SBI SimplyCLICK Card​: Benefits, Fees, Eligibility, and More

Being the largest public sector bank in India, SBI (State Bank of India) offers 25+ different credit cards and has a 19% market share (as of FY25) in terms of total active credit cards in India. 

The SBI SimplyCLICK Credit Card​ is one of the most popular credit cards at SBI that gives you a welcome benefit of a ₹500 Amazon Gift Card. 

Before you apply for this credit card, let us understand the key features, different charges applicable, eligibility, documents and more.

Features and Benefits of SimplyCLICK Credit Card SBI 

• Welcome Gift: SBI SimplyCLICK Credit Card benefits include a welcome gift of an Amazon gift card of ₹500 after the payment of the joining fee of ₹499 + GST.
• Annual Fee Reversal: From the 2nd year onwards, if you spend ₹1 lakh every anniversary year, you will get an annual fee waiver of ₹499.
• Milestone Benefits: By spending ₹1 lakh and ₹2 lakh online (every year) with your SimplyCLICK credit card​, you can get e-vouchers (Cleartrip and Yatra) of ₹2,000.
• Fuel Surcharge Waiver: SBI SimplyCLICK credit card​ offers 1% waiver on fuel surcharge for every fuel transaction between ₹500 & ₹3,000. 
• E-Shopping Benefits: For purchases from partners such as Myntra, Apollo 24x7, Cleartrip, Dominos, Yatra, Netmeds, BookMyShow, etc, you will earn 10X reward points and 5X RP on all other online spends.

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Charges Applicable With SBI SimplyCLICK Credit Card

Though this credit card comes with several attractive offers, you should also understand the charges associated with it:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST 
• Finance Charges: 42% per annum (3.5% every month)
• Late Payment Fees: The late fees depend on the outstanding amount on your credit card:
• NIL for ₹0 - ₹500,
• ₹400 for > ₹500 & < = ₹1000,
• ₹750 for > ₹1,000 & < = ₹10,000,
• ₹950 for > ₹10,000  & < = ₹25,000,
• ₹1,100 for > ₹25,000 & < = ₹50,000,
• ₹1,300 for > ₹50,000.
• Over-limit Transaction Fees: For transactions beyond your available limit in the SBI SimplyCLICK credit card, you have to pay 2.5% of the excess amount or ₹600 (whichever is higher). 

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Eligibility Criteria You Should Meet to Get a SimplyCLICK Card 

• Age Requirement: Your age should be between 21 and 70 years.
• Nationality: Only Indian residents are eligible to apply for the SimplyCLICK Card.
• Income Criteria: A regular source of income is mandatory, with a minimum monthly income usually around Rs. 18,000 (subject to SBI’s internal guidelines).
• Credit Score: A healthy credit score (generally 700 or above) is desirable.
• Other Considerations: SBI also reviews your credit history, repayment patterns, and internal risk assessments.
• Internal Assessment: The bank’s approval process may include additional checks, such as your occupation type and overall financial stability.

Documents Required Before Applying for an SBI SimplyCLICK Credit Card 

• Photo ID Proof: Aadhaar card, PAN card, voter ID, passport, or driving license.
• Provide Proof of Income: Recent 2-3 months’ salary slips, bank statements, or audited financials.
• Present Address Proof: Aadhaar card, latest utility bill (not older than 3 months), passport, or driving license.
• You may need a recent passport-sized photo and Form 16 if requested.
• All documents must be current and valid.

5 Steps to Apply for a New SimplyCLICK Credit Card Online 

• Step 1: Go to the <a href="https://www.sbicard.com/creditcards/app/user/login" target="_blank" rel="nofollow noopener noreferrer">official SBI Card portal</a> and navigate to the "Credit Cards" section to apply for SBI SimplyCLICK credit card.
• Step 2: Browse through the available credit cards and select the SimplyCLICK SBI Credit Card. Click on the "Apply Now" button.
• Step 3: You may be asked to enter certain personal details to check if you meet the eligibility criteria for the card.
• Step 4: Complete the application form with accurate details, including your personal information, contact details, income, and any other relevant information.
• Step 5: Submit digital copies of the necessary documents like identity proof, income proof, and address proof.

After successful submission, you will receive an application reference number via SMS or email. This can be used to track the status of your application.

The SBI SimplyCLICK Credit Card is perfect for online shoppers. It offers 10X reward points on sites like Amazon, BookMyShow, and Swiggy, and 5X points on other online purchases. 

With a low annual fee and a fee waiver facility, you will also get perks like a ₹500 Amazon gift voucher, milestone rewards, and a 1% fuel surcharge waiver. 

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