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Scapia
Annual fee ₹0 · Forex 0% · Unlimited lounge access
Credit Cards Under ₹1000 Annual Fee
Lower-fee cards can still be useful if you want everyday rewards without paying premium-tier annual charges. The right card depends on what you give up for the lower fee.
Low-fee cards often trade off lounge access and premium perks. Use the fee bands below to find where they still win.
How to read these fee bands
Decision noteStart with no-fee cards if avoiding yearly cost is the main goal. Move up the fee bands only if the additional lounge access or reward rate is worth paying for.
No annual fee
7 cardsOther options
- IDFC FIRST Millennia Annual fee ₹0 · Forex 3.5% · 4/year domestic lounge
- RBL Bank World Safari Annual fee ₹0 · Forex 0% · 4/year domestic lounge
- Kotak 811 #DreamDifferent Annual fee ₹0 · Forex 3.5% · No lounge access
- Amazon Pay Annual fee ₹0 · Forex 1.99% · No lounge access
- IDFC FIRST Private Reserve Annual fee ₹0 · Forex 0% · Unlimited lounge access
- IDFC FIRST Select Annual fee ₹0 · Forex 1.99% · 16/year domestic lounge
Up to ₹500
14 cardsStart here
HPCL Super Saver
Annual fee ₹500 · Forex 3.5% · 4/year domestic lounge (1 per quarter)
Other options
- SBI SimplySAVE Annual fee ₹499 · Forex 3.5% · No lounge access
- American Express SmartEarn Annual fee ₹495 · Forex 3.5% · No lounge access
- ACE Annual fee ₹499 · Forex 3.5% · 4/year domestic lounge
- Flipkart Annual fee ₹500 · Forex 3.5% · 4/year domestic lounge
- Tata Neu Plus HDFC Bank Annual fee ₹499 · 4/year domestic lounge
- Airtel Axis Bank Annual fee ₹500 · Forex 3.5% · No lounge access
₹500–₹1000
5 cardsStart here
Kotak Mojo Platinum
Annual fee ₹1,000 · Forex 3.5% · 8/year domestic lounge
Other options
- Millennia Annual fee ₹1,000 · Forex 2% · No lounge access
- Cashback SBI Card Annual fee ₹999 · Forex 3.5% · No lounge access
- Cashback Annual fee ₹1,000 · Forex 3.5% · No lounge access
- IndianOil Axis Bank Premium Annual fee ₹1,000 · Forex 3.5% · 8/year domestic lounge (2 per quarter)