Credit cards, Sept. 11 -- Credit card users are supposed to pay an annual fee when joining or obtaining the card and a renewal charge every year. However, there are some cards that waive the joining fee upon spending beyond a threshold.

Here, we list SBI credit cards that levy an annual fee lower than Rs.500. Most of them also waive the renewal fee upon spending an amount beyond a threshold.

For example, the renewal fee of Rs.250 for Shaurya SBI Card is waived when the cardholder spends Rs.50,000 or more in the preceding year. Similarly, the renewal fee of the SimplyCLICK SBI Card is waived when the cardholder spends Rs.1 lakh or more.

(Source: sbicard.com)

Likewise, the renewal fee of SimplyCLICK Advantage SBI Card can be avoided if ...