SimplyCLICK Advantage SBI Card – Benefits, Fees & Eligibility

SimplyCLICK Advantage SBI Card

Introduction

The SimplyCLICK Advantage SBI Card is tailored for the modern online shopper, offering accelerated reward points on a wide array of e-commerce platforms, coupled with a valuable welcome gift and milestone e-vouchers. Beyond its strong online shopping benefits, the card provides practical features such as fuel surcharge waivers, contactless payment capabilities, and flexible payment options, making it a well-rounded choice for individuals who prioritize digital transactions and seek to maximize savings on their online purchases.

Welcome Benefits

• Get an Amazon.in gift card worth Rs 500 on joining.

Fees

• Annual Fee: Rs. 499 (one-time)
• Renewal Fee: Rs. 499 per annum (from the second year onwards)
• Spend-Based Waiver: Renewal Fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
• Add-on Fee: Nil
• Fuel Surcharge Waiver: 1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000 (exclusive of GST and other charges).
  • Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account.
• Other Charges: All taxes would be charged as applicable on all fees, interest, and charges. For detailed information regarding fees and other applicable charges, refer to the Most Important Terms & Conditions.

Rewards

• e-Shopping Rewards:
  • Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, Gyftr, IGP, Myntra, Netmeds, Swiggy, Yatra.
  • Earn 5X rewards on all other online spends.
  • Earn 1 reward point per Rs.100 on all other spends.
• Milestone Rewards:
  • Receive e-Vouchers worth Rs 2,000 each on reaching annual online spends of Rs 1 Lakh and Rs 2 Lakh respectively.
  • e-Voucher Brands: Cleartrip / Yatra.
  • e-Voucher details will be sent via SMS to the registered mobile number.

Rewards Redemption Guide

• The webpage mentions "Redeeming Reward Points" as a menu item, but specific redemption steps or a detailed guide are not provided in the available content.

Card Review

Who Should Apply

• This card is ideal for individuals who frequently shop online, especially on partner platforms like Amazon.in, Apollo 24x7, BookMyShow, Cleartrip, Dominos, Gyftr, IGP, Myntra, Netmeds, Swiggy, and Yatra, to maximize reward earnings.
• It's also suitable for those looking for a card with an achievable annual fee waiver and basic benefits like fuel surcharge waivers and easy bill payments.

Pros

• Generous 10X reward points on online spends with exclusive partners and 5X on other online spends.
• Valuable Amazon.in gift card as a welcome benefit.
• Significant milestone e-vouchers (Cleartrip/Yatra) for high annual online spends.
• Annual fee waiver is easily achievable with moderate spending.
• Provides convenience with contactless payment, worldwide acceptance, and add-on card facility.
• Offers financial flexibility through Balance Transfer on EMI and Flexipay options.

Cons

• The fuel surcharge waiver is capped at Rs. 100 per statement cycle.
• Reward points on offline spends are relatively low (1 point per Rs. 100).
• Lacks specific benefits for categories like international lounge access, golf, or comprehensive insurance beyond what might be standard.

Important Product Details

• Contactless Advantage:
  • Daily purchases are made easy by simply waving your card at a secure reader to transact.
  • Offers fast and convenient transactions, eliminating the need to hand over your card or use cash/coins for small purchases.
  • Enhanced security as the card never leaves your hand during a contactless transaction, reducing the risk of card loss and skimming fraud.
  • The unique security key feature of Visa payWave ensures only one transaction goes through, even if the card is waved multiple times.
• Worldwide Acceptance:
  • The SimplyCLICK Advantage SBI Card can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India.
  • Accepted at any outlet that accepts Visa or MasterCard.
• Add-on Cards:
  • Empower your family members (parents, spouse, children, or siblings above 18 years of age) with add-on cards at no additional fee.
• Cash on the Go:
  • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe.
• Utility Bill Payment Facility:
  • Pay electricity, telephone, mobile, and other utility bills conveniently using the Easy Bill Pay facility.
• Balance Transfer on EMI:
  • Save money by transferring outstanding balances from other banks’ credit cards to your SimplyCLICK Advantage SBI Card.
  • Avail a lower rate of interest and pay back in easy monthly installments (EMIs).
  • This service can be utilized by logging into sbicard.com with your user ID and password.
• Flexipay:
  • Convert any purchase of Rs. 2,500 or more into easy monthly installments (Flexipay).
  • To convert a transaction, log in to sbicard.com with your username and password within 30 days of the purchase.

Other Details

• Order of Payment Settlement: All payments made for a cardholder account will be settled in the order mentioned on the SBI Card website.
• Cheque Payments: Cheques payable outside clearing zones are not accepted. Only local cheques or drafts payable in Delhi are accepted.
• Customer Assistance: For assistance, call the SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290.
• Disclaimer: All information provided is subject to change at the discretion of SBICPSL. The Most Important Terms and Conditions are available on www.sbicard.com.
• Contact Address: SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034. CIN: L65999DL1998PLC093849.