SBI Lifetime Free Credit Card

Note: As there are no lifetime free credit cards available with SBI at present, below is the list of low annual fee SBI credit cards that you can apply for.

⇒ SBI Card Unnati

Fees:

• Joining fee: Nil
• Annual fee: Nil for 4 years & Rs. 499 after that.

Key Features:

• The annual fee of Rs. 499 is waived for the initial 4 years.
• 500 cashback on spending 50,000 or more in a year.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for transactions of 500 to 3,000.
• The card is issued against a lien on the SBI fixed deposit of 25,000 or more.

⇒ Flipkart SBI Card

Fees:

• Joining fee: Rs. 500 + taxes;
• Annual fee: Rs. 500 + taxes; Reversed on annual spends of >= Rs. 3.50 Lakhs.

Key Features:

• Welcome benefit of Rs. 250 Flipkart Gift Card and additional benefit of Rs. 1,000 on the first transaction on Flipkart.
• 7.5% cashback on Myntra.
• 5% cashback on Flipkart.
• 4% cashback on select/preferred merchants. 
• 1% cashback on all other eligible spends.
• 12% off on Cleatrip.
• 1% fuel surcharge waiver (maximum Rs. 400 per statement cycle) for transactions of 500 to 4,000.

⇒ SimplyCLICK SBI Card

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 1 Lakh.

Key Features:

• 10X reward points on online spends with exclusive partners.
• 5X reward points on other online spends.
• 1 reward point for every Rs. 100 spent on all other categories.
• Cleartrip or Yatra e-Vouchers of Rs. 2,000 on annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for transactions of 500 to 3,000.

⇒ SBI Card Pulse

Fees:

• Joining fee: Rs. 1,499 + taxes;
• Annual fee: Rs. 1,499 + taxes; Waived on annual spends of >= Rs. 2 Lakhs.

Key Features:

• Free ColorFit Pulse 4 Pro Smartwatch worth Rs. 7,999.
• Complimentary 1-year FITPASS PRO and Netmeds First memberships on joining fee payment.
• Fraud Liability Insurance Cover of Rs. 1 Lakh.
• Loss of Travel Documents Cover of up to Rs. 12,500.
• Delay in Flight Cover of up to Rs. 7,500.
• Rs. 1,500 e-Voucher on annual retail spends of Rs. 4 Lakhs.
• 10 reward points per Rs. 100 spent on Pharmacy, Chemist, Sports, Dining and Movies.
• 2 reward points per Rs. 100 spent on all other categories.

⇒ BPCL SBI Card

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 50,000.

Key Features:

• 3.25% + 1% fuel surcharge waiver on all BPCL transactions up to Rs. 4,000.
• 5 reward points (up to 5000 per month) on spending every Rs. 100 at Dining, Departmental Stores, Grocery, and Movies. 
• 1 reward point per Rs. 100 spent on all other retail purchases (except mobile wallet upload and non-BPCL fuel spends).
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle).

⇒ PhonePe SBI Card Purple

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 1 Lakh.

Key Features:

• PhonePe gift card worth Rs. 500.
• Yatra voucher worth Rs. 3,000 on annual spends of Rs. 3 Lakhs.
• 3 reward points per Rs. 100 PhonePe spends.
• 2 reward points per Rs. 100 online spends.
• 1 reward point per Rs. 100 spent on other categories.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for transactions of 500 to 3,000.

⇒ TATA Neu Plus SBI Credit Card

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 1 Lakh.

Key Features:

• 499 NeuCoins as a welcome benefit.
• NeuCoins will be credited to the cardholder’s Tata NeuPass account after realisation of the annual fee.
• 1 NeuCoin = Re 1 savings.
• 2% value back as NeuCoins on spending on the Tata Neu app/ website and partner Tata brands.
• Extra 5% value back as NeuCoins on spending on select categories on the Tata Neu app/ website.
• You can avail 4 complimentary SBI credit card lounge access per year (1 per quarter) at domestic airports.

⇒ IRCTC SBI Platinum Credit Card

Fees:

• Joining fee: Rs. 500 + GST
• Renewal fee: Rs. 300 + GST

Key Features:

• You also earn 100 cash back on the first ATM cash withdrawal within the first 30 days.
• 1 % transaction fee waiver on bookings made through IRCTC website.

On booking railway tickets for AC1, AC2, AC3, and AC CC at irctc.co.in, you earn up to 10% Valueback as Reward points. Each Reward Point fetches you 1.

⇒ SimplyCLICK SBI Card

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 1 Lakh.

Key Features:

• Amazon.in e-Gift card worth Rs. 500 on annual fee payment.
• 10X reward points on online spends on Apollo 24*7, BookMyShow, Dominos, IGP, Myntra, Netmeds, Cleartrip, Swiggy, Yatra, Gyftr, and Tata Cliq.
• 5X reward points on other online spends.
• 1 reward point per Rs. 100 spent on all other categories.
• Rs. 2,000 Cleartrip/ Yatra e-Vouchers on annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for transactions of 500 to 3,000.

⇒ SimplySAVE SBI Card

Fees:

• Joining fee: Rs. 499 + taxes;
• Annual fee: Rs. 499 + taxes; Reversed on annual spends of >= Rs. 1 Lakh.

Key Features:

• 2,000 bonus reward points (worth Rs. 500) on spending Rs. 2,000 or more in the first 60 days.
• 10X reward points per Rs. 150 spent on Movies, Dining, Departmental Stores, and Grocery.
• 1 reward point per Rs. 150 spent on all other categories.
• 1% fuel surcharge waiver (maximum Rs. 100 per statement cycle) for transactions of 500 to 3,000.

The following are the charges associated with SBI lifetime free credit cards:

• Cash advance fee at domestic & international ATMs: 2.5% or Rs. 500, whichever is higher.
• Cash payment fee: Rs. 250 + applicable taxes.
• Finance charges: Up to 3.75% p.m. (45% p.a.). 
• Late payment charges: Rs. 0 - Rs. 1,300, depending on outstanding amount.
• Additional late payment charge: Rs. 100.
• Overlimit fee: 2.5% of the overlimit amount exceeding the credit limit or Rs. 600, whichever is higher.
• Payment dishonor fee: 2% of the payment amount (minimum Rs. 500) is charged on SBI credit card apply online lifetime free or other variants.
• Utility payment fee: 1%, if the sum of all utility payments in a billing cycle exceeds Rs. 50,000.
• Rewards redemption fee: Rs. 99 (applicable on physical product, statement fee credit & vouchers sent physically).
• Card replacement: Rs. 100 - Rs. 1,500.
• Cheque payment fee: Rs. 200.
• Foreign currency transaction fee: 1.99% - 3.5%, depending on card variant.
• Processing fee on rent payment transactions: Rs. 199.
• Dynamic currency conversion fee: 1.99% - 3.5%, depending on card variant (on transactions >= Rs. 1,000 carried out in INR at an international location/ merchants located in India but registered overseas. 
• Balance transfer rate of interest: Up to 1.7% p.m. (20.40% p.a.) is charged for SBI credit card lifetime free no annual fee, or even other SBI cards.

The documents required to apply for an SBI Pulse Credit Card are mentioned below:

• Identity proof like Aadhar Card, Driving Licence, PAN Card, or Voter ID Card.
• Address proof like Aadhar Card, Utility Bills, Driving Licence, or Passport.
• Income proof including last 3 months’ bank statements and salary slips or latest audited Income Tax Return.

If you want to get a SBI credit card, you can apply online on our portal by following the steps given below:

• Click the "Apply Now" Button
  Locate and click the prominent "Apply Now" button on our page to start the application process.
• Get Redirected to Partner Website
  You'll be seamlessly redirected to our trusted partner's secure website.
• Fill in Required Details
  Provide your personal info (name, DOB, PAN), contact details, employment info, income proof, and bank statements as prompted.
• Upload Supporting Documents
  Submit scanned copies of Aadhaar, PAN card, salary slips (last 3 months), and bank statements for verification.
• Complete Verification Process
  Undergo a quick eligibility check, which may include a CIBIL score review and video KYC.
• Receive Your Card if Eligible
  If approved, you can expect to receive your card within 7-10 working days via courier, along with a welcome kit.