SBI Lifetime Free Credit Card

Do you require a lifetime free SBI Credit Card with zero annual fees? Here, is a piece of excellent news for you: SBI Card offers a zero annual fee card for each of its existing customers. To be eligible for a free SBI Credit Card, all you need to have is a modest balance of 20,000-25,000 in your SBI Account. It is an exclusive offer for SBI Customers only.

List Of SBI LIfetime Free Credit Cards Fee & Charges

Cards Name Type of fee Charges

SBI Card Unnati Apply Now

Joining Fee Nill
Renewal Fee First 4 years Free, 499 per Year from 5th year
Finance Charges 2.5% Per Month
Overlimit Fee 2.5% ( Minimum 500)
SimplyCLICK SBI Card Joining Fee 499 ( 500 Amazon Gift Card)
Renewal Fee 499
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)
SimplyCLICK Advantage SBI Card Joining Fee 499 ( 500 Amazon Gift Card)
Renewal Fee 499
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)

SimplySAVE SBI Card Apply Now

Joining Fee 599
Renewal Fee 599
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)
SimplySAVE Advantage SBI Card Joining Fee 599
Renewal Fee 599
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)
Fbb SBI STYLEUP Card Joining Fee 499 ( 500 Fbb Gift Card)
Renewal Fee 499
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)
BPCL SBI Card Joining Fee 500 (2000 bonus reword points after 20 Days)
Renewal Fee 500
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)
Apollo SBI Card Joining Fee 500  (500 reword points )
Renewal Fee 500 (Spend More than 90000 for free reversible)
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)

Yatra SBI Card Apply Now

Joining Fee 499 (Welcome Gift of Yatra.com Vouchers worth 8,250)
Renewal Fee 499 
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)

IRCTC SBI Credit Card Apply Now

Joining Fee 500
Renewal Fee 300
Finance Charges 3.35% Per Month
Overlimit Fee 2.5% ( Minimum 500)

SBI Card Unnati

The SBI Card offers SBI Card Unnati at no annual fee and no annual charge for its existing SBI customers. The SBI Card Unnati is offered as a step in the direction to expand the penetration of digital payments in the country by providing a Card to each account holder.

Like all other SBI Credit Cards, you enjoy a host of benefits with Unnati Card, including fuel surcharge waiver, global acceptance, contactless advantage, and attractive reward points program.

Joining Fee: 

  • NIL

Renewal: 

  • Free for 4 years

Features & Benefits:

  • Secured Card, on deposit of  25,000 or more.
  • 1 Reward Point per 100 spent
  • 500 cashback on 50,000 or more spent in a year
  • Redeem points for attractive gifts listed in the Rewards Catalogue.
  • 1% fuel surcharge waiver for transactions of 500 to 3000 (taxes exclusive).
  • Accepted at over 240 Lakh outlets world-wide & 3 Lakh outlets in India
  • Fast & convenient contactless transactions for daily purchases
  • Add-On cards without any charge for your family members above the age of 18
  • Access to 1 million Visa or MasterCard ATMs globally for cash withdrawal.
  • Utility bills payment SI facility
  • Balance Transfer on EMI facility
  • Flexipay to convert your card purchases into monthly instalments.
  • "Easy Money" facility to get doorstep delivery of draft or cheque against your cash limit.

With the host of benefits that are packed with SBI Unnati Credit Card, it becomes one of the best free Credit Cards in India. There is no Joining Fee, and renewal is also free for the first four years of the card's life. From the fifth year onwards, a nominal annual charge of 499 is applicable on the card. The value back benefits on SBI Unnati Card are overtly more than what you avail on any other such card in the market.

Simply Click SBI Credit Card

SBI Simply Click can be used as a free SBI Credit Card by making use of annual fee reversal available with the card. It indeed is one of the best online shopping Credit Cards for people of all age groups. You can enjoy accelerated rewards transacting online through your Simply Click Credit Card. It is an international credit card, and you enjoy the freedom to swipe at more than 24 million Visa and MasterCard outlets across the globe. This ultimate freedom to shop at less costs you merely 499 joining fee, which is again backed by Amazon Coupons of 500. The annual fee is waivable and offers milestone rewards in the form of 2000 online shopping vouchers. You also enjoy the fuel surcharge waiver worth 300 every month. In all, SBI Simply Click Credit Card is a great lifestyle Credit Card that offers you the flexibility to shop & transact on the move with great value back offers.

Features & Benefits

Joining offer
Amazon gift card worth 500*

e-Shopping

  • 10X Reward Points shopping online on partner websites like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and UrbanClap.
  • 5X RPs on all other online transactions

Milestone Rewards

  • On achieving 1 Lakh annual online spends, you get an e-voucher worth 2,000.
  • On achieving 2 Lakh annual online spends, you get e-voucher worth 2,000.

Fuel benefits

Enjoy 1% fuel surcharge waiver transactions between 500 to 3000 (GST not included)

Annual Fee Waiver

The annual fee is waived off for next year when you achieve spends amounting to 1,00,000 in the previous calendar year. This makes your SBI Credit Card a free Credit Card.

Contactless Technology

Make instant transactions simply waving your card. It is safe & minimizes card skimming & counterfeiting instances as you need not hand over your card to make the small payments.

Rewards

  • 500 Amazon voucher as a Welcome Gift
  • 10X Reward Points at partner websites
  • 5X Reward Points on all other online spends
  • 2000 worth e-voucher on achieving the annual milestone of 1 Lakh & 2 Lakhs spends respectively.
  • 1% fuel surcharge waiver

Simply Save SBI Credit card

Simply Save SBI Credit card is a perfect first time Credit Card for anyone who is living alone or with family. You can save and accumulate rewards as you spend at restaurants, multiplexes, grocery, or departmental stores. The card comes at a nominal annual fee of 499, and the renewal fee is reversed on spending 1 Lakh or more. You get 2000 reward points as a welcome gift and thus your SBI Simply Save becomes a free credit card throughout.

Features & Benefits

  • SBI Simply Save is a lifestyle and shopping Credit Card at a nominal annual Fee of 499. The second year?s renewal fee of 499 is waived off on achieving the milestone of 1,00,000 or more in the previous year.
  • As a welcome gift, you earn 2,000 bonus Reward Points on spending 2,000 in the first 60 days of issuance of the card. You are also entitled to 100 cashback on first ATM withdrawal within the first 30 days of receiving the card. Thus, the cost of card becomes free.
  • Every 100 spent on dining, movies, or at the grocery or departmental store earns you 10 Reward points; while other spends earn you 1 Reward Point. 4 reward points are equal to Re 1. Thus you get 25 on every 100 RPs.
  • With your SBI Simply Save Card, you save refueling on your automobiles. On every transaction of 500 to 3000 (excluding GST), you get a 1% fuel surcharge waiver.
  • With SBI contactless advantage, you enjoy the ease of use and can make instant daily purchases by waving your Credit Card. You need not hand over the card for the transaction. It is fast & convenient and reduces the risk of card loss or fraud.
  • The SBI Cards have worldwide acceptance at all Visa and MasterCard outlets.
  • You can apply for Add-On cards for your family members.
  • You can pay utility bills using the Easy Bill Pay facility.
  • Besides, your SBI Credit Card offers multiple user-friendly facilities such as Balance Transfer on EMI, Flexipay, Easy Money, and much more.

Rewards

  • With your SimplySAVE SBI Card, you earn 10 reward points for spends at restaurants, movie halls, grocery, and departmental stores.
  • You can earn 1 Reward Point on every 100 spent for all other categories.
  • 4 rewards= Re 1
  • You can use your RPs to pay a Credit Card bill or redeem against cataglogue gifts.

Other Affordable SBI Credit Cards You Must Consider:

S.No. Name of SBI Card Card specific benefits & features

1.

SimplyCLICK SBI Card

  • Joining gift card by Amazon worth 500.
  • 10X Reward Points on online spends at partner websites including Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, Netmeds, Rentomojo, and UrbanClap.
  • 5X Rewards on all other online spends.
  • 2,000 worth e-voucher on 1 Lakh & 2 Lakh online annual spends.
  • 1% fuel surcharge waiver for 500 to 3000 worth transactions (taxes exclusive).
  • The card becomes free as the annual fee is waived off when you spend 1 Lakh in a year.
  • Safest & fastest transactions as powered by contactless technology.

2.

SimplyCLICK Advantage SBI Card

  • 500 worth Amazon gift card on joining.
  • 10X Reward Points on shopping at partner websites including Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, Netmeds, Rentomojo, and UrbanClap.
  • 5X rewards on all other online spends.
  • 2000 worth e-voucher on 1 Lakh & 2 Lakh annual online spends.
  • 1% fuel surcharge waiver on each transaction across all petrol pumps for the transaction between 500 to 3000 (GST exclusive).
  • Your SimplyCLICK Advantage SBI Card becomes free as you spend 1 Lakh in a year as the annual fee is waived off on achieving the spending milestone.

3.

SimplySAVE SBI Card

  • 2,000 bonus Reward Points on spending 2,000 in the first 60 days.
  • 10 Reward Points on every 100 spent for Dining, Movies, Grocery, and at Departmental Stores.
  • 1 Reward Point per 100 on all other categories.
  • 4 Reward Points = 1.
  • 1% fuel surcharge for transactions between 500 to 3,000.
  • Card is free for next year if 1,00,000 or more is spent in the previous year. The annual fee is reversed on this spending milestone.

4.

SimplySAVE Advantage SBI Card

  • 10 Reward Points per 100 spent on Dining, Movies, Grocery, and at Departmental Stores.
  • 1 Reward Point per 100 spent on other categories.
  • 4 Reward Points = 1.
  • 1% fuel surcharge waiver across all petrol pumps.
  • Card is free for next year if you spend 1 Lakh or more annually.

5.

fbb SBI STYLEUP Card

  • 500 worth welcome gift voucher by Fbb
  • 2,000 Bonus Reward Points as an annual gift
  • Flat 10% at Fbb and Big Bazaar Stores for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags; Unlimited access to the offer.
  • 10X Reward Points on dining and at Big Bazaar, Standalone Fbb, and Food Bazaar outlets.
  • 1% Fuel surcharge waiver, capped at 100 per statement cycle.

6.

BPCL SBI Card

  • 2,000 Bonus Reward Points worth 500 on joining; Redeemable at BPCL outlets, or for BPCL Vouchers or against gifts listed in Shop n Smile rewards catalogue.
  • 4.25% Valueback= 13X Reward Points on fuel refill at BPCL petrol pumps, subject to 1300 Reward Points per billing cycle + 1% Fuel surcharge waiver on every transaction up to 4,000, capped at 100 waiver per billing cycle.
  • Additional 0.75% Value back.
  • 5X Reward Points per 100 spent on Groceries, Departmental stores, Movies & Dining.
  • 5X Reward Points per 100 spent on SI Utility Bills payments.
  • 1 Reward Point per 100 spent on non-fuel retail purchases.

7.

Apollo SBI Card

  • 500 Reward Points worth 500 on joining.
  • Complimentary Apollo Silver Tier Membership.
  • 3X Reward Points per 100 spent on all Apollo services.
  • Up to 10% instant discount at select Apollo Services.
  • On annual spends of 90,000 or more, the card becomes free as the annual fee is waived off.
  • 1% fuel surcharge waiver across petrol pumps in India, capped at 100 per statement cycle.

8.

Yatra SBI Card

  • 8,250 yatra.com vouchers on joining.
  • 1,000 off* on domestic flight bookings.
  • 4,000 off* on international flight bookings.
  • 20% off on domestic hotels*, capped at 2,000 discount.
  • 6 Reward Points per 100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment, and International Spends.
  • 1 Reward Point per 100 spent on other categories.
  • 50 lakh worth complimentary air accident cover.
  • 00 worth fuel surcharge each statement cycle.

9.

Chennai Metro SBI Card

  • Dual use card as Chennai Metro Travel Card and Credit Card.
  • 2000 bonus reward points on the first 2000 spent in first 60 days.
  • 10 X Rewards on Dining, Movies, Departmental & Grocery.
  • 1 Reward Point per 100 on other categories.
  • Free membership renewal on annual spends of 1,00,000.
  • 1% Fuel Surcharge Waiver, can be availed pan India.

10.

Mumbai Metro SBI Card

  • 50 on your Mumbai Metro Smart Card
  • 2000 bonus reward points on spends of 2000 within the first 60 days.
  • Auto Top Up of 200 on low card balance.
  • 10 Reward Points per 100 spent on Auto Top Up.
  • 10 Reward Points per 100 spent on Dining, Movies, Grocery, and Departmental stores.
  • 1 Reward Point per 100 spent on other categories.
  • 1% Fuel Surcharge Waiver on all petrol pumps.
  • Card turns free as the annual fee is reversed on annual spends of 1,00,000.

11.

IRCTC SBI Platinum Card

  • One time annual fee of 500 and a nominal renewal fee of 300.
  • 350 bonus Reward Points on the first 500 or more spent within 45 days.
  • Up to 10% value back as reward points on the purchase of tickets through irctc.co.in for AC1, AC2, AC3, and AC CC.
  • 1 Reward Point = 1.
  • 1 Reward point per 125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in
  • Save 1.8% transaction charges on railway ticket bookings.
  • Save on booking at irctc.co.in, and also avail exclusive travel privileges.
  • Enjoy freedom from paying 1% fuel surcharge across all petrol pumps in India.
  • Exclusive offers on travel, golf, dining & other entertainment from Visa.

12.

Karnataka Bank SBI SimplySAVE Card''

  • 1 reward point per 100 spent.
  • Up to 2.5% value back on spends at departmental stores and grocery.
  • 1% fuel surcharge waiver.
  • 2,000 bonus reward points on spends of 2,000 or more in first 60 days.
  • 100 cashback on first ATM cash withdrawal in the first month.
  • Doorstep delivery of railway tickets booked online through irctc.co.in

13.

South Indian Bank SBI SimplySAVE card

  • 1 reward point per 100 spent.
  • Up to 2.5% value back on all spends for grocery or at departmental stores.
  • Waiver on 1% fuel surcharge across all petrol pumps.
  • 2,000 bonus reward points on 2,000 spent in first 60 days.
  • 100 cash back on first ATM cash withdrawal in the first month.

14.

KVB SBI Card

  • 2,000 bonus Reward points on 2,000 or more spent in the first 60 days.
  • Up to 2.5% value back; 10X Reward Points per 100 spent on grocery and at all departmental stores.
  • 1 Reward point per 100 spent on all other spends.
  • 4 Reward points = 1.
  • 1% of fuel surcharge across all petrol pumps.
  • Card turns free for next year on 100,000 or more annual spend in the previous year.

15.

Oriental Bank of Commerce SBI Card

  • 2,000 bonus reward points on 2,000 or more spent in the first 60 days.
  • Up to 2.5% value back; 10X Reward Points per 100 spent at Departmental and Grocery stores; 1 Reward point per 100 spent on all other categories.
  • 4 Reward Point = 1.
  • 1% fuel surcharge waiver across all petrol pumps.
  • On 100,000 or more annual spend your annual fee is waived off next year.

16.

Bank of Maharashtra SBI Card

  • 2,000 bonus reward points on 2,000 spent in first 60 days.
  • Up to 2.5% value back; 10X Reward Points per 100 spent for Grocery and departmental stores; 1 Reward point per 100 spent on all other categories.
  • 4 Reward points = 1
  • 1% fuel surcharge waiver at petrol pumps pan India
  • On annual spends of 100,000 or more, the annual fee is waived for next year.

Besides all these benefits, SBI Credit Cards are packed with a lot of benefits which are universally extended to all card members. Here is a quick list of the benefits of owning an SBI Credit Card:

Worldwide Acceptance

SBI Card is renowned brand that is accepted worldwide. Your SBI Card is essentially an international Credit Card as it can be directly swiped at over 2 crore and 40 Lakh outlets worldwide, including 3.25 Lakh outlets in India. You can practically use your SBI Card at any of the outlets that accept Visa or MasterCard.

Add-on Cards

You can apply for a free add-on card for your family members including your parents, spouse, children or siblings. The beneficiary should be above 18 years of age.

Utility Bill Payment

You can automate payment of your utility bills using Easy Bill Pay facility on your SBI Credit Card.

Balance Transfer on EMI

Each card member can enjoy BT on EMI facility on their SBI Cards. Herein, the card member saves on repayment of card balance by setting up an EMI at a lower rate of interest. The facility can be booked online.

Flexipay

With Flexipay facility you can convert transactions of 2,500 or more into easy monthly instalments. The request can be processed online using your SBI Card ID.

Easy Money

This is one of the exclusive offers by SBI Card. Herein you can request a doorstep delivery of draft or cheque against offered cash limit on your card.

All these Credit Cards by SBI Card are easy to afford as they are available at a one time, a nominal joining fee of 499. From next year onwards, you only need to spend annual renewal charge of 499 per year. The renewal fee is reversible on achieving spends milestone, and thus your SBI Card can remain lifetime free when used wisely. With each card swipe, you earn discount offers, cash back and reward points that can be redeemed to pay your card dues or against reward catalogue.

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