Click to Prosper: A Comprehensive Guide to SBI Simply Click Credit Card Rewards and Benefits

SBI is a leading card issuer in India, providing credit cards with benefits across varied categories. Each and every card is focused on the unique needs of individuals, such as shopping, lifestyle, travel, movies, grocery, etc. Some of the SBI credit cards are SBI Simply Click Credit Card, SBI Simply Save Credit Card, SBI Prime Credit Card, SBI Card Elite, and many more. 

In this article, we will be discussing the SBI Simply Click Credit Card, which is an entry-level credit card designed for online purchases. It also provides additional rewards and privileges for online purchases made with different partner brands like BMS, EazyDiner, Cleartrip, Netmeds, etc. It is basically an entry-level card that benefits online shoppers. It is a decent choice if you are looking for rewards with low annual fees. 

Features and Benefits

Mentioned below are the features and benefits of SBI Simply Click Credit Card:

• Welcome Gifts

• Get an Amazon gift voucher worth INR 500 as a welcome gift upon the realisation of the card’s membership fees.
• A voucher code will be received on the registered mobile number within 30 days of paying the joining fees.
• This voucher has a validity of 12 months from the date of accrual.

• Milestone Benefits

• Get an e-voucher worth INR 2000 from ClearTrip when an annual spend of INR 1 lakh is achieved with the card.

• Get another e-voucher worth INR 2000 from ClearTrip when an annual spend of INR 2 lakh is achieved with the card.

• Get a waiver on the renewal fees when INR 1 lakh is spent in the previous year.

• Fuel Surcharge Waiver

• Get a 1% fuel surcharge waived at all fuel refilling stations all across India for transactions ranging between INR 500 and INR 3000 (maximum benefits of up to INR 100 per month).

• Zero Liability Protection

• Get zero liability protection, which means that the cardholder will not be held liable in the case of any unauthorised or fraudulent transactions done through the card if the same has been stolen or reported on time.

• Rewards

• Get reward points on all offline spends per INR 100.
• Get 10X reward points (i.e. 10 points per INR 100) on all online purchases at some partner merchants like ClearTrip, BMX, Dominos, Yatra, Lenskart, Myntra, Apollo 24*7, and Netmeds. These RPs are not applicable to Gift card purchases, Amazon recharges, and utility bill payments. 
• Get 5X reward points on all remaining online purchases at a reward rate of 1.25%.
• A maximum of 10,000 Reward points are applicable on a monthly basis on the bonus along with the documents at a 5X or 10X rate.

The reward points can be redeemed against products and gift vouchers at the Catalogue of the SBI card’s Reward at a rate of 1 reward point that is equal to Re. 0.25. Mentioned below are the steps to get the reward points redeemed:

Step 1: Visit the page of the SBI Card.

Step 2: Click the tab “Rewards”.

Step 3: A complete list of products will then appear on the screen.

Step 4: Choose the product against which the reward points are to be redeemed.

Step 5: In case you are choosing only points to buy, then click on the option “Points only”. In case the same is being bought with partial points and the remaining amount is being paid, then click the option “Points + Pay”.

Step 6: You need to log in using your registered mobile number to get the reward points redeemed.

In case the reward points are to be redeemed against the statement balance, contact SBI card customer care by following some simple steps as mentioned below:

• Log in to www.sbicard.com.
• Under the tab “Main Menu”, select “Mailbox”.
• Now, under the option “category”, choose the option “Reward Points Redemption”.
• Now, under the head “Sub Category”, click the option “Request for Redemption”.
• Click on “Proceed” further to send the mail.

Fees and Charges

Mentioned below are the fees and charges associated with the SBI Simply Click Credit card:

Eligibility Criteria

Mentioned below are the eligibility parameters that are to be met in order to apply for an SBI Simply Click Card: 

• In the case of Salaried Individuals

• The minimum age of an applicant should be 18 years.
• The maximum age of an applicant should be 65 years.
• The applicant should have a minimum income of INR 20,000 per month.

• In the case of Self-Employed Individuals

• The minimum age of an applicant should be 18 years.
• The maximum age of an applicant should be 65 years.
• The applicant should have a minimum income of INR 20,000 per month as per ITR.

Documents Required

Mentioned below is the list of documents required to be uploaded along with the SBI Simply Click credit card application form:

Pros and Cons

Mentioned below are the pros and cons of SBI Simply Click Credit Card: