This study introduces a novel antenna based on the binary operation of a modified circular patch in conjunction with the Koch fractal. The antenna is intended for applications in the sub-6 GHz band, partial C-band, and X-band. The low-cost antenna is fabricated on a 1.6-mm-thick FR-4 substrate. A frequency-selective surface (FSS) is used to overcome the decreased values of the gain and bandwidth due to the fractal operations. The introduced split ring resonator (SRR) and the antenna substrate dimension reduction reduce the bandwidth and antenna gain. The air gap between the FSS and the antenna not only enhances the antenna gain but also controls the frequency tuning at the design frequency. The antenna size is miniaturized to 36.67%. A monopole antenna ground loaded with an SRR results in improved closest tuning (3.44 GHz) near the design frequency. The antenna achieves a peak gain of 9.37 dBi in this band. The FSS-based antenna results in a 4.65 dBi improvement in the gain value with the FSS. The measured and simulated plots exhibit an excellent match with each other in all three frequency bands at 2.96–4.72 GHz. These bands cover Wi-MAX (3.5 GHz), sub-6 GHz n77 (3300–3800 MHz), n78 (3300–4200 MHz), and approximately n79 (4400–4990 MHz), in addition to C-band applications.