SBI SimplyClick Credit Card: Your Perfect Choice for Rewarding Spends

Unlocking great rewards with SBI Credit Cards has never been easier, especially with the SBI SimplyClick Credit Card. This card offers exciting reward rates on regular spends, making it an ideal choice for beginners in India's credit card market. 

Despite its previous fame for its 10X rewards, the SBI SimplyClick Credit Card remains a top pick, thanks to its evergreen features. Let's go through everything you need to know about this card. 

Overview 

• Type: Cashback Credit Card 
• Reward Rate: 0.20% – 2% 
• Annual Fee: 499 INR+GST 
• Best for: Online spends up to 2 Lakhs a year 
• USP: Milestone benefits 

The SBI SimplyClick Credit Card stands out as one of the premier entry-level credit cards, previous the launch of the SBI Cashback Credit Card. While the Cashback Card is tailored for online spends, the SBI SimplyClick Credit Card ensures consistent rewards, offering over 2% reward rate on annual spends of 2 Lakhs, courtesy of its milestone benefit. 

Fees & Charges 

• Joining Fee: 499 INR+GST 
• Welcome Benefit: 500 INR Amazon eVoucher 
• Renewal Fee: 499 INR+GST 
• Renewal Fee waiver: Spend 1 Lakh 

This card not only rewards you financially but also impresses with its sleek design, transitioning from a matte finish to a shiny front face. 

Rewards 

• Online Spends: ~1% 
• Offline Spends: ~0.20% 
• Select merchants (10X): ~2% 
• Points Validity: 2 Years 
• No points on discounted products on Flipkart/Amazon 

Though the point value has dropped recently, redeeming points for Amazon Pay eVouchers remains a profitable option, almost equivalent to cash. 

Milestone 

• Spend Requirement: 1 Lakh / 2 Lakh 
• Milestone Benefit: 2,000 INR Cleartrip/Yatra Voucher 
• Voucher Validity: 4 months 

Redeeming these vouchers is a breeze, making it a boon for travelers. 

Application Process 

Applying for the SBI SimplyClick Credit Card is convenient and swift, thanks to the latest sprint application system. 

Bottomline 

The SBI SimplyClick Credit Card is perfect for beginners, catering to both offline and online spending. However, if your annual spending exceeds 2 Lakhs and is primarily online, consider the SBI Cashback Credit Card for its lucrative 5% Cashback. 

In conclusion, while the Cashback Card may fluctuate in value, the SBI SimplyClick Credit Card stands strong, offering stability and rewards aplenty. Apply now and embark on your rewarding credit card journey!