SBI SimplyCLICK Credit Card – Fees & Charges (Updated)
| Charge Type | Amount / Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual / Renewal Fee | ₹499 + GST (waived if annual spend ≥ ₹1,00,000) |
| Add-on Card Fee | Nil |
| Finance Charges (Interest) | ~3.50% per month (≈42% p.a.) |
| Interest-free Period | Up to ~50 days (if full payment made) (standard SBI cards) |
| Cash Advance Fee | 2.5% of the amount or ₹500 (whichever is higher) |
| Cash Payment Fee | ₹250 + GST |
| Over-limit Fee | 2.5% of over-limit amount or ₹600 |
| Foreign Currency Markup | ~3.5% of the transaction amount |
| Utility Bill Payment Fee | ~1% (if high-value usage, e.g. >₹50,000/month) |
| Reward Redemption Fee | ₹99 (for physical product redemption) |
SBI SimplyCLICK Credit Card Eligibility Criteria
These are the eligibility criteria that you need to match in order to apply for this card
- Must be a citizen of India
- Only people aged between 21 and 70 can apply for the card.
- Both salaried and self-employed individuals can apply.
- To obtain this card, you need a regular, stable source of income.
- Your credit history will be reviewed, so you should have a good credit score.
- You need to provide valid identity, address, and income proof documents
SBI SimplyCLICK Credit Card Features and Benefits
Welcome Benefit
This card offers a welcome benefit: when you pay the joining fee, you will receive an amazing Amazon voucher worth ₹500.Â
Reward Points on Spending
As it is mainly designed for Online shopping, you will be rewarded for most of your spending. If you shop with partnered brands like Myntra, Swiggy and BookMyShow, you earn 10X reward points. And for other online purchases, you still earn 5X reward points.
Milestone Benefits
If you spend more using the card in a year, you get additional rewards.
You get a voucher of ₹2,000 when your annual spending reaches ₹1 lakh, and another ₹2,000 when it reaches ₹2 lakh.
Fuel Benefit
When you use the card to pay for fuel, you get a 1% surcharge waiver on transactions between ₹500 and ₹3,000. This helps you save a small amount on fuel expenses as well.
Reward Redemption
The reward points you earn can be redeemed for gift vouchers and other items through the SBI rewards catalogue, giving you flexibility in how you use your points.
Add-on Card Benefit
You can get additional cards for your family members without paying any extra fee. Their spending will also contribute to your total rewards.
Overall Benefit
This card is best suited for people who frequently shop online, as it provides higher rewards and better value on online transactions.
SBI SimplyCLICK Credit Card Pros and Cons
Pros |
Cons |
| Great if you shop a lot on Amazon, Flipkart, and other platforms. | Rewards don’t feel great outside those few websites |
| Low yearly fee (₹499) | Not free unless you spend ₹1 lakh in a year |
| You get a ₹500 Amazon voucher when you join | That welcome offer can change anytime |
| You earn extra reward points on online shopping | Offline spending gives very low rewards |
| Easy to get, good for beginners | Not a powerful card for long-term use |
| Works everywhere (Visa card) | No airport lounge or premium perks |
| Good starter credit card | Not useful for travel or international use |
| Can convert big purchases into EMI | Interest is very high if you don’t pay on time |
SBI SimplyCLICK Credit Card Review
If you love shopping and regularly spend on things like clothes, food and entertainment, then you should consider applying for the SBI SimplyCLICK Credit Card because you can earn rewards on all your spending. The other feature that makes it beneficial is the Welcome voucher.Â
Along with having benefits it also has some drawbacks as well, the card is not very rewarding for offline spending, as the reward rate there is quite low. Also, the benefits are mostly focused on specific partner brands, so the value depends on how often you use those platforms.
Overall, this card is best for beginners or online shoppers who want to earn rewards without paying a high annual fee. It may not be the best option for people seeking premium benefits or high rewards across all types of spending.
FAQs
What is the best use of this SBI SimplyCLICK Credit Card?
This card is best for online shopping because it offers higher rewards on online transactions, and even more if you shop with partnered brands.
Do they give any welcome offer?
Yes, they give an Amazon voucher of ₹500 after submitting the joining fee.
Can I get an Add- on Card for my other Family Member?
Yes, of course, you can get add-on cards for family members at no extra fees.
How can I redeem the reward points?
You can redeem reward points for gift vouchers and other rewards.