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SBI SimplyCLICK Credit Card

SBI SimplyClick Credit Card: Well, if you are among those who look for opportunities to save on every expenditure made, this is for you. Today, when the entire world is obeying the rules of social distancing, trying to make sure they do not contract the COVID-19 infection from any random person they come in contact …

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SBI SimplyClick Credit Card: Well, if you are among those who look for opportunities to save on every expenditure made, this is for you. Today, when the entire world is obeying the rules of social distancing, trying to make sure they do not contract the COVID-19 infection from any random person they come in contact with, this credit card from SBI has become the best option. How?

The SimplyClick Credit Card is a contactless card, which when waved, the transaction occurs. From using it for daily purchases to buying something too expensive, you can use this SBI Simplyclick credit card for all your purposes. You just need to wave it at the secure card readers provided at the shops for safe transactions. If you want something that doesn’t require much cash, you can simply have this SBI credit card in your pocket to send even the minimum amount needed for your day-to-day livelihood.

About the SBI SimplyClick Credit Card

When you join the queue of the SimplyClick Credit Cardholders, you will have to pay Rs. 499 for the first time(Joining Fee). From the second year, you will be liable to pay the same amount(annual fee) for renewal. In fact, Rs. 499 will be your annual fee to keep using this SBI card.

SBI, however, comes up with a benefit for its loyal customers in this respect. The cardholders who spend a minimum of Rs. 1 lakh in a year will be exempted from paying the annual renewal fee. The interest rate applicable for the SimplyClick credit card is 3.50% per month to 42% per year.

Features of SBI SimplyClick Credit Card

There are lots of features that make this SimplyClick Credit Card one of the best in India. Some of them have been listed below:

Contactless

In times of the pandemic, people are refraining from shopping outside as they know they cannot avoid coming in contact with the people around while making payments. They are scared of contracting the Coronavirus from anyone they come across. However, there are times when you cannot avoid buying necessary items, including clothing and accessories. This is where the SBI SimplyClickCredit Card appears to be the best as it helps users to wave the card and make payment.

The card is designed on contactless technology and hence the retail terminals allow you to wave the card in front of the card readers and pay for the things bought.

Reward Point

Every card has a feature of reward points and this SBI credit card is no exception. You can earn one reward point for every Rs. 100 that you spend on the card. Plus, this SimplyClick SBI card offers you an opportunity to earn more reward points for the online spends that you make at the e-commerce websites or stores that have partnered with the bank.

Therefore, if you purchase anything from Amazon, BookMyShow, Cleartrip, Lenskart, FoodPanda, and UrbanClap, you will be subject to receiving 10 times more reward points. Even if you are purchasing something online from non-partner e-commerce stores, you will still be eligible to enjoy 5 times more reward points on using this credit card.

Milestone Rewards

Apart from online shopping benefits, the SimplyClick Credit Card also has milestone rewards for a user. You get Cleartrip e-vouchers for your online shopping worth Rs. 1 lakh to Rs. 2 lakh. Thus, plan a trip and enjoy vouchers of Rs. 2,000 for each spend between the range.

Annual Fee Waiver

As already stated above, if a user records making a transaction worth Rs. 1 lakh or more using the SBI SimplyClick credit card, the annual fee of Rs. 499 required to renew the card is waived.

Global Acceptance

The best part is that this card will not only be valid for use in the outlets in India but also in the ones around the globe. This SimplyClick credit card is accepted overseas and over 24 million outlets have a provision of accepting transactions using this SBI credit card besides the 3.25 lakh outlets within India alone.

Go to Compare Credit Cards to know more.

Benefits of SBI SimplyClick Credit Card

Now when you already know the features of the SBI SimplyClick Credit Card, here is a list of some benefits that you should know of before giving a second thought on applying for this credit card:

Fast

When you have this SBI card, you need not worry as you can just wave and make payments without any hassle. Neither the shopkeeper would require swiping the card nor you would require pressing your code in front of all. Just wave the card in front of the card reader and go for it.

Convenient

You no more require carrying cash for your inexpensive purchases. This SBI SimplyClick card can be used for any amount be it big or small. Hence, it gives you the convenience to make daily purchases without having to withdraw cash from the ATM or bank anymore. Above all, this SBI card enables you to withdraw cash on the go. Yes, as a cardholder you can withdraw the required cash from more than 1 million ATMs around the world using this card.

Secure

Being contactless in nature, this card is less likely to be lost as most of the time users tend to forget their card at the shops, forgetting to collect the same after the transaction. While using the SimplyClick SBI card, the card doesn’t leave your hand. You hold it when you wave and make payment. Thus, the risk of losing the card gets reduced to a great extent. In addition, there will be no fear of fraud as you don’t have any code to enter like other credit cards.

Facilities

One of the best things about these cards is that the cardholders can have add-on cards in place for their family members, including parents, siblings, spouse, children, etc. The only criteria to get these add-on cards is that the recipient should be 18 or above in age.

Another facility that these credit cards offer is that they can be used to pay utility bills, including electricity, phone, mobile, etc. The Easy Bill Pay feature is one of the best features available with this SBI card.

Transfers

If you are burdened with debt, this SBI card gives you an opportunity to transfer all outstanding balances from other banks’ credit cards to itself. As a result, all your credits would be accumulated in one place and repayment will become easier for you. This SBI card will not only have a lower rate of interest for this balance transfer but will also let you receive payback in EMIs. Save while you pay your due amount with an SBI SimplyClick credit card.

FlexiPay

With the help of this facility of the SimplyClick SBI card, you can convert your spending into easy installments to be paid monthly. You can make a purchase of whatever amount and log in to the official website of the bank within 30 days of the purchase and convert the entire amount to easily payable installments.

Easy Money

One of the unique benefits offered by the SimplyClick SBI card is Easy Money. Using this facility, cardholders can generate a draft or cheque against a particular cash amount and get it delivered to their doorsteps. They can book the same via the official website of SBI.

Eligibility Criteria for SBI SimplyClick Credit Card

Of course, the features and benefits of these bank credit cards are many, but to enjoy them, it is important to apply for the same. And even before that, you have to check whether you are eligible to apply for it. Let’s have a look at the steps to find out the eligibility criteria for users to apply for this SimplyClick SBI credit card:

  • Visit SBI’s official website
  • On the SBI Credit Cards tab, go to the “Simplyfier” page
  • You will be asked questions one by one for the bank to know your personal and professional details, including your income and expense-related information.
  • You will be required to select your income range and other options
  • After you finish answering all the questions, click on “Show My Card”

As per your eligibility, you will have a list of cards you can apply for. If the options you selected make you eligible for a SimplyClick SBI credit card, the same will be visible on the list. In case the option is not there, consider yourself ineligible.

Documents Required for SBI SimplyClick Credit Card

As soon as you know that you are eligible to apply for the credit card offered by SBI, the next thing is to know the list of documents you need to have while making an application.

Here is a list of documents that you might require:

  • Proof of identity
  • Proof of residence
  • PAN Card
  • Proof of income
  • Passport size photograph
  • Bank statement

Before you start applying for the SBI card, make sure you have your documents ready to be attached along with the application.

How to Apply for SBI SimplyClick Credit Card?

When it comes to applying for a SimplyClick SBI card to get reward points and other benefits, there are two ways in which you can do it:

Using SBI official website

  1. Visit the official website of SBI
  2. Select SimplyClick SBI card
  3. Click on Check Eligibility to know if you are eligible to apply
  4. In case you are eligible, you will be taken to the online application page
  5. Fill in the application form
  6. Click Submit
  7. Upload the required documents to continue

Using Roopya

  1. Go to roopya.com
  2. Click on the Credit Cards option from the menu bar
  3. Select SBI Bank to be taken to the official website of the bank
  4. Select SimplyClick SBI card
  5. Click on Check Eligibility to know if you are eligible to apply
  6. In case you are eligible, you will be taken to the online application page
  7. Fill in the application form
  8. Click Submit
  9. Upload the required documents to continue

As soon as you submit the application with all the documents attached along with it, you will receive an acknowledgment message with an application ID. This is the code using which you can track the status of your application. You can start checking it only after a week of submission.

Fee & Charges

The fees and charges applicable to you while using the SBI cards have been mentioned below for your reference as the credit card seeker:

Joining & Annual Fee

You can join by paying Rs. 499 while using the same amount as an annual fee for the next coming years of use.

Cash withdrawal fee

You have to pay 2.5% of the total amount transacted or Rs. 300 for each transaction through SBI ATMs. on the other hand, if you are withdrawing cash from other ATMs, you will either be charged 3% of the amount or Rs. 300.

Late payment fee

If you have a due amount:

  • Up to Rs. 200, there is no late penalty.
  • Rs. 201 to Rs. 500 – Rs. 100
  • Rs. 501 to Rs. 1,000 – Rs. 400
  • Rs. 1,001 to Rs. 10,000 – Rs. 600
  • Rs 10,001 to Rs. 25,000 – Rs. 800
  • Rs 25,001 and more – Rs. 950

Other Fee & Charges

  • Interest rate – Upto 3.50% per month
  • Rewards redemption fee – Rs. 99 for each request
  • Payment dishonour fee – 2% of the total amount or Rs. 450
  • Statement retrieval fee – Rs. 100 per statement
  • Over-limit fee – 2.5%of the over-limit amount or Rs. 500
  • Card replacement charge – Rs. 100
  • Foreign currency transaction charge – 3.5% of the transaction amount

FAQs

What is a SimplyCLICK SBI card?

The SBI SimplyClick Credit Card is a contactless card, which when waved, the transaction occurs.

From using it for daily purchases to buying something too expensive, you can use this Simplyclick credit card for all your purposes.

To become a SimplyClick Credit Cardholder, you will have to pay Rs. 499 for the first time. After that, for the second year, you will be liable to pay the same amount for renewal every year.

What are the benefits of SBI SimplyClick credit card?

The benefits of this card are as follows:

  • Makes transaction fast as neither the shopkeeper would require swiping the card nor you would require pressing your code in front of all. Just wave the card in front of the card reader and go for it.
  • You no more require carrying cash for your inexpensive purchases. This SimplyClick card can be used for any amount be it big or small.
  • Being contactless in nature, this card is less likely to be lost as most of the time users tend to forget their card at the shops, forgetting to collect the same after the transaction. While using the SimplyClick SBI cards, the card doesn’t leave your hand.
  • The add-on cards can be applied to be used by the cardholders’ family members, including parents, siblings, spouse, children, etc. The only criteria to get these cards is that the recipient should be 18 or above in age.
  • If you are burdened with debt, this card gives you an opportunity to transfer all outstanding balances from other banks’ credit cards to itself.
  • With FlexiPay, you can convert your spending into easy installments to be paid monthly. You can convert the whole amount into EMI within 30 days of product purchase.
  • Using Easy Money, cardholders can generate a draft or cheque against a particular cash amount and get it delivered to their doorsteps.

Is SBI simply click credit card good?

Of course, it is good to invest in. The card offers several reward points, including huge facilities with online shopping, especially if the stores you make a purchase from are the partner stores of the bank.

  • You can earn one reward point for every Rs. 100 that you spend on the card.
  • If you purchase anything from Amazon, BookMyShow, Cleartrip, Lenskart, FoodPanda, and UrbanClap, you will be subject to receiving 10 times more reward points on online purchase, while if you are purchasing something online from non-partner e-commerce stores, you will still be eligible to enjoy 5 times more reward points.
  • You get Cleartrip e-vouchers for your online shopping worth Rs. 1 lakh to Rs. 2 lakh. Thus, plan a trip and enjoy vouchers of Rs. 2,000 for each spend between the range.
  • As already stated above, if a user records making a transaction worth Rs. 1 lakh or more using the SimplyClick credit card, the annual fee of Rs. 499 required to renew the card is waived.
  • Besides 3.25 lakh outlets in India, the SimplyClick card is accepted in over 24 million outlets across the globe.

How to Apply Now for SBI SimplyCLICK Credit Card?

Using SBI official website

  1. Visit the official website of SBI
  2. Select SimplyClick SBI card
  3. Click on Check Eligibility to know if you are eligible to apply
  4. In case you are eligible, you will be taken to the online application page
  5. Fill in the application form
  6. Click Submit
  7. Upload the required documents to continue

You can also apply via roopya.com easily.

What are the Key Highlights of SBI SimplyCLICK Credit Card?

The key highlights are:

  • The card is fast, convenient, safe, secure, and contactless.
  • You can just wave and make payment.
  • The add-on cards for the family are available.
  • Balance transfers and EMI conversions are easy.
  • Easy Money is a unique feature
  • Huge reward or loyalty points for shopping online

What are the rewards point on the SimplyCLICK SBI Card?

You can earn one reward point for every Rs. 100 that you spend on the card.

Plus, this SimplyClick SBI cards offer you an opportunity to earn more loyalty points for the online purchases that you make at the e-commerce websites or stores that have partnered with the bank.

Therefore, if you purchase anything from Amazon, BookMyShow, Cleartrip, Lenskart, FoodPanda, and UrbanClap, you will be subject to receiving 10 times more reward points on online purchases.

Even if you are purchasing something online from non-partner e-commerce stores, you will still be eligible to enjoy 5 times more loyalty points on using this credit card.

How to pay bills using the SimplyCLICK SBI Credit Card?

Another facility that these credit cards offer is that they can be used to pay utility bills, including electricity, phone, mobile, etc. The Easy Bill Pay feature is one of the best features available with this SBI card.

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