SBI Simply Click Credit Card Apply

SBI Simply Click Credit Card Apply – how to Apply Process

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Introduction

Credit cards have become an essential financial tool for online shopping, bill payments, and managing expenses. Among the many options available, the SBI Simply CLICK Credit Card apply stands out as one of the easiest cards to get approved.

One major advantage of this card is the simple application process. In many cases, applicants do not need to submit income proof or complete a video KYC. If your credit score is good, the bank evaluates your profile and may approve the card quickly. The credit limit is also determined based on your credit score and will be shown during the application process.

This guide explains the charges, benefits, and the exact steps required to apply for the card online.

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Key Charges of the SBI SimplyCLICK Credit Card

Before applying, it is important to understand the basic fees associated with the card.

Annual and Renewal Charges

  • Joining Fee: ₹500 + GST
  • Annual Renewal Fee: ₹500 + GST

Amazon Gift Voucher Benefit

For many users who already have an account relationship with SBI, the bank provides a ₹500 Amazon gift voucher. This effectively covers the joining fee.

Renewal Benefit

If you spend ₹100,000 within the first year, you receive a ₹2,000 voucher reward. This makes the renewal fee worthwhile for active users.

Reward Points and Online Shopping Benefits

One of the biggest advantages of this card is the reward structure.

10X Reward Points on Partner Platforms

When you make payments on certain online platforms, you earn 10X reward points.

These points can later be converted into:

  • Cash value
  • Gift vouchers
  • Shopping rewards

This makes the card particularly useful for frequent online shoppers.

SBI Simply CLICK Credit Card Apply

Extra Discounts on E-Commerce Platforms

Using the SBI SimplyCLICK card on major platforms like

  • Amazon
  • Flipkart

often provides additional discounts and cashback offers, making it attractive for online purchases.

Step-by-Step Process to Apply for the SBI SimplyCLICK Credit Card

Below is the simplified online application process.

Step 1: Visit the Official Website

Open the official SBI Card website and click on “Start Apply Journey.”

If you had already started the application earlier but did not finish it, you can click “Retrieve Application” to continue from where you stopped.

Step 2: Fill Personal Details

Enter the following information:

  • First Name
  • Middle Name (if applicable)
  • Last Name
  • Mobile Number

After entering the details, verify your mobile number using the OTP sent to your phone.

Step 3: Enter Location and PAN Details

You will then need to provide:

  • City name
  • PAN number
  • Date of birth

After confirming these details, continue to the next section.

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Step 4: Additional Personal Information

You will be asked for:

  • Mother’s name
  • Email ID
  • Referral code (optional)

After completing this section, proceed to professional details.

Step 5: Provide Professional Details

Choose the category that matches your situation:

  • Salaried person
  • Self-employed person
  • Retired person

Retired applicants often have a lower approval chance. Most applicants should select either salaried or self-employed.

Then enter:

  • Company name or business name
  • Designation or profession

Click Continue to proceed.

SBI Simply Click Credit Card Apply

Step 6: Enter Address Details

Provide your address. You can enter the same address used in your Aadhaar card.

This address will be used to deliver the physical credit card once approved.

If you want the card delivered to a different address, select “My address has changed” and update the new location.

Step 7: DigiLocker Verification

You will then verify your identity using DigiLocker.

Steps include:

  1. Enter your Aadhaar number
  2. Complete OTP verification
  3. Enter or create a DigiLocker PIN

This step confirms your identity digitally.

Step 8: Check Eligibility

After submitting the information, the system will check your eligibility.

Two outcomes are possible:

  • Eligible: You can proceed with the application.
  • Not eligible: The application process stops.

If eligible, click Continue to move to the KYC process.

Step 9: Complete Selfie Verification

You will be asked to take a selfie for identity verification. This replaces the need for video KYC.

To verify your bank account, SBI performs a ₹1 verification transaction.

The process works like this:

  1. SBI sends ₹1 to your bank account.
  2. You send ₹1 back using UPI or net banking.
  3. This confirms your bank account ownership.

You will need to enter:

  • Bank name
  • Account number
  • IFSC code

After receiving the ₹1 credit, send ₹1 back to complete verification.

SBI Simply Click Credit Card Apply

Step 11: Choose Payment Method

You can return the ₹1 using the following:

  • UPI
  • Net banking

Once the payment is successful, your bank verification is completed.

Virtual Card and Delivery Timeline

After completing the application, your virtual credit card will appear immediately on the screen with your name.

You will also see your approved credit limit.

The physical card will be delivered to your address within 5 to 7 working days.

If needed, you can click “Show CVV” to view the CVV of the virtual card and start using it online immediately.

Managing Your Card Using the SBI Card App

To manage your card efficiently, download the SBI Card app from the Play Store.

Log in using the same mobile number used during the application. Through the app, you can:

  • Check credit limit
  • View transactions
  • Download statements
  • Manage payments

Conclusion

The SBI SimplyCLICK Credit Card is designed for people who frequently shop online and want an easy approval process.

With minimal documentation, reward points, and extra discounts on platforms like Amazon and Flipkart, it can be a practical choice for regular digital purchases.

If you have a good credit score, the application process is straightforward and can be completed entirely online. Once approved, you can start using the virtual card immediately while waiting for the physical card to arrive.

If you still have questions about reward points or converting them into cash or vouchers, consider exploring SBI’s reward program in detail before applying.

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