Credit Card
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To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
- The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
- I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
- I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
- I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
- I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
- I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
- I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
- By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
- I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
- I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
- I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________
Address : ____________________________
Date : ____________________________
About SimplyCLICK Advantage SBI Card
Be ready to pack reward points on spending at online brands and that too at the rate of 5X and 10X rewards. If the reward points are not enough, there are e-vouchers, fuel surcharge waiver and annual fee reversal on crossing the milestone spends. All that and much more make SimplyCLICK Advantage SBI Card an exciting proposition for the cardholders. So, why to wait? Go for it today and enjoy the benefits.
Features of SimplyCLICK Advantage SBI Card
List of remarkable features offered by SimplyCLICK Advantage SBI Card are mentioned below.
- Amazon.in Gift Card worth ₹500 on joining
- 5X reward points on online spends
- 10X reward points on online spends with exclusive partners
- E-vouchers worth ₹2000 on annual online spends
- 2.5% fuel surcharge waiver for each transaction between ₹500 & ₹3000
- 1% fuel surcharge waiver for each transaction between ₹500 & ₹3000
- Spend ₹1,00,000 and get annual fee of ₹499 reversed
Fees & Charges
- Annual Fee:₹499 (one-time)
- Renewable Fee:₹499 (per annum)
- Add-on Fee: Nil (per annum)
- Late Payment Charges:Nil for amount due from ₹0-200
- ₹100-750 if the due amount is greater than ₹200 and up to ₹10,000
- Card Replacement Fee: ₹100
- Over Limit Charges: 2.50% of over limit amount subject to a minimum of ₹500
- Cash Payment Fee: ₹100
- Cash Advance Fee: 2.5% of transaction amount, subject to a minimum of ₹300
- Finance Charges: 2.50% per month
SimplyCLICK Advantage SBI Card Credit Limit
The credit limit would be based on the income, repayment potential and credit score an applicant may have. If you are good on these fronts, don’t be surprised to bag away a greater limit compared to someone struggling on all three. As far as credit score goes, it should be more than 750 to get more limits. Greater limits, however, do not mean you should utilize a heavy chunk of credit and raise the debt amount for you to pay. So often a greater credit utilization drags one into a merciless debt trap. Be judicious on your card spends and prevent the bills from rising exorbitantly.
Eligibility Criteria
Know the eligibility criteria of SimplyCLICK Advantage SBI Card by reading the points below.
- An applicant should be an Indian resident
- He/she should not be less than 18 years of age and should not be more than 65 years.
- An applicant should have a good credit score and should not be a previous loan/credit card defaulter.
Documents Needed
For your reference, below are the important documents you need to carry while applying for SimplyCLICK Advantage SBI Card.
- Proof of Identity
- Proof of Address
- PAN Card
- ITR or salary slips for the last 2 months
- Passport sized photographs
How to Apply for SimplyCLICK Advantage Card Online?
Don’t know how to apply for the card? No worry, as you can simply visit the SBI’s website and then go to credit card section. Within the section, you can find ‘Apply Now’ underneath the card name. Just click on that button to be directed to a page asking you to answer a few simple personal, professional and credit queries. Post answering all that, you can click on ‘Submit’ button at the bottom. Your application will thus get processed to the next stage wherein the bank would check the details thoroughly. Only when the details so entered come true in SBI’s investigation, you would get an approval for a card.
Application Status Online
Knowing the real-time status of your SBI credit card is no more a hassle as the bank offers you an online facility, wherein you can easily check the actual status of your card anytime. You just need to visit the site online and enter your application number, and the moment you do so, the site will reflect the real-time status of your card, whether it spending or approved.
SimplyCLICK Advantage SBI Card Statement
Get the monthly statement of your SimplyCLICK Advantage card without any hassle. The bank offers you this online facility, wherein you need to give your registered email to the bank so as to receive the statements monthly. With the help of these statements, you can check all the transactions made via your card and can keep an eye on extra spends.
Customer Care 24×7 Number
When it comes to credit card helpline numbers, all you need to do is just get in touch with the bank by dialing 39 02 02 02 (prefix local STD code) or 1860 180 1290. You are free to dial these numbers anytime, from anywhere so as to get the answers of all your queries and concerns related to SBI credit cards.
