Sbi Simply Click Credit Card query

Sbi Simply Click Credit Card query

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Pikachu
Deal Lieutenant
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3683
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Is it possible to buy something more than the limit from the Sbi Simply Click Credit Card?

Like my card has a limit of 45k but I need to buy something worth 50-52k.

So is it possible if I pay in advance 5-7k and buy it? Will, that work? If yes will there be any penalty or any extra charges/fee need to pay?

21 Comments  |  
9 Dimers
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I don’t think you can.

If you are buying from Amazon or Flipkart then load 5-7k in giftcard wallet. Then select to pay with giftcard and rest pay with your credit card.

Pikachu
Deal Lieutenant
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3683
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Roushh wrote:

I don’t think you can.

If you are buying from Amazon or Flipkart then load 5-7k in giftcard wallet. Then select giftcard and rest pay with your credit card.

The thing is I need to buy oneplus 7 pro and the expecting price will be 50-52k and there is already a landing page on amazon which says SBI as card partner. So we can expect 2k cashback/discount with sbi card.

So if I load the extra amount 5-7k in Amazon and pay the rest from the card. I think I will miss out with the SBI offer?

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malikcool wrote:

The thing is I need to buy oneplus 7 pro and the expecting price will be 50-52k and there is already a landing page on amazon which says SBI as card partner. So we can expect 2k cashback/discount with sbi card.

So if I load the extra amount 5-7k in Amazon and pay the rest from the card. I think I will miss out with the SBI offer?

Bro load 5,7k extra in Amazon pay nd pay remaining amount from Ur credit card sunglasses joy
I think you can avail SBI Bank offer also bcoz u r paying remaining amount through Credit card

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Critic
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malikcool wrote:

The thing is I need to buy oneplus 7 pro and the expecting price will be 50-52k and there is already a landing page on amazon which says SBI as card partner. So we can expect 2k cashback/discount with sbi card.

So if I load the extra amount 5-7k in Amazon and pay the rest from the card. I think I will miss out with the SBI offer?

Can’t say for sure about this particular instance but usually partial payments qualify for discount. I have tried it in recent sales.

BTW check the terms.

Pikachu
Deal Lieutenant
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3683
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Stardeals wrote:

Bro load 5,7k extra in Amazon pay nd pay remaining amount from Ur credit card sunglasses joy

Yes. I know that. smile But the point is if I pay partial payment from amazon pay and remaining from card then I will miss out with the Card offer? As usually, the card offer is applicable when we pay the whole amount from it. Isn’t it?

Pikachu
Deal Lieutenant
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Roushh wrote:

Can’t say for sure about this particular instance but usually partial payments qualify for discount. I have tried it in recent sales.

BTW check the terms.

Ohh. Okay. I wasn’t aware of this thing. Thank you for your inputs. I will read out the terms once it’s uploaded.

Cropped2899176046513634867
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malikcool wrote:

Yes. I know that. smile But the point is if I pay partial payment from amazon pay and remaining from card then I will miss out with the Card offer? As usually, the card offer is applicable when we pay the whole amount from it. Isn’t it?

You’ll get Bank offer benefits bro…Don’t worry, bcoz u r making partial payment through cc sweat_smile sunglasses
Last time during amazon summer sale , same I did nd got 10% off but only for that amount which I paid using DC

Pikachu
Deal Lieutenant
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Stardeals wrote:

You’ll get Bank offer benefits bro…Don’t worry, bcoz u r making partial payment through cc sweat_smile sunglasses

Ohh. Great. Thank a lot. Hope it works. sunglasses sunglasses

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Deal Subedar
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malikcool wrote:

Ohh. Great. Thank a lot. Hope it works. sunglasses sunglasses

Yes. It will. Don’t worry.
Rather, it makes more sense to use only that amount from cc for which you will exhaust instant discount limit and buy AGCs at discounted price for the rest.
For example: If the cost of the phone is 50k and SBi offer is 10% instant discount upto 2k then pay 20k using card and remaining 30k using AmazonPay balance. Assuming you can buy 30k AGCs at 5% discount.

Pikachu
Deal Lieutenant
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sardasa wrote:

Yes. It will. Don’t worry.
Rather, it makes more sense to use only that amount from cc for which you will exhaust instant discount limit and buy AGCs at discounted price for the rest.
For example: If the cost of the phone is 50k and SBi offer is 10% instant discount upto 2k then pay 20k using card and remaining 30k using AmazonPay balance. Assuming you can buy 30k AGCs at 5% discount.

Yes. It does make sense. The only thing I wasn’t aware that with partial payment the card offer is applicable. I’m glad I have learnt something new today.

Do you know any website currently offering a 5% discount on the amazon gift card? Because I simply don’t want to buy from trading section people. It’s always risky.

So I would be glad if you know any current offer on Amazon gift card online and let me know?

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sardasa wrote:

Yes. It will. Don’t worry.
Rather, it makes more sense to use only that amount from cc for which you will exhaust instant discount limit and buy AGCs at discounted price for the rest.
For example: If the cost of the phone is 50k and SBi offer is 10% instant discount upto 2k then pay 20k using card and remaining 30k using AmazonPay balance. Assuming you can buy 30k AGCs at 5% discount.

Indeed.

He should only pay 20k with credit card and rest with gift vouchers which he can get for 4-5% discount from here. So more discount for him.

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Deal Subedar
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malikcool wrote:

Yes. It does make sense. The only thing I wasn’t aware that with partial payment the card offer is applicable. I’m glad I have learnt something new today.

Do you know any website currently offering a 5% discount on the amazon gift card? Because I simply don’t want to buy from trading section people. It’s always risky.

So I would be glad if you know any current offer on Amazon gift card online and let me know?

MobiKwik and magicpin only

Pikachu
Deal Lieutenant
11
3683
52

@Roushh @Stardeals @sardasa1 Thanks a lot to all of you. I open the thread so I can get the solution to saving 2k of the amount.

But now I am ending with up with saving even more (With buying gift card) with all of your suggestions. Thanks a lot once again to all. You guys are just brilliant.

Karma pending as It’s not allowing me. (Oops, You cannot give karma again right now)

Cropped 749861292
Deal Subedar
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malikcool wrote:

@Roushh @Stardeals @sardasa1 Thanks a lot to all of you. I open the thread so I can get the solution to saving 2k of the amount.

But now I am ending with up with saving even more (With buying gift card) with all of your suggestions. Thanks a lot once again to all. You guys are just brilliant.

Karma pending as It’s not allowing me. (Oops, You cannot give karma again right now)

Glad I can help blush

Tenor %281%29
Deal Cadet
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I am sure that will help, btw, you can check with bank. Everybody have some overlimit tied to their credit card, which has to be cleared the very same day otherwise you get personal loan interest on that starting day 1.
It happened with me, i have overshoot my credit limit of SBI Prime card.

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malikcool wrote:

@Roushh @Stardeals @sardasa1 Thanks a lot to all of you. I open the thread so I can get the solution to saving 2k of the amount.

But now I am ending with up with saving even more (With buying gift card) with all of your suggestions. Thanks a lot once again to all. You guys are just brilliant.

Karma pending as It’s not allowing me. (Oops, You cannot give karma again right now)

Check minimum amount first for offer & then buy Amazon Gift card for rest of the amount.

Pikachu
Deal Lieutenant
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3683
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_One_Miller_ wrote:

Check minimum amount first for offer & then buy Amazon Gift card for rest of the amount.

Yes. Sure. Waiting for the tnc.

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Deal Subedar
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@malikcool
Sometimes in Amazon/Flipkart if any card offer is there for a particular phone, they want full amount to be paid by the card itself. Not even 1rs from the wallet. Please carefully check about this point in the TnC, and also get a clarity by cc also once before you buy it.

Missing
Deal Cadet
102
739
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@malikcool it should work.. Make sure payment is reflected on sbi card before doing the transaction.

Pikachu
Deal Lieutenant
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manikantaks4u wrote:

@malikcool
Sometimes in Amazon/Flipkart if any card offer is there for a particular phone, they want full amount to be paid by the card itself. Not even 1rs from the wallet. Please carefully check about this point in the TnC, and also get a clarity by cc also once before you buy it.

Yes. Got your point. Will check the TNC thoroughly.

Sb
Deal Cadet
140
188
2

It should be fine if you pay the difference upfront to buy and it should have no extra charge.. done this in old days when my card limit was low with Amex and citi

I suggest check with sbi CC

Missing