SBI Lifetime Free Credit Cards

A secured credit card by SBI, to get the Unnati credit card, you must have fixed deposit of at least Rs. 25,000 with SBI. This basic card comes without a joining fee and does not charge any annual fee for the first four years. The Unnati credit card offers 1 reward points per Rs. 100 spent and also provides cashback worth Rs. 500 on spending Rs. 50,000 or more in an year.

• No annual fees for the first four years after getting the card
• 1 RP per Rs. 100 spent
• Cashback of Rs. 500 on spending Rs. 50,000 or above
• 1% fuel surcharge waiver

A co-branded credit card by SBI and OLA, this is a basic card offering up to 7% reward points on OLA rides and 1% on other spends. The points are automatically credited to OlaMoney wallet from where you can easily redeem them. Also, the card offers cashback on making hotel, flights, etc. bookings via Cleartrip. The Ola Money SBI card comes at zero joining charges and you can reverse the Rs. 499 renewal fee by spending Rs. 1 Lakh or above in the previous year.

• No joining fees on the card
• Get up to 7% reward points on your OLA rides
• Get up to 1% reward points on other spends
• Cashback of 5% on flights, 10% on domestic hotels, 6% on international hotels, and 12% on activities booked through Cleartrip
• 1% fuel surcharge waiver and spend-based renewal fee waiver

As the name suggests, the Shaurya Select card is exclusively meant for individuals serving the country in army, navy, air force, and paramilitary. The card comes at no joining fee and you can get its Rs. 1499 renewal fee waived off on spending Rs. 1.5 Lakhs or more in the card anniversary year. With this card, you can earn 1500 bonus RPs upon card renewal and up to 10 RPs per Rs. 100 spent.

• Exclusively for defence personnel working for the army, paramilitary, navy, and the air force
• 10 RPs per Rs. 100 spent on movies, dining, grocery, and departmental stores
• 2 RPs per Rs. 100 spent elsewhere
• Bonus 1500 RPs upon card renewal
• Pizza hut voucher on achieving the quarterly spend milestone
• Pantaloons/Yatra voucher on achieving the annual spend milestone
• Personal accident insurance cover
• 1% fuel surcharge waiver and spend-based renewal fee waiver

One of the top basic shopping card by SBI, the SimplyCLICK credit card is really popular among new cardholders, especially those who prefer online shopping. You earn up to 10x reward points on popular merchants like BookMyShow, Dineout, Apollo 24×7, Cleartrip, Lenskart, and Netmeds. Available at a low joining fee of Rs. 500, the card even provides 5x RPs on online and 1 RP on offline spends, per Rs. 100.

• Rs. 500 worth gift vouchers from Amazon as welcome bonus
• Rs. 2000 worth Cleartrip gift voucher on spending Rs. 1 Lakh and Rs. 2 Lakhs each
• Up to 10x RPs per Rs. 100 spent on online merchants like BookMyShow, Dineout, Apollo 24×7, Cleartrip, Lenskart, etc.
• Up to 5x RPs per Rs. 100 spent on online and 1 RP on offline spends, except fuel
• 1% fuel surcharge waiver and spend-based renewal fee waiver

The SimplySAVE credit card by SBI offers 2000 bonus reward points as welcome benefit and is available at a nominal Rs. 500 joining fee. On departmental store, movies, and grocery spends, you can earn accelerated reward points and this makes the card popular among new cardholders who want to get rewarded for their daily spends. It does not have premium travel, entertainment, or dining benefits, but is ideal for people new to credit.

• 2000 bonus RPs as welcome benefit on spending Rs. 2000 or more in 60 days of getting the card
• 1 RP per Rs. 150 spent
• Up to 10 RPs per Rs. 150 spent on grocery, movies, and departmental stores
• 1% fuel surcharge waiver and spend-based renewal fee waiver

A fuel credit card in collaboration with BPCL and SBI, this is an entry-level card that charges Rs. 500 as joining fees. You can earn up to 4.25% value back on your fuel spends at BPCL stations. Apart from fuel, you get 5x reward points on your grocery, dining, movies, and departmental store spends. As this is a fuel credit card, you don’t get many privileges across other categories.

• Bonus 2000 RPs on paying the joining fee
• 1 RP per Rs. 100 spent
• 5 RPs per Rs. 100 spent on grocery, dining, movies, and departmental store
• 13 RPs per Rs. 100 spent on BPCL fuel outlets
• 1% fuel surcharge waiver and spend-based renewal fee waiver

If you are someone who frequently travels through Railways, this co-branded IRCTC SBI Platinum card has many decent privileges and benefits at a low joining fee of Rs. 500. With the card, you can earn bonus reward points and get value back upon booking railway tickets through the IRCTC website. You even get exclusive travel offers and 4 complimentary railway lounge access per year with the card.

• Bonus 350 RPs upon spends of Rs. 500 or above inside 45 days of getting the card
• Get almost 10% value back as reward points on bookings via IRCTC website
• Exclusive travel offers on train, hotels, tour packages, and other bookings via IRCTC website
• 1 RP per Rs. 125 on other spends, except fuel
• 4 complimentary railways lounge access, maximum 1 every quarter
• Get 1% transactions charge waived off on railway ticket bookings via IRCTC website
• 1% fuel surcharge waiver

A co-branded credit card by SBI and IRCTC, this IRCTC RuPay card has a low Rs. 500 joining fee and is the ideal choice for regular train commuters. Apart from a generous welcome benefit, cardholders earn 1 reward points per Rs. 125 spent with the card on retail and IRCTC website railway ticket booking transactions. Frequent travellers can also enjoy complimentary railway lounge access and exclusive accommodation at more than 5000 top hotels in our country.

• 1 RP per Rs. 125 spent on retail and IRCTC website or mobile app train ticket booking
• Bonus 350 RPs as welcome benefit on single transaction of more than Rs. 500 inside 45 days of getting the card
• Up to 10% as value back on purchasing AC1, AC2, AC3, or AC Chair Car tickets via the IRCTC mobile application or website.
• 4 Complimentary railway lounge access every year, maximum 1 per quarter
• Book train tickets through IRCTC website and get a 1% waiver on transaction charges

This credit card was launched in partnership by SBI and Yatra.com and is a decent entry-level travel card. Cardholders receive a Rs. 8250 worth Yatra gift voucher as welcome benefit and even get exclusive discounts on their international and domestic flight bookings with the card. In addition to a decent reward rate on your spending, you also get travel insurance cover up to Rs. 50 Lakhs.

• Rs. 8250 worth Yatra gift vouchers as a welcome benefit
• Up to Rs. 4000 discount on international and Rs. 1000 discount on domestic flight bookings
• Up to 20% off on domestic hotel stay booking
• 1% fuel surcharge waiver and spend-based renewal fee waiver of Rs. 1 Lakhs
• Air accident insurance cover up to Rs. 50 Lakhs

SBI and Paytm’s co-branded credit card, this variant offers cashback up t0 3% on travel, movies, and Mall spends on Paytm and 2% cashback on other categories on Paytm. Additionally, the card offers 1% cashback on all other offline and online spends. Apart from cashback and other privileges, cardholders are also entitled to get complimentary Paytm First membership with the credit card.

• Up to 3% cashback per Rs. 100 on Paytm movies, Mall, and travel spends
• Up to 2% cashback per Rs. 100 on other spends through Paytm.
• 1% cashback on all other online and offline spends
• Complimentary Paytm First membership
• 1% fuel surcharge waiver and liability protection cover up to Rs. 1 Lakh

Another co-branded offering, this card was launched in partnership by SBI and Aditya Birla Capital. There is a superior variant of this co-branded card, the Aditya Birla SBI Select card, but this variant has a low joining fee of Rs. 500, and has similar offers and benefits for the cardholders. You get rewarded for all transactions at Aditya Birla stores along with many other lifestyle, entertainment, dining, and other benefits.

• Bonus 2000 reward points as a welcome benefit
• 10 RPs per Rs. 100 spent at Aditya Birla stores
• 5 RPs per Rs. 100 spent on hotels, dining, and entertainment categories
• 1 RP per Rs. 100 spent on other categories
• 1% fuel surcharge waiver
• Additional 2000 reward points on spending Rs. 1 Lakh and Rs. 1.5 Lakhs

This is a multipurpose credit card launched by SBI in collaboration with Delhi Metro and works as both a credit and smart card. Available at a low joining fee of Rs. 500, you get bonus 2000 reward points as a welcome benefit and can also get an annual fee waiver on reaching the target spend in the previous year. It is a great card for individuals who regularly commute through the Delhi Metro.

• 2000 reward points as welcome benefit upon spending Rs. 2000 or more inside 60 days of getting the card
• 10 RPs per Rs. 100 spent on grocery, movies, dining, utility bill, and departmental store spends
• Rs. 200 worth Auto top-up for your Delhi Metro Smart Card if your balance goes under Rs. 100
• 1% fuel surcharge waiver and spend-based renewal fee waiver of Rs. 1 Lakh

Similar to the Delhi Metro SBI card, this is an entry-level card perfect for individuals who regularly travel via the Mumbai Metro. The card has a low Rs. 500 joining fee and offers reward points on multiple categories including your metro card balance top-up. With this card, your metro card’s balance gets automatically recharged before exhausting and you don’t have to wait in queues to get your tickets.

• 2000 reward points as welcome benefit upon spending Rs. 2000 or more inside 60 days of getting the card
• 10 RPs per Rs. 100 spent on metro card balance top-up
• 10 RPs per Rs. 100 spent on grocery, movies, dining, utility bill, and departmental store spends
• 1 RP per Rs. 100 spent on other categories
• Rs. 200 worth Auto top-up for your Delhi Metro Smart Card if your balance goes under Rs. 50
• 1% fuel surcharge waiver and spend-based renewal fee waiver

SBI and FabIndia partnered to launch this entry-level card that charges Rs. 500 as joining fee from cardholders. You get Rs. 500 worth gift vouchers as a welcome benefit while earning accelerated reward points on your FabIndia spends. You can redeem your reward points by converting them to FabFamily rewards and can also get gift vouchers from top brands on reaching your spend milestones.

• Rs. 500 worth gift vouchers as welcome benefit
• 5 RPs per Rs. 100 spent at FabIndia outlets
• 2 RPs per Rs. 100 spent elsewhere
• FabFamily Golf Tier membership
• Rs. 750 worth gift vouchers from popular brands on reaching the spending milestone
• 1% fuel surcharge waiver and a spend-based renewal fee waiver

This is another co-branded offering by SBI and is perfect for individuals who prefer shopping at Home Centre, Lifestyle, Spar, and Max stores. You earn reward points whenever you shop at these stores and also on your movie and dining spends. Also, you earn bonus RPs whenever you renew the card and also upon reaching the target spend milestone. The reward points earned by you can be instantly redeemed at Max, Lifestyle, and Home Centre stores.

• Bonus 2000 RPs on card activation and on every card renewal
• 5 RPs per Rs. 100 spent at Lifestyle stores and on movies and dining
• 1 RP per Rs. 100 spent on retail
• Bonus 8000 RPs on spending Rs. 2 Lakhs or above in the year
• 1% fuel surcharge waiver

Apollo Hospitals and SBI came together to launch this co-branded credit card keeping in mind the importance of healthcare for people, especially after the COVID – 19 pandemic. Cardholders earn reward points and get discounts on spends at Apollo hospitals and on other spends also. As a welcome benefit, you earn bonus RPs and a complimentary Apollo membership. Available at a nominal joining fee of Rs. 500, you get accelerated RPs on healthcare spends, which is a great advantage of this card.

• Complimentary Apollo Gold Tier membership and 500 RPs as welcome benefit
• 3x RPs on your spends for Apollo services
• 2x RPs on dining, movies, and entertainment spends
• Up to 10% discount on Select Apollo Services
• 1% fuel surcharge waiver

The Shaurya credit card by SBI is exclusively meant for defense personnel serving our country with their patriotism and determination. The card has a Rs. 250 joining fee which is much lower than its superior card variant and offers 1000 RPs as a welcome bonus. Along with a decent reward rate, cardholders get a 1% fuel surcharge waiver and personal accident insurance cover.

• 1000 RPs as a welcome benefit
• 5 RPs per Rs. 100 spent
• RPs can be easily redeemed against statement balance or against products or vouchers
• 1% fuel surcharge waiver and spend-based renewal fee waiver
• Complimentary personal accident insurance cover