SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card facilitates those who shop online in a frequent manner. The SBI SimplyCLICK Credit Card offers some bonus rewards and benefits when the card holders complete online transactions. The rewards are accrued especially when the card holder shops from partner brands like Amazon, Book My Show,Net Meds, Clear Trip, Lenskart, Dineout and more. 

  • Sure Card
  • SBI SimplyCLICK Credit Card
Features Sure CardSBI SimplyCLICK Credit Card
Features
EligibilityEveryone 18+18-60 years age group. Salaried and Self-employed. For salaried people, the minimum income requirement is 20,000 per month. For self-employed people, the minimum income requirement is 30,000 per month.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Annual FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of Rs. 500 - Rs. 3000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.1 reward point per Rs 100 on all other spends. 10x rewards on online spends with exclusive partner brands like Amazon, Apollo 24x7, ClearTrip, Book My Show, Dineout, Lenskart, NetMeds. 5x rewards on all other online spends. Amazon.in gift voucher worth Rs. 500 on payment of joining fees.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Transaction.
CommunityYesNo
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SBI SimplyCLICK Credit Card vs. SURE Card

The  SBI SimplyCLICK Credit Card offers milestone benefits like an e-voucher worth Rs. 2000 on annual online spends of Rs. 1 lakh and an e-voucher worth Rs. 2000 on annual online spends of Rs. 2 lakhs. The  SBI SimplyCLICK Credit card also provides an annual fee reversal if the card holder has a spending of Rs. 1,00,000.

The  SBI SimplyCLICK Credit Card is well suited for online shoppers, especially pertaining to brands like Lenskart, Urbanclap, Dineout etc. However, it might not favor retail shoppers and the rewards on retail spends other than the partner brands are relatively lower in comparison. SURE Card, on the other hand, provides 10 reward points per Rs. 100 spent anywhere, not limited to particular brands.

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