The State Bank of India, SBI SimplyCLICK Credit Card has been crafted especially for those who shop online but are also in a desire to enjoy a good deal on their expenditure. This credit card offers specific discounts and rewards on shopping along with other digital platforms like Amazon, BookMyShow, Cleartrip, Lenskart, and UrbanClap.
In today’s digital era, the trend of online shopping is growing very fast. To fully involve yourself in this digital world, it has become very important to choose the right credit card. In such a situation, if you are looking for a credit card that offers better benefits and rewards, especially for online shopping, then the SBI SimplyCLICK Credit Card can be the right choice for you.
A special feature of this credit card is that the annual fee is very nominal, which makes it better for the common people. Apart from this, with this card, you also get a great welcome gift on your first purchase, which makes your shopping experience even more special.
What is the SBI FBB Style Up Credit Card?
SBI is a very famous and trusted bank in our country India which provides all the services related to debit cards and credit cards to its customers. Of course, you too will have an account in SBI Bank and if you use an SBI credit card, then you will also get to see many benefits in it.
Among all the credit cards of SBI, the best is the SBI SimplyCLICK Credit Card which provides a welcome gift of ₹500 to the card holders on payment of an annual fee of ₹499 + GST , and along with that, you get up to ₹4000 Spend Best Traveling Gift Voucher, food, travel, health-related benefits, entertainment, and many other benefits on using the Spirit Card.
SBI SimplyCLICK Credit Card can be a very great option for online shopping because if you do online shopping using a credit card then you can get up to 2.5% reward value in it and let me tell you that the value of 1 reward point is 25 paise.
How is the design of the Credit Card?
The SBI FBB Style Up Credit Card is sleekly designed, full of style, and has a bright look that defines the modern fashionable theme. Generally, it’s mostly a card made of bold colors and a very clean layout that contains the FBB logo with the branding of SBI on it. Overall, it appeals to the most fashion-conscious user as its design catches the eye but at the same time gives out an elegant appeal to match your lifestyle.
What are the benefits of the SBI FBB Style Up Credit Card?
Some of the top benefits include:
- Fashion Rewards: You receive 5 reward points per ₹100 spent at FBB and other partner brands. It is a good choice for shopping for clothing and accessories.
- Welcome Benefits: You will get a ₹500 voucher on your first purchase that you can redeem at FBB stores.
- Reward Points on Every Purchase: Reward points are received on all spending except for transactions mentioned above and at FBB, where there are special offers. You would receive 1 reward point on every ₹100 spent on purchases.
- Exclusive Offer and Discount on Fashion: On all fashion-related purchases, exclusive offers and special discounts are available at FBB.
- Surcharge on Petrol: For all fueling stations, the card offers a waiver of the fuel surcharge at 1%.
- Milestone Benefits: On spending specific amounts annually, you can earn bonus reward points, which can be redeemed for shopping vouchers.
What are the fees for the SBI FBB Style Up Credit Card?
Here is a simple breakup of the SBI FBB Style Up Credit Card fees.
Joining Fee | ₹4,99 + GST (one-time fee when you get the card). |
Annual Fee | ₹4,99 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.50% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹600, whichever is higher. |
Late Payment Fee | For Statement Balance Rs.0 to Rs.500: NILRs.500 to Rs.1,000: Rs.400Rs.1,000 to Rs.10,000: Rs.750Rs.10,000-Rs.25,000: Rs.950Rs.25,000-Rs.50,000: Rs.1,100Rs.50,000 and above: Rs.1,300 |
What are the criteria for getting a Credit Card?
The following are the primary requirements:
- To apply for the SBI FBB Style Up Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for SBI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an SBI FBB Style Up Credit Card?
The documents that you will have to submit to get an SBI FBB Style Up Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the SBI FBB Style Up Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your SBI FBB Style Up Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the SBI FBB Style Up Credit Card?
The credit amount you can spend is what you are provided with Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an SBI FBB Style Up Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the SBI Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the SBI FBB Style Up Credit Card.
- Just hover your cursor on the SBI FBB Style Up Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest SBI Bank branch to apply for the Credit Card.
- Request for the credit card application form of the SBI FBB Style Up Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the SBI FBB Style Up Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an SBI FBB Style Up Credit Card in 2025 be right?
Yes, getting an SBI FBB Style Up Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
SBI SimplyCLICK Credit Card is an ideal option for frequent online shoppers, who wish to earn more rewarding points on their spending. Through this credit card, you can make your online shopping experience more rewarding.
The many benefits, such as an easy annual fee structure, welcome gift, and additional reward points on leading e-commerce platforms, make it a fantastic credit card.
Besides these facilities, the high-security feature with the easy replacement for the SBI SimplyCLICK Credit Card has further made it sound. So if you wish your online shopping experience to be both smart and rewarding, the SBI SimplyCLICK Credit Card will be the most suitable choice.
Frequently Asked Questions (FAQ’s)
Ans: Yes, you can enjoy an interest-free period of up to 20-50 days depending upon the billing cycle, provided the outstanding balance is cleared before the due date.
Ans: If you do not pay or skip a payment, you will have to pay the late fee with interest charged on the balance that is past due.
Ans: Yes, while the card will give you some benefits in select fashion stores and retailers beyond FBB, you can accumulate reward points with its purchases across any other store locations and redeem the points to acquire rewards.
Ans: You can check your reward points balance using the SBI Card mobile app or log in to the SBI Card website.
Ans: Yes, the card gives bonus reward points when you spend a certain amount annually. Those can be used to redeem vouchers or products.