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₹499 Plus Applicable Taxes
NA₹499 Plus Applicable Taxes
Waived off on annual spends of Rs. 1 lakhNeed Help understanding?
1st Year Fee: ₹499* Plus Applicable Taxes
Reward Points
5X rewards on online shopping
Brand Benefits
10X rewards on Dominos, Myntra, Yatra & more
Entry-level
Low annual fee & easy approval
Author: Shruti Sharma
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SBI SimplyCLICK Credit Card is an entry-level card well suited for online shoppers. Consumers can earn 10-times more rewards with exclusive online shopping partners like BookMyShow, Myntra, Cleartrip and more. All other online purchases earn 5-times more rewards. For a low-fee credit card, its reward-earning rate is competitive. However, the redemption rate is relatively low and the redemption options are also limited, which may impact overall value.
Since the highest benefits are limited to a few partner merchants, SimplyCLICK SBI Card is ideal for those who frequently shop at these platforms, enabling them to maximize the card’s benefits. However, those who seek substantial returns across a broader range of online transactions, without specific merchant restrictions, could consider cards that offer broader benefits.
Cardholders will earn reward points at the following rates:
Also Read: 25 Best Credit Cards in India
The SimplyCLICK SBI Card provides decent benefits on online shopping, especially for those who frequently use their card with the exclusive partners of SBI Credit Card.
For instance, on select online partners, SBI Simply CLICK Credit Card earns a solid 2.50% rewards rate (10 points per Rs. 100 spent, 4 points = Rs. 1). Moreover, the card offers a good reward rate of 1.25% on all online spending (5 points per Rs. 100, 4 points = Rs. 1). However, SimplyClick SBI Card offers quite low reward rate of 0.25% (1 point per Rs. 100, 4 points = Rs. 1) on all other spending categories.
Along with accelerated rewards on multiple online partners and on general online spends, SimplyCLICK cardholders can avail the following benefits:
Also read: Fuel Credit Cards In India
This is mandatory field
If you spend upto ₹0/yr
Spend Rewards₹0
Milestone Benefits₹0
You save₹0
₹499 Plus Applicable Taxes
NA₹499 Plus Applicable Taxes
Waived off on annual spends of Rs. 1 lakhNeed Help understanding?
Fee Type | Amount | ||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Joining Fee | Rs. 499 + Taxes | ||||||||||||||
Annual Fee | Rs. 499 + Taxes | ||||||||||||||
Finance Charges | 3.50% p.m. | 42% p.a. | ||||||||||||||
Late Payment Charges |
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You want a low-fee entry-level rewards credit card
You frequently shop with SimplyCLICK’s partner brands- BookMyShow, Myntra, Cleartrip, etc.
You want to save on general online shopping but are not eligible for cashback cards that offer direct savings on online spends
HDFC Moneyback+
HDFC Millennia
American Express SmartEarn
YES Bank Paisabazaar PaisaSave
Reward Rate3.0/5
Co-branded Benefits4.0/5
Rewards Flexibility2.5/5
SBI Simply CLICK Credit Card can be a good option if you want a basic credit card with benefits more inclined towards online shopping. As compared to other rewards credit cards in its fee range, the benefits are better. However, if you look at a cashback credit card, you can find many options in the same fee range which would offer better value in a simpler way. The only advantage that SimplyCLICK SBI Card has over better cashback credit cards are its easier eligibility terms. Being one the most basic cards from SBI Card, the minimum income requirement is also on the lower side.
Consumers looking for an entry-level credit card can consider getting SBI SimplyCLICK. However, in the same fee range, cashback cards like YES Bank Paisabazaar PaisaSave Credit Card and Tata Neu Plus HDFC Bank Credit Card can offer better savings. PaisaSave covers all online shopping without any merchant restrictions and offers 3% cashback. The Tata Neu Plus Card offers 2% back on Tata Neu and on 10+ Tata Brands across travel, electronics, grocery, dining and even jewellery purchase.
Everything you need to know about this credit card
Other entry-level credit cards offering benefits similar to SBI SimplyCLICK are YES Bank Paisabazaar Paisasave Credit Card, HDFC Moneyback+ Credit Card, American Express SmartEarn Credit Card, Axis My Zone, Flipkart Axis and Swiggy HDFC Credit Card. These cards cater to the online shopping category, along with offering excellent value-back on select brands.
Credit card limit is different for different cardholders as it depends on a lot of factors such as income, credit history, current liabilities, limit on existing cards and several other internal policies of the bank. You will get to know your limit only after you receive your card.
You can redeem SBI SimplyCLICK reward points through SBI Card’s mobile app or by logging into their net banking portal.
Using SBI Card’s Flexipay facility, cardholders can convert their outstanding dues into EMIs and pay it over a period of a few months. This feature is useful for consumers who are facing difficulty in paying off the total amount due. They can defer the payment across months at comparatively lower rates of interest than finance charges that would be applicable in case of partial payment or missed payment.
Consumers can check their application status by entering their application ID on SBI Card’s portal or by calling SBI Credit Card Customer Care.
No. SBI SimplyCLICK Credit Card does not provide complimentary airport lounge access.
Both SBI SimplySAVE and SimplyCLICK are entry-level cards available at the same annual fee of Rs. 499. However, they differ in terms of features and benefits. While SimplyCLICK offers higher value-back on online transactions, along with 10X rewards with select online brands, SimplySAVE offers accelerated value-back on select transaction categories like dining, movies and departmental store spends.
SBI SimplyCLICK does not offer any reward points on insurance premium payment.
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Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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2 Comments
Do we get lounge access from simply click credit card
No. SBI SimplyCLICK Credit Card does not offer complimentary airport lounge access.