Summary
SBI offers different lifetime free credit cards (Top 10 SBI Lifetime Free Credit Cards) without any annual or renewal fees, thus making them cost-effective for customers seeking credit card facilities without an extra cost. The cards offer different spending categories, such as shopping, travel, fuel, dining, and medical.
Some of the finest SBI lifetime free credit cards (Top 10 SBI Lifetime Free Credit Cards) include the SBI Shaurya Credit Card (for defense staff), SBI Unnati Credit Card (secured card on FD), OLA Money SBI Card (for frequent users of Ola), and Apollo SBI Card (for health benefits). The cards provide exciting features like reward points, cashback, waiver of fuel surcharge, EMI facility, and contactless payments.
One of the best advantages of SBI lifetime free credit cards is that they save money for customers while offering them rewards. If you are a frequent traveler or online buyer or want to improve your credit score, there is an SBI credit card available for you. The cards also offer global acceptance, security, nd online applications, which make them extremely easy to use.
Before applying for a card, it is mandatory to verify each card’s features, benefits, and eligibility requirements to see that it suits your spending pattern. SBI has a good brand name, and they offer a series of lifetime free credit cards. Therefore, anybody seeking a rewarding and worry-free credit card experience can confidently opt for an SBI one.
Introduction
Top 10 SBI Lifetime Free Credit Cards are a regular feature in our lives now. They allow us to pay by card without using cash, earn rewards or points, and pay bills quickly. However, most credit cards come with renewal fees, another expense. To resolve this issue, SBI is offering lifetime-free credit cards with no annual or renewal fees. These cards are best for those looking to enjoy credit card benefits minus the extra payments.
SBI (State Bank of India) is India’s most trustworthy bank. It provides a variety of credit cards for various purposes like shopping, travel, fuel, dining, and online payments. If you’re looking for a lifetime free SBI credit card, you’re in the right place. In this article, we will describe the 10 best SBI lifetime free credit cards with fantastic benefits and no annual fees.
Not only do these credit cards save money, but they are also rewarding, cash-giving, and discount-offering. They offer rewards like free lounge travel, waiver of fuel surcharge, and EMI facility. Whether a frequent flyer, an online shopper, or a user who needs a hassle-free credit card for everyday expenses, SBI offers a lifetime free credit card for everyone.
Choosing the right SBI credit card depends on your spending habits. Some cards offer extra benefits on fuel, while some offer better rewards on shopping and eating out. Therefore, it is advisable to go through a credit card’s features and advantages before applying for one. In the sections below, we will explore the10 best0 SBI lifetime free credit cards along with their features, advantages, and eligibility.
Top 10 SBI Lifetime Free Credit Card Features & Details
SBI Shaurya Credit Card
The SBI Shaurya Credit Card is specially provided exclusively to defense personnel in India. It offers personalized benefits, rewards, and security features to suit the financial needs of armed forces personnel. The card provides low interest rates, fuel surcharge rebates, reward points on shopping, and EMI facilities, which make it a perfect choice for defense personnel. With its lifetime complimentary offer, the SBI Shaurya Credit Card offers customers a chance to experience luxury benefits without any extra annual charges.
| Features | Detail |
| Joining Fee | Lifetime Free (No Annual or Renewal Fee) |
| Reward Point | Earn 1 Reward Point for every ₹100 spent |
| Target Users | Only for Indian Defense Personnel |
| Security & Fraud Protection | Sophisticated security features to avoid unauthorized transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Low-Interest Rate | Competitive interest rates, lower than SBI credit cards |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Add-on Cards | Get add-on credit cards for family members |
SBI Shaurya Select Credit Card
The SBI Shaurya Select Credit Card is an elite credit card with the prime motive of offering exclusive services for Indian defense people only. The card provides extended reward points, travel benefits, fuel surcharge rewards, and EMI offerings to provide Indian armed forces members with more fiscal benefits. Lower charges on rates of interest and special offers are provided by the card to assure maximum convenience and savings. Contactless payment makes it an extra benefit of convenience and quicker, easy transactions.
| Features | Detail |
| Joining Fee | Lifetime Free (No Annual or Renewal Fee) |
| Reward Point | Earn 5X Reward Points on spends done at dining, grocery, and department store purchases |
| Target Users | Exclusive for Indian Defense Personnel |
| Lounge Access | Complimentary domestic airport lounge access (limited per annum visits) |
| Security & Fraud Protection | Sophisticated security features to avoid unauthorized transactions |
| Insurance Coverage | Complimentary individual accident cover for added protection |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends made between ₹500 – ₹4,000 |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Low-Interest Rate | Reduced interest rates than normal SBI credit cards |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Add-on Cards | Get add-on credit cards for family members |
OLA Money SBI Credit Card
Launched by SBI Card and OLA, the co-brand OLA Money SBI Credit Card provides choice rewards on OLA rides, restaurants, petrol, and shopping online. The card is ideal for heavy users of Ola cabs as it provides substantial payback on Ola fares and reward points on spends in the normal course. The card provides maximum convenience and savings as you get easy digital application, instant approval, and simple payment through the OLA Money wallet.
| Features | Detail |
| Joining Fee | Nil |
| Annual Fee | ₹499 + GST (Waived on spends of ₹1 lakh in a year) |
| Welcome Benefit | ₹500 Ola Money cashback on first transaction |
| Cashback on Ola Rides | 7% cashback on Ola rides |
| Cashback on Other Spends | 1% cashback on all other online spends |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends between ₹500 – ₹3,000 |
| Ola Money Wallet Benefits | Cashback credited directly to the Ola Money Wallet |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Add-on Cards | Get add-on credit cards for family members |
SBI Unnati Credit Card
The SBI Unnati Credit Card is a unique card that enables one to create a credit history and also avail many other advantages. It is a secured card and is given against an FD (Fixed Deposit) of ₹25,000 or more, thus the best option for newbie credit card users or for those who need to enhance their CIBIL score. There is no charge for the first four years, reward points on each spend, waivers on fuel surcharge, and simple EMI facilities.
| Features | Detail |
| Annual Fee | No annual fee in the first 4 years (₹499 + GST from the 5th year) |
| Reward Point | Get 1 Reward Point for every ₹100 spent |
| Card Type | Secured Credit Card (Issued against FD of ₹25,000 or more) |
| Welcome Benefit | ₹500 cashback on spends of ₹50,000 in a year |
| Security & Fraud Protection | Sophisticated security features to avoid unauthorized transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 |
| Contactless Payment | Made secure and fast payment |
| Credit Limit | Up to 90% of the fixed deposit value |
| EMI Facility | Pay big bills in easy EMIs |
| Global Acceptance | Paid at millions of merchants worldwide |
| Security Deposit | No income proof required; accessed via fixed deposit |
Aditya Birla SBI Credit Card
The Aditya Birla SBI Credit Card is a co-branded credit card being launched by SBI Card and Aditya Birla Finance to offer best-in-class advantages on shopping, dining, travel, and lifestyle spends. This card is for those customers who shop frequently at Aditya Birla Group companies like Pantaloons, Van Heusen, Allen Solly, Peter England, and many more. With wonderful reward points, fuel surcharge waivers, and payback EMIs, the card provides the highest savings on regular spends.
| Features | Detail |
| Annual Fee | ₹499 + GST (Waived on spends of ₹1 lakh within a year) |
| Reward Point | Aditya Birla Brand Spends 10 Reward Points for each ₹100 spent at Pantaloons, Van Heusen, Allen Solly, Peter England, etc. |
| Welcome Benefit | ₹500 Aditya Birla Voucher on first payment |
| Reward Points on Other Spends | 2 Reward Points for each ₹100 spent on all other retail spends. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 |
| Contactless Payment | Made secure and fast payment |
| EMI Facility | Pay big bills in easy EMIs |
| Global Acceptance | Paid at millions of merchants worldwide |
SBI SimplySAVE UPI Rupay Credit Card
SBI SimplySAVE UPI RuPay Credit Card is a budget credit card designed for individuals who frequently make UPI payments and love to earn rewards against daily spending. Being a RuPay-enabled card, it gives customers the facility to link the card with UPI apps to simplify transactions. It earns extra reward points on spending on dining, groceries, movie spending, and spending at department stores, so ideal for daily spending.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Point | 10X reward points on department store, grocery, movie, and dining spending |
| Welcome Benefits | 2,000 reward points bonus on ₹2,000 spent within 60 days |
| All Other Spends | 1X reward point on all other spending, excluding the above |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹499 (waived on annual spends of ₹1 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of domestic places |
BPCL SBI Credit Card
BPCL SBI Credit Card is a fuel credit card specifically designed to make you save more on fuel purchases at Bharat Petroleum (BPCL) retail outlets. It provides 4.25% value-back on fuel purchases, in addition to reward points on groceries, dining, and other spending. In addition to fuel surcharge waivers, milestone rewards, and convenient redemption, this card is ideal for daily travelers and frequent commuters.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Points on Fuel | 13X reward points on BPCL fuel spends (₹10 = 13 reward points) |
| Regular Spends | 1X reward point on all other spends |
| Other Categories | 5X reward points on restaurants, movies, and groceries |
| Fuel Surcharge Waiver | 1% fuel surcharge rebate on BPCL retail stations (transactions between ₹500-₹4,000) |
| Fuel Savings | 4.25% value-back on fuel spends at BPCL fuel pumps (3.25% cashback + 1% surcharge waiver) |
| Annual Fee | ₹499 (waived on annual spends of ₹50,000) |
| Welcome Benefit | ₹500 BPCL fuel voucher at the time of joining |
| Airport Lounge Access | 4 complimentary domestic lounge visits a year |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
Delhi Metro SBI Credit Card
Delhi Metro SBI Credit Card is a co-brand card from SBI Card and Delhi Metro to provide distinctive rewards on travel in the metro and daily spend. It caters to the regular users of the Delhi Metro and gives auto-recharge of the Delhi Metro Smart Card, reward points on shopping and travel, and fuel surcharge benefits. With the contactless payment benefit, consumers can travel in the metro comfortably without recharging.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Points | Metro Rides REMAIN 10 Reward Points for each ₹100 spent on Delhi Metro recharges |
| Other Categories | Other Spends RECEIVE 1 Reward Point for each ₹200 spent on retail spends |
| Delhi Metro Smart Card Integration | FUNCTON as a credit card & Delhi Metro Smart Card |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends of ₹500 – ₹3,000 |
| Annual Fee | ₹499 + GST (Refunded on spends of ₹1 lakh within a year) |
| Dining & Shopping Benefits | Cashback and discounts on favorite brands |
| Airport Lounge Access | 4 complimentary domestic lounge visits a year |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
Apollo SBI Credit Card
Launched by SBI Card in association with Apollo Hospitals, the Apollo SBI Credit Card is a co-branded card aimed at providing special health benefits. The card provides refunds on health expenses, cashback on Apollo service, and health-related unique advantages for those who are health-conscious and give well-being top importance. Offering rewards as pharmacy expenses, diagnostic tests, and hospital costs helps to preserve health needs.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Points | Get 3 Reward Points for every ₹100 spent on pharmacy, diagnostics & hospital bills |
| Other Rewards | Get 1 Reward Point for every ₹100 spent on all other transactions |
| Welcome Benefit | ₹500 Apollo Cashback on first transaction |
| Cashback on Apollo Services | 10% cashback on Apollo Hospitals, Apollo Pharmacy, Apollo Diagnostics & Clinics |
| Healthcare Benefits | Health check-up discounts, medication discounts, and consultation discounts |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends of ₹500 – ₹3,000 |
| Annual Fee | ₹499 + GST (Refunded on spends of ₹1 lakh within a year) |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
Lifestyle Home Centre SBI Card
Centre of Lifestyle Homes Introduced by SBI Card and Lifestyle Home Centre, a co-brand card offers value-added discounts and benefits on furniture, home décor, and lifestyle purchasing. Designed for frequent Lifestyle, Home Centre, Spar, and Max consumers, it is It offers best savings on home and lifestyle products with fuel surcharge waiver, value-added discounts, and awarding points.
| Features | Detail |
| Annual Fee | ₹499 + GST (Waived on spends of ₹1 lakh within a year) |
| Reward Points on Partner Brands | Get 10 Reward Points for every ₹100 spent at Lifestyle, Home Centre, Max, and Spar stores |
| Welcome Benefit | ₹500 worth of Lifestyle, Home Centre, Max, or Spar voucher on first transaction |
| Reward Points on Other Spends | Get 2 Reward Points for every ₹100 spent on all other retail spends |
| Dining & Shopping Privileges | Cashback and offers on particular restaurants and brands |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 |
| Contactless Payment | Enabled for convenient and secure transactions |
| EMI Facility | Pay big bills in easy EMIs |
| Global Acceptance | Accepted at millions of merchants worldwide |
Conclusion
SBI offers a variety of lifetime free credit cards that allow you to enjoy the benefits of a credit card without paying any annual charges. If you are a frequent traveler, online shopper, fuel spender, or a customer looking for a simple credit card, SBI has something for you. Not only do they save you money, but they also provide fascinating features, such as reward points, cashback, fuel surcharge waivers, and EMI facilities.
One of the best features of lifetime free SBI credit cards is that you do not have to pay an annual or renewal fee. This makes them an affordable option for individuals who would like to employ a credit card for everyday spending without having to pay any additional charges. Certain cards, such as the SBI Shaurya and SBI Unnati, are targeted at particular segments, such as defense personnel or new-to-credit users, whereas others, such as the OLA Money SBI Card and Apollo SBI Card, provide advantages on travel and medical.
The right choice of SBI lifetime free credit card is chosen according to your lifestyle and expenses. If you have more journeys, then there is a chance to choose that card that brings travel advantages for you; or if you love shopping, rewards-based cards suit you best. While filling out an application form, verify the eligibilities, highlights, and features before filling out an application so you can wisely make use of your card.
Frequently Asked Questions (FAQ’s)
Ans: Yes, most SBI lifetime free credit cards have a 1% fuel surcharge waiver on fuel purchase transactions between ₹500 – ₹3,000.
Ans: Yes, SBI lifetime free credit cards have an EMI conversion for large-value purchases, simplifying payment.
Ans: You may follow your application status on the SBI Card website by entering your application reference number.
Ans: Yes, SBI credit cards are accepted everywhere in the world and can be used to make foreign transactions.
Ans: Yes, Credit cards have strong security features like OTP authentication, contactless transactions, and fraud protection, so it is safe to use them to make online purchases.
Fake information ❌
1. BPCL sbi credit card par (499rs+GST) is par koi lounge nahi hai
2. Ye RUPAY platinum card h so ye out of India work nii krega 😊
Before commenting, you should check the official website as well because the water is often spilled from the pot, then if you find something, please tell me