SBI SimplyCLICK Credit Card Eligibility, Review & Features

SBI SimplyCLICK Credit Card: Full Review and Application Procedure

This is a very famous and all-time best rewards card of SBI though it's not free, still, it provides you far more than benefit when we compare the same with its fees. In this article, we will discuss SBI SimplyCLICK Credit Card and let you know the application procedure with a full and detailed review

SBI SimplyCLICK Credit Card


Log-in Gift
  • Get gift card worth Rs.500* on joining

Shopping Rewards
  • Earn 10X Reward Points on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap 
  • Earn 5X rewards on all other online spends
  • Earn 1 reward point per Rs.100 on all other spends

Milestone Rewards
  • Voucher Brand: Cleartrip voucher worth Rs. 2,000

Ongoing Rewards
  • Whenever your rewards point reaches 2000, you will receive an option to redeem it either in the Amazon Pay Gift Card of Rs. 500 or Cleartrip Voucher of Rs. 500
  • Voucher code and other relevant details will be sent via SMS to your registered mobile number

Enjoy Complete Fuel Freedom
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
  • Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account

Annual Fee Reversal

Contactless Technology
  • Simply wave your card at a secured reader and your transaction is done.
  • Maximum payment of Rs 2,000 allowed per contactless transaction.

Features of SimplyCLICK SBI Credit Card

Contactless Advantage
  • Daily purchases now made easy with SimplyCLICK SBI Credit Card. Simply wave your card at a secure reader to transact
  • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
  • Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure

Worldwide Acceptance
  • You can use your SimplyCLICK SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Use your card to make payments at any outlet that accepts Visa or MasterCard

Add-on Cards
  • With SimplyCLICK SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

Cash on the Go
  • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

Utility Bill Payment Facility
  • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SimplyCLICK SBI Credit Card

Balance Transfer on EMI
  • Save money while paying your credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to your SimplyCLICK SBI Credit Card, and avail a lower rate of interest and pay back in EMIs
  • Log on to with your user ID and password to take benefit of this service
  • Flexipay
  • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SimplyCLICK SBI Credit Card, and log in with your username and password to within 30 days of purchase to convert it into Flexipay

Easy Money
  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
  • Log in with your username and password to to book Easy Money

Fees of SimplyCLICK SBI Credit Card

  • Annual Fee (one time): Rs. 499
  • Renewal Fee (per annum): Rs. 499 from the second year onwards. Renewal Fee reversed if annual spends for last year >= Rs.1,00,000
  • Add-on Fee (per annum): Nil

Extended Credit
  • Interest-free credit period: 20-50 days (applicable only on retail purchases and if previous months’ outstanding balance is paid)
  • Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
  • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200) + all applicable taxes + EMI (in case of EMI based products)+OVL amount (if any)

Cash Advance
  • Cash Advance Limit: Up to 80% of the credit limit, with a maximum of Rs. 12,000 per day
  • Free Credit Period: Nil
  • Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of withdrawal

Cash Advance Fee
  • SBI and other domestic ATMs: 2.5% of withdrawal or Rs. 500, whichever is higher, per transaction
  • International ATMs: 2.5% of withdrawal amount or Rs. 500, whichever is higher, per transaction

Other Charges
  • Cheque Fee: Rs. 100
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 500
  • Statement retrieval: Rs. 100 per the statement, which is two or more months old
  • Late payment:
    • NIL for Total Amount due from Rs.0-Rs.500;
    • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
    • Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
    • Rs. 950 for Total Amount due greater than Rs. 10,000
  • Overlimit: 2.5% of the over-limit amount subject to a minimum of Rs. 500
  • Card replacement: Rs. 100
  • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
  • Foreign currency transaction: Conversion mark up - 3.5%
  • Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000)
  • Cash Payment fee: Rs. 199

  • Railway tickets through Railway counters: Rs. 30 + 2.5% of the transaction amount
  • Railway tickets through 1.8% of transaction amount + service charge, as applicable
  • Fuel and all products and services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of all applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
  • 1% of transaction amount for transaction Amount Between Rs. 500 to Rs. 3,000

Order of Payment Settlement
  • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

Things to know
  • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
  • All taxes would be charged as applicable to all the above Fees, interests & Charges.
  • Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at

Direct Application Link and Get Rs. 500 Amazon Gift Card on your first transaction of your new card: CLICK HERE 


On Telegram:
  • Join our Telegram group for GST Updates: Click Here
  • Join our Telegram group for Income Tax Updates: Click here
  • Join our Telegram group for all Statutory Updates: Click here
  • Join our Telegram group for Finance Updates: Click here
  • Join our Telegram group for Accounts Updates: Click here
  • Join our Telegram Channel for GST, Income Tax Discussion & Queries: Click here
  • Join our Telegram group for Wholetubermanish overall Website updates: Click here

On Whatsapp:

On Facebook:
  • Join our GST, Income Tax, Accounts, Audit & Finance Updates Group: Click here
  • Like our Wholetubermanish FB page for overall Website updates: Click here

(We committed to deliver you the very best of knowledgeable content without even a single spamming)

If you want to submit your articles and featured your name on our website, Submit your article here or you can mail us at

Please allow push notification from our website and subscribe to our E-mail newsletter so that you won't miss any important updates from us.


Instagram 🔴 YouTube 🔴 Facebook 🔴 Twitter 🔴 Linkedin 🔴 Pinterest 🔴 Reddit


Please drop your queries, suggestions & feedback.

  1. This is such a great resource that you are providing and you give it away for free. I love seeing blog that understand the value of providing a quality resource for free. americ


Post a Comment

Please drop your queries, suggestions & feedback.

Previous Post Next Post