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

A Credit Card freak minting reward points and cashback for years, started adding Airmiles in recent times. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

140 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. DC Nautiyal

        I have a centcard. Payment confirmation and amended credit limit etc are reflected instantaneously.

        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
    1. WR

      SimplyClick: Finance charges: Up to 3.35% per month, accounting to 40.2%
      SimplyClick Advantage: Finance charges: 2.50% per month, accounting to 30%

      Subtle, but, a big difference indeed.

      Sadly, there’s no direct way to apply for the SimplyClick Advantage card online. The ‘apply’ link on the “SimplyClick Advantage” page opens up the good-old “SimplyClick” application.
      Above that, there’s no explicit mention about the eligibility criteria as well, but I guess, it is provided by the bank staff, against an existing FD/savings account. Not sure though…

      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 🙁
    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 🙂

      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
      1. Ankleshwar

        Hi Siddharth,

        I am new to this in India and was unsure what you mean by an IT card? Which SBI cards are IT based cards? Thanks.

        In addition, is it possible to product change to a different credit card a year or two after using this card?

        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
  41. Narinder

    I had a very strange experience with SBI Card. Although i am having HDFC Regalia, ICONIA and few other cards, but one day when in a shopping mall one SBI insisting for a Card i applied for SBI SimplySave on card on card Basis and in few days i got my card delivered.

    After i got my first bill, i realized SimplyClick is better than SimplySave as my more than 80% spend is online. So i simply sent an email to customer care, what would be the process for moving to SimplyClick from SimplySave. In response to that they told, they will solve this query by 28th of August.

    I was hoping a response how i can do it but i got an SMS from BlueDart saying Card is out for delivery. I checked in SBICard APP, new credit card number is coming there. I am surprised how they can do it without informing and my email was clearly asking what would be the process.

    In my first Bill of SimplySave i paid 499 as joing fee. Need i pay again for SimplyClick???

    Reply
  42. VISHAL VERMA

    I upgraded from useless Yatra SBI card to Simply Click because of 10x rewards, there was some rewards points in Yatra Card around 1300. Will rewards points from Old card will be migrated to new upgraded card. (Right now it is not showing in dashboard).
    Also I’m getting MasterCard Titanium version of simply click (Still in transit). Does it have Airport Lounge access ? My Yatra card was also Titanium MC and it was having MC lounge access.

    Reply
    1. Ashwin

      @Vishal – How did you upgrade, They denied me the new card saying u have an existing card.

      Reply
  43. Prashant Gupta

    Siddharth heres the next part to my silly fight with SBI. I had requested for closure of card as i told earlier, these guys requested to continue and told joining fee will be reversed and charged later. And to the surprise they said i will have to pay card replacement fee of Rs100. I was so fee up that i asked them to close the account.

    But to my surprise my wife received the card last week. I logged online to check the transactions: annual fee was reversed but i was charged replacement fee. We again called the Custcare and i asked ro close the account. I was told Sir we will reverse the fees and you can keep the account active. I said ok also i will not be charged this years joining fees and i will not get the joining benefit. Thats fine i said.

    So in all 2 months of silly fighting with SBI and all the time they were at fault, but they are very arrogant i must say. They dont care about the customer, the worst customer care. I had alwaylys avoided SBI card and my wife still teases why we applied and she is already fed up of Custcare.

    Reply
    1. Siddharth Post author

      Ah, that seems to be a tough time. I’ve had mine too 😀

      Hopefully they do the needful to improve their customer support team. They should be reading our comments already. 😉

      Reply
  44. Anand S

    Sid,
    10X amazon offer is valid for EMI purchases too??
    and can we load PayTM wallet and use it to pay for fuel and enjoy 5X reward point?

    Reply
    1. Praveen Perumalla

      Yes, you get reward points for loading all wallets. 5x for paytm and mobikwik; 10x for amazonpay.

      Reply
  45. K Ghosh

    I have got the simply click card. But I have a query. In the sbi card website it is clearly mentioned that contactless facility is available for simplyclick card. But the card I received is without the contactless logo. My card looks the same as in the picture mentioned above in this blog.

    I called up the customer care and they are telling that contactless facility is available in simplyclick card. But there is no logo for the same on my card. My question is will my card work for contactless payments? If not is it possible to get the contactless version of the card?

    Thank you.

    Reply
    1. Rajesh

      Is your contactless technology working or not? Mine also come without contactless logo.

      Reply
  46. GulfDay

    What for those who are living such cities which are not in this application form?

    Reply
  47. Vishnu

    I spend 2850 rs amazon i will get reward point 285 or 200 ..Is it rounded off?

    Reply
    1. Ramesh Kumar

      It’ll be calculated per Rs.100, so you’ll get 280 reward points within 2-3 days from date of transaction.

      Reply
    2. pawan

      @Vishnu You’ll 280 reward points for Rs.2800

      Question for everyone:
      You guys getting 10x on cleartrip? I am getting 5x only for now.

      Reply
  48. Coolbuddy

    Ola money removed from 10x rewards partners. Hope they add some useful wallet like paytm soon. Really disappointing. I was enjoying ola money for quite a while now.

    Reply
  49. Madu

    I have an Axis bank credit card with 80k limit on it can i apply for simply click creditcard on card to card basis my city is not listed on sbi card site what is the correct procedure i dont have any salary slip etc , but have above 750 Credit Score,
    Your help would be appreciated

    Reply
  50. Ashish Goyal

    How to apply for particularly Mastercard version of SBI SimplyClick Credit Card?

    Reply
  51. Manish kumar

    So I have this SBI prime card with credit limit 90k, and its eligible for upgrade to elite, which I am not gonna do it because of high annual charges and no useful perks.
    Anyway, my question is, how do i get this simply click card?almost 90% of my spends are on amazon and it looks like i missed a lot of reward points already.
    When I inquired about it from customer care, they are not ready to downgrade my card,( annual charges on prime card is 3000), when i insisted, they are ready to give me an additional simple click card with limit of only 10k, that too by removing 10k limit from my main card.
    So, I wanna know how to exchange my card for simply click one?or how to get a new one with logical credit limits, because 10k milit is just stupid.

    Reply
  52. Prashant Gupta

    Can anyone confirm whether they are being charged for reward redemption?. Has anyone redeemed cleartrip voucher.

    Reply
    1. Tapish Kumar

      I have redeemed for amazon voucher.. I have not been charged for redemption..

      Reply
  53. ANUGU RAVINDER REDDY

    Hi Prashanth Guptha,
    I redeemed 20,000 points at different times. But, I wasn’t charged any. I redeemed the Cleartrip voucher for hotel booking.
    Note: Only online transactions are considered for milestone benefits.
    They are giving reward points for wallets loading but not considering for milestone benefits. (I suspect)
    Offline transactions are also not considered for milestone benefits. (So far I spent 3.5 lacs but received only one Cleartrip voucher)
    Thank you all

    Reply
  54. Nikhil Goel

    After removal of 10x offer from Diners, Is there any other card apart from Simplyclick which offers better reward rate on amazon?

    Reply
  55. Sonia

    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
  56. Tapish Kumar

    Hi,
    I have been using SBI simly click card for the past 4 months. I am checking my statement regularly and I am unable to understand as to which transactions actually count for calculation of milestone online spends (milestone of 100000 & 200000 online spends).. I have been making most of my spending online but they are not counting all as online spending.
    Do they count wallet loading (Amazon, paytm, Tapzo) as online spend or are there any particular terms and conditions to know as such.

    Reply
  57. ANUGU RAVINDER REDDY

    Hi Tapish Kumar,
    I’v been using this card for 6 months. They are giving reward points for all the online transactions and wallet loadings. They are counting all the online transactions for milestone benefits. But, they aren’t considering offline transactions for milestone benefits.
    SBI is very fast in adding the reward points not like HDFC.
    Thank you.

    Reply
  58. Udbhav Agarwal

    I am a beginner user of this card and i just want to know how much reward points this card gives for wallet loadings?
    Is it 5x reward points or the regular one (1 rp for every 100 rupees)?

    Reply
    1. ANUGU RAVINDER REDDY

      SBI Simply Click gives 5 points for wallet loadings and with partner sites 10 points.

      Reply
  59. WR

    I applied for this card online. Got approved ‘in principle’. But, I chose not to proceed any further. I halted them before the eKYC step.
    As I read more about this card, some caveats began to reveal:
    (1) Current 10x partners are: Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap / Zoomcar. Ola has been kicked out of the party, which makes this card far less alluring.
    (2) Rewards redemption fee is: Rs. 99 (alike HDFC). i.e. the Bank eats away 400RPs for no earthly reason. Although, some users have said they were not charged, but officially, there is this charge.
    (3) There’s Rs. 500 worth amazon GV as a welcome gift upon paying the joining fee, but no such GVs are offered upon paying the annual fee. Nor is it compensated by adding bonus RPs.
    (4) The annual spending criteria of Rs. 1lakh for the annual fee-waiver is difficult to meet, specially for those who are holding multiple cards (since this card has no significant offline spending benefits, people would prefer to use other cards for grocery).

    In my opinion, my Amex Membership Rewards Card performs better. I earn 1000RPs every month by spending Rs. 4000/- per month online (anywhere, including loading wallets, excluding utilities).

    Sid, I would love to be proven wrong. What’s your take?

    Reply
  60. Karthikeyan

    Hi Siddharth,

    Great post.

    I used to purchase a lot on Amazon
    Which credit card is best for me?

    SBI Simply Click or HDFC Diners Club Black or any others?

    Reply
  61. Prashant Gupta

    sbi simply click for amazon, but from flipkart etc hdfc diners black.

    Reply
  62. Dr Prasoon

    SBI has wasted my one full year! I first applied for this card on March ’17 and one month later, I got an email saying that my application has been rejected because of “some indeferrences in my savings bank account”. I’m a government doctor and am filing my ITR properly, and I still wonder what they meant by that!

    Fast forward to September, 6 months after my first application date, I tried to apply again. Two weeks later and no reply so I called the customer service and after about 3 calls, got a phone number of this lady who deals with credit card applications. She says, that it’s unusual to take such long time for getting the first call back from SBI and promised me to look into the matter. One week later, I get the first call asking for all the documents which I had already uploaded! I send it to them via email and then it’s zip for another 2 weeks. I had to call them again!

    November first week, I receive a call from the head office and they have screwed up my office address including the pin code.. I have no clue, how they can do such unbelievable things and when I ask them to correct it, they can’t! Next day, they somehow found a way to correct the pin code and told me that it’ll be 526 rupees annual fee including GST and that I”ll receive more calls from Gurgaon.

    After that, in the next two weeks I received 4 calls and all of them wanted to re-confirm my office address. Three months after my second application, as I didn’t receive any notification, I checked the status online and you won’t believe this! “Application denied due to pin code issue”

    For God’s sake, don’t waste your time on any SBI card. They need to improve high time! Period!

    Reply
  63. Nikhil Goel

    Hey, just received this mail
    Dear Cardholder
    Get FREE Motorola Headphones worth 1,599 on spending 06 times or more
    with your SBI Card ending with XXXX.
    Min. trxn: 1,000

    It seems like SBI is keen on getting more and more txns on the card just like AMEX Gold card offer. This is a targeted offer for those who rarely use the card and are using it as a backup option.
    I guess my this year’s anual fees are compensated by it. 😀

    Reply
    1. Nikhil Goel

      Just checked the subject of the mail. It is Motorola Pulse 3 which is having price of Rs. 1600 after discount on amazon and has good reviews too. So it does not looks like a gimmick where they lure you with MRP of the product.

      Reply
  64. Henry

    As headline mention above, I am also holding SBI SIMPLY CLICK credit card, How can I get approved AMEX membership reward cards. I want to apply.

    Reply
  65. Prashant

    Siddharth
    What is procedure for increase of credit limit in SBICARD ? I am not getting any offer for same, Though I have another card from different bank for that I am getting regularly credit limit increase offer. I dont have any supported IT document and salary slip

    Reply
  66. Prasanna

    Hi, i just received this mail
    Dear Cardholder
    Get FREE Motorola Headphones worth 1,599 on spending 06 times or more
    with your SBI Card ending with XXXX.
    Min. trxn: 1,000….
    How i received motorola headset? Voucher or door delivery?

    Reply
    1. Siddharth Post author

      I got the offer 3 months back. They deliver it to home. Mine is on the way. Will review once i get it, next week.

      Reply
  67. Prabhat

    Hi,

    Would I be eligible for rewards if
    1. I load PayTM / PhonePay wallet using this card ? I believe HDFC CCs have put a stop to this.
    2. I pay insurance premiums using this card ? If so, is there any cap on the max rewards I can get per transaction ?

    Thanks

    Reply
  68. Sukanjan Karmakar

    Applied for SBI Simply click card on March 26, they collected the documents and the verification call is also done. Since then the application status shows “Your SBI Card Application is in progress. We will get back to you soon.”

    How much time it usually takes to get the card?

    Reply
    1. Jonathan

      It can take up to 21 WORKING days which usually translates into 30 or 45 regular days

      Reply
  69. ann

    Sid,
    Please inform whether SBI Simplyclick mastercard variant has been withdrawn? I wanted that.

    Reply
    1. PK

      What is the use of it? Could you please explain. I actually expected contact less visa card. But I got master card. Is their any benefits compare to visa card?

      Reply
  70. Prasenjit

    Perhaps one of the most underrated card… I personally found this one quite rewarding, especially if you consider that the annual fee is so low that it compares with debit card annual charges that SBI and other levies even without informing us ;)… 5X on online spends and especially 10X on Amazon is fantastic as since I have Amazon Prime account, I keep buying lots of stuff from there… Plus you can redeem reward points to Amazon Gift Cards so for me it is as good as encashing them…

    Reply

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