SBI Simply Click Credit Card Review 2026: Online Shopping Ke Liye Best Card?
Aaj ke digital daur mein, online shopping humari life ka ek integral part ban chuka hai. Grocery se lekar gadgets tak, sab kuch ek click par available hai. Agar aap bhi un logon mein se hain jo regularly online purchases karte hain, toh ek aisa credit card chahiye jo aapke har 'click' ko rewarding bana de. Issi category mein, State Bank of India ka ek highly popular offering hai: the SBI Simply Click Credit Card.
Lekin kya yeh card 2026 ki badalti demands ko pura karta hai? Kya iske benefits, fees, aur eligibility criteria aapke liye sahi hain? Iss detailed SBI Simply Click Credit Card review mein, hum iski gehrayi mein jaakar har pehlu ko samjhenge, aur yeh bhi dekhenge ki aap SBI Simply Click Credit Card apply online kaise kar sakte hain.
SBI Simply Click Credit Card: Key Features aur Benefits Explained
Simply Click credit card khas taur par un customers ke liye design kiya gaya hai jo e-commerce platforms par zyada kharch karte hain. Iska core focus hai Accelerated Reward Points ke zariye savings provide karna.
1. Accelerated Reward Points – Online Shopping Ka Maharat
- 10X Reward Points: Yeh is card ka sabse bada USP (Unique Selling Proposition) hai. Aapko selected online partners jaise Amazon, BookMyShow, ClearTrip, Lenskart, Netmeds, aur Apollo 24|7 par kharch karne par har ₹100 par 10X reward points milte hain. Agar aap in platforms par regular transactions karte hain, toh yeh benefit aapke savings ko significantly boost kar sakta hai.
- 5X Reward Points: Baaki sabhi online transactions par, jaise ki dusre e-commerce sites ya online utility bill payments par, aapko 5X reward points milte hain (Har ₹100 kharch par 5 points).
- 1X Reward Points: Offline transactions aur non-accelerated spending par aapko standard 1X reward point milta hai (Har ₹100 kharch par 1 point).
Pro Tip: Har 4 Reward Point ki value ₹1 hoti hai. Iska matlab hai ki 10X category mein, aap effective 2.5% tak ki savings generate kar rahe hain.
2. Welcome Benefit Aur Renewal Gift
Jab aap naye customer ke roop mein SBI Simply Click Credit Card lete hain, toh aapko ek accha welcome gift milta hai:
- Amazon Gift Card: Card issue hone ke 60 dinon ke andar annual fee pay karne par, aapko ₹500 ka Amazon Gift Card milta hai. Considering ki card ki annual fee bhi ₹499 hai, yeh benefit effectively pehle saal ki fee ko negate (cancel) kar deta hai.
- Annual Fee Reversal: Kya aap jaante hain ki aap har saal is card ki fee ko waive off (maaf) kara sakte hain? Agar aap pichle saal mein ₹1,00,000 ya usse zyada kharch karte hain, toh aapki next annual renewal fee automatically reverse ho jaati hai.
3. Milestone Benefits: Online Spenders Ke Liye Extra Rewards
Simply Click card sirf daily spending par hi nahi, balki bade kharchon par bhi extra rewards deta hai:
- Milestone 1 (ClearTrip Voucher): Jab aap ek saal mein ₹1,00,000 kharch karte hain, toh aapko ₹2,000 ka ClearTrip e-voucher milta hai.
- Milestone 2 (Extra ClearTrip Voucher): Agar aapka kharcha ₹2,00,000 ki seema (limit) ko paar kar jaata hai, toh aapko ek aur ₹2,000 ka ClearTrip e-voucher milta hai.
In milestone benefits ko dekhkar yeh saaf hai ki yeh card un logon ke liye perfect hai jo saal bhar mein kam se kam ₹1 Lakh ki online ya offline spending karte hain.
4. Fuel Surcharge Waiver
Aapko India ke kisi bhi petrol pump par ₹500 se ₹3,000 ke beech fuel bharwane par 1% fuel surcharge waiver milta hai. Har billing cycle mein maximum waiver ₹100 ho sakta hai.
Click here to SBI Simply Click Credit Card Apply Online Today!
SBI Simply Click Credit Card Fees aur Charges (Transparency Report)
Credit card lene se pehle uske charges ko samajhna bahut zaroori hai. Yahan SBI Simply Click Credit Card se jude important fees aur charges diye gaye hain:
| Charge Type | Amount/Percentage |
|---|---|
| Joining Fee (Annual Fee) | ₹499 + Applicable Taxes |
| Renewal Fee (Annual Fee) | ₹499 + Applicable Taxes (Waived on spending ₹1,00,000 in previous year) |
| Finance Charges (Interest Rate) | Up to 3.5% per month (Approx 42% per annum) |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500 (whichever is higher) |
| Late Payment Fees | Varies based on outstanding amount (Generally from ₹100 to ₹1300) |
Professional advice yeh hai ki hamesha apni due date se pehle poora outstanding amount pay karein taaki high finance charges se bacha jaa sake.
SBI Simply Click Credit Card Eligibility Criteria 2026
Card apply karne se pehle, yeh jaan lena zaroori hai ki aap eligibility requirements ko meet karte hain ya nahi. SBI Cards ki eligibility criteria generally standard hain, lekin kuch points par dhyan dena zaroori hai:
1. General Eligibility
- Age: Applicant ki age 21 se 60 saal ke beech honi chahiye (Add-on card holders ke liye 18 saal).
- Residency: Applicant Bharat ka resident hona chahiye.
- Income/Employment Status: Salaried individuals ya Self-Employed professionals dono apply kar sakte hain.
2. Income Requirements
SBI Cards generally ek minimum income level expect karta hai. Halanki yeh criteria location aur profile ke hisaab se vary karta hai, average expected minimum income level kuch is prakar hai:
- Salaried: Monthly income ₹25,000 se ₹35,000 ya usse zyada honi chahiye.
- Self-Employed: Annual ITR ₹4 Lakh se ₹6 Lakh ke aas-paas hona chahiye.
3. Credit Score (CIBIL)
Good credit history hona sabse crucial hai. SBI is card ke liye high credit score prefer karta hai. Aapka CIBIL score 750 ya usse upar hona highly recommended hai taaki application reject na ho.
How To Apply: SBI Simply Click Credit Card Apply Online Process
Digital age mein, credit card apply karna ab ek mushkil task nahi raha. Aap ghar baithe aasani se SBI Simply Click Credit Card apply online kar sakte hain. Yeh process fast, secure, aur paperless hai (Agar aap e-KYC option use karte hain).
Click here to SBI Simply Click Credit Card Apply Online Today!
Step-by-Step Online Application Guide
- Visit SBI Cards Website: Sabse pehle SBI Cards ki official website par jaaiye aur 'Credit Cards' section mein Simply Click card ko select karein.
- Fill the Application Form: 'Apply Now' button par click karein. Personal details (naam, pata, mobile number) aur professional details (employment status, income) carefully bharein.
- Document Submission (E-KYC): Agar aapke paas Aadhaar aur PAN card hai, toh aap e-KYC (digital verification) ke through turant verification kar sakte hain. Agar nahi, toh aapko physical documents upload karne padenge.
- Verification Call: Application submit hone ke baad, aapko SBI Cards se ek verification call aa sakta hai. Salaried logon ke liye HR verification bhi ho sakta hai.
- Approval aur Dispatch: Agar aapki profile aur CIBIL score achha hai, toh application approve ho jaati hai. Card generally 7 se 10 working days mein aapke registered address par dispatch ho jaata hai.
Aapko required documents jaise ki Identity Proof, Address Proof, aur Income Proof (latest payslips/Bank Statement/ITR) ready rakhne chahiye application ke dauran.
SBI Simply Click Credit Card Review 2026: The Final Verdict
Detailed analysis ke baad, hum is card ko online shoppers ke liye strongly recommend karte hain. Lekin har financial product ki tarah, iske bhi apne pros aur cons hain:
Pros (Fayde)
- Exceptional Reward Rate: 10X reward points selected online partners par unmatched savings dete hain, jo is card ki USP hai.
- Zero Effective First Year Fee: Welcome gift (₹500 Amazon voucher) joining fee ko cover kar leta hai.
- Achievable Fee Waiver: ₹1 Lakh annual spending target bohot se regular shoppers ke liye easily achievable hota hai.
- Milestone Vouchers: ClearTrip vouchers travel ya booking expenses mein significant relief dete hain.
Cons (Nuksaan)
- Limited Accelerated Partners: 10X benefits sirf select partners tak seemit hain. Agar aap dusre websites par zyada kharch karte hain, toh 5X rate hi milega.
- No Airport Lounge Access: Is card mein domestic ya international airport lounge access ki suvidha nahi hai, jo travelers ke liye ek downside ho sakta hai.
- High Interest Rate: Jaise ki sabhi basic credit cards mein hota hai, agar aap payment miss karte hain toh interest rate kafi high hai (42% per annum).
Kya Aapko Yeh Card Lena Chahiye?
Agar aapki monthly online spending ₹8,000 se ₹10,000 ya usse zyada hai, aur aap Amazon jaise platforms par zyada kharch karte hain, toh SBI Simply Click Credit Card aapke liye ek excellent choice hai. Yeh ek low-cost, high-value reward card hai jo aapki online transactions ko rewarding bana dega.
FAQ Section
Q: SBI Simply Click Credit Card ki annual fee kitni hai aur kya yeh waive ho sakti hai?
A: Is card ki annual fee generally ₹499 hai. Yeh fee tab waive ho jaati hai jab aap pichle saal mein ₹1,00,000 ya usse zyada kharch karte hain.
Q: Kya main SBI Simply Click Credit Card apply online kar sakta hoon, aur ismein kitna time lagta hai?
A: Haan, aap SBI Cards website ya mobile app ke through apply online kar sakte hain. Application process digital hai aur normally 7 se 10 working days mein card dispatch ho jaata hai, documents aur verification par depend karta hai.
Q: SBI Simply Click Credit Card review mein sabse acchi baat kya hai?
A: Is card ki sabse acchi baat iske Accelerated Reward Points hain. Online partners (jaise Amazon, BookMyShow, ClearTrip) par kharch karne par aapko 10X reward points milte hain, jo ise online shoppers ke liye highly beneficial banata hai.
Conclusion: The Smart Clicker’s Choice
2026 ke financial landscape mein, jahan digital transactions badh rahe hain, SBI Simply Click Credit Card review mein khara utarta hai. Is card ko wisely use karne par, aap apni online shopping expenses par substantial savings kar sakte hain.
Toh, der kis baat ki? Agar aap eligibility criteria meet karte hain, toh abhi official portal par jaaiye aur apna rewarding journey shuru kijiye!
