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IDFC FIRST Bank Millennia
No annual fee
Annual fee ₹0 · Forex 3.5% · 4/year domestic lounge
Best low annual fee credit cards in India
This shortlist ranks cards by **published annual fee** (`fees.annualFeeInr`) ascending — not waiver eligibility, not effective cost after spend. A ₹0 fee card appears above a ₹499 card regardless of rewards. Check waiver conditions and benefit tradeoffs on each card page before you apply.
Annual fee here is the stated renewal fee from the card record. Joining fee (first year) may differ — see individual card pages.
How cards make this list
Lower is betterCards are ranked by published annual renewal fee, lowest first. Zero-fee (lifetime-free) cards appear at the top. Only cards with verified fee data are included.
Fee vs earn trade-off: Reward rate explained →
Low annual fee (INR, ascending)
24 cardsOther options
- IDFC FIRST Bank Private Reserve No annual fee · Annual fee ₹0 · Forex 0% · Unlimited lounge access
- IDFC FIRST Bank Select No annual fee · Annual fee ₹0 · Forex 1.99% · 16/year domestic lounge
- IndusInd Bank Pinnacle World No annual fee · Annual fee ₹0 · Forex 3.5% · 4/year domestic lounge
- IndusInd Bank Platinum Aura Edge No annual fee · Annual fee ₹0 · Forex 1.8% · 4/year domestic lounge
- Kotak Mahindra Bank 811 #DreamDifferent No annual fee · Annual fee ₹0 · Forex 3.5% · No lounge access
- RBL Bank World Safari No annual fee · Annual fee ₹0 · Forex 0% · 4/year domestic lounge
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Context
FeesHow this list is built
- Ranked by published annual renewal fee, lowest first. Lifetime-free cards (₹0) sort to the top. Cards without confirmed fee data are excluded — a short list means data is still being gathered.
Fee and waiver context
- No annual fee credit cards Lifetime-free cards from the same catalog — subset of this list.
- Credit cards under ₹1,000 annual fee Broader low-fee view with waiver context.
- Reward rate (learn) Fee and reward rate trade-off — higher earn can justify higher fee.
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