SBI SimplyCLICK Credit Card Review – Good for Online Spends

By | September 30, 2016

This is a review by our reader SriKrsna who uses SBI SimplyCLICK Credit Card. He had also recently got approved for Amex Membership Rewards Card and you can see his card in that article.

As told, first impression is the best impression. Even-though the piece of plastic (card) that you hold in your hand may be a higher end/ high value card, the way it is been made to look always matters. I would appreciate SBI Card in this because both the cards, the one I had and one I have are always looking good when compared to others. And they are printed/fabricated so good. If will make you feel good in your hand.

Sbi Simplyclick Credit Card

Sbi Simplyclick Credit Card

I was first issued a SBI SimplySAVE card which had 10x rewards on dining/grocery spends. My spends in those categories were never high to earn more reward points. I thought of applying for an another card and I came to know from the customer care executive that a person can hold only one SBI card.

And if wanted to have more than one, he/she can apply for a co-branded SBI card like Air India Signature Card or Air India Platinum Card and such. As I didn’t want an extra one, I was surfing through the SBI card catalogue. I came through SimplyCLICK card which was introduced the next week after my SimplySAVE card approval.

  • Annual Fee: Rs.499+ ST
  • Welcome Gift: Rs.500 Amazon Voucher
  • Renewal fees: Rs.499+ ST (waived off on 1 Lakh INR Spend)

The card comes in two variants Visa Platinum and Mastercard Titanium (I am not sure about Mastercard variant and the information is as available on the internet). Both are international cards and come with cross currency mark up of 3.5%.

BookMyShow Offer: Rs.100 instant cashback on first movie ticket booked on BookMyShow Mobile App for first time BookMyShow users.

Cleartrip Offer:
Rs.700 instant cashback on domestic roundtrip flights worth Rs.5,000 or more booked using Cleartrip Mobile App
Rs.500 instant cashback on domestic roundtrip flights worth Rs..5,000 or more booked using Cleartrip website

Zoomcar Offer:
Rs.600 off on booking Self-Drive Zoomcar worth Rs.2,500 or more with SimplyCLICK SBI Card
(# – Terms and conditions apply and it is found on SBI card website)

SBI SimplyCLICK Credit Card Reward Points:

I looked in it and came to know that the card had tie-ups with many brands for 10x rewards on Rs.100 spends (Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar)
5x rewards on all other online spends for 100INR.
1 reward point on all spends for 100INR.

This card has two milestone spends rewards for every 1 Lakh INR you spend on this card cumulatively upto 2 Lakhs INR.
You will get 2000INR gift voucher from one of their partners that is decided by SBI Card.

I wanted to apply for this card and you have two or more methods to swap your card with new one. After several attempts, my SimplyCLICK card was approved.

It initially had offers like load 150INR into Ola money wallet and get 150INR extra in Ola money wallet and several others from its partners.

I would say that this card is too good for those who always spend online and especially use Amazon.

SimplyCLICK Reward points Redemption:

Consider when you spend 20,000INR cumulatively on amazon you will get 2000 Rewards points, for which you can get Rs.500 Amazon gift voucher from SBI cards.There are many other gift vouchers available on SBI card rewards catalogue but this one has high value of 25 Paise per reward point and can be easily used.
500/20000 = 2.5% returns

You have Rs.1000 Amazon gift voucher for 5700 points. In this case, the value of reward point becomes ~17.5 Paise.

Reward point redemption via gift vouchers with SBI card is not instant and will take around 2-3 working days to get it.

Sbi Reward Point Redemption

Sbi Reward Point Redemption

When comparing with other cards like HDFC Moneyback card,
You will get Rs.1.20 on Rs.150 spend online which is 0.8% returns whereas when you spend with SBI SimplyCLICK you will get:

  • 1.25% returns on regular online spends and
  • 2.5% returns when spending on partner’s site.

As Amazon getting better everyday with new sellers and more products, you can make use of this card to have better returns.

Pro Tip: If you are spending in odd figures on Amazon, I would like to recommend you to buy Amazon gift vouchers for rounded figures, so that you won’t loose reward points while spending. You will get reward points for loading money into gift card too.

CardExpert Rating: 4/5

Getting this card approved is easy for those who stay in metro locations and already have a credit card.

Author: Siddharth

I'm a Credit Card freak minting reward points and cashback for years. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

86 thoughts on “SBI SimplyCLICK Credit Card Review – Good for Online Spends

  1. Kapil Khurana

    Nice to know 2.5% back on Amazon. Please throw some light on joining fee / annual charges and joining perks too

    Reply
    1. Siddharth Post author

      Its Rs.499+tax and you get Rs.500 worth Amazon voucher. Just updated the article as well.

      Reply
      1. Manu

        The card gets free, at only 20000 rupees purchase at the preferred partners..

        For 20 k spend I got value back of 2500 – 500+1500+500..

        Comes to a return of over 12. 5 %.. More than any Card I have till date..

        Reply
        1. Dipesh

          Can you please elaborate your calculations. (where is + 2500, +1500, +500 ) coming for a total spend of 20000 rs

          Reply
  2. Manu

    The master card version also has Lounge access, as told by the customer care
    # I havnt used this yet,

    Reply
    1. MANU KUMAR

      Simply save and Simply click both the cards are almost equally rewarding, the USP of SimplySave is the facility to use reward points for bill payment.

      Reply
  3. Arnab Chaudhuri

    Call this number to check your mastercard credit card airport lounge access eligibility.

    1800 102 6263 or 022-4200 6396

    Reply
  4. mv srinivas

    some of my frens told they had very bad experience with sbi credit card system.
    lik no proper customer support,
    no immediate update after payment of credit card bill ,
    even after paying the bill on time, due to lack of proper update on payment, my frens were charged extra bill for late payment.

    is this going on still?pls clarify

    Reply
    1. Siddharth Post author

      It usually takes 2-3 days for the credit payment to reflect and its normal.

      Reply
      1. Prathamesh Magdum

        Nowdays Payment reflects within 3 banking hours in your SBI Credit Card account.

        Reply
    2. Manu kumar

      The call back facility on Sbi credit card is one of the best currently. They respond within 1 hour maxx after senfing the sms.
      Coming to the billing part, it was pathetic earlier.. I too had a gold coloured basic card in 2012, but not tjings seem seem to have improved… ( last 6 months experience)

      Reply
  5. Manu kumar

    @siddarth what can be a upgrade from Simplyclick, (as my card is 6 months old and has seen good flow)..

    Reply
  6. Ashok

    But Siddharth, Elite card has very huge charges I think like 5000 where as this is 500. Of course, elite gives free movie tickets but RBL Card does give free tickets at just 499 Annual charges.

    I was thinking to upgrade to SBI elite for a while but 5000 charges and not even interesting vouchers – they are giving Jabong or some vouchers not even AMAZON like SimplyClick Card.

    Reply
    1. Siddharth Post author

      Ashok,
      Yes, its all personal preference.
      If you see value in Jabong/other voucher, go for it. Else dont.

      Also, as far as i know, only Elite card has complete free Movie ticket.
      RBL also gives 2 tickets based on spends.

      Reply
  7. Gautam

    Hi, what’s the difference b/w SimplyClick and SimplyClick Advantage ?

    Reply
  8. Ranjith Kumar

    Guys,
    Simply click gives you a more reward points trough online purchase.But when you try to redeem those you face many trouble.It offer me to change only for the vouchers of Amazon or clear trip of 500 Rs.Every redemption they will charge 99rs+Service taxes.So its totally worst. All other SBI credit cards have a cash back offers.But this card only not included.

    Reply
    1. Bibhash

      Redemption fee of Rs99 is not applicable if you take amazon/clear trip voucher. If you get physical gifts that need to be delivered at you home then redemption fee is charged.

      Reply
      1. Praveen Perumalla

        Haven’t tried redeeming yet but can one other person confirm if they charge redemption fee for amazon voucher?

        Reply
        1. Srikrsna

          No redemption charges for e-vouchers. I have redeemed and I wasn’t charged extra for that.

          Reply
  9. Mahendra Kumar

    Hi Siddharth,

    I have two queries.

    1. I am using HDFC Regalia currently and very happy with that. Planning to upgrade to diners’ club Premium( for 10X reward points). What is the counter credit card for Regalia from SBI card?

    2. I took TATA – SBI Card. I am not using it for 4 years. It is inactive not(Despite several requests, not was not closed). Am I eligible to take another card from SBI?

    One suggestion for website improvement. After you have replied to queries. I ( As a user) am not gettings alerts. I need to search for the post and see the answers (I knew, within a day query will be answered). I would be good if I get email alerts for your answers.

    Reply
    1. Siddharth Post author

      Thanks for your suggestions, will look into it.
      1. SBI Elite card
      2. Only one IT based card can be availed from SBI

      Reply
  10. manu

    1% Forex Markup on this card now till 31 jan 2017

    this low markup fee for this basic card makes it a awesome card

    Reply
  11. Mukarram

    Hi Siddharth,
    Thanks for the information you shared.
    Can i pay payment through paypal from this SBI SimplyCLICK Credit Card? or if you can suggest me any other credit card which can be acceptable on international payments (basic credit card only as i dont have huge balance in my account πŸ™
    my requirements are not very high i just need to pay maximum Rs 10,000/- mostly from paypal… Do you have any solution for me ?

    Thanks a lot for all your support

    please reply

    Reply
    1. Siddharth Post author

      Hey,
      You can very well use this card for international payments on Paypal πŸ™‚

      Reply
  12. sheik

    i have regalica card from HDFC which highend card. if i get SBI simply SAVE/CLICK card will be useful for me? i see flipkart/amazon offerings SBI as well during festival sale. Thought of having one.

    Reply
  13. Sourabh

    Hi Sid,
    I have 3 credit card as of now :
    1. Axis Neo Credit Card
    2. SBI Simply Click
    3. HDFC Money Back
    I just wanted to know to which cards I should upgrade my existing cards? And which new card I should apply for getting maximum benefit.

    Reply
  14. Rahul

    I am confused between SBI SIMPLY SAVE and SBI VISA PLATINUM CARD
    kindly help me out as i am eligible for both the cards guide me which 1 shall i go

    Reply
  15. Shrey

    Hi Sid,

    One question – I do a lot of expenditure on the food apps like swiggy, Foodpanda, etc. So which card would be better for me – Simplyclick or simplysave?

    Reply
  16. Ankit Nagpal

    If I buy any item on PayTM using SBI SimplyCLICK Credit Card, then will it be covered in 5X rewards point on online spend? And if I load my PayTM wallet to pay for Uber etc. which in not PayTM product but use PayTM as a payment method for non-PayTM product. Then will it count as 5X reward point for online spend?

    Reply
    1. Ashwin

      Any payment made through any online payment gateway will give 5X reward point.

      Reply
  17. Parimal

    Hi, first thanks alot for running this informative site, i have few questions regarding this card and also hope it will solve queries of many other peoples too.

    1. What is difference between simply click and simply click advantage cards?
    2. If use simplyclick card for PayPal, will it covered in 5x rewards points?
    3.i have simplysave card from last 2 month with 83k limit, is there any way to exchange it with simply click card?

    Just for information: i called sbi to redeem 2000 point on simply save card as cashback, executive over call told me that 99+tax for redeem charge for cashback. I still requested to redeem, will see they charge any fees or not.

    Reply
  18. Vinamra Jain

    Read on website Rs99+st will be charged for each redemption.
    Is it applicable for simply click also.

    Reply
    1. Parimal

      Update: redemption fee of 99+tax has be reversed automatically after 4-5 days, my friend also got refund of fees automatically in same simply save card

      Reply
  19. Shrey

    Hi Sid,

    I applied for this card and it got declined. I got an SMS later from SBI saying “we regret to inform you that since you do not have sufficient CIBIL credit history, we are unable to issue a credit card to you at this time”.

    I was wondering what they mean by sufficient CIBIL credit history? I checked my CIBIL score using the link on your other post and was 776 which I think is a good enough score for this card.

    Reply
    1. Siddharth Post author

      Depends on various factors as well, like if the # of loans or age of report is less, they might deny too.

      Reply
      1. Shrey

        Just 4 credit cards on my report. One actually came on the report after they made the inquiry on CIBIL.

        Reply
    2. Captain Bishuddha Bharatiya

      Same message they send to me. I never had any defaults . I applied for card on card basis ( 1.5 lakhs limit ) and my CIBIL was 769. Guess they need more than 800 .

      Reply
      1. s

        HI
        Shrey
        Captain Bishuddha Bharatiya
        What is age of your credit history ?
        Freind SBI CC got approved CIBIL score was below 800

        Reply
        1. Shrey

          Got this card finally a week back. They had setup a counter in a mall where they took details of a credit card which I had been using for more than 6 months and they immediately told me the card has been approved. Quite fast in their processing and delivered the card to my place in 7 days.

          Reply
        2. Captain Bishuddha Bharatiya

          My CIBIL had a history of 19 months at that time.

          Reply
  20. Praveen Perumalla

    Today, I did an online transaction for Rs.20 and within the next 2 mins, I got a call from SBI to confirm if this is a genuine transaction. I was stumped at their speed for a such small transaction value.

    Reply
  21. Parimal

    I called sbi to change my simply save card to simply click card about 18 days ago, also applied simply click card online same time, dont know which method worked but i got new simply click card today at home, simply save card was my first card with sbi and got it just 2 month ago, i am happy to get it changed to simply click card, limit is same as before (83k), no verification calls received till card arrived home, just got welcome email from sbi 3 days ago for simply click card, i live in small village near surat city.

    Reply
  22. anshul

    Hey Sid,

    can you pls suggest is there any issue redemption the cashback points through simply click card ?

    and which is better simply click or simply save.. considering major spent on online transactions.

    Reply
    1. Siddharth Post author

      Its easy.
      Simply Click is good for Online txn’s

      Reply
      1. Rachna

        The simply click card website says “10X” rewards but unlike HDFC Diners where you get 10 times the rewards points, this card doesn’t do that. The “X” is only for misguiding the applicants. Can you suggest an escalation route other than writing to their customer care?

        Reply
        1. Siddharth Post author

          They’ve an escalation system. Just a Google search away.

          Reply
        2. MANU KUMAR

          The value of x is 1 here.. For swiping the cards stores you get 1 point per hundred, for online spends 5 points per hundred, and 10 points for spending on partners..

          Hope this clears your issue..

          Reply
  23. Ashwin

    SId

    Can a person hold 2 SBI cards? I already have simply click, Can I also hold IRCTC credit card?

    Reply
    1. Siddharth Post author

      One FD based, and one IT based card can be availed per person.

      Reply
  24. Arth

    Hi Sid
    Any knowledge how SBI process new application ? Friends applied on card on card basis strangely SBI approved only 45% of currant CC credit limits another got 2X credit limits, both don’t have any relationship with SBI , though CIBIL score is almost same !

    Reply
    1. Siddharth Post author

      It also depends on the current/past credit line the person is exposed to.

      Reply
  25. Alisha

    Hi Sid,

    As mentioned above there is a fee deducted when redemption is done for SimplyClick card. Any suggestions on how to avoid any fee deductions? I don’t want any vouchers. Also what will be the credit limit for this card?

    Reply
    1. Siddharth Post author

      1. avoid any fee deductions – I doubt
      2. Also what will be the credit limit for this card? – usually 2X-3X your monthly take home

      Reply
  26. Rahul Kashyap

    Sbi elite is only good fr spends of 8lkh plus.
    Sbi platinum is good, but renewal is only on soending 2lkh
    Simply click and simply save are 2 good cheap cards, with 2.5% reward on online partners and dining, grocery respectively at only rs 500, so better than regalia which is only 1.6%, that too on flights and recharge only.

    Reply
  27. Ajay

    1.I purchased this card on Jan and already paid the initial joining fee with tax and outstanding for the month of Feb and March…I still didn’t receive the Amazon joining voucher. When will I get it?

    2. Does the 99rs charge applicable even on Amazon and Cleartrip vouchers? Is there any voucher for more than 500?

    3. Is there any way to reduce the credit limit for the existing card? For eg from 2 lac to 1 lac etc

    4. If I pay credit card bill through debit card will I be charged? And will I get reward points for the amt paid on debit card a/c?

    Reply
    1. Siva

      To answer your first question, I have received my Simplyclick card in last week of February. I received the Amazon coupon code in first week of April. I was able to add it to my amazon pay balance immediately.

      To answer your last question, you can’t pay credit card bills with debit card. Only through cash/cheque/DD/netbanking/NEFT (afaik) etc can you pay the bills.

      Reply
  28. Madhuri Bharatiya

    My salary is Rs. 22,000 per month and my husband’s income is Rs. 27,000. We applied for simply click at the same day and my application got approved and my husband’s application got rejected. I got Rs. 70,000 limit and they did’t even took my salary slip. Amazing SBI.

    Reply
  29. Arindam datta

    I have applied for sbi simply click credit card.i have send my application form to their mailing address.my gross salary is 40and soing govt job.how much time and how much credit limit should i expect from??and one more thing,how much time it is needed to process the application form after they receive the hard copy??

    Reply
  30. Arindam datta

    If have applied for sbi simply click credit card.i have send my application form to their mailing address.my gross salary is 40and soing govt job.how much time and how much credit limit should i expect from??and one more thing,how much time it is needed to process the application form after they receive the hard copy??

    Reply
  31. Arindam datta

    Someone please do reply if you have any idea..

    Reply
    1. Madhuri Bharatiya

      You should receive the card ( if CIBIL is good ) within 25 working days. You can expect anywhere between Rs. 40,000 to Rs. 1.5 lakhs credit limit. Please inform us if you get approved.

      Reply
  32. Rahul

    I have also applied online for SBI Simply Click Credit Card. They send their agent to my office and only collected photo, PAN and Aadhar Card and approved it. They didn’t ask me for salary slip or Employee ID.

    Reply
  33. Kapil Mehta

    On simply click SBI ATM card, can add paytm wallet balance count under 1 lac spending for renewal fee of rs 499 waived and getting evoucher/reward points

    Reply
  34. Arindam datta

    I have sent application form twice.1st time thruogh nirmal post and 2nd time via courier.but both the time they are telling that they didnt receive the applcation form.but the courier tracking system is showing that the application form has delivered on 1st june.i cant understand why they are not processing my application form.?

    Reply
  35. Rahul

    If i dont wanna amazon voucher the simply save is good as it can adjust against bill
    One mpre doubt if i hv 500 rs voucher and i am buying 300 rs item on amazon the 200 remain or full voucher will be utilised

    Reply
  36. riaz

    Hi sid,
    I have applied for sbi click credit card.

    While checking status online, first it shows like
    “your card has been approved. You’ll receive it in next 10 working days” now “your sbi card application is in progress. we will get back to you soon.”

    Could you please clarify me why it is happening?

    Will my application got rejected?

    Reply
  37. Parag

    Are there only two options to redeem the points i.e. Amazon & Cleartrip gift voucher ?

    Also these two options are not available for the last few days. The redemption catalogue is completely empty.

    Reply
  38. Prashant Gupta

    Considering If one does Rs.1L spend the returns are Rs.2000 voucher + Rs.1250 (considering 5X spends)=Rs.3250 i.e.>3%. What vouchers are given for Rs.2K. Has anyone received them yet. I am planning to apply for this card.

    Reply
    1. amit

      I received 2000rs cleartrip voucher for 1lac spend redeemable on flight and hotel booking.

      Reply
      1. Sanjay

        Can you tell me what is the validity of these vouchers? One year or less?

        Reply
  39. Santosh

    I recently applied for RBL Titanium delight credit card my CIBIL score is 762 but still my application was not approved. I want to apply for SBISimply click credit card. I want to know is it good to apply now or should I wait for few months as my previous application with RBL was not approved. After how many months will it be safe to apply. And by how much CIBIL score is decreased if an enquiry is made by any financial institution?

    Reply
    1. Prashant Gupta

      You can apply with this cibil score for simply save card. For higher level card you need more cibil score.

      Reply
  40. shibu mathew

    Sir,
    I am holding SBI simply click card. How many days will it take for the reward points to get credited into the account once we have done some purchase . whether the reward points get credited instantaneously or will it take some days.

    shibu

    Reply

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