One cannot avoid SBI credit card annual fee but one can get a waiver on the same. SBI offers a ‘Spend Based Reversal’ option on most credit cards. 

You can get the annual fee waived off when you spend a certain amount of money on your credit card in any given year. Every card comes with different spending limits so the user is required to check this offer before they sign up for the card. 

Additionally, there are a few SBI credit cards that have NO annual or joining fees. For instance, the SBI Unnati Credit Card is issued in accordance with your SBI Fixed Deposit. For the first four years, there are NO yearly fees. Customers can check out other cards with comparable offers by contacting SBI Credit Card customer service.

Two of the best-rated credit cards in India with annual and initiation fees are SBI Elite and Infinia. Both of these cards offer users superior benefits, so it's possible that paying an annual fee is justified. If this is your first time applying for an SBI credit card, you might be wondering whether the annual fee is worthwhile.

SBI is one of the top lenders in the nation, offering over 36 different credit card options to suit every type of customer. The cards offer a variety of benefits, including low-interest rates. Millions of merchant locations all over the country accept them. They can be used to benefit from some of the best offers in the nation both online and offline.