The SimplyCLICK SBI Credit Card, tailored for online shopping, offers enhanced rewards for purchases with partners like BookMyShow and Cleartrip. In contrast, the SBI SimplySAVE card, also entry-level, caters to offline expenses, differentiating it from the SimplyCLICK card's online focus.
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Best Suited For
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| Documents Required for Identity Proof |
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| Documents Required for Address Proof |
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| Documents Required for Income Proof |
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| Other Documents Required |
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Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com
| Fees/Charges | Amount |
|---|---|
| Annual Fee | Rs 499 |
| Add-on Fee | Nil |
| Finance charges for extended credit | Up to Rs 25 or 3.35% per month (40.2% per annum), whichever is higher from the date of the transaction |
| Minimum amount due for extended credit | 5% of Total Outstanding [ Min Rs 200 + all applicable taxes + EMI (in case of EMI based product) + OVL amount (if any) |
| Cash advance limit | Up to 80% of the credit limit, with a maximum of Rs 12,000 per day |
| Cash advance fee | 2.5% of the transaction amount, subject to a minimum of Rs 500 |
| Statement retrieval | Rs 100 per statement that is more than 2 months old |
| Payment Dishonor fee | 2% of the payment amount, subject to a minimum of Rs 450 |
| Cheque pick-up fee | Rs 100 |
| Overlimit | 2.5% of over limit amount subject to a minimum of Rs 500 |
| Card replacement | Rs 100 |
| Emergency card replacement when abroad | Actual cost (subject to a minimum of $175) |
| Foreign currency transaction | Conversion markup of 3.5% |
| Dynamic Currency Conversion | A markup fee of 3.50% |
| Rewards redemption fee | Rs 99 |
| Cash payment fee | Rs 199 |
| Railway tickets through counters | Rs 30 + 2.5% of the transaction amount |
| Railway tickets through irctc.co.in | 1.8% of transaction amount + service charge, as applicable |
SimplyCLICK SBI Card Late payment
| Amount (in Rupees) | Late payment fees (in Rupees) |
|---|---|
| 0 – 200 | Nil |
| 201 – 500 | 100 |
| 501 – 1000 | 400 |
| 1001 – 10,000 | 600 |
| 10,001 – 25,000 | 800 |
| > 25,000 | 950 |
Now earn various reward points and bonus reward points at a faster pace with every transaction with your SimplyCLICK SBI Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it. These reward points can be redeemed to make several online purchases on www.sbicard.com. Customers can also redeem reward points against their SBI credit card outstanding balance.
You can avail the following reward points on your SimplyCLICK SBI Credit Card:
You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary cardholder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be canceled or changed. Gift vouchers will be valid for three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer
SBI Credit Card Rewards Store/Catalogue
| Category | Brands |
|---|---|
| Accessories | Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc. |
| Apparel & Superstore | Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc. |
| Books & Periodicals | Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc. |
| Electronics | Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc. |
| Elite Book of Rewards | Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas |
| End of Season Sale | Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc. |
| Entertainment & Dining | BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins |
| E-voucher | MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc. |
| Festive Catalogue | Diesel |
| Health & Fitness | Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc. |
| Homeware | Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc. |
| Kids Zone | Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc. |
| Lifestyle | Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc. |
| Luxury | PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas |
| Memberships | Accor Plus/ Cult.fit/ FITPASS |
| Preferred partner | Card Protection Plan/ FBB/ Central |
| Travel & Holiday | MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc. |
To check your reward points gained from your SimplyCLICK SBI Credit Card:
Redeem reward points through the Website
Customer care for SBI Credit Card
You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address, or email ID. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit scores, annual spends, add-on cards, required documents, annual fees, credit card applications, and many more in the best possible way through the SBI credit card helplines.
SBI Credit Card Toll-Free Number:
SBI Credit Card “Simply SMS” Service
Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791
SBI Credit Card Postal Address
Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001
Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India
SBI Credit Card Email Click on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.
Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put in your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approved, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened. You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get approval.
The credit limit depends on income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have stability in either your job or business. Existing cardholders can get a good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment, and business details before deciding whether it will raise the credit limit or not.
A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment. This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future. In addition, you would struggle to meet other financial liabilities that you may have to carry out every month.
At the same time, don’t be too low on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spending to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.
SimplyCLICK SBI Card Online Bill Payment
Do away with the bill payment delays by adding your SimplyCLICK SBI Card to the list of billers via net banking pay your bills on time and avoid default.
If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can log in and pay from the comfort of your home or office either on or before the due date.
What is a SimplyCLICK SBI credit card?
SimplyCLICK is a credit card offered by the State Bank of India (SBI) which is best suited for online shoppers. With SimplyCLICK SBI credit card, you can earn great rewards and benefits while also saving money on your shopping expenses. Get 10X reward points on your favorite online platforms like Amazon, BookMyShow, Cleartrip, Lenskart, UrbanClap, and more. So, you can now save while you shop with a SimplyCLICK SBI credit card. Also, get a lower rate of interest through the feature of balance transfer on EMI.
How can I get an Amazon welcome voucher from SBI SimplyCLICK credit card?
Customers can get an Amazon welcome voucher (redeemable on the Amazon website or mobile app) worth Rs 500 on payment of annual fees of SimplyCLICK SBI credit card. The Amazon voucher code will be sent on the customer’s registered mobile number within 30 days from payment of the annual membership fee.
How do I book IRCTC tickets through SBI SimplyCLICK credit card?
Customers can follow the steps given below to book IRCTC tickets through their SBI simply click credit card:
How much is needed to pay for SimplyCLICK SBI credit card?
The joining fee for SimplyCLICK SBI credit card is Rs 499. The annual fee from second year onwards is also Rs 499. Customers can get their annual fees waived from the second year of subscription, provided they spend Rs 1 lakh annually.
How to avail of reward points for SimplyCLICK SBI credit card?
Customers can avail of reward points by using their SBI SimplyCLICK credit card for their online transactions. SimplyCLICK gives a host of great reward points. Customers can avail 10X reward points on online spends with partner stores like Amazon, BookMyShow, Cleartrip etc. along with 5X reward points on all other online spends. Customers can redeem their reward points for an online gift purchase or to pay the outstanding balance on their SBI credit cards.
How to convert SBI SimplySAVE credit card to SimplyCLICK credit card?
To convert SBI SimplySAVE credit card to SimplyCLICK credit card, customers can either call on the SBI helpline number 1860 180 1290 or 390202 (prefix local STD code) or write at www.sbicard.com/email regarding their request for credit card conversion. Additionally, the customers can also login to their SBI card account at sbicard.com to place their request for card conversion. Alternatively, customers can login to Chatbot ILA, ask their query about card conversion and follow the guided steps.
How to pay the bill for SimplyCLICK SBI credit card?
SBI credit card bill can be paid through various methods such as Online Banking (through your SBI account); NEFT (through any bank account); Paynet-Pay Online (through netbanking); SBI Mobile App YONO; Via UPI (money transfer between 2 accounts); Debit card (through other bank debit card). Click on any payment method to learn more about it.
How to redeem SimplyCLICK SBI credit card reward points?
You can redeem SimplyCLICK SBI credit card reward points through either SBI credit card website or SBI mobile app. To redeem SimplyCLICK SBI credit card reward points, you need to log in to either the SBI website or the mobile app. Click on “Rewards” and then on “Redeem Rewards” and choose a reward of your choice. Click on “Redeem now” and confirm.
What is the difference between SBI SimplySAVE and SBI SimplyCLICK credit cards?
Although both the SBI credit cards are mainly for shopping, the main difference between SBI SimplySAVE and SBI SimplyCLICK is that while SimplySAVE is best suited for offline spends, SimplyCLICK is suited for online spends. Further, SimplySAVE provides 10X reward points for dining, movies, departmental stores and grocery spends and SimplyCLICK provides 10X reward points for online partners like Amazon, BookMyShow, Lenskart, UrbanClap etc.
What are the benefits of SimplyCLICK SBI credit card?
SimplySAVE SBI credit card is a boon for frequent shoppers and provides a multitude of benefits like 10X reward points, Milestone Rewards, Fuel surcharge waiver, Annual fee reversal, Welcome offer and Low joining fee to name a few. It also provides facilities like Balance Transfer on EMI, Flexipay, Contactless advantage, Easy bill pay facility, Add on cards etc.
