SBI SimplyClick credit card provides the cardholder is a basic credit card from SBI. The card has exclusive benefits and features along with milestone vouchers and a welcome gift. The card is ideal for frequent online shoppers looking to maximise rewards on everyday digital transactions.
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Love online shopping? 10x reward points on shopping at exclusive online partners Cleartrip, Bookmyshow, Netmeds, Apollo 24/7, Myntra, Yatra, Dominos, IGP, Swiggy, GyFTR
5x reward points for all online spends made other than on exclusive partner brands (capped at 10,000 points per month)
Annual fee will be reversed from the second year onwards if you spend just ₹8,334 per month for a period of 1 year
E-voucher worth ₹2,000 on annual online spends of ₹1 & ₹ 2 lakhs
Annual fee waiver on yearly spends of ₹1 lakh in previous year
1% fuel-surcharge waiver at petrol bunks on transactions between ₹ 500 & ₹3,000, up to ₹100 per statement cycle
1 reward point = ₹0.25
Balance transfer facility available (T&C apply)
Visa Offer: Amazon Pay/Swiggy/Zomato voucher of up to ₹750 on activating new card with min. transaction of ₹300*
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*Limited validity. T&C apply
The Simplified Click SBI card is an entry level credit card with an annual fee of Rs.499. This cost will be waived by SBI if the cardholder spends over Rs.1 lakh within the first year. The card comes with a maximum interest rate of 3.75% per month. This card is further tailored specifically for online shoppers by providing through its partner retailers 10X reward points on all purchases made and 5X reward points for all other online purchases.
The following are the significant highlights of SBI SimplyCLICK Credit Card:
SimplyCLICK SBI credit card offers various privileges including rewards, milestone benefits and many more. The features and benefits of this card are mentioned in the table below:
The different rewards of using SimplyCLICK SBI Card are:
Category | Details |
E-Shopping Rewards | Earn 10X reward points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq |
E-Shopping Rewards | Earn 5X reward points on other online spends |
Milestone Benefits | Get e-vouchers worth Rs.2,000 each on annual online spends of Rs. 1 lakh and Rs. 2 lakhs |
The fees and charges applicable for SimplyCLICK SBI credit cards are given in the table below:
Type of Charge | Fee |
Annual fee | Rs.499 |
Renewal fee per annum | Rs.499 from second year onwards |
Add-on fee per annum | Nil |
Finance charge | Up to 3.75% per month (45% per annum) |
Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs | 2.5% of the transaction amount or Rs.500 (whichever is higher) |
Cash payment fee | Rs.250 + applicable taxes |
Overlimit | 2.5% of overlimit amount or Rs.600 (whichever is higher) |
Balance Transfer |
|
Late payment |
|
Payment dishonor fee | 2% of the amount (minimum of Rs.500) |
Cheque payment fee | Rs.200 |
Card replacement | Rs.100 to Rs.250 |
Rewards redemption fee | Rs.99 (only on cash redemption, gifts, and specific vouchers) |
Foreign currency markup | 3.50% |
The following are the eligibility criteria for SimplyCLICK SBI Card:
Eligibility Criteria | Details |
Minimum Age | The applicant must be at least 21 years old at the time of application. |
Maximum Age | The applicant should not be more than 70 years old. |
Occupation | Both salaried and self-employed individuals are eligible to apply. |
Income Requirement | The applicant must have a regular and stable source of income to support repayments. |
Credit Score | A good credit score is preferred, as it improves the chances of approval. |
Final Approval | Eligibility is subject to SBI Card’s internal policies and verification after application. |
Given below are the list of documents you need to submit the following documents:
Documents Required | Details |
PAN Card | Mandatory for identity verification and financial assessment. |
Address Proof | Aadhaar Card (with first 8 digits masked) or any valid government-issued address proof. |
Income Proof | Salaried individuals may need to submit recent salary slips and bank statements, while self-employed individuals may need to provide Income Tax Returns (ITR) or other income documents. |
Additional Documents | Additional documents may be requested depending on the applicant’s profile, eligibility, and SBI Card policies. |
KYC Compliance | All documents must meet KYC requirements; original documents may be required for verification if needed. |
There are four ways to apply for the SimplyCLICK SBI Card, depending on your convenience:
Apply Online (Website): This is the fastest and most convenient way to apply, allowing you to complete the entire process digitally from anywhere.
Apply via Chatbot (ILA): This method provides a guided, interactive experience where the chatbot assists you through each step.
Apply via Helpline: This option is useful if you prefer assistance while applying or have queries during the process.
Apply at SBI Branch: This method is ideal for those who prefer face-to-face assistance and guidance.

Contactless payments are subject to limits of use determined by Reserve Bank of India guidelines on a per transaction basis. If the amount of the transaction exceeds this limit, the cardholder will need to input a pin into the terminal to verify the transaction.
You will be able to view the balance of your points by signing into your account online or by using the SBI Card App on your phone.
Your rewards points may have expiration dates based on the terms and conditions associated with your SBI Card account. Therefore, it is advisable to spend them before they become invalid.
You may use your SBI SimplyCLICK credit card at retailers outside of India, provided that the retailer is participating in either the Visa or Mastercard networks.
If your SBI SimplyCLICK credit card is lost or stolen, you should immediately block access to your account by calling customer service or through an online portal so that no unauthorized transactions can be made against your account.

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