What annual fee range is covered on Best low annual fee credit cards in India?

Cards on this page range from ₹0 to ₹0 (based on the current snapshot).

What forex markup range is covered on Best low annual fee credit cards in India?

Forex markup on this page ranges from 0% to 3.5% (based on the current snapshot).

How many of these cards offer lounge access?

7 of 12 cards on this page include domestic lounge access (including unlimited where available).

Which card has the highest base reward rate on this page?

BOBCARD Uni GoldX Credit Card is highest at ~1%, based on base earn rates in the current snapshot.

Intent shortlist

Best low annual fee credit cards in India

Fee vs earn trade-off: Reward rate explained →

Low annual fee (INR, ascending)

24 ranked

Ranked by verified published annual renewal fee, lowest first. Waiver eligibility and rewards do not change this order.

Lowest verified annual fee Lead match

AU Small Finance Bank ixigo

No joining or annual fee currently listed

Annual fee ₹0 · Forex 0% · 2 per quarter domestic + 1 per year international

View card details →

AU Small Finance Bank LIT No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.49% · No complimentary lounge access
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BOBCARD Uni GoldX No joining or annual fee currently listed · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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AU Small Finance Bank CheQ No joining or annual fee currently listed · Annual fee ₹0 · Lounge access not verified
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Federal Bank Celesta No joining or annual fee currently listed · Annual fee ₹0 · Forex 2% · 2 per quarter domestic + 2 per year international
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Federal Bank Imperio No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · 2 per quarter domestic lounge
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Federal Bank Signet No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · 1 per quarter domestic + 4 per year international
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Show 17 more

ICICI Bank Amazon Pay No joining or annual fee currently listed · Annual fee ₹0 · Forex 1.99% · No complimentary lounge access
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ICICI Bank Platinum Chip No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · Lounge access not verified
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IDBI Bank Royale Signature No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · 1 per quarter domestic lounge
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IDFC FIRST Bank Millennia No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · 16 railway lounge visits per year (max 4/quarter) · No airport lounge access
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IDFC FIRST Bank Select No joining or annual fee currently listed · Annual fee ₹0 · Forex 1.99% · 1 per quarter domestic lounge
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IDFC FIRST Bank Wealth No joining or annual fee currently listed · Annual fee ₹0 · Forex 1.5% · 1 domestic + 1 international lounge visits/quarter
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IndusInd Bank Legend ₹5,000 joining fee · No annual fee · Annual fee ₹0 · Forex 1.8% · No complimentary lounge access
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IndusInd Bank Pinnacle World ₹15,000 joining fee · No annual fee · Annual fee ₹0 · Forex 3.5% · 1 domestic + 1 international lounge visits/quarter
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IndusInd Bank Platinum Aura Edge No joining or annual fee currently listed · Annual fee ₹0 · Forex 1.8% · No complimentary lounge access
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CSB Bank Jupiter Edge CSB Bank RuPay No joining or annual fee currently listed · Annual fee ₹0 · Forex 3.5% · No lounge on legacy Edge CSB
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Kotak Mahindra Bank 811 #DreamDifferent ₹250 joining fee · No annual fee · Annual fee ₹0 · Forex 3.5% · No complimentary lounge access
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Federal Bank Scapia No joining or annual fee currently listed · Annual fee ₹0 · Forex 0% · Unlimited lounge access
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YES Bank Uni GoldX No joining or annual fee currently listed · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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HDFC Bank UPI RuPay ₹99 annual fee · Annual fee ₹99 · Forex 3.5% · No complimentary lounge access
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HDFC Bank PIXEL Go ₹250 annual fee · Annual fee ₹250 · Forex 3.5% · No complimentary lounge access
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American Express SmartEarn ₹495 annual fee · Annual fee ₹495 · Forex 3.5% · No complimentary lounge access
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Axis Bank ACE ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · 4 per year domestic lounge
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Compare close options

AU Small Finance Bank ixigo vs Federal Bank Celesta

Context

Fees

How 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.

This shortlist ranks cards by governed recurring annual fee ascending — not waiver eligibility, not effective cost after spend. A verified ₹0 fee card appears above a ₹499 card regardless of rewards; an unknown fee is never treated as ₹0. 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 better

Cards 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.