SBI SimplyCLICK Credit Card Review

If you love online shopping then SBI SimplyCLICK Credit Card is an ultimate card for you. The SBI bank promotes this card with tagline, “For a generation that is always online”.SBI SimplyCLICK Credit Card Review

Features of SBI SimplyCLICK Credit Card:

  • SBI SimplyCLICK Credit Card Annual Fee (one time):Rs. 499 + GST
  • Renewal Fee (per annum):Rs. 499 + GST (from second year onwards)
  • Add-on fee, per annum: Nil
  • Annual Fee Reversal: The annual fee of Rs. 499 will be reversed if the annual expenses on the card exceed Rs.1, 00,000.
  • Annual Savings: 6,000
  • Flexipay/Easyemi on purchase of Rs. 2,500 or above.
  • Conversion mark up – 3.5%

Benefits of SBI SimplyCLICK Credit Card

Welcome Gift

  • Get a welcome e-gift voucher worth Rs.500 from Amazon.

Reward Points

  • Earn 10X rewards on Rs.100 online spends with special partners such as BookMyShow, Amazon, Cleartrip, Netmeds, Lenskart, UrbanClap, Rentomojo and Foodpanda.
  • 5X rewards on all other online spends for Rs 100.
  • Earn 1 reward point per Rs.100 on all other spends

Milestone Benefits

  • Earn e-gift vouchers worth Rs.2,000 each on Rs.1 Lakh and Rs.2 Lakhs yearly online spends.
  • You can also get an e voucher of Rs.2,000 on the spends of Rs.1 lakh from one of their partners that is decided by SBI Card.
  • Voucher code and other significant details will be sent via SMS to your registered mobile number.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver for every transaction between Rs 500 and Rs 3000 (exclusive of GST, wherever applicable and all other charges)
  • Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.

Foreign currency markup fees

  • Foreign currency transaction: Conversion mark up – 3.5%

BookMyShow Offer

  • Instant Cash back of RS.100 on first movie ticket booked on Book My Show Mobile App for first time BookMyShow users.
  • Validity: 30th Jun’19

UrbanClap Offer

  • 40% off on UrbanClap with SimplyCLICK SBI Card for first time UrbanClap users.
  • Validity: 30th Jun’19

Features of SBI SimplyCLICK Credit Card

  • Contactless Technology: Just simply wave your card at a secured reader and your transaction is complete. Maximum payment of Rs 2,000 allowed per contactless transaction.
  • Cash Advance limit: Up to 80% of the credit limit, maximum ₹ 12,000 per day.
  • Extended Credit Charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction

SBI SimplyCLICK Credit Card Reward points Redemption

  • If you spend Rs. 20,000 cumulatively on Amazon, you earn 2000 Rewards points.
  • Get Rs.500 Amazon gift voucher.
  • This voucher has high value of 25 Paise per reward point, so: 500/20000 = 2.5% returns
  • You have Rs.1000 Amazon gift voucher for 5700 points. Then, the value of reward point becomes ~17.5 Paise.
  • Tip: Buy Amazon gift vouchers for rounded figures, so that you won’t lose reward points while spending. You will get reward points for loading money into gift card too.

Hence, by selecting this card you can enjoy online shopping and numerous benefits. If we compare it with other cards such as SBI Prime Credit card its fee is Rs.2999 annually and SBI SimplyCLICK Credit Card annual fee is only 499. So, it’s totally up to you that which card you want and how much you can pay as fee.

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