Question 1

Is SBI SimplyCLICK Credit Card free?

Accepted Answer

No, SBI SimplyCLICK Credit Card has a first-year joining fee of ₹499 + GST and a renewal fee of ₹499 + GST.

Question 2

Can I withdraw cash from SBI SimplyCLICK Credit Card?

Accepted Answer

Like most of the credit cards, you can withdraw money using SBI SimplyCLICK Credit Card up to your allowed cash withdrawal limit. Every transaction includes a fee of 2.5% on the advanced amount, subject to a minimum of ₹500. The interest rate is 3.35% monthly or 40.2% annually.

Question 3

What is the interest rate for SBI SimplyCLICK Credit Card?

Accepted Answer

The interest rate on SBI SimplyCLICK Credit Card is 3.35% monthly or 40.2% annually. The interest is calculated on the balance due from the starting date of the billing cycle.

Question 4

Is SBI SimplyCLICK Credit Card International?

Accepted Answer

Yes, you can use SBI SimplyCLICK Credit Card internationally and each transaction will have a 3.50% foreign currency mark-up fee. Make sure you update SBI about your travel plans by calling their customer care before your travel so that your transactions are not denied by SBI suspecting these are fraudulent.

Question 5

What is the cash advance limit for SBI SimplyCLICK Card?

Accepted Answer

SBI SimplyCLICK Credit Card up to 80% card limit allowed as cash withdrawal limit

Question 6

How can I pay my SBI Credit Card bill?

Accepted Answer

Credit card bills can be paid via multiple channels:

Mobile App
SBI ATM
Drop cheques in the 'drop box' at SBI branches
Cash payments at the bank branch
Auto-Debit facility
Net banking
Customer Care Centre
Visa money transfer
NEFT

Question 7

What is the billing date of the SBI Credit Card?

Accepted Answer

Every credit card has a billing cycle. For instance, if your SBI Credit Card billing cycle is 15th June to 15th July, then your payment will be due by 6th August, Payment due dates are 21 days from your billing date. You can get up to 51 days free credit on purchases without any finance charges being levied on to your SBI Credit Card account

Question 8

Will I be charged for IMPS transactions?

Accepted Answer

Yes. If your transaction amount is between ₹1 and ₹1 lakh, you will be charged ₹5 and the applicable GST. For transactions above ₹1 lakh and up to ₹2 lakh, you will be charged ₹15 and the applicable GST.

Question 9

Will I be charged for NEFT transactions?

Accepted Answer

No charges on online NEFT transactions. RBI has mandated banks to not to charge any fees on NEFT transactions done by savings account holders from January 1, 2020.

Question 10

How do I report that my credit card has been lost or stolen?

Accepted Answer

You must notify immediately if you become aware that your credit card has been lost, stolen or misused. Call to SBI Customer Care or report via online.

Question 11

How can I get my credit card statement?

Accepted Answer

Log in to your Internet Banking Account or Mobile app to view your credit card statement, you will receive your statement if you have registered for a paper statement. You can also call the bank customer care for credit card statement related queries.

Question 12

Is applying for a credit card will do the hard credit pull?

Accepted Answer

Whenever you apply for a credit card bank will do the “hard inquiry,” or “hard pull.” to verify your creditworthiness. So it is a chicken-and-egg problem. To get a credit card you need credit history and to build good creditworthiness you need to have a credit card and build credit history by using and repaying credit cards.

Fee Type	Charges
Cash withdrawal fee	2.5% on advanced amount, subject to minimum of ₹500
Late payment charges	No charge for up to ₹200 outstanding balance ₹100 for between ₹201 to ₹500 ₹400 for between ₹501 to ₹1,000 ₹600 for between ₹1,001 to ₹10,000 ₹800 for between ₹10,001 to ₹25,000 ₹950 more than ₹25,000
Payment dishonor fee	2% of the payment amount or ₹450
Statement retrieval fee	₹100 per statement
Card replacement charge	₹100
Over-limit fee	2.5% of the over-limit amount or ₹500
Rewards redemption fee	₹99
Fee on cash payment at branches	₹100

SBI SimplyCLICK Credit Card Offers & Benefits

SBI SimplyCLICK Credit Card

Key Details of SBI SimplyCLICK Credit Card

Pro's of SBI SimplyCLICK Credit Card

Rewards Rate of SBI SimplyCLICK Credit Card

Fee Details of SBI SimplyCLICK Credit Card

Charges of SBI SimplyCLICK Credit Card

Documentation for SBI SimplyCLICK Credit Card

Frequently asked questions