SBI Lifetime Free Credit Card

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 worldwide & 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 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.

SBI SimplyCLICK 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 SimplyCLICK 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 SimplyCLICK 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.

Also Check: SBI Credit Card Airport Lounge Access

SimplySAVE 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 SimplySAVE Credit Card becomes a free credit card throughout.

Features & Benefits

• SBI SimplySAVE 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 SimplySAVE 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.

Besides all these benefits, SBI Credit Cards are packed with a lot of benefits which are universally extended to all card members.

Also Check: SBI Lifetime Free Credit Card

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 the offered cash limit on your card.

All these Credit Cards by SBI Card are easy to afford as they are available at one time, a nominal joining fee of 499. From next year onwards, you only need to spend an 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, cashback, and reward points that can be redeemed to pay your card dues or against the reward catalogue.

Also Check: How to Activate SBI Credit Card?