SimplyCLICK Advantage SBI Credit Card

If you love online shopping, the SimplyCLICK Advantage SBI Credit Card is perfect for you. This card comes with various interesting benefits and features that can be very advantageous for those who are regular online shoppers.

Significant Points:
  • Zero% fuel surcharge
  • Bonus reward points on yearly annual expenses
  • Welcome gift worth Rs 500 in the form of Amazon vouchers
  • 5 times the reward points on all online expenses
  • 10 times the reward points on online expenses at Partner Outlets
Advantages:
  • 10 times reward points can be earned on all online purchases with partner outlets like BookMyShow, FoodPanda, Amazon, LensKart, FabFurnish, ClearTrip, etc. 5 times reward points can be enjoyed on all other online expenses. The cardholder gets 1 reward point for each Rs 100 spent via the SimplyCLICK Advantage card.
  • Those who apply for this card can avail an e-gift voucher from Amazon, worth Rs 500.
  • The cardholder can get their yearly fee of Rs 499 reversed by spending Rs 1 lakh over the year.
  • Those who spend Rs 2 lakh or Rs 1 lakh yearly on online shopping can earn e-vouchers worth Rs 2000.
  • Cardholders can avail 2.5% waiver on fuel surcharge at petrol pumps all over India, when they pay via this card. The offer is available if the minimum expense on fuel is Rs 500 and the maximum is Rs 3000.
Characteristics:
  • This card is accepted internationally by over 24 million retail outlets.
  • This card can be used to withdraw cash from over a million MasterCard or VISA ATMs.
  • Add-on cards can be availed for members of the cardholder’s immediate family.
  • The card can be used for booking online railway tickets from the IRCTC portal.
  • The card helps in online payment of utility bills without delay, via the Easy Bill Pay option.
  • Cardholders can transfer their credit card balance from another bank to their SimplyCLICK Advantage SBI card at lower rates of interest. The amount can be paid back in instalments.
  • Flexi Pay: A cardholder can convert his transactions into month-wise instalments. In order to do so, cardholders have to make expenses of Rs 2500 or above, using the card, and begin the Flexi Pay service within a month of the transaction.
  • Easy Money: This facility allows cardholders to get a draft or cheque against their cash limit sent to their address.
  • Cardholders, in need of any help with their card, can contact the 24 x 7 SBI Card Helpline Number.
Charges and Fees:
  • The yearly fee is Rs 499.
  • The renewal fee is also Rs 499. However, it gets reversed if the yearly expense is Rs 1 lakh or above.
  • There is no charge for an add-on card.
  • The interest-free credit duration is 20 days to 50 days.
  • The finance charge is 2.5% per month.
  • The limit on cash advance is up to 80% of the credit limit, the maximum being Rs 12,000 per day.
  • The minimum amount that must be paid back is 5% of the balance outstanding.
  • The cash advance charge is 2.5% of the transacted amount, minimum being Rs 300, in case of SBI or other domestic ATMs. The charge is 3% of the transacted amount, minimum being Rs 300, in case of international ATMs.
  • The cheque pick-up charge is Rs 90.
  • The payment dishonour charge is 2% of the payment sum, minimum being Rs 350.
    • The retrieval fee for charge slips is Rs 225 per slip.
    • Retrieval fee for each statement is Rs 100, provided the statement is at least 2 months old.
    • The over-limit fee is 2.5% of the over-limit amount, minimum being Rs 500.
    • Charge for emergency card replacement, outside India, is the actual cost of the card, the minimum being $175.
    • Fee for redeeming rewards is Rs 99.
    • Charge for card replacement in India is Rs 100.
    • Charge for foreign currency transaction is a conversion mark-up of 3.5%.
    • Cash payment fee is Rs 100.
    • Surcharge on train tickets bought at railway counters is Rs 30 + 2.5% of the transacted amount.
    • Surcharge on train reservations done from the IRCTC website is 1.8% of the transacted amount + service charge.
    • Maximum waiver of fuel surcharge is Rs 100 for each statement cycle, per credit card account.
Late Payment Fee:
  • There is no late payment fee is the outstanding amount is below Rs 200.
  • The fee is Rs 750, if the outstanding is above Rs 10,000.
  • If the outstanding is between Rs 1,000 and Rs, 10,000, the fee is Rs 500.
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