SBI SimplyClick Credit Card

SBI SimplyClick credit card provides the cardholder is a basic credit card from SBI. The card has exclusive benefits and features along with milestone vouchers and a welcome gift. The card is ideal for frequent online shoppers looking to maximise rewards on everyday digital transactions.

SBI Cards

We found 1 SBI Cards Credit Card

Filter

Bank

1st Year Fee

₹499₹499
  • First year fee upto:

    ₹499

Card Fee Type

    Card Network

    10x Rewards At Exclusive Online Partners

    • SimplyCLICK SBI Card

      1st year fee

      :  

      ₹ 499

    See Less
    Updated On - 01 Apr 2026

    What is SBI SimplyClick Credit Card? 

    The Simplified Click SBI card is an entry level credit card with an annual fee of Rs.499. This cost will be waived by SBI if the cardholder spends over Rs.1 lakh within the first year. The card comes with a maximum interest rate of 3.75% per month. This card is further tailored specifically for online shoppers by providing through its partner retailers 10X reward points on all purchases made and 5X reward points for all other online purchases.  

    Key Highlights and Benefits of SBI SimplyCLICK Credit Card

    The following are the significant highlights of SBI SimplyCLICK Credit Card:

    • You get 1% fuel surcharge waived which can help you save money.
    • When you have spent a total of Rs.1 lakh or Rs.2 lakh online in one year, you can redeem Rs.2,000 worth of e-vouchers.
    • You will also receive an e-Gift Card from Amazon worth Rs.500 once you pay your annual fee.
    • In terms of e-shopping rewards, you'll be able to earn 10X for online spending. You'll earn 5X on other online merchants and 1X per Rs.100 spent on anything else.
    • Milestones can also earn you additional rewards.
    • After spending Rs.1 lakh of total purchases in a year, you can get an e-voucher for Cleartrip or Yatra at checkout.
    • If you spend at least Rs.1 lakh, you can get the annual fee waived for the following year.
    • The annual fee is Rs.499 plus tax. The renewal fee is also Rs.499 plus tax per year and can be waived if you spend Rs.1 lakh annually.

    Features of SimplyCLICK SBI Card

    SimplyCLICK SBI credit card offers various privileges including rewards, milestone benefits and many more. The features and benefits of this card are mentioned in the table below:

    • Contactless Advantage: Payments can be conducted safely through card readers, utilizing tap or wave technologies. Therefore, cards do not physically need to leave your possession. This method allows for transactions to occur much quicker, easier, and in a safer environment.
    • Global Acceptance: You can use the card at millions of merchant locations across the globe, including an extensive domestic network within India, and wherever Visa or MasterCard is accepted by the retailer.
    • Worldwide Access: Access cash anywhere you travel throughout the world through millions of Visa or MasterCard ATM locations.
    • Flexipay EMI: You have an opportunity to convert any purchase transaction of ₹2,500 or more into easy monthly instalments within a predetermined period following the purchase date.
    • Balance Transfer on EMI: Transfer an existing balance from an alternate credit card onto this credit card and pay the transferred amount back via monthly instalments at reduced interest rates.
    • Utility Payment Facility: You can pay for numerous utilities through the card (i.e. electricity, mobile phone, telephone, etc.).
    • Add-on Cards: You can obtain add-on cards for family members (i.e., parents, wife / husband, children and/or siblings aged 18 years and older).

    Rewards of SimplyCLICK SBI Card 

    The different rewards of using SimplyCLICK SBI Card are: 

    Category 

    Details 

    E-Shopping Rewards 

    Earn 10X reward points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq 

    E-Shopping Rewards 

    Earn 5X reward points on other online spends 

    Milestone Benefits 

    Get e-vouchers worth Rs.2,000 each on annual online spends of Rs. 1 lakh and Rs. 2 lakhs 

    Fees and Charges of SimplyCLICK SBI Card

    The fees and charges applicable for SimplyCLICK SBI credit cards are given in the table below: 

    Type of Charge

    Fee

    Annual fee

    Rs.499

    Renewal fee per annum

    Rs.499 from second year onwards

    Add-on fee per annum

    Nil

    Finance charge

    Up to 3.75% per month (45% per annum)

    Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs

    2.5% of the transaction amount or Rs.500 (whichever is higher)

    Cash payment fee

    Rs.250 + applicable taxes 

    Overlimit

    2.5% of overlimit amount or Rs.600 (whichever is higher)

    Balance Transfer

    • For 60 days rate of interest is 0%
    • For 180 days rate of interest is 1.70% per month (20.40% per annum)

    Late payment

    • Rs.0 to Rs.500: NIL
    • Rs.500 to Rs.1,000: Rs.400
    • Rs.1,000 to Rs.10,000: Rs.750
    • Rs.10,000-Rs.25,000: Rs.950
    • Rs.25,000-Rs.50,000: Rs.1,100
    • Rs.50,000 and above: Rs.1,300

    Payment dishonor fee

    2% of the amount (minimum of Rs.500)

    Cheque payment fee

    Rs.200

    Card replacement

    Rs.100 to Rs.250

    Rewards redemption fee

    Rs.99 (only on cash redemption, gifts, and specific vouchers)

    Foreign currency markup

    3.50%

    Eligibility Criteria to Apply for SimplyCLICK SBI Card

    The following are the eligibility criteria for SimplyCLICK SBI Card:

    Eligibility Criteria 

    Details 

    Minimum Age 

    The applicant must be at least 21 years old at the time of application. 

    Maximum Age 

    The applicant should not be more than 70 years old. 

    Occupation 

    Both salaried and self-employed individuals are eligible to apply. 

    Income Requirement 

    The applicant must have a regular and stable source of income to support repayments. 

    Credit Score 

    A good credit score is preferred, as it improves the chances of approval. 

    Final Approval 

    Eligibility is subject to SBI Card’s internal policies and verification after application. 

    Documents Required to Apply for SimplyCLICK SBI Card

    Given below are the list of documents you need to submit the following documents: 

    Documents Required 

    Details 

    PAN Card 

    Mandatory for identity verification and financial assessment. 

    Address Proof 

    Aadhaar Card (with first 8 digits masked) or any valid government-issued address proof. 

    Income Proof 

    Salaried individuals may need to submit recent salary slips and bank statements, while self-employed individuals may need to provide Income Tax Returns (ITR) or other income documents. 

    Additional Documents 

    Additional documents may be requested depending on the applicant’s profile, eligibility, and SBI Card policies. 

    KYC Compliance 

    All documents must meet KYC requirements; original documents may be required for verification if needed. 

    How to Apply for SimplyCLICK SBI Card Online?

    There are four ways to apply for the SimplyCLICK SBI Card, depending on your convenience:

    Apply Online (Website): This is the fastest and most convenient way to apply, allowing you to complete the entire process digitally from anywhere.

    • Step 1: Visit sbicard.com and navigate to the SimplyCLICK SBI Card page.
    • Step 2: Click on 'Apply Now' and enter your personal, contact, and employment details accurately.
    • Step 3: Upload the required documents such as identity, address, and income proof.
    • Step 4: Review your application, submit it, and complete verification through OTP or KYC as required.

    Apply via Chatbot (ILA): This method provides a guided, interactive experience where the chatbot assists you through each step.

    • Step 1: Visit sbicard.com and open the ILA chatbot window.
    • Step 2: Choose the option to apply for a credit card from the chatbot menu.
    • Step 3: Provide your details step by step as prompted by the chatbot.
    • Step 4: Upload necessary documents if requested and complete the verification process.

    Apply via Helpline: This option is useful if you prefer assistance while applying or have queries during the process.

    • Step 1: Call 39 02 02 02 by adding your city STD code.
    • Step 2: Inform the representative that you want to apply for the SimplyCLICK SBI Card.
    • Step 3: Share your basic personal and financial details as requested.
    • Step 4: Follow the instructions provided for document submission and complete the verification process.

    Apply at SBI Branch: This method is ideal for those who prefer face-to-face assistance and guidance.

    • Step 1: Visit the nearest SBI branch at your convenience.
    • Step 2: Request the SimplyCLICK SBI Card application form from the bank staff.
    • Step 3: Fill in the form with accurate personal, contact, and financial details.
    • Step 4: Submit the completed form along with required documents and complete verification with the bank representative.

    FAQs on SBI SimplyCLICK Credit Card

    1. Are there limits for using a contactless payment with SBI SimplyCLICK credit card?

      Contactless payments are subject to limits of use determined by Reserve Bank of India guidelines on a per transaction basis. If the amount of the transaction exceeds this limit, the cardholder will need to input a pin into the terminal to verify the transaction. 

    2. Where can I see my reward point balance for the SBI SimplyCLICK credit card?

      You will be able to view the balance of your points by signing into your account online or by using the SBI Card App on your phone. 

    3. Do SimplyCLICK SBI rewards points expire?

      Your rewards points may have expiration dates based on the terms and conditions associated with your SBI Card account. Therefore, it is advisable to spend them before they become invalid. 

    4. Can I use SimplyCLICK SBI credit card outside of India?

      You may use your SBI SimplyCLICK credit card at retailers outside of India, provided that the retailer is participating in either the Visa or Mastercard networks. 

    5. What do I do when my SBI SimplyCLICK credit card is lost or stolen?

      If your SBI SimplyCLICK credit card is lost or stolen, you should immediately block access to your account by calling customer service or through an online portal so that no unauthorized transactions can be made against your account. 

    Disclaimer
    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.