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Talk to Expert

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Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

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SBI Lifetime Free Credit Cards

Home State Bank of India SBI Lifetime Free Credit Cards
Updated: 19-02-2026 07:44:02 AM

SBI Card offers several credit cards that come with welcome benefits worth their joining fee, along with spend-based annual fee waiver benefits. Both these features together make many SBI credit cards effectively free. However, currently, SBI Card does not offer any true lifetime-free credit card that comes with zero joining and annual fees without any associated condition. So, if you wish to get an SBI lifetime free credit card, you can instead opt for a low annual fee card that provides a joining bonus amount that matches its first year fee and a renewal fee waiver option that you can unlock based on your spending habits. You may also get select SBI lifetime free credit cards if there is any limited time offer extended by the provider. Read on to know about such SBI credit cards.

Best SBI Lifetime Free Credit Cards in India

Since SBI Card does not currently offer any lifetime-free credit card, here is the list of the best entry-level SBI cards with low annual fee:

Flipkart SBI Card
flipkart-sbi-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% cashback on Myntra

5% cashback on Flipkart & Cleartrip

Cashback
Online Shopping
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Product Details

  • 4% cashback on Netmeds, PVR, Uber & Zomato
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 4,000
  • Annual fee reversal on spending Rs. 3.5 Lakh in a year
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SBI SimplyCLICK Credit Card
simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Rewards
Online Shopping
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Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Amazon India gift card worth Rs. 500 on joining fee payment
  • Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
  • Annual fee waived on reaching Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
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Tata Neu Plus SBI Card
tata-neu-plus-sbi-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 7% savings on Tata Neu

Shopping
Cashback
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Product Details

  • Bonus 499 NeuCoins (worth Rs. 499) on card activation
  • 4 complimentary domestic airport lounge access every year (1 per quarter) on quarterly spends of Rs. 50,000
  • 2% Valueback as NeuCoins on spends on Tata Neu App/Website and partner Tata Brands
  • Extra 5% valueback as NeuCoins on select category spends on Tata Neu App/Website
  • 1% Valueback as NeuCoins on other spends, including UPI transactions
  • 1:1 redemption, 1 NeuCoin = Rs. 1
  • Annual fee waiver on spending Rs. 1 Lakh in the previous year
  • 1% fuel surcharge across all petrol pumps in India, on transactions from Rs. 500 up to Rs. 4,000 (capped at Rs. 250 per month)
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PhonePe SBI Card PURPLE
phonepe-purple-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

3% value-back on select PhonePe spends

Shopping
Rewards
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Product Details

  • PhonePe gift card worth Rs. 500 after the payment of joining fee
  • Yatra voucher worth Rs. 3,000 on spending Rs. 3 Lakh in a year
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IRCTC SBI Platinum Credit Card
sbi-irctc-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel
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Product Details

  • 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 60 days
  • 10% value-back through reward points upon booking AC1, AC2, AC3, ECC and Chair Car tickets via IRCTC website
  • 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
  • 4 complimentary railway lounge access in a year
  • Waiver of 1% transaction charge on railway ticket bookings
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BPCL SBI Card
sbi-bpcl-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 4.25% back as rewards & surcharge waiver on BPCL spends

Welcome bonus worth Rs. 500

Fuel
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Product Details

  • 2,000 bonus rewards worth Rs. 500 on joining fee payment
  • 3.25% value back as 13X reward points on BPCL fuel spends
  • 5X reward points on groceries, departmental stores, movies & dining spends
  • 1 reward point per Rs. 100 non-fuel retail spend, where 4 reward points = Rs. 1
  • 1% fuel surcharge waiver of up to Rs. 100 per month on BPCL spends of up to Rs. 4,000
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SBI Reliance Credit Card
reliance-sbi-credit-cards
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Multi-brand benefits

Accelerated rewards on dining and movies

Shopping
Rewards
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Product Details

  • 5 reward points for every Rs. 100 spent on the participating Reliance Retail Stores
  • 5 reward points for every Rs. 100 spent on Dining & Movies
  • 1 reward point for every Rs. 100 spent on other retail purchases
  • Value of 1 reward point = Rs. 0.25
  • Reliance Retail Voucher worth of Rs. 500 on card activation. Plus, additional benefits of Rs. 3,200
  • 5% cashback, up to Rs. 250 per month on Jio Mart spends
  • 1 RelianceOne point per Rs. 200 on offline spends made on groceries and additional 1 RelianceOne point per Rs. 200 spent on Fashion Factory.
  • Reliance Retail Voucher worth Rs. 500 on annual spends of Rs. 25,000, worth Rs. 750 on annual Spends of Rs. 50,000 and Rs. 1,000 on annual spends of Rs. 80,000.
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Key Features & Benefits of SBI Lifetime-free Cards
Other Entry-level SBI Cards
FAQs

Key Features & Benefits of SBI Lifetime-free Cards

Given below are the top SBI Credit Cards that are suitable for varied spending categories like online shopping, railway travel fuel and others, and are offered at minimal annual cost:

Flipkart SBI Card

Annual Fee: Rs. 500 + taxes
Fee Waiver: On Rs. 3.5 lakh annual spends
Welcome/Renewal Benefit: Rs. 250 Flipkart gift card on joining fee payment

Key Features:

  • 7.5% cashback on spends at Myntra
  • 5% cashback on spends at Flipkart & Cleartrip
  • 4% cashback on spends at partner merchants, including Netmeds, Zomato & more
  • 1% unlimited cashback on other spends
  • Up to 7% off on flight bookings on Cleartrip
  • Up to 20% off on hotel bookings on Cleartrip
  • Up to 10% off on bus bookings on Cleartrip

SBI SimplyCLICK Credit Card

Annual Fee: Rs. 499 + taxes
Fee Waiver: On Rs. 1 lakh annual spends
Welcome/Renewal Benefit: Rs. 500 Amazon gift voucher on joining fee payment

Key Features:

  • 10 reward points per Rs. 100 spent on partners: BookMyShow, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds and Cleartrip
  • 5 reward points per Rs. 100 spent on other online purchases
  • 1 reward point per Rs. 100 spent on other categories; 1 RP = Rs. 0.25
  • Cleartrip/Yatra e-vouchers worth Rs. 2,000 on reaching Rs. 1 lakh and Rs. 2 lakh annual spends respectively

Tata Neu Plus SBI Card

Annual Fee: Rs. 499 + taxes
Fee Waiver: On Rs. 1 lakh annual spends
Welcome/Renewal Benefit: 499 NeuCoins on joining fee payment

Key Features:

  • 2% back as NeuCoins on spends on Tata Neu app/website and partner Tata brands
  • Extra 5% back as NeuCoins on select category spends on Tata Neu app/website
  • 1% back as NeuCoins on other spends, including UPI transactions made via RuPay variant; 1 NeuCoin = Rs. 1
  • 4 free domestic airport lounge visits per year on Rs. 50,000 quarterly spends

PhonePe SBI Card PURPLE

Annual Fee: Rs. 499 + taxes
Fee Waiver: On Rs. 1 lakh annual spends
Welcome/Renewal Benefit: Rs. 500 PhonePe gift card on joining fee payment

Key Features:

  • 3 reward points per Rs. 100 spent on recharges, utilities, bill payments, insurance, travel (via PhonePe) and PhonePe PINCODE
  • 2 reward points per Rs. 100 on eligible online spends
  • 1 reward point per Rs. 100 spent on utilities & insurance outside PhonePe, all Scan & Pay transactions, and other categories; 1 RP = Rs. 1
  • Rs. 3,000 Yatra voucher on Rs. 3 lakh annual spends

IRCTC SBI Platinum Credit Card

Annual Fee: Rs. 500 + taxes
Fee Waiver: NA
Welcome/Renewal Benefit: 350 reward points on 1st spend of min. Rs. 500 post card activation and renewal fee payment

Key Features:

  • 10% back as reward points, on booking AC1, AC2, AC3, ECC and CC tickets via IRCTC website
  • 1 reward point per Rs. 125 spent, including railway ticket purchased via IRCTC app/website
  • 1% transaction charges waived on railway ticket bookings
  • 4 complimentary railway lounge visits per year

BPCL SBI Card

Annual Fee: Rs. 499 + taxes
Fee Waiver: On Rs. 50,000 annual spends
Welcome/Renewal Benefit: 2,000 reward points on joining fee payment

Key Features:

  • 13 reward points per Rs. 100 spent on fuel at BPCL petrol pumps
  • 5 reward points per Rs. 100 spent on groceries, departmental stores, dining and movies
  • 1 reward point per Rs. 100 spent on other retail purchases; 1 RP = Rs. 0.25
  • 1% fuel surcharge waiver on BPCL spends of up to Rs. 4,000, capped at Rs. 100 per month

SBI Reliance Credit Card


Annual Fee: Rs. 499 + taxes
Fee Waiver: On Rs. 1 lakh annual spends
Welcome/Renewal Benefit: Rs. 500 Reliance Retail voucher on card activation and additional discount vouchers of Rs. 3,200 of participating Reliance stores

Key Features:

  • 5 reward points per Rs. 100 spent on the dining, movies and participating Reliance Retail Stores
  • 1 reward point per Rs. 100 spent on other retail purchases; 1 RP = Rs. 0.25
  • 5% cashback, up to Rs. 250 per month, on Jio Mart spends
  • 5% off on select Reliance Group brands: Reliance Trends, Ajio, Urban Ladder, Zivame, Azorte and Cover Story
  • 1 RelianceOne point per Rs. 200 offline spends on groceries
  • Additional 1 RelianceOne point per Rs. 200 spent on Fashion Factory
  • Rs. 500 Reliance Retail voucher on Rs. 25,000 annual spends
  • Rs. 750 Reliance Retail voucher on Rs. 50,000 annual spends
  • Rs. 1,000 Reliance Retail voucher on Rs. 80,000 annual spends

Other Entry-level SBI Cards

Credit Card Annual Fee Welcome Benefit
Shaurya SBI Card Rs. 250 (waived on Rs. 50,000 annual spends) 1,000 reward points on joining fee payment
SBI SimplySAVE Credit Card Rs. 499 (waived on Rs. 1 lakh annual spends) 2,000 reward points on spending Rs. 2,000 within 60 days of card issuance
Landmark Rewards SBI Card Rs. 499 2,000 reward points on joining and annual fee payment
Paytm SBI Card Rs. 499 1-year Paytm First membership on card activation
Unnati SBI Credit Card (Secured Card) Rs. 499 No joining/annual fee for the 1st 4 years of card membership

FAQs

Which SBI credit card is lifetime free?
Currently, SBI Card does not offer any lifetime-free credit card. However, some cards come with zero joining fee or may be offered free of charge under some limited time offer. You can also opt for an SBI credit card that is effectively free through its welcome and fee waiver benefits.

How do I know if my SBI credit card is lifetime free?
You can get this information from the card’s webpage on the official SBI Card website, from SBI Card MITC document, or even from the card details shared with you during the issuance. You can also contact credit card customer care for such details.

What is the eligibility for SBI lifetime free credit card?
Generally, lifetime free or low annual fee credit cards are entry-level which come with basic eligibility criteria. This can include that the applicant must be within the age bracket of 21 to 70 years, have a decent credit score, and be salaried or self-employed with a stable income. Further eligibility can vary as per the card variant and the card provider’s internal policies.

Do SBI lifetime free credit cards offer reward points?
Yes, lifetime-free credit cards across providers like SBI Card, HDFC, YES Bank, etc. offer rewards or cashback on the card spends. The value-back rate, however, varies as per the card variant.

Do SBI lifetime free credit cards have hidden charges?
Yes, lifetime free status of a credit card indicates that the card does not charge any joining or annual fee, however, usage based charges like finance charges, foreign transaction fees, late payment fee, cash withdrawal charges, etc. can still apply.

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