State Bank of IndiaSimplyCLICK Advantage SBI Card – Benefits, Fees & Eligibility
Is the SimplyCLICK Advantage SBI Card Right for You?
The SimplyCLICK Advantage SBI Card is best suited for users who prioritize Shopping, Movies, Dining. With a joining fee of ₹499 + GST and a renewal fee of ₹499 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 10X Reward Points on online spends with exclusive partners; 5X on other online spends; 1 RP per Rs. 100 on other spends..
Key Card Details
₹499 + GST
₹499 + GST
Reward Points
Earn 10X Reward Points on online spends with exclusive partners; 5X on other online spends; 1 RP per Rs. 100 on other spends.
Notable Perks
Welcome Offer
Get an Amazon.in e-Gift Card worth Rs. 500 on payment of the Annual Fee.
Spend-Based Waiver
The Renewal Fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Fuel Surcharge Waiver
1% waiver on transactions between Rs. 500-3,000, max Rs. 100 per statement cycle.
Things to Consider
Reward points earning rate is significantly lower for offline transactions.
The maximum fuel surcharge waiver is capped at Rs. 100 per month.
Specific details on general reward point redemption are not clearly outlined.
Benefits & Features
Welcome Offer
Get an Amazon.in e-Gift Card worth Rs. 500 on payment of the Annual Fee.
Rewards Rate
Earn 10X Reward Points on online spends with exclusive partners; 5X on other online spends; 1 RP per Rs. 100 on other spends.
Reward Type
Reward Points
Reward Redemption
E-Vouchers received as milestone benefits are for Cleartrip and Yatra. General reward point redemption not specified.
Fees & Charges
Joining Fee
₹499 + GST
Renewal Fee
₹499 + GST
Spend-Based Waiver
The Renewal Fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Fuel Surcharge Waiver
1% waiver on transactions between Rs. 500-3,000, max Rs. 100 per statement cycle.
Pros & Cons
Pros
Key benefits and features of this card.
Excellent reward points program for online shopping, especially with partner brands.
Significant milestone e-vouchers worth Rs. 2,000 each on reaching spend targets.
Annual fee waiver is easily achievable with moderate yearly spending.
Provides a valuable Amazon.in e-Gift Card as a welcome benefit.
Offers a 1% fuel surcharge waiver, adding to everyday savings.
Cons
Key drawbacks and limitations of this card.
Reward points earning rate is significantly lower for offline transactions.
The maximum fuel surcharge waiver is capped at Rs. 100 per month.
Specific details on general reward point redemption are not clearly outlined.
Lacks premium travel or lounge access benefits often found on other cards.
The card's benefits are heavily skewed towards online spending, limiting broader utility.
Product Details
Contactless payment feature for effortless and secure everyday transactions.
Globally accepted at over 24 million outlets, including 3,25,000 in India.
Cash withdrawal facility from over 1 million Visa or MasterCard ATMs worldwide.
Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs with Flexipay.
Add-on cards available for family members (parents, spouse, children, or siblings above 18).
Utility bill payment facility using the Easy Bill Pay service.
Option to transfer outstanding balances from other banks’ credit cards to this card.
A secured card variant named 'Advantage' is also offered by SBI Card.
Benefits & Features
Welcome Offer
Get an Amazon.in e-Gift Card worth Rs. 500 on payment of the Annual Fee.
Rewards Rate
Earn 10X Reward Points on online spends with exclusive partners; 5X on other online spends; 1 RP per Rs. 100 on other spends.
Reward Type
Reward Points
Reward Redemption
E-Vouchers received as milestone benefits are for Cleartrip and Yatra. General reward point redemption not specified.
What matters, explained clearly
Introduction
The SimplyCLICK SBI Card, issued by SBI Card, is an entry to mid-range credit card primarily designed for online shoppers. Its key differentiating benefits include earning 10X Reward Points on online spends with exclusive partners, receiving e-Vouchers worth Rs. 2,000 each on achieving annual online spend milestones of Rs. 1 Lakh and Rs. 2 Lakhs, and an annual fee reversal based on spending. The card aims to make online shopping more rewarding through its robust rewards program.
Welcome Benefits
- Get an Amazon.in e-Gift Card worth Rs. 500 on payment of the Annual Fee.
Fees
- Joining Fee: Rs. 499 + taxes
- Renewal Fee (per annum): Rs. 499 + taxes from the second year onwards.
- Spend-Based Waiver: The Renewal Fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
- Add-on Card Fee (per annum): Nil
- Fuel Surcharge: Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India. The maximum waiver is Rs. 100 per statement cycle, per credit card account.
Rewards
- E-Shopping Rewards:
- Earn 10X Reward Points on online spends with exclusive partners: Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq.
- Earn 5X Reward Points on all other online spends.
- Earn 1 Reward Point per Rs. 100 on all other spends.
- Milestone Benefits:
- E-Vouchers worth Rs. 2,000 each on reaching annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs respectively.
- E-Voucher Brands: Cleartrip, Yatra.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India. The maximum waiver is Rs. 100 per statement cycle, per credit card account.
Rewards Redemption Guide
- E-Vouchers received as milestone benefits are for Cleartrip and Yatra. Details on how to redeem general reward points are not explicitly provided.
Important Product Details
- Contactless Advantage: Tap & Pay for effortless and secure everyday payments. Your card stays in your hand, and Visa PayWave’s security key ensures only one transaction is processed even if tapped multiple times.
- Global Acceptance: Accepted at over 24 million outlets globally, including 3,25,000 outlets in India. Can be used at any outlet that accepts Visa / Master Card.
- Cash Access Across the World: Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe.
- Flexipay EMI: Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs.
- Add-on Cards: Empower family members (parents, spouse, children, or siblings above 18) with add-on cards.
- Utility Bill Payment Facility: Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
- Balance Transfer on EMI: Transfer outstanding balances from other banks’ credit cards to your SimplyCLICK SBI Card at a lower interest rate and repay in easy EMIs.
- A secured card variant named 'Advantage' is also available.
Other Details
- For detailed Terms and Conditions regarding welcome gifts, reward points, Cleartrip/Yatra vouchers, and other fees and charges, refer to the respective links provided by SBI Card.
- The card can be used internationally.
- Application for the card can be done via the SBI Card Website, Chatbot ILA, SBI Card Helpline (39 02 02 02, prefix city STD code), or by visiting the nearest SBI branch.
- Information regarding Digital Membership Kit, Order of Payment Settlement, and Most Important Terms & Conditions is available via provided links.