A Simple Introduction: What Is an SBI Simply Click Credit Card?
The SBI Simply Click Credit Card
The SBI Simply Click Credit Card is considered to be a basic reward credit card provided by SBI Card, which is a subsidiary of State Bank of India. The naming of this credit card clearly indicates that this card has been designed for online transactions.
Contrary to more exclusive or co-branded credit cards, which are targeted at niche markets or focus more on luxury, SBI Simply Click Credit Card believes in a very straightforward reward system: Shop online, earn reward points, and redeem them. The credit card is targeted at fresh credit cardholders, young professionals, and individuals seeking a hassle-free reward credit card with no costs.
This is an ideal visa for you if most of your expenses are related to online shopping, subscriptions, food delivery, and digital payments. The reasons for this assertion will be stated later in this passage.
How the SBI Simply Click Credit Card Functions
It functions like an ordinary credit card, but with additional points when used for online purchases. Each time you use the card, you earn:
- Earn points for your eligible spend.
- Online spends generate higher reward points compared to offline spends.
- Points will be accrued in your SBI Card rewards account.
- Points earned can be used to purchase vouchers and lifestyle rewards.
Right from billing to payment to redeeming reward points, everything can be done online via SBI Card’s mobile application or website.
Rewards & Benefits: What You Can Earn
- Partner brands: 10X Reward Points = 2.5% back (Rs 2.50/Rs 100) at Amazon, BookMyShow, Cleartrip, Apollo24x7, Yatra, Netmeds, EazyDiner, Swiggy.
- Other online spends: 5X RP = 1.25% back
- Offline spends: 1 RP/Rs 100 = 0.25% back
- Welcome Benefit: Rs 500 Amazon voucher on payment of joining fee.
- Milestone rewards: Rs 2,000 Cleartrip/Yatra voucher on annual online spend of Rs 1L + another Rs 2,000 voucher at Rs 2L – Rs 4,000 total per year.
- Fuel waiver: 1% surcharge refund on Rs 500-Rs 3,000 transactions; capped at Rs 100/month.
Welcome Benefits That Add Immediate Value
The new member can earn reward points once they have finalized the membership fee payment and made a short spend within the first few months. The points can be redeemed at a later date, hence offsetting the membership fee.
It is therefore attractive to first-time users who would like to experience the benefits of the card immediately after receiving the card.
Increase Reward Rate for E-Spends
The major advantage of the SBI Simply Click Credit Card is that it offers increased reward points for online transactions. In cases where you pay for online transactions on popular e-commerce portals, online food delivery applications, or mobile payments, you earn additional reward points compared to offline transactions.
This makes the card particularly suited to:
- Shopping online
- App-based services
- Digital Subscriptions
- Common online-shopping activities
Assuming an individual spends most of his or her income online, then the reward points are accrued steadily.
Simple & Transparent Rewarding Systems
One of the factors making this a beginners’ credit card includes an easy-to-understand reward system. There are no categories, levels, or terms associated with this particular credit card.
In Short Way:
- Online Spends = Higher reward points
- Other Spends = Base Reward Points
It is because of this clarity that users are better able to reap maximum benefits without having to monitor offers
Convenient Reward Redemption Options
The reward points obtained with the SBI Simply Click Credit Card can be redeemed.
SBI Card Reward Website:
- Gift Vouchers
- Brand Gift Cards
- Lifestyle Rewards
Even if the benefits are in the form of rewards rather than straight cashback, these rewards are flexible enough that you can easily use them in your everyday transactions, particularly if you are one who frequents online shopping or online services.
Reasonable Fees with Fee Waiver Facility
The SBI Simply Click Credit Card has an attractive joining cost and annual charge in comparison to other reward credit cards. The annual charge in most reward credit cards can be waived if the annual spending requirement is met.
This makes it a cost-effective card for customers looking to accumulate rewards without incurring high renewal fees.
Security, Acceptance, and Digital Control
As it is issued by SBI Card, it gets accepted widely in India as well as on online sites. It also contains all necessary security and convenience functionalities such as:
- Contactless Transactions (tap-to-pay).
- Real-time transaction alerts.
- Anti-fraud services & Dispute resolution.
- Full control using SBI Card Mobile App.
You can verify statements, earn rewards, as well as make payments using the app.
Ideal for First-Time Credit Card Users
The SBI Simply Click Credit Card is ideal for:
- First-time credit card applicants.
- Students or young professionals also qualify for eligibility.
- Customers moving from Debit cards to Credit Cards.
It has a minimal fee requirement, simple points to redeem, and a reputable issuer that makes it a safe card to begin with to develop good credit habits.
Assists in Building Credit Score When Used Properly
The card needs to be used on a regular basis and the bills must be repaid on time. This will help enhance the credit score. The repayment amounts required aren’t high; hence the beginners will be able to handle the card.
Fees & List of Charges –
- Joining Fee: Rs 499 + GST, Rs 500 Amazon voucher as welcome benefit covers this cost.
- Annual Fee: Rs499 + GST, from second year onwards.
- The annual fee is waived if you spend Rs 1,00,000 or more in the previous year.
Eligibility & Required Documents
Eligibility Criteria:-
- Age: 21 to 65 years.
- Employment: Both salaried and self-employed individuals.
- Minimum Income: Rs 25,000.
- Self Employed: ITR > Rs 4,80,000/annum.
- Credit Score: 720+ with no delayed payments in the past 12 months.
- New-to-Credit: Allowed only for salaried applicants.
Documents Needed:-
- ID Proof: PAN Card/Form 60.
- Address Proof: Aadhaar, Passport, or utility bills.
- Income Proof: Bank statements or salary slips.
- Photograph: Recent passport-sized photo.
Limitations You Must Know
Even if it is a credit card that provides great value for money, It also may have number of drawbacks:
- There is no Airport Lounge Access.
- Rewards are not converted to cash rewards.
- Travel benefits or rewards may be limited or a lifestyle reward may be limited.
- Best value only if you spend through online.
If your looking for upscale benefits or travel rewards, a premium Credit Card will work out better for you.
Final Verdict: Is SBI Simply Click Credit Card the Card for You?
The SBI Simply Click Credit Card is a convenient, beginner-friendly rewards credit card designed for online users. This is a rewards card that has a simple rewards program, is budget-friendly, and is offered by a reputable lender.
If it is simplicity, affordability, and online rewards that you are most concerned with, then this credit card is a great option, particularly if it’s your inaugural experience with credit cards.
How to Apply for the SBI Simply Click Credit Card ?
Applying for the SBI Simply Click Credit Card is quick and completely digital.
Follow these simple steps:
- Enter your basic personal and financial details.
- Complete the online KYC verification as instructed.
- Submit your application and get instant confirmation.
For more credit card offers visit our website
Frequently Asked Questions (FAQs)
Will the SBI Simply Click Credit Card be suitable for online purchasing?
Yes, it provides greater reward points for online transactions than offline transactions.
Are first-time credit card borrowers eligible for this credit card?
Yes, it is quite a beginner-supporting card with simple rewards and easy qualification criteria.
Does the SBI Simply Click Credit Card provide a cashback facility?
Rewards are actually points that can be exchanged to get vouchers or gift cards.
Is the annual fee exempt for the SBI Simply Click Credit Card?
Yes, the annual fee is waived for spending ₹1,00,000 or more in a calendar year.
