SBI Lifetime Free Credit Cards: eligibility, benefits and application process

Lifetime free credit cards, as the name suggests, these credit cards have no annual fee or joining fee. These credit cards are a good option for people who are looking to start their credit card journey. SBI is a leading credit card provider in India. And it offers a range of lifetime free credit cards for individuals. You can easily avail of the SBI lifetime free credit card even if you do not have a decent credit history or score. They offer a great opportunity to start your credit card journey and build your credit score. After improving your credit score via the SBI lifetime free credit card, you can apply for premium credit cards. Visit MyBankingTips to learn more about premium credit cards. 

Key Benefits of SBI Lifetime Free Credit Cards

The SBI lifetime free credit card offers the following key benefits: 

• These credit cards have no annual fee or joining fee, which makes them a no-risk financial solution. 

• These credit cards help you make bill payments, shop online or offline, and spend cashless. 

• They have a very simple and convenient application process in respect to other premium credit cards. 

• These cards offer many exciting benefits across entertainment, travel, lifestyle, shopping, dining, and a range of other categories.

• These SBI Lifetime Free Credit Cards help the credit cardholder to build their credit history and improve their credit ratings. 

• You can redeem their reward points for exciting vouchers, air miles, and a range of products. 

• These credit cards offer many exciting deals and discounts for new credit card holders. 

Top SBI Lifetime Free Credit Cards: 

SBI offers various lifetime free credit cards. Here are the key Lifetime Free Credit Cards. You can choose any of the available credit cards based on your spending habits and financial goals. 

SBI Card Unnati

SBI Unnati is a secured credit card that is offered against the SBI fixed deposit for a minimum deposit of Rs 25,000. SBI does not charge any annual fee for the starting 4 years, which makes it a free, no-burden credit card for the new account holders. Cardholders enjoy various benefits, including milestone rewards, fuel charge waiver, cashback benefits, contactless payments, and many more. It helps people with a low credit score to avail of credit card services and improve their credit score. 

Benefits of SBI Unnati Credit Card

• Offers 1 Reward Point for every Rs 100 spent. 

• 1% fuel surcharge waiver on fuel spending of Rs 500 to 3000. 

• No annual fee for the first 4 years.

• Accepted at more than 240 Lakh outlets worldwide & 3 Lakh outlets in India

• Pay contactless for daily purchases

Visit MybankingTips to learn more about its benefits. 

Eligibility to Opt for the SBI Card Unnati

The applicants ned to follow the following eligibility criteria to apply for the SBI Unnati Credit Card: 

• Both salaried and self employed individuals can apply for this SBI lifetime free credit card.

• He or she must have an active FD of more than RS. 25000. 

• The applicant must be the resident of india. 

SBI SimplyCLICK Credit Card

This SBI lifetime free credit card is specially designed for frequent online shoppers. Cardholders enjoy exciting rewards on online purchases on shopping at top e-commerce platforms like Amazon, BookMyShow, Cleartrip, and more. It also offers easy EMI options and fuel surcharge waivers.  This is supported at the 24 million Visa and MasterCard outlets in the world. 

Features & Benefits

•   You get an Amazon gift card worth 500 as a joining bonus. 

• 10X Reward Points on shopping via online partner websites like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and UrbanClap, and 5X RPs on all other online transactions.

• Cardholders get an e-voucher worth 2,000 on spending 1 Lakh in a year. 

Eligibility Criteria to Apply for SimplyCLICK SBI Card

• Both salaried and self-employed indian residents can apply for the SBI SimplyCLICK Credit Card.

• The applicant must be between the ages of 21 and 70.

SBI SimplySAVE Credit Card

The SBI SimplySAVE credit card is an excellent SBI lifetime free credit card for people who are looking to save on everyday expenses. It offers them a great opportunity to save and earn various exciting rewards. It offers accelerated reward points on categories like restaurants, groceries, and entertainment. You can redeem these reward points for a range of exciting benefits. 

Key Highlights of SBI SimplySAVE Credit Card

• Earn accelerated reward points on various shopping categories. 

• Enjoy a range of lifestyle benefits with various premium perks. 

• You can get your renewal fee waived by achieving spending milestones. 

• It offers excellent reward points if you set up your credit card within the first 60 days. 

• You can convert your large spending into flexible EMIs with Flexipay

Eligibility Criteria for SBI SimplySAVE Credit Card

• Indian residents between the ages of 21 and 70 years (salaried applicants) and 25 and 70 years (self-employed) are eligible to apply. 

• A good credit score can enhance the chances of approval. 

• The applicant must be above 15 years of age to apply for an add-on cardholder.

How to Apply for SBI Lifetime Free Credit Cards: 

Applying Online via SBI Card Portal

1. Visit the official SBI website and go to the credit card section. 

2. Choose the desired SBI Lifetime Free Credit Card (e.g., SimplySAVE, SimplyCLICK). 

3. Click on the "Apply Now" button and fill out the simple online form. 

4. Then click on the submit button to complete the application. 

5. Now your credit card application is complete, and yoy can track your SBI Lifetime Free Credit Card application in real time by entering your reference or application number. 

Start your credit card journey today by clicking on the SBI credit card apply. 

Applying Offline via SBI Branch

You can also apply by visiting the nearest SBI Branch, if you prefer, an in-person application. 

• Go to the SBI branch, collect the application form, fill it out, and submit it with the required KYC documents (ID, address, income proof). 

Conclusion: 

The SBI lifetime free credit card does not charge any annual, renewal, or joining fees to the cardholder. They offer various exciting benefits for people who want to start their credit card journey. You can use these credit cards to help you build your credit history and improve your credit score. Later, you can avail of premium credit cards.