SBI SimplyClick Credit Card is one of the very few credit cards in India that has pretty good reward rate on regular spends for beginners.
While it used to be one of the most sought after entry-level credit card in the past because of the 10X rewards, it’s still a good pick in it’s current form.
Overview
Type
Cashback Credit Card
Reward Rate
0.20% – 2%
Annual Fee
499 INR+GST
Best for
Online spends upto 2 Lakhs a year
USP
Milestone benefits
SBI SimplyClick Credit Card has been the only best entry-level credit card until the launch of SBI Cashback Credit Card.
While SBI Cashback Credit Card is primarily meant for online spends with the possibility of getting devalued anytime, SBI SimplyClick Credit Card is evergreen and could get you a decent reward rate of over 2% on annual spends of 2 Lakhs, thanks to the milestone benefit, which we’ll see shortly.
Fees & Charges
Joining Fee
499 INR+GST
Welcome Benefit
500 INR Amazon eVoucher
Renewal Fee
499 INR+GST
Renewal Benefit
–
Renewal Fee waiver
Spend 1 Lakh
While Amazon voucher takes care of the fee for 1st Year, annual spend of just 1 Lakh is sufficient for the renewal fee to be waived off, which is easy for most cardholders in the segment.
Design
SBI SimplyClick Credit card is probably one of the few entry-level cards that also looks good in terms of design.
Earlier it used to be in matt finish and now it’s being issued with a shiny front face that looks more appealing.
Rewards
SPEND TYPE
CASHBACK %
Online Spends
~1%
Offline Spends
~0.20%
Select merchants (10X)
~2%
Points Validity: 2 Years
No points on discounted products on Flipkart/Amazon
Note that the point value on SBI SimplyClick Credit Card has dropped from 25ps to 20ps recently.
But the good thing is that we can redeem points for Amazon Pay eVouchers which is almost cash equivalent.
The SBI SimplyClick Credit Card was quite popular in the past because of it’s 10X rewards especially on Amazon for obvious reasons but that it no longer available.
While the current partners are decent, the drop in point value further makes it less attractive than it used to be.
Milestone
SPEND REQUIREMENT
MILESTONE BENEFIT
VOUCHER TYPE
1 Lakh
2,000 INR
Cleartrip/Yatra
2 Lakh
2,000 INR
Cleartrip/Yatra
Yatra Voucher: Can be redeemed for flights/hotels
Cleartrip Voucher: Can be redeemed only for flights
Voucher Validity: 4 months
Voucher is usually triggered in ~2 weeks of reaching the milestone.
This is a neat and simple benefit which is useful for travellers. While they used to have only Cleartrip Voucher in the past, it seems they’re now offering Yatra Vouchers.
So by reaching the milestone through typical online spends, one could easily get a sweet reward rate of 3% which is great for this segment.
My Experience
I was using SBI SimplyClick Credit Card in the past, before moving to SBI Prime for few years and then to Aurum.
Back in time I got the Cleartrip vouchers which I used for a stay in Malaysia. The redemption was quick and simple.
And I recently downgraded my Aurum to Simplyclick once again to primarily retain the credit limit on the card.
And for the milestone spends, this time I got the Yatra Vouchers. Hope the redemption is as simple as it used to be on Cleartrip.
While I haven’t used the Yatra voucher, from t&c it appears to be a straightforward process to redeem them as well.
How to Apply?
SBI SimplyClick Credit Card can be applied online which uses the latest sprint application system for quicker processing.
If you’re new to the sprint application process, this article may help: SBICard Sprint Credit Card Application Process.
Bottomline
Cardexpert Rating: 4/5
The SBI SimplyClick Credit Card is great for beginners who can spend 1L (or) 2L a year, at offline stores or online.
If your annual spends are over 2 Lakhs and if they’re primarily online then you should instead go for the SBI Cashback Credit Card that offers lucrative 5% Cashback on online spends.
While the Cashback Card is the hot pick for beginners since 2022, it may anytime go for the next round of devaluation.
Nevertheless, SBI SimplyClick Credit Card also serves as a solution to hold the credit limit until the next premium credit card arrives.
Do you hold SBI SimplyClick Credit Card? Feel free to share your thoughts in the comments below.
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How to Make Hydrogen Water : Unravel the science and process behind making hydrogen water. With the emphasis on clean hydrogen production and the potential benefits of hydrogen-rich water, understanding how to produce hydrogen from water is now more crucial than ever. This article provides a comprehensive look into the methods, advantages, and potential impacts of consuming hydrogen water.
What is Hydrogen Water?
Hydrogen water is simply water that contains dissolved hydrogen gas. When you drink the water, you are essentially consuming molecular hydrogen. This is different from regular water which does not have additional hydrogen molecules. Interested in the benefits of different water types? Learn about the differences between alkaline vs spring water.
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How to Produce Hydrogen from Seawater and Regular Water?
The primary method to produce hydrogen from water is through electrolysis. In this process, an electric current is passed through water, splitting water into hydrogen and oxygen. This method can be applied to both seawater and pure water, but producing hydrogen from seawater requires additional steps to handle the salt content. If you’re interested in the equipment to produce different types of waters, check out this alkaline water ionizer and multifunctional water ionizer.
Benefits of Drinking Hydrogen Water: Are there any?
Numerous studies indicate that hydrogen water may reduce oxidative stress in the body, combatting conditions related to reactive oxygen species. An open-label pilot study showed improved antioxidant capacity in subjects after drinking hydrogen-infused water daily. Wondering about alkaline water benefits? Dive into this article on benefits of alkaline water for weight loss.
Understanding the Electrolysis Process
Electrolysis involves using an anode and a cathode (electrodes) submerged in water. When electric current flows through these electrodes, water molecules are broken down, releasing oxygen and hydrogen gas. For more insights on the differences in water types, here’s a comparison between alkaline water and distilled water.
Difference Between Hydrogen Water and Plain Water
While both hydrogen water and plain water are essential for hydration, hydrogen water contains additional hydrogen. This means it carries the potential antioxidant benefits associated with molecular hydrogen, which plain water does not. If you’re keen on knowing how various types of water taste, explore this article on the taste of alkaline water.
While hydrogen is generally recognized as safe to consume in water, inhaling hydrogen gas might not have the same safety profile. More studies are needed to confirm the long-term effects of inhaling hydrogen. Speaking of water intake, discover the recommended alkaline water daily intake.
Why is Clean Hydrogen Important?
Hydrogen production often relies on fossil fuels, but clean hydrogen, derived from carbon-free methods like water electrolysis powered by solar or wind energy, is better for the environment. The U.S. Department of Energy emphasizes research and development in clean hydrogen production.
Can Hydrogen Water Help Reduce Oxidative Stress?
Hydrogen water’s potential in reducing oxidative stress is promising. Oxidative stress, caused by an imbalance of antioxidants and reactive oxygen species, can lead to various health issues. Drinking hydrogen-rich water may assist in balancing this by neutralizing harmful free radicals.
The Future of Hydrogen Fuel and its Production
With the emphasis on clean energy, hydrogen fuel produced using methods like electrolysis is seeing increased interest. As we look forward to the future of water and its benefits, understand how improving coffee with alkaline water can make a difference in your daily routine.
Key Takeaways:
Hydrogen water contains dissolved hydrogen gas, potentially offering antioxidant benefits.
Producing hydrogen from water mainly involves the electrolysis process.
Hydrogen-rich water might help counteract oxidative stress.
Clean hydrogen, especially from renewable sources, is an essential part of a sustainable energy future.
While drinking hydrogen water might be beneficial, inhaling hydrogen gas needs further studies for safety validations.
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FAQs
How is hydrogen produced from seawater?
Hydrogen can be produced from seawater through a process called electrolysis. This involves splitting water into hydrogen and oxygen using electrical energy. The seawater acts as a source for water in this process. To understand more about where alkaline water, including hydrogen water, comes from, visit this link.
Are there any benefits of drinking hydrogen water?
Yes, there are studies that suggest that drinking hydrogen-rich water can have positive effects on the antioxidant status of subjects, potentially helping with issues like oxidative stress and metabolic syndrome. In addition to hydrogen water, you can explore the many benefits of alkaline water.
How does hydrogen fuel compare to fossil fuels?
Hydrogen fuel, when used in a fuel cell, produces only water as a byproduct, making it a clean energy source. In contrast, burning fossil fuels releases carbon dioxide and other pollutants into the atmosphere.
What is the role of electrolysis in hydrogen production?
Electrolysis is a method used to split water into hydrogen and oxygen using an electric current. When it comes to producing hydrogen from water, especially seawater, electrolysis is a widely recognized method. For a detailed guide on the differences between hydrogen water and alkaline water, refer here.
How much hydrogen can be generated from water?
The amount of hydrogen generated from water largely depends on the method used and the efficiency of the process. Using special equipment like an electrolyzer with a proton exchange membrane can yield higher amounts.
Are there any potential side effects of consuming hydrogen-rich water?
There’s ongoing research into the effects of hydrogen-rich water. However, as of now, the Food and Drug Administration (FDA) has not provided definitive guidelines. Initial studies, including open-label pilot studies, have shown potential benefits, especially concerning antioxidant status of subjects with potential metabolic issues. To learn about the potential benefits of alkaline water for the skin, click here.
What are the latest advancements in hydrogen production?
There are continuous efforts to enhance the effectiveness of hydrogen production methods. Recent developments involve new methods that may be simpler or more efficient than traditional methods. For instance, research on the proton exchange membrane in electrolyzers shows promise in enhancing hydrogen generation.
How does the production of hydrogen impact carbon dioxide levels?
Producing hydrogen through electrolysis does not produce carbon dioxide if renewable energy sources power it. This contrasts with methods that rely on fossil fuels, which do produce carbon dioxide.
How reliable is the scientific literature on hydrogen water?
The scientific literature on hydrogen water, including studies by researchers like Toyoda, Nakao, Sato, and Sharma P, provides valuable insights. However, as with any scientific topic, it’s crucial to ensure the research is peer-reviewed and to consider the broader context of scientific consensus. If you’re looking to boost your immunity, you might also be interested in how alkaline water can help.
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RAM
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GPU
INFUSION Engine 3 offers hardware acceleration for import and export by Intel, NVIDIA and AMD
Disk
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Customer Reviews
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Best Sellers Rank
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About this item MAGIX Video Pro X16
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Intel i3 or better, 2GHz+. (Intel 6th Gen or newer recommended)
RAM
4GB RAM (8GB required for HD and 4K videos)
GPU
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About this item Wondershare Filmora
This Product includes Access to Free Library.
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