Apply SBI Simply Click Credit Card in 2025 – Step-by-Step Process

April 18, 2025

Credit cards aajkal ke zamane mein expenses manage karne, rewards kamane, aur apni shopping se maximum fayda uthane ka sabse convenient financial tool hai. Agar aap ek credit card ke bare mein soch rahe hain, toh Apply SBI Simply Click Credit Card ek behtareen choice hai. Kyun? Kyunki yeh online shoppers ke liye exciting benefits se bhara hua hai, aur iske liye apply karna bahut hi aasan hai.

Lekin aapke mann mein yeh sawal hoga: Apply SBI Credit Card Simply Click kaise kiya jaye? Chaliye, main aapko step-by-step guide provide karta hoon jisse aap bina kisi pareshani ke apna naya credit card hasil kar sakein.

SBI Simply Click Credit Card Benefits?

New SBI card apply karne se pehle, aayiye jante hain ki aapko iss card ko choose kyun karna chahiye:

1. Reward Points Galore: Aap partner brands jaise Amazon, BookMyShow, Cleartrip, aur bhi dusre platforms par online shopping karne par 10x rewards points kamaa sakte hain.
2. Annual Fee Waiver: Agar aap saal mein ₹1 lakh spend karte hain toh aapka renewal fee maaf ho jata hai.
3. Online Shopper’s Delight: Yeh card specially online shopping karne wale logon ke liye design kiya gaya hai, jismein aapko dher saare cashback aur reward points milte hain.
4. Fuel Surcharge Waiver: ₹500 se ₹3,000 ke beech ke transactions par 1% fuel surcharge waiver ka maza uthayein.

Apne favorite gadgets ki shopping ya apni agli vacation ki booking par points kamana kaisa lagega? Accha lagega na? Ab dekhte hain aap iske liye kaise apply kar sakte hain.

Eligibility Criteria for SBI Simply Click Credit Card

Kya aap eligible hain? Apply karne se pehle in basic criteria ko check karein:

1. Age: Aapki umar 18 se 65 saal ke beech honi chahiye.
2. Employment: Salaried aur self-employed dono hi apply kar sakte hain.
3. Income: Aapke paas ek stable income source hona chahiye (halaanki SBI officially minimum declare nahi karta, lekin usually ₹20,000 ya usse zyada monthly income expected hai).
4. Credit Score: Ek healthy credit score (typically 750+) aapki approval chances badha deta hai.

Pro Tip: Apply SBI Simply Click Credit Card karne se pehle kisi bhi credit score checker se apna free credit score check karein. Agar score accha nahi hai, toh pehle usko improve karne ke steps lein.

Documents Needed to Apply

Yahan documents ki ek checklist hai jo aapko taiyar rakhni chahiye:

• Proof of Identity: Aadhaar, PAN card, ya passport.
• Proof of Address: Utility bills, Aadhaar card, ya rental agreement.
• Income Proof: Recent salary slips, IT returns, ya Form 16.
• Photograph: Ek passport-sized photo.

Sunishchit karein ki aapke documents valid aur up to date hain kyunki koi bhi discrepancy aapke application processing mein delays la sakti hai.

Step-by-Step Process to Apply for SBI SimplyClick Credit Card

Ab jab aap taiyar hain, toh chaliye SBI credit card apply online process ke through chalte hain.

Step 1: Visit the SBI Card Website

Sabse aasan tarika hai SBI Card website (www.sbicard.com) par jana. Wahan aapko “Credit Cards” section dikhega—us par click karein aur available cards ki list mein se SimplyClick Credit Card ko find karein.

Step 2: Click on ‘Apply Now’

Jab aap card ko find kar lete hain, ‘Apply Now’ button par click karein. Isse aap ek application form par pahunch jayenge jahan aapko apna name, phone number, aur income details jaise basic details fill karni hongi.

Step 3: Verify Your Mobile Number

Jaise hi aap apna phone number enter karenge, aapko verification ke liye ek OTP (One-Time Password) milega. Aage badhne ke liye us OTP ko enter karein.

Step 4: Fill in Your Personal Details

Yahan, aapko more detailed personal information fill karni hogi jaise:

• Date of birth
• PAN number
• Address
• Employment type (salaried ya self-employed)

Step 5: Upload Documents

Ab documents upload karne ki baari hai. Sunishchit karein ki documents clearly scan kiye gaye hain aur acceptable format (usually PDF ya JPG) mein hain.

Step 6: Review and Submit

Jab saare fields fill ho jaayein, apne application ko review karein taki koi mistake na ho. Phir, ‘Submit’ par click karein aur bas, ho gaya!

Step 7: Wait for Approval

Ab jab aapne apna application submit kar diya hai, SBI team aapke details aur documents ko review karegi. Aapko email ya SMS se confirmation milegi, aur agar sab kuch theek hai, toh aapka card 7 se 10 working days ke andar pahunch jana chahiye.

Online vs Offline Application Process

Agar aap purane tarike se karna pasand karte hain, toh aap SBI Simply Click Credit Card apply offline bhi kar sakte hain. Yahan bataya gaya hai kaise:

Online Application

• Faster aur more convenient.
• Quick document uploads aur verification ki permission deta hai.
• SMS aur email ke through instant updates milte hain.

Offline Application

• Kisi SBI branch mein jakar application form request karein.
• Use manually fill karein aur apne documents personally submit karein.
• Approval ke liye wait karein, jo online process se thoda zyada time le sakta hai.

Pros and Cons of the SBI SimplyClick Credit Card:

Pros

• 10x Rewards on Partner Brands: Amazon, BookMyShow, Cleartrip jaise partner merchants par online spending ke liye 10x reward points kamayein.
• Affordable Annual Fee: Card ka annual fee ₹499 hai, jo waived off ho jata hai agar aap saal mein ₹1 lakh ya zyada spend karte hain.
• 1% Fuel Surcharge Waiver: Fuel transactions par bachat karein (₹500 aur ₹3,000 ke beech).
• Great for Online Shopping: Specially frequent online shoppers ke liye design kiya gaya hai with extra rewards on e-commerce transactions.
• Contactless Payment: Secure aur fast transactions ke liye contactless payment offer karta hai.
• Easy Application Process: Online aur offline dono application processes user-friendly aur quick hain.
• Welcome Offer: Joining par ₹500 ka Cleartrip voucher.

Cons

• Limited Reward Redemption Options: Reward points ko directly cash mein convert nahi kiya ja sakta ya wide range of outlets par use nahi kiya ja sakta.
• No Lounge Access: Kuch premium cards ke unlike, yeh card complimentary airport lounge access offer nahi karta.
• Higher Interest Rates: Agar aap balance carry karte hain toh card ka relatively high interest rate around 3.5% per month (42% annually) hai.
• No Cashback on Regular Purchases: Regular offline purchases par koi cashback nahi hai, jisse iska offline utility limited ho jata hai.
• Limited to Specific Merchants: 10x reward points sirf select partner merchants ke liye available hain, jo shayad aapki saari favorite shopping sites ko cover na karein.
• Foreign Transaction Fee: High foreign transaction fees (3.5%) isse international travelers ke liye less ideal banata hai.
• Limited Travel Benefits: Agar aap travel-specific rewards ya benefits jaise air miles dhoondh rahe hain toh yeh card best option nahi hai.

SBI Credit Card Customer Care Details

SBI Credit Card Toll-Free Number

Kisi bhi assistance ke liye, aap SBI Credit Card customer care toll-free number 1800-180-1290 par contact kar sakte hain. Yeh number general inquiries aur card-related issues ke liye 24/7 available hai.

SBI Credit Card Helpline Number

Agar aap non-toll-free line se ya India ke bahar se call kar rahe hain, toh SBI Credit Card helpline 1860-180-1290 ya 39-02-02-02 (prefix your local STD code) par contact karein. Ye numbers transactions, fees, ya other card services par queries mein help kar sakte hain.

SBI Credit Card Bill Payment

Aap apna SBI credit card bill online in methods se pay kar sakte hain:

• SBI Net Banking: SBI Net Banking mein login karein aur bill payment section se ‘Credit Card’ choose karein.
• Mobile App: Easy payments ke liye SBI Card mobile app use karein.
• NEFT: SBI Credit Card ke IFSC code: SBIN00CARDS ka use karke kisi bhi bank se funds transfer karein.
• Auto Debit: Recurring bill payments ke liye seedhe apne SBI account se auto-debit set up karein.
• UPI: Kisi bhi UPI app ka use karein, UPI ID ke roop mein apna 16-digit card number enter karein.

SBI Credit Card Customer Care Email ID

Email assistance ke liye, aap SBI Card ko customercare@sbicard.com par contact kar sakte hain. Yeh email ID general queries aur support ke liye hai, aur responses typically 1-2 business days lete hain.

SBI Credit Card Customer Care WhatsApp Number

Aap SBI Card ke customer support se WhatsApp par 90040 95522 number par contact kar sakte hain. Is number ko apne contacts mein add karein aur services jaise balance inquiries, bill due dates, aur recent transactions shuru karne ke liye “Hi” send karein.

Real-World Experiences: What Others Say

Sirf meri baat mat suniye. Kuch users se suniye jinhone already SBI SimplyClick Credit Cards ke liye apply kiya hai aur receive kiya hai.

Neha, 29, Bangalore: “Maine apne SBI SimplyClick Credit Card ke liye online apply kiya aur pure process mein 10 minutes se bhi kam time laga. Best part? Maine apna card ek hafta ke andar receive kar liya, aur ab main har Amazon purchase par reward points kamati hoon!”

Rahul, 35, Mumbai: “Maine offline apply kiya kyunki mujhe bank representatives se baat karna pasand hai. Halaki process thoda lamba tha, customer service great thi, aur unhone saare benefits detail mein explain kiye.”

Conclusion

Apply SBI Simply Click Credit Card ek blow hai, chahe aap ise online karein ya offline. Online shopping ke liye incredible rewards, low annual fees, aur dher saare other perks ke saath, yeh card kisi bhi shopping lover ke liye jo apne benefits ko maximize karna chahta hai, ek excellent choice hai. Plus, upar bataye gaye easy, step-by-step process ke saath, aap bina kisi confusion ya inconvenience ke apply kar sakte hain. Toh, aap kis baat ka intezaar kar rahe hain? Get clicking aur aaj hi rewards kamana shuru karein!

FAQs