If you’re someone who frequently shops online and is looking for a reliable credit card to help you save more with every purchase, the SimplyCLICK SBI Card is a great option. With an affordable annual fee and impressive cashback offers, this card is specifically designed to reward online shoppers. In this blog post, we’ll break down how to maximize your savings with the SimplyCLICK SBI Card, including rewards strategies, fee waivers, and exclusive partner offers.
Table of Contents
What is the SimplyCLICK SBI Card?
The SimplyCLICK SBI Card is a shopping credit card offered by SBI Card, one of India’s leading credit card issuers. It focuses on rewarding users for online purchases, especially when shopping through partner merchants. Whether you’re buying electronics, booking movie tickets, or ordering medicines, this card has you covered.
Features and Benefits of the SimplyCLICK SBI Card
| Feature | Description |
|---|---|
| Annual Fee | Rs. 499 + Taxes (Waived on annual spend of Rs. 1 lakh) |
| Welcome Gift | Amazon.in gift voucher worth Rs. 500 |
| Reward Points | 10x rewards on select partners, 5x on other online spends, 1x on offline spends |
| Reward Redemption | 1 RP = Rs. 0.25 (Redeem via SBI Rewards portal) |
| Milestone Benefits | Rs. 2000 e-voucher each at Rs. 1L and Rs. 2L annual online spend |
| Partner Brands | Amazon, BookMyShow, Cleartrip, Netmeds, Lenskart, etc. |
| Global Acceptance | Accepted at 24 million+ outlets worldwide |
Tips to Maximize Savings with the SimplyCLICK SBI Card
1. Prioritize Spending on Partner Websites
To truly maximize savings, make the most of the 10X Reward Points offered on partner websites such as:
- Amazon.in
- BookMyShow
- Cleartrip
- Netmeds
- Lenskart
This gives you 10 reward points per Rs. 100 spent, effectively offering you a return of 2.5% when redeemed.
2. Leverage the Milestone Benefits
The SimplyCLICK SBI Card offers milestone vouchers worth Rs. 4,000 annually:
- Spend Rs. 1,00,000 online in a year to get a Rs. 2,000 voucher
- Spend Rs. 2,00,000 online to get another Rs. 2,000 voucher
These benefits reduce your effective cost of ownership significantly, and combined with rewards, can offer returns upwards of 5%.
3. Use the Card for All Online Spends
Even for merchants outside of partner brands, the SimplyCLICK SBI Card offers 5X reward points. Whether you’re ordering food online or subscribing to streaming services, use your card for these transactions to accumulate points faster.
4. Take Advantage of Add-on Cards
You can get free add-on cards for family members above 18 years. This way, their online shopping also earns you reward points, helping you hit milestone spend targets faster.
5. Convert Big Purchases into EMIs
Use SBI’s Flexipay feature to convert large transactions into EMIs. While this doesn’t increase rewards, it allows better financial planning, so you never miss out on payment benefits and fee waivers.
6. Avoid Spending on Non-reward Categories
Note that some transactions do not earn rewards, such as:
- Rent payments
- Government-related transactions
- Digital wallet top-ups and gaming
Stay informed and focus your card usage on categories that earn rewards.
Ready to Start Saving More?
Apply now for the SimplyCLICK SBI Card and get an Amazon.in gift voucher worth Rs. 500! Click here to apply
How to Redeem Reward Points
- Log in to the SBI Card portal.
- Navigate to the ‘Rewards’ section.
- Browse available products, vouchers, or cashback offers.
- Choose your preferred item and confirm the redemption.
You can also convert reward points into statement credit or use them for merchandise.
Things to Remember
- Reward points have an expiry of 2 years from the date of accumulation.
- Maximum of 10,000 reward points per calendar month.
- Always pay your dues on time to avoid interest charges that can nullify the benefits.
FAQs about the SimplyCLICK SBI Card
1. Is the SimplyCLICK SBI Card suitable for offline shopping?
While you can use it offline, it’s best suited for online purchases due to its reward structure.
2. What is the value of each reward point?
1 Reward Point = Rs. 0.25 when redeemed via the SBI Rewards portal.
3. Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000.
4. Can I apply if I don’t have a credit history?
Yes, but approval will depend on income proof and other eligibility criteria.
5. How long does it take to get the Amazon gift voucher?
It is usually issued within 30 days of the annual fee payment.
Pros and Cons of the SimplyCLICK SBI Card
✅ Pros:
- High reward rate on partner websites
- Affordable annual fee with waiver option
- Welcome voucher adds immediate value
- Easy online application process
- Milestone rewards worth Rs. 4,000 annually
❌ Cons:
- Limited reward points on offline transactions
- No airport lounge access
- Reward points expire after 2 years
- Monthly cap of 10,000 points
Quick Comparison: SimplyCLICK SBI Card vs Tata Neu Credit Card
If you’re exploring credit card options, the Tata Neu Credit Card is another strong contender. Here’s a brief comparison:
| Feature | SimplyCLICK SBI Card | Tata Neu Credit Card |
| Best For | Online shopping & partner sites | Tata Neu app users & Tata brands |
| Rewards | Up to 10X points | Up to 5% NeuCoins |
| Annual Fee | Rs. 499 + taxes | Rs. 499 + taxes |
| Fee Waiver | On Rs. 1L spend/year | On Rs. 1L spend/year |
| Welcome Benefit | Rs. 500 Amazon voucher | NeuCoins worth Rs. 499 |
Want to know more about the Tata Neu Card? Please read our full review on it here.
Affiliate Disclosure
This blog post may contain affiliate links. If you click on these links and apply for the SimplyCLICK SBI Card, we may earn a small commission at no extra cost to you. This helps support our blog and allows us to continue delivering quality content. We only recommend products that we genuinely believe provide value to our readers.
Final Thoughts
The SimplyCLICK SBI Card is an excellent tool for maximizing savings on online purchases. With a low annual fee, generous rewards program, milestone benefits, and great partner offers, this card is ideal for digital-savvy users. By following the strategies above, you can ensure that you’re getting the most out of every rupee you spend.
If you’re ready to upgrade your savings game, the SimplyCLICK SBI Card is just a click away! Apply Now
