However, they:

• Must be between 21 and 70 years old.
• Have a monthly income. The amount depends on the bank's assessment.
• Must have a good credit score of 750 or more.
• Have all the required documents, including PAN card, Aadhaar card, salary slips, or IT returns for income proof.

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Tips to Get the Maximum from Your SBI SimplyCLICK Credit Card

1. Concentrate your online spending (especially at partner merchants) through the card to maximise 10X points.
2. Aim to spend at least ₹100,000 annually to secure the annual fee waiver and milestone e-voucher rewards.
3. Redeem your reward points on time by choosing your favourite product on the SBI Reward Catalogue. Avoid letting them expire or go unused.
4. Aim to clear full payment each month to avoid interest charges (45% per annum).
5. Use add-on cards for family members for free to accelerate spending under the same account. 
6. Review the partner merchant list regularly and monitor any changes to the reward structure to stay informed.

Get an SBI SimplyCLICK Credit Card If You:

• Shop online mostly.
• Have an annual spend of ₹100,000 or more.
• Prefer a reward-rich card with a low joining/renewal fee.

Conclusion

The SimplyCLICK SBI Credit Card is an excellent choice due to its convenience and reward systems. The credit card's reward system allows you to redeem your points with top brands, thereby reducing spending. It has a low joining fee and an annual fee viewer, which adds on to the benefits, which also include fuel surcharge relief, Flexipay, and add-on cards.

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