SBI SimplyCLICK Credit Card
- APR
- 45.0% – 45.0%
- Annual Fee
- ₹499
- Rewards
- Up to 10.0%
- Sign-Up Bonus
- ₹500
You'll be redirected to sbicard.com
Our Verdict
The SBI SimplyCLICK Credit Card is a solid choice for online shoppers looking to earn rewards without breaking the bank. With a low annual fee and generous rewards structure, it caters well to frequent online spenders.
Pros
- 10x reward points on partner spends
- 5x reward points on all other online purchases
- ₹500 sign-up bonus with joining fee
- Annual fee waived on ₹1 lakh spend
- User-friendly Visa network
Cons
- High APR of 42% for outstanding balances
- Limited to online purchases for maximum rewards
- Annual fee applies if spend threshold is not met
- Not ideal for heavy offline spenders
- Customer service may take longer to respond
The SBI SimplyCLICK Credit Card targets online shoppers with its enticing rewards structure. Users earn 10x reward points on purchases from partners such as Apollo and BookMyShow, making it appealing for regular users of these services. Additionally, it provides 5x points on all other online spends, ensuring that even casual shoppers can benefit.
The annual fee is just ₹499, which is waived if you spend ₹1 lakh annually. This feature makes it accessible for users who can manage their spending effectively. However, the 42% APR on outstanding balances is a significant drawback, especially for those who might not pay off their dues in full each month.
This could lead to high interest charges that diminish the card's value.
Comparatively, if you are considering alternatives, cards like the HDFC Millennia or ICICI Amazon Pay card offer similar rewards with potentially better terms for offline spenders. The SBI card excels in online shopping, but users who frequently shop offline might want to explore other options. It's crucial to evaluate your spending habits before committing.
Customer service can be hit or miss, with some users reporting longer than expected response times. According to the issuer's site, this card is designed for easy online transactions, but the experience can vary. We recommend verifying details on the official site for the most current offerings.
Watch Out
Be cautious of the high APR if you carry a balance, as it could lead to significant interest charges.
Best For
This card is best for those who frequently shop online, particularly on partnered platforms like Myntra and Swiggy.
You'll be redirected to sbicard.com
