Constraint shortlist

Credit Cards Under ₹1000 Annual Fee

No annual fee

20 shortlisted

Fee-band shortlist: cards in this published annual-fee band, ordered by base reward rate, then lounge access.

  • BOBCARD Uni GoldX No joining or annual fee currently listed · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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  • 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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  • 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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  • YES Bank Uni GoldX No joining or annual fee currently listed · Annual fee ₹0 · Forex 0% · No complimentary lounge access
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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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  • 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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Show 13 more
  • 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 Platinum Aura Edge No joining or annual fee currently listed · Annual fee ₹0 · Forex 1.8% · No complimentary lounge access
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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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  • 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
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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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  • 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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  • 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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  • AU Small Finance Bank CheQ No joining or annual fee currently listed · Annual fee ₹0 · Lounge access not verified
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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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  • 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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Up to ₹500

29 shortlisted

Fee-band shortlist: cards in this published annual-fee band, ordered by base reward rate, then lounge access.

Show 22 more
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₹500–₹1000

11 shortlisted

Fee-band shortlist: cards in this published annual-fee band, ordered by base reward rate, then lounge access.

Show 4 more
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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 note

Start 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.