If you want a ton of rewards on the money you already spend, then an SBI Credit Card might just be what you want on hand. If you are the type of spender who just uses a credit card as a convenience rather than a need, then you probably aren’t too worried about interest rates, but rather more about what the card is going to give you back.

SBI Credit Cards include a wide range of cards for a variety of needs, but if you’re into rewards then the SBI SimplyClick Card is what you’re going to want to check out. Before going further, just remember that you should evaluate what your personal needs are before applying to any credit card. If you’re in a crunch, then forget about rewards and go for the card that is going to give you low-interest rates and other options like no interest for a set period of time.

You should also think about whether or not an annual fee is going to really effect your bottom line. If you want to be able to get great rates on balance transfers then that is what you should be searching out. Once you know what your needs are, you will be able to find the perfect card for you. Our editors have dived into the details of the SBI SimplyClick Card. You can check out the details so you can make a wise decision of whether or not it is for you.

Interested to have a credit card that provides excellent reward points, exclusive deals and discounts? Then SBI SimplyClick Credit Card is for you. Here's how to apply...

What are the Benefits of a SBI Credit Card?

To help you better appreciate the privileges that come with owning an SBI Credit Card, let’s take a closer look at one of the numerous offerings by this bank. The SBI SimplyClick Credit Card (available in Visa) is great for savvy spenders and new cardholders.

This credit card will give you rewards points. You can gain 10 times the rewards points on online spends with exclusive partners – Amazon, BookMyShow, Cleartrip, Foodpanda, and many more. For all other categories, you will gain 5 times the rewards on other online spends. Here, you can get 1 reward point for every Rs. 100 spent. As part of their welcome gift, you will get an Amazon.in gift card worth Rs. 500 upon joining!

Even better, you will be given access to travel benefits and exclusive discounts you can use when you travel. This includes great deals on flight bookings and domestic hotels and accommodations! You will be given e-vouchers worth Rs. 2,000 when you reach the annual online spend of Rs. 1 Lakh. To help you save with every swipe, this card will also reward you complete fuel freedom. Here, you can enjoy a 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000.

What are the Fees of the SBI Credit Card?

To help you enjoy these benefits, you need to pay fees and charges on regular basis. You’ll be glad to know that there is a joining fee that goes as low as Rs. 499 and an annual renewal fee of Rs. 499.

Other charges you need to pay include the monthly finance charge of 3.35%, a cash advance fee of 2.5% of the traIf younsaction amount (minimum of Rs. 300), a late payment charge ranging from Rs. 100 to Rs. 950, and an over-limit fee of 2.5% of the over-limit amount (minimum of Rs. 500).

Overall, an SBI SimplyClick Credit Card can be a pretty reliable companion when it comes to handling your everyday lifestyle. Aside from getting bonus points, you also get access to exclusive deals. If you think this card might be for you, we’ll get into how you can apply next.

SBI Credit Card

How to Apply for an SBI Credit Card

Ordering an SBI Credit Card has become easier with their online application form. All you need to do is fill out the application form found on their website.

To apply, you need to be at least 21 to 60 years old. You should also have a good credit score and should not be a previous loan defaulter.

Some of the documents you need to present include your proof of identity, proof of billing address, PAN card, ITR or salary slips for the last 2 months, and passport-sized photographs.

If approved, you will be given a credit limit based on your credit score. This can start at Rs. 5,000.

How to Contact SBI Credit Card

Head Office

DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3

DLF Cyber City, Gurgaon – 122002, Haryana, India.

Telephone: 39 02 02 02 or 1800 180 1290

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.