Nowadays, shopping has become not only a leisure activity but also a therapeutic one. Combined with discipline and smart use of your money, your fondness of shopping can help you find the best deals. This can help you save money while spending. Aside from cash transactions, one can also opt to apply for a credit card, like the SimplyCLICK SBI Card.
You could be getting a credit card that offers gifts, rewards, and promos. When you apply for such a card, you can make sure that you will get the best deals. In fact, you can even enjoy competitive rates with the right credit card.
In search of a credit card that is designed to make your transactions more worthwhile? The SimplyCLICK SBI Card might just be for you. Read on to know more.
What Is the SimplyCLICK SBI Card?
It is a credit card offered by the State Bank of India, which is designed to make your experience a whole lot easier. Falling under the SBI websites’ Shopping category, SimplyCLICK is guaranteed to give you sweet deals every time you make transactions at partner establishments. Moreover, you can rely on this card for online transactions.
What You Can Expect from the SimplyCLICK SBI Card
Now that you know what this card is created for, you might want to dive deeper into its details. This way, you can get an idea about the advantages, disadvantages, and even charges associated with this card. Check them out below.
Promos and Benefits
The SimplyCLICK SBI Card gives an Amazon gift card of Rs. 500 when you avail of this card. Keep in mind that this is a one-time offer that you can get for a period of one year from the day of your account opening. Moreover, you can also enjoy a 1% surcharge waiver for fuel transactions falling between Rs. 500 and Rs. 3,000.
One of the most striking features of the SimplyCLICK card is that it offers various opportunities to earn rewards. This card offers 10x reward points when you purchase online from partner sites such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo, and Urban Clap. All other online spending lets you earn 5x points. Moreover, you can also earn 1 point for every Rs. 100 spent on all other purchases.
Another opportunity for earning rewards is through milestones. When you spend Rs 1 Lakh on annual online spending, you will get an e-voucher of Rs. 2,000. Spending Rs. 2 Lakhs annually on online transactions allows you to get another Rs. 2,000. This voucher is redeemable at Cleartrip.
Ease and Convenience
This credit card allows you to make transactions without hassle. You can swipe it at a point of sales terminal. For an easier method, you can take advantage of its contactless technology. You also have the option to make online purchases by entering the info required by the merchant.
Keep in mind the importance of having credit card discipline.
Rates and Fees
Keep in mind that there are charges that apply when using this card. Finance charges can be Rs. 25 monthly or 40.2% annually, whichever is higher. The same rate applies for a cash advance. Late payments will be penalized accordingly. This can range from Rs. 0 to Rs. 200.
Moreover, you will need to have a one-time annual fee of Rs. 499. However, a renewal fee of the same amount applies for your second year onwards. When you spend Rs. 1 Lakh in the past year, you are entitled to an annual fee reversal.
How to Apply
Interested in applying for this card? You need to make sure that you are eligible for this card. This includes age, residence, income, and credit score. Because of this, you might need to present proofs of identity and residence, as well as your PAN card. You might also be asked to provide recent payslips and the latest bank statement.
Should you need to get in touch with SBI, you can give them a call at 1860 180 1290, 1860 500 1290, 39 02 02 02 (prefix local STD code), or 1800 180 1290. You can also send mail to the head office at SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India. Other options include sending them an email using the link on their Contact Us Page.
The SimplyCLICK Card is definitely one of the most worthwhile options for shopping and other important transactions. So, make sure to get one to start enjoying what this card has to offer.
Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.