{"id":2828,"date":"2025-12-31T19:30:00","date_gmt":"2025-12-31T14:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2828"},"modified":"2025-12-31T11:20:43","modified_gmt":"2025-12-31T05:50:43","slug":"5-low-fee-sbi-credit-cards-with-exciting-cashback-10x-rewards-and-lounge-access-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/5-low-fee-sbi-credit-cards-with-exciting-cashback-10x-rewards-and-lounge-access-2026\/","title":{"rendered":"5 Low-Fee SBI Credit Cards With Exciting Cashback, 10x Rewards and Lounge Access (2026)"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em>\u00a0This article lists the five best SBI Credit Cards that have zero to minimal joining fees and waivable annual fees. Check out which card provides the most suitable benefits and rewards for your budget.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>SBI Card offers a range of credit cards that are crafted specifically to be hassle free and easy to waive annual fees. It does so by providing welcome gifts that cover your entry fee and additionally by hitting modest spending milestones, you can easily make these cards into Lifetime Free assets.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2256531087\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-sbi-simplyclick-credit-card\"><strong>5. <\/strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/shopping\/simplyclick-sbi-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>SBI SimplyCLICK Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SimplyClick-SBI-Credit-Card-1024x683.jpg\" alt=\"SimplyCLICK SBI Credit Card\" class=\"wp-image-1779\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SimplyClick-SBI-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SimplyClick-SBI-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SimplyClick-SBI-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining and Annual Fee:<\/strong> \u20b9499 + taxes<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> Fee waived on a spend of <strong>\u20b91,00,000<\/strong> in a year<\/li>\n\n\n\n<li><strong>Welcome Bonus:<\/strong> Amazon Voucher worth \u20b9500 on payment of annual fee.<\/li>\n<\/ul>\n\n\n\n<p><strong>Best suited for:<\/strong> Online shoppers &amp; digital payment users<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10x reward points on partners including Myntra, Apollo 24&#215;7, BookMyShow, Cleartrip, Domino\u2019s, and Yatra.<\/li>\n\n\n\n<li>5x reward points on all other online spends<\/li>\n\n\n\n<li>Get an e-voucher worth \u20b92,000 from Cleartrip\/Yatra on reaching \u20b91 Lakh annual spend and another at \u20b92 Lakhs.<\/li>\n\n\n\n<li>Points on online spends are capped at 10,000 per month.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-sbi-simplysave-upi-rupay-card\"><strong>4. <\/strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/shopping\/simplysave-upi-rupay-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>SBI SimplySAVE UPI RuPay Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/image-23.png\" alt=\"SBI SimplySAVE Credit Card\" class=\"wp-image-1536\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/image-23.png 750w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/image-23-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining and Annual Fee:<\/strong> \u20b9499 + taxes<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> Spend of \u20b91,00,000 in a year\u00a0<\/li>\n\n\n\n<li><strong>Welcome Bonus:<\/strong> 2,000 bonus points worth \u20b9500 on spending \u20b92,000 in the initial 60 days. (Activation bonus)<\/li>\n<\/ul>\n\n\n\n<p><strong>Best Suited For:<\/strong> Daily Groceries runs to the stores<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10X reward points on Dining, Movies, Groceries, and Stores (for every \u20b9150 spent).<\/li>\n\n\n\n<li>Can link this card to apps like GPay\/PhonePe\u00a0<\/li>\n\n\n\n<li>\u20b9100 return as cashback on first ATM withdrawal if done within the initial 30 days.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-irctc-sbi-platinum-card\"><strong>3. <\/strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/travel\/irctc-sbi-platinum-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>IRCTC SBI Platinum Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"500\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IRCTC-SBI-Platinum-Credit-Card.jpg\" alt=\"IRCTC SBI Platinum Credit Card\" class=\"wp-image-2225\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IRCTC-SBI-Platinum-Credit-Card.jpg 750w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IRCTC-SBI-Platinum-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 750px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9500 + taxes<\/li>\n\n\n\n<li><strong>Renewal Fee:<\/strong> \u20b9500 + taxes<\/li>\n\n\n\n<li><strong>Welcome Bonus:<\/strong> 350 Bonus points worth \u20b9350 for the first transaction of \u20b9500+.<\/li>\n<\/ul>\n\n\n\n<p><strong>Best Suited For:<\/strong> Frequent Train Travelers<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4019186163\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>4 complimentary railway lounge access per year (capped at 1 per quarter).<\/li>\n\n\n\n<li>Save the 1% transaction surcharge usually applied to railway bookings.<\/li>\n\n\n\n<li>1 point on every \u20b9125 spending on non-fuel retail purchases<\/li>\n\n\n\n<li>Get 500 Reward Points (Value: \u20b9500) upon paying the renewal fee.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-bpcl-sbi-credit-card\"><strong>2. <\/strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/travel\/bpcl-sbi-card.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>BPCL SBI Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"460\" height=\"330\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/BPCL-SBI-Credit-Card.jpg\" alt=\"BPCL SBI Credit Card\" class=\"wp-image-2829\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/BPCL-SBI-Credit-Card.jpg 460w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/BPCL-SBI-Credit-Card-300x215.jpg 300w\" sizes=\"(max-width: 460px) 100vw, 460px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining\/Annual Fee:<\/strong> \u20b9499 + taxes<\/li>\n\n\n\n<li><strong>Fee Waiver:<\/strong> Spend of \u20b950,000 in a year (the easiest waiver in the list).<\/li>\n\n\n\n<li><strong>Welcome Bonus:<\/strong> 2,000 Bonus Points (Value: \u20b9500) on fee payment.<\/li>\n<\/ul>\n\n\n\n<p><strong>Best Suited For:<\/strong> Fuel Spending and Personal Vehicle Commuters<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>13X reward points on fuel at BPCL pumps + 1% fuel surcharge waiver. (capped at 1,300 points per billing cycle)<\/li>\n\n\n\n<li>Maximum surcharge waiver of \u20b9100 in a billing cycle<\/li>\n\n\n\n<li>5 reward points on Groceries, Dining, and Movies.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-sbi-card-unnati\"><strong>1. <\/strong><a href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/shopping\/sbi-card-unnati.page\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>SBI Card Unnati<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-Unnati-1024x683.jpg\" alt=\"SBI Card Unnati\" class=\"wp-image-2830\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-Unnati-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-Unnati-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/SBI-Card-Unnati-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> NIL<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> NIL for the first 4 years and \u20b9499 afterwards<\/li>\n\n\n\n<li><strong>Requirement:<\/strong> Applicant need to have a Fixed Deposit of minimum \u20b925,000<\/li>\n<\/ul>\n\n\n\n<p><strong>Best Suited For:<\/strong> Beginning your credit journey<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-428429288\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On a spend of \u20b950,000 in a year, you get a flat \u20b9500 cashback\u00a0<\/li>\n\n\n\n<li>1 Reward Point per \u20b9100 spent on all retail categories.<\/li>\n\n\n\n<li>1% fuel surcharge waiver for transaction between \u20b9500 &amp; \u20b93000<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <strong><a href=\"https:\/\/tradebrains.in\/money\/this-co-branded-credit-card-offers-an-impressive-6-cashback-find-out-which-one\/\" target=\"_blank\" rel=\"noreferrer noopener\">This Co-Branded Credit Card Offers an Impressive 6% Cashback \u2013 Find Out Which One<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\"><strong>Comparison Table:<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Card Name<\/strong><\/td><td><strong>Best For<\/strong><\/td><td><strong>Annual Fee<\/strong><\/td><td><strong>Fee Waiver (Spends)<\/strong><\/td><td><strong>Top Benefit<\/strong><\/td><\/tr><tr><td>SimplyCLICK<\/td><td>Online Shopping<\/td><td>\u20b9499<\/td><td>\u20b91,00,000<\/td><td>10X Points on Partners<\/td><\/tr><tr><td>SimplySAVE<\/td><td>UPI &amp; Groceries<\/td><td>\u20b9499<\/td><td>\u20b91,00,000<\/td><td>10X Points (Dining\/Groceries)<\/td><\/tr><tr><td>IRCTC Platinum<\/td><td>Train Travel<\/td><td>\u20b9500<\/td><td>No Waiver<\/td><td>10% Value Back on AC Tickets<\/td><\/tr><tr><td>BPCL SBI<\/td><td>Fuel &amp; Gas<\/td><td>\u20b9499<\/td><td>\u20b950,000<\/td><td>4.25% Value Back on Fuel<\/td><\/tr><tr><td>Unnati<\/td><td>Beginners<\/td><td>\u20b90 (4 Yrs)<\/td><td>N\/A<\/td><td>Secured Card (FD Based)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-take\"><strong>Final Take<\/strong><\/h2>\n\n\n\n<p>In conclusion, these cards provide you with the option to waive the annual\/renewal fees. The additional benefits and easy redemption process of each of these cards make the usage more convenient. The list has a combination of beginner-friendly cards to more advanced shopping focus cards. Thus, pick your cards based on your online spending habits.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Written by Kenbi Riba<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis:\u00a0This article lists the five best SBI Credit Cards that have zero to minimal joining fees and waivable annual fees. Check out which card provides the most suitable benefits and rewards for your budget. SBI Card offers a range of credit cards that are crafted specifically to be hassle free and easy to waive annual [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2831,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[185,651,645,19],"ppma_author":[1013],"class_list":["post-2828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-credit-cards","tag-credit-card","tag-credit-card-news","tag-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Low-Fee SBI Credit Cards With Exciting Cashback, 10x Rewards and Lounge Access (2026)<\/title>\n<meta name=\"description\" content=\"This article lists the five best SBI Credit Cards that have zero to minimal joining fees and waivable annual fees. 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