एसबीआई सिम्पलीक्लिक क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Flagship digital lifestyle credit card offering 10X rewards on Amazon, Swiggy, Cleartrip, BookMyShow, and ₹4,000 in milestone travel vouchers.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI SimplyCLICK is India's flagship starter card for digital natives, online shoppers, and e-commerce enthusiasts. Tailored for frequent purchasers on Amazon, Swiggy, Myntra, and BookMyShow, it delivers high reward multipliers (up to 10X points) on online merchant checkouts for a modest ₹499 annual fee.
Amazon.in e-Gift Voucher worth ₹500 sent to registered mobile number within 21 days of paying the joining fee.
No complimentary airport lounge access.
1% fuel surcharge waiver for transactions between ₹500 and ₹3,00,0 (maximum ₹100 per statement cycle).
Cleartrip or Yatra e-voucher worth ₹2,000 on reaching annual online spends of ₹1,00,000; an additional ₹2,000 e-voucher on reaching ₹2,00,000 annual online spends (up to ₹4,000 in milestone vouchers yearly).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried individuals and Self-Employed professionals. Minimum age is 21 years (maximum 70 years). Stable monthly income required.
न्यूनतम वार्षिक आय आवश्यकता
₹3,00,000 per annum (Salaried) / ₹4,80,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (mandatory) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Accumulated 10X and 5X reward points are subject to a combined cap of 10,000 points per calendar month. No domestic or international lounge access. Redemptions incur a ₹99 + GST processing fee. Government payments and rent payments are completely excluded from earning rewards.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI SimplyClick Credit Card. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on SBI SimplyClick Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for outstanding above ₹50,000 (+ 18% GST).. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum) calculated from the transaction date on unpaid balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI SimplyClick Credit Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI SimplyClick Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10X earns 2.50% effective value back; 5X earns 1.25% value back. Please note: Reward points expire 24 months (2 years) from the date of accrual.
What is the interest-free grace period on SBI SimplyClick Credit Card and how does it work?
The interest-free period on SBI SimplyClick Credit Card is 20 to 50 days (provided previous month total outstanding is cleared in full by the due date).. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum) calculated from the transaction date on unpaid balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.