There are different credit card options provided by State bank of India for its customers and its non-customers , where credit card is offered at the lowest interest rate options and with the least formalities . Also , obtaining a credit card with SBI , also comes with features of availing multiple discount scheme benefits and lower interest rates . Through SBI , one can obtain credit card for shopping needs, lifestyle needs , reward or special purchases , for travel and business purposes. In the segment of EMI payments and usage worldwide , the SBI Simply Click credit card of SBI bank offers a number of additional benefits which are not-available to other credit card holder.
If you are seeking to apply for SBI Simply Click credit card , then in this article you will be able to know more about this credit card and it s benefits for different purposes.
SBI Simply Click Credit Card
The SBI Simply Click credit card is more favourable in terms of shopping and receiving rewards from SBI for doing more and more shopping . While the bank offers a limit for payment on other credit cards , on the SBI Simply Click card is that you get to shop on any platform online or offline or on e-commerce , you just can go contact less and even on different stores by just touching . The credit card is offered on annual fee of Rs 499 /- where it is to be renewed after the term of the card ends or expires.
10x rewards along with payment milestones are also added to the credit card to encourage spending but compared to other cards more offers are added for online payments . There is also an addon of Flexipay with the SBI Simplyclick credit card where a purchase of more than 2500 can be converted into an EMI with the card.
Uses of Simply Click SBI Credit Card
Application of Simply Click Credit Card for Free Online
Limits and International Usage of SBI Simply Click Credit Card
Difference between SimplySave and Simply Click Credit Card
| Annual Fee (one time) | ₹499 + taxes |
| Renewal Fee (per annum) | ₹499 + taxes from second year onwards |
| Add-on Fee (per annum) | Nil |
| Finance Charges | Up 3.50% per month (whichever is higher) |
| Minimum Amount Due | 5% of Total Outstanding |
| Cash Advance Limit | Up to 80% of credit limit, with a maximum of ₹12,000 per day |
| Free Credit Period | Nil |
| Cheque Fee | ₹100 |
| Payment Dishonour Fee | 2% of the payment amount, subject to a minimum of ₹500 |
| Statement Retrieval Charges | ₹100 per statement, which is two or more months old |
| Late Payment Charges | NIL for Total Amount due from ₹0-₹500;
₹400 for Total Amount Due greater than ₹500 and up to ₹1,000; ₹750 for Total Amount Due greater than ₹1,000 and up to ₹10,000; ₹950 for Total Amount Due greater than ₹10,000 |
| Card replacement | ₹100 to ₹250 |
| Emergency card replacement, when abroad | Actual cost, with a minimum of $175 |
| Foreign Currency Transaction Charges | Conversion mark-up – 3.5% |
| Dynamic Currency Conversion Charges | Mark-up Fee: 3.50% |