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Features of SBI SimplyCLICK Credit Card

  • Welcome Gift: Amazon gift voucher worth ₹500 on payment of the annual fee of ₹499 + taxes.
  • Reward Points: 10X Reward Points on online spends with exclusive partners (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Yatra) per ₹100 spent (2.5% reward rate). 5X Reward Points on all other online spends per ₹100 spent (1.25% reward rate). 1 Reward Point per ₹100 spent on offline spends (0.25% reward rate). Maximum cap of 10,000 Reward Points per month on 5X and 10X bonus points.
  • Reward Redemption: Redeem points for e-vouchers, products, or statement credit (1 Reward Point = ₹0.25) via SBI Card website or mobile app; ₹99 redemption fee applies.
  • Milestone Benefits: Cleartrip/Yatra e-voucher worth ₹2,000 on annual online spends of ₹1 lakh. Additional Cleartrip/Yatra e-voucher worth ₹2,000 on annual online spends of ₹2 lakh.
Credit Card Promotion
    • Annual Fee Reversal: ₹499 annual fee waived in the subsequent year on spending ₹1 lakh annually.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle (excluding GST and other charges).
    • Contactless Payments: Secure and fast transactions by waving the card at compatible readers for small-ticket purchases.
    • Global Acceptance: Accepted at over 24 million outlets worldwide, including 3,25,000 in India, on the Visa network.
    • Add-On Cards: Available for family members (parents, spouse, children, or siblings above 18) with the same credit limit as the primary cardholder.
    • Cash Withdrawal: Access cash from over 1 million Visa/MasterCard ATMs globally (2.5% fee or minimum ₹500 per withdrawal).
    • Balance Transfer: Transfer outstanding balances from other credit cards to the SimplyCLICK card at a lower interest rate, repayable in EMIs (1.5% or ₹199 processing fee, 0.75% monthly interest for 3 months).
    • Flexipay: Convert transactions of ₹2,500 or more into EMIs within 30 days (1% processing fee up to ₹2,000; tenor options: 3, 6, 9, 12, 18, 24 months).
    • Easy Bill Pay: Pay utility bills (electricity, telephone, mobile, etc.) seamlessly via auto-pay or fast-pay facilities.
    • Foreign Currency Transaction Fee: 3.5% of the transaction amount for international purchases.
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Benefits of SBI SimplyCLICK Credit Card

  • Welcome Benefit: ₹500 Amazon gift voucher on payment of the joining fee (₹499 + taxes).
  • Accelerated Reward Points: 10X Reward Points on online spends with select partners (2.5% value). 5X Reward Points on all other online spends (1.25% value). 1 Reward Point per ₹100 on offline spends (0.25% value). Capped at 10,000 bonus points monthly for 5X and 10X categories.
  • Reward Redemption Flexibility: Redeem points for e-vouchers, merchandise, or statement credit (1 Point = ₹0.25) via SBI Card website or app; ₹99 fee per redemption.
    • Milestone Rewards: ₹2,000 Cleartrip/Yatra e-voucher on ₹1 lakh annual online spends. Additional ₹2,000 Cleartrip/Yatra e-voucher on ₹2 lakh annual online spends.
    • Annual Fee Waiver: ₹499 annual fee reversed in the next year on spending ₹1 lakh annually.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions (₹500–₹3,000), up to ₹100 per billing cycle (excluding GST).
    • Contactless Convenience: Fast, secure payments for small transactions using contactless technology.
    • Global Usability: Accepted at over 24 million Visa outlets worldwide, including 3.25 lakh in India.
    • Add-On Cards: Free add-on cards for family members (parents, spouse, children, siblings above 18) sharing the primary card's limit.
    • Cash Access: Withdraw cash from over 1 million Visa/MasterCard ATMs globally (2.5% fee, minimum ₹500).
    • Balance Transfer on EMI: Transfer other credit card balances to the SimplyCLICK card at reduced interest rates (1.5% or ₹199 processing fee, 0.75% monthly interest for 3 months).
    • Flexipay Option: Convert purchases of ₹2,500+ into EMIs within 30 days (1% processing fee up to ₹2,000; tenors: 3, 6, 9, 12, 18, 24 months).
    • Utility Bill Payments: Simplified bill payments (electricity, mobile, etc.) via auto-pay or fast-pay options.
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How to Apply for SBI SimplyCLICK Credit Card

  • Step 1: Check Eligibility
    Ensure you meet basic criteria:
    Age: 21-70 years for primary cardholders.
    Stable income source (₹20,000-₹25,000 monthly for salaried).
    Good credit score (preferably 750+).
    Indian resident with verifiable address.
  • Step 2: Gather Required Documents
    Identity Proof: PAN Card, Aadhaar, Passport.
    Address Proof: Utility bill, bank statement.
    Income Proof: Salary slips, ITR, Form 16.
    Photograph: Recent passport-sized photo.
  • Step 3: Choose Application Mode
    Online:
    Visit SBI Card website (https://www.sbicard.com).
    Fill online form and upload documents.

    Offline:
    Visit nearest SBI branch with all documents.
    Meet with credit card counselor for guidance.

  • Step 4: Submit Application
    Submit completed application form with all documents.
    Pay processing fee if applicable.
    Receive acknowledgment receipt for tracking application status.
  • Step 5: Document Verification
    Bank verifies personal and financial documents.
    May contact employer for income confirmation.
    Credit assessment conducted.
  • Step 6: Card Approval
    Receive approval notification if successful.
    Review terms including credit limit and fees.
    Accept terms to proceed with card issuance.
  • Step 7: Card Delivery
    Card dispatched to registered address.
    Activate card via SBI Card Net Banking or mobile app.
    Set PIN for secure transactions.

Eligibility Criteria for SBI SimplyCLICK Credit Card

  • Age:
    • Primary cardholder: 21–70 years.
    • Add-on cardholder: Above 18 years.
  • Income:
    • Salaried: Minimum ₹20,000–₹25,000 monthly income.
    • Self-employed: Minimum ₹4–6 lakh annual income.
  • Employment Status:
    • Salaried: Minimum 6 months with current employer.
    • Self-employed: 1–2 years business continuity.
  • Credit Score:
    • Preferably 750+ (CIBIL or equivalent)
    • No recent defaults, write-offs, or settlements.
  • Residential Status: Must be an Indian resident with verifiable address.
  • Existing Bank Relationship:
    • Existing SBI savings/current account holders may receive pre-approved offers.
    • Long-standing customers often enjoy faster processing.
  • Debt Obligations:
    • Low debt-to-income ratio preferred (total EMIs + rent < 50% of income).
    • No more than 2–3 active credit cards recommended.
  • Documentation:
    • PAN Card (mandatory for all applications)
    • Address Proof (Aadhaar, utility bill not older than 3 months, etc.).
    • Income Proof (latest salary slips + Form 16 for salaried; last 2 years’ ITR + bank statements for self-employed).
  • Application Channel:
    • Online: Via SBI Card website or mobile app with e-KYC..
    • Offline: Submit form at nearest SBI branch.
  • Verification & Approval:
    • Tele-verification and/or video KYC may be conducted.
    • Physical address verification in select cases.
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Documents Required for SBI SimplyCLICK Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Bank Statement
  • Income Proof:
    • Salaried: Latest 1-2 salary slips, Form 16, or 3 months bank statement
    • Self-employed: 1-2 years ITR, 3-6 months bank statement
  • Photograph: Recent passport-sized color photograph

Factors Affecting SBI SimplyCLICK Credit Card Approval

  • Credit Score: Preferably 750+ (CIBIL or equivalent); lower scores may face rejection.
  • Income Level: Stable income meeting minimum thresholds (₹20K-₹25K monthly for salaried).
  • Employment Status: Salaried (6+ months with employer) or self-employed (1-2 years continuity).
  • Existing Debt: High debt-to-income ratio may reduce approval chances.
  • Documentation: Complete and accurate documents speed up processing.
  • Credit History: No defaults, settlements, or frequent late payments.
  • Residential Status: Must be Indian resident with verifiable address.
  • Existing SBI Relationship: Account holders may have advantage.
  • Verification Process: Accurate contact details crucial for tele-verification.
  • Age Considerations: Applicants must be between 21 to 60 years old for eligibility.
  • Application Timing: Applying during promotional offers may increase approval chances or provide added benefits, such as lower fees or waived joining charges.

Frequently Asked Questions (FAQs)

What is the SBI SimplyCLICK Credit Card?
The SBI SimplyCLICK Credit Card is an entry-level credit card designed for online shoppers, offering accelerated reward points (up to 10X) on online spends, milestone benefits, and a low annual fee of ₹499 (waivable). It is ideal for young professionals and frequent e-commerce users.
Who is eligible to apply for the SBI SimplyCLICK Credit Card?
Age: 21–70 years for primary cardholders; 18+ for add-on cardholders. Income: Stable income (approximately ₹20,000–₹25,000 monthly for salaried; ₹4–6 lakh annually for self-employed, subject to SBI's discretion). Credit Score: Preferably 750+ (CIBIL or equivalent); lower scores or no credit history may be considered with strong income proof. Residency: Must be an Indian resident with a verifiable address in a serviceable city. Employment: Salaried (6+ months with employer) or self-employed (1–2 years business/profession).
What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter's ID, or Driving License. Address Proof: Aadhaar, Utility Bill (not older than 3 months), Passport, or Bank Statement. Income Proof: Salaried: 1–2 months' salary slips, Form 16, or 3 months' bank statement. Self-employed: 1–2 years' ITR, 3–6 months' bank statement, or audited financials. Photograph: Recent passport-sized color photograph. Additional documents (e.g., business proof or credit card statements) may be requested.
How can I apply for the SBI SimplyCLICK Credit Card?
Online: Via www.sbicard.com or third-party platforms (e.g., BankBazaar, Paisabazaar). Fill the form, upload documents, and complete e-KYC. Offline: Visit an SBI branch, submit the application form with documents, or contact customer care (1860 180 1290 or 39 02 02 02). Track application status on the SBI Card website or app using the application/reference number.
What is the joining and annual fee for the card?
Joining Fee: ₹499 + GST (one-time, on card issuance). Annual Fee: ₹499 + GST (from the second year). Waiver: Annual fee is waived for the next year if annual spends reach ₹1 lakh.
What is the welcome benefit of the SBI SimplyCLICK Credit Card?
You receive a ₹500 Amazon gift voucher upon payment of the joining fee (₹499 + GST), credited after the first transaction or fee payment.
How does the reward points system work?
10X Points: On online spends with partners (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Yatra) per ₹100 spent (2.5% reward rate). 5X Points: On all other online spends per ₹100 spent (1.25% reward rate). 1 Point: On offline spends per ₹100 spent (0.25% reward rate). Cap: Maximum 10,000 bonus points per month for 5X/10X categories. Redemption: 1 Point = ₹0.25 for e-vouchers, merchandise, or statement credit via SBI Card website/app; ₹99 redemption fee applies.
What are the milestone benefits?
₹2,000 Cleartrip/Yatra e-voucher on ₹1 lakh annual online spends. Additional ₹2,000 Cleartrip/Yatra e-voucher on ₹2 lakh annual online spends.
Does the card offer a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per billing cycle (excluding GST), at any petrol pump in India.
Can I use the card for international transactions?
Yes, the card is accepted at over 24 million Visa outlets worldwide. A 3.5% foreign currency transaction fee applies to international purchases.

List of SBI SimplyCLICK Credit Card AP Branches

  • Adoni (G H Road Branch)
  • Anantapur (Ananthapur Main Branch)
  • Bhimavaram (Bhimavaram Branch)
  • Chilakaluripet (Chilakaluripeta Branch)
  • Chittoor (Chittoor Main Branch)
  • Gooty (Gooty Branch)
  • Gudivada (Gudivada Branch)
  • Guntakal (Guntakal Branch)
  • Guntur (Guntur Main Branch)
  • Kadapa (Kadapa Main Branch)
  • Kakinada (Kakinada Main Branch)
  • Kandukur (Kandukur Branch)
  • Kavali (Kavali Branch)
  • Kurnool (Kurnool Main Branch)
  • Machilipatnam (Masulipatnam Branch)
  • Madanapalle (Madanapalle Branch)
  • Nandyal (Nandyal Main Branch)
  • Narasaraopet (Narasaraopet Branch)
  • Nellore (Nellore Town Branch)
  • Ongole (Ongole Main Branch)