SBI simply click credit card-welcome benefits,charges & rewards In Detailed

 Do you like to shop online and find yourself always searching for the credit card best suited to your lifestyle? Your search is likely to be over with the SBI SimplyCLICK Credit Card. As such, this card is specifically designed to deliver more than enough rewards in return on online shopping transactions especially at selected partner brands. Let's get to understand how well this card meets a customer's preferences.

Features of SBI SimplyCLICK Credit Card

Welcome Benefits

The new cardholder gets an Amazon gift voucher, totally free, for ₹500. It's one very cool offer that sets the ball rolling on the great deals the card has to give.

Reward Points System

Get 10X reward points on online buys from partner brands such as Amazon, BookMyShow, and Cleartrip, among others.

Other online spends earn 5x reward points.

Regular offline transactions earn 1 reward point for every ₹100 spent.

Annual Fee with Waiver

The card comes with an affordable annual fee of ₹499, which is waived off when your yearly spending exceeds ₹1,00,000.

Benefits of SBI SimplyCLICK Credit Card 

Online Shopping Benefits

This card will intensify your savings if you shop online often. Reward yourself with great benefits when shopping on e-commerce giants like Amazon, Flipkart, and Myntra.

Fuel Surcharge Waiver

Save on fuel transactions with a 1% fuel surcharge waiver on spends between ₹500 and ₹3,000.

 

Contactless Payments

Enjoy fast, seamless and secure payments with the contactless feature. Just tap the card on a POS terminal to pay.

Security Features

This card comes with enhanced fraud protection and zero liability for lost cards, so all your transactions are secure.

Eligibility and Application Process

Eligible Applicants

Individuals having an age between 21–70 years

Incomes are required to be stable

Documents Required for SBI Card Application:

Identity Proof: Aadhaar number, PAN card, etc 

Document for Residence: Utility bill/rental agreement etc,

Income Proof: Salary Slip

How to apply?

click here on apply now button on this page

Fill-up your personal and financial data and submit it.

Upload mandatory documents

Wait for further approval and get your credit card delivered.

Fees and Charges 

Joining and Renewal Fees

 Joining fee: ₹499 

Renewal fee: ₹499 (waived on annual spends of ₹1,00,000)

 Interest Rates and Late Fees

 Monthly interest rates start at 3.5%.

 Late payment penalties vary based on the outstanding amount.

 Foreign Transaction Charges

 3.5% of the transaction amount for foreign currency spends. 

Rewards Redemption

 How to Redeem Points

 Log in to your SBI Card account. 

Navigate to the rewards section. 

Choose from a variety of redemption options, including gift vouchers and merchandise.

 Partner Brands for Redemption 

Redeem points across various categories like shopping, travel, dining, and entertainment with SBI’s extensive partner network.

Comparisons with Other Credit Cards

SBI SimplySAVE vs. SimplyCLICK

While SimplySAVE focuses on rewards for offline spends like dining and groceries, SimplyCLICK shines for online transactions.

How It Stands Out

The 10x rewards multiplier for partner brands makes SimplyCLICK a go-to choice for digital shoppers.

Tips for Maximizing Benefits

Always use the card for online shopping with partner brands to earn higher rewards.

Plan your spending to meet the milestone for an annual fee waiver.

Regularly redeem reward points to avoid expiration.

Advantages and disadvantages.

Advantages

High reward points for online purchases.

Affordable annual fee with a waiver option.

Comprehensive security features.

Disadvantages

Limited benefits for offline shoppers.

High-interest rates on revolving credit.

Conclusion

The SBI Simply Click Credit Card is an excellent option for frequent online shoppers. It has a very good rewards system, welcome benefits, and low fees, making it a good value for money. It might not be the best option for those who don't spend much online.