We are moving closer to a paperless world and that means you need a credit card you feel you can depend on like the SBI SimplyClick Credit Card. It isn’t the only reliable credit card out there, but that’s the one we’re going to check out here. A card that gives you the essentials is important and then they’ve also got to provide more.
This SBI card, powered by Visa, gives you the chance to earn more rewards and discounts with every buck you spend. And you get access to some pretty cool promos and discounts while spending. At the core, they say their aim is to help you get maximum savings, but the proof is in the pudding.
We’re getting close and personal with the SBI SimplyClick Credit Card to give you the details of what they’re offering. You’ll want to learn more about their fees and eligibility requirements, so keep reading to learn more!
What the SBI Simply Click Credit Card Has to Offer
Features
Categorized under the ‘Shopping’ category, the SBI Simply Click credit card has many benefits designed to complement a shopping-based lifestyle.
For ease and convenience, SBI has made contactless technology available at various POS terminals as well as cash withdrawals from ATMs.
For individuals who plan on making a huge purchase, this shopping credit card also utilizes a Flexipay system that allows flexible and affordable monthly repayments for purchases over Rs. 2,500.
Benefits
It also prides itself in giving exclusive e-Shopping rewards where you can get up to 10 times the reward points each time you shop online with partner merchants such as Amazon, Cleartrip, BookMyShow, Lenskart, UrbanClap, and many more.
Meanwhile, for all other online spending, you earn 5X rewards. Under the incentives program, you also can earn 1 reward point for every Rs. 100 spent.
True to its rewards program, the SBI Simply Click credit card also comes with a 1% fuel surcharge waiver for transactions ranging from Rs. 500 to Rs. 3,000.
As part of its welcome offering, SBI is giving you a log-in gift at Amazon worth Rs. 500.
Am I Eligible?
Individuals who are of legal age are eligible to apply for this credit card. Proof of address, identification, and your KYC-PAN card, together with a photograph, is also required, so ensure that you have these on hand.
Employee and financial information will also be asked when you apply online. These are also the same documents you’ll need should you choose to apply via an SBI branch near you.
How to Apply
To apply in person, visit your nearest SBI branch and speak to a representative, making sure you have the appropriate files on hand.
To apply online, simply visit the SBI website and fill out an online application.
Fees and Charges
For more comprehensive information regarding rates and fees, speak with a bank representative. Below are some of the most prominent fees you will face as a cardholder.
- APR – 40.2% (Subject to Rs. 25 or 3.35% per month, whichever is higher)
- Annual and Renewal Fee from 2nd Year Onwards – Rs. 499
- Cash Advance Fee – 2.5% of withdrawal amount or Rs. 500, whichever is higher
- Cash Advance Fee at International ATMs – 2.5% of withdrawal amount or Rs. 500, whichever is higher
- Cheque Fee – Rs. 100
- Card Replacement Fee – Rs. 100
- Foreign Currency Transaction – 3.5% conversion markup
- Cash Payment Fee – Rs. 199
- Late Payment Charge – Rs. 400 to Rs. 1,300 depending on the total amount
- Over Limit Charge – 2.5% of over-limit amount (minimum of Rs. 500).
How to Contact SBI
Overall, the SBI Simply Click credit card is a worthy contender for those who value savings while making purchases.
For queries, feel free to contact the bank at 1 (866) 328-4209.
Their head office address is SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034, CIN:L65999DL1998PLC093849.
Conclusion
If you are looking for a rewarding Indian credit card that provides special discounts and more, then the SBI SimplyClick Credit Card might suit you well.
Head to their website today and consider applying.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
