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.

First match in this fee band Lead match

Federal Bank Scapia

Lifetime free

Annual fee ₹0 · Forex 0% · Unlimited lounge access

View card details →

Axis Bank Burgundy Private Lifetime free · Annual fee ₹0 · Forex 0% · Unlimited lounge access
→
IDBI Bank Royale Signature Lifetime free · Annual fee ₹0 · Forex 3.5% · 1 per quarter domestic lounge
→
AU Small Finance Bank ixigo Lifetime free · Annual fee ₹0 · Forex 0% · 2 per quarter domestic lounge
→
IDFC FIRST Bank Millennia Lifetime free · Annual fee ₹0 · Forex 3.5% · 16 railway lounge visits per year (max 4/quarter)
→
IDFC FIRST Bank Select Lifetime free · Annual fee ₹0 · Forex 1.99% · 1 per quarter domestic lounge
→
IDFC FIRST Bank Wealth Lifetime free · Annual fee ₹0 · Forex 1.5% · 1 per quarter domestic lounge
→

Show 13 more

ICICI Bank Platinum Chip Lifetime free · Annual fee ₹0 · Forex 3.5% · No lounge access
→
Kotak Mahindra Bank 811 #DreamDifferent ₹250 joining fee · No annual fee · Annual fee ₹0 · Forex 3.5% · No lounge access
→
Federal Bank Celesta Lifetime free · Annual fee ₹0 · Forex 2% · 2 per quarter domestic lounge
→
IndusInd Bank Pinnacle World ₹15,000 joining fee · No annual fee · Annual fee ₹0 · Forex 3.5% · 1 per quarter domestic lounge
→
AU Small Finance Bank LIT Lifetime free · Annual fee ₹0 · Forex 3.49% · No lounge access
→
BOBCARD Uni GoldX Lifetime free · Annual fee ₹0 · Forex 0% · No lounge access
→
ICICI Bank Amazon Pay Lifetime free · Annual fee ₹0 · Forex 1.99% · No lounge access
→
IndusInd Bank Legend ₹5,000 joining fee · No annual fee · Annual fee ₹0 · Forex 1.8% · No lounge access
→
IndusInd Bank Platinum Aura Edge Lifetime free · Annual fee ₹0 · Forex 1.5% · No lounge access
→
CSB Bank Jupiter Edge CSB Bank RuPay Lifetime free · Annual fee ₹0 · Forex 3.5% · Lounge access removed
→
YES Bank Uni GoldX Lifetime free · Annual fee ₹0 · Forex 0% · No lounge access
→
Federal Bank Imperio Lifetime free · Annual fee ₹0 · Forex 3.5% · 2 per quarter domestic lounge
→
Federal Bank Signet Lifetime free · Annual fee ₹0 · Forex 3.5% · 1 per quarter domestic lounge
→

Compare close options

Up to ₹500

30 shortlisted

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

First match in this fee band Lead match

ICICI Bank HPCL Super Saver

₹500 annual fee

Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge

View card details →

Kotak Mahindra Bank League Platinum ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
Axis Bank My Zone ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge
→
ICICI Bank Coral RuPay ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge
→
ICICI Bank Coral Visa ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · 1 per quarter domestic lounge
→
American Express SmartEarn ₹495 annual fee · Annual fee ₹495 · Forex 3.5% · No lounge access
→
HDFC Bank Freedom ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · No lounge access
→

Show 23 more

Axis Bank ACE ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · 4 per year domestic lounge
→
Axis Bank Flipkart ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · Lounge access removed from 20 June 2025
→
HDFC Bank MoneyBack Plus ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · No lounge access
→
HDFC Bank Tata Neu Plus RuPay ₹250 annual fee · Annual fee ₹250 · Forex 3.5% · 1 per quarter domestic lounge
→
IDFC FIRST Bank HPCL Power Plus ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · 1 per quarter domestic lounge
→
SBI Card IRCTC SBI Card Platinum ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · 4 domestic lounge visits/year
→
SBI Card Tata Neu Plus ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · 1 per quarter domestic lounge
→
Axis Bank Airtel ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · Lounge access removed from 12 April 2026
→
Axis Bank Neo ₹250 annual fee · Annual fee ₹250 · Forex 3.5% · No lounge access
→
AU Small Finance Bank CheQ ₹499 annual fee · Annual fee ₹499 · Forex 3.49% · No lounge access
→
HDFC Bank PIXEL Go ₹250 annual fee · Annual fee ₹250 · Forex 3.5% · No lounge access
→
HDFC Bank PIXEL Play ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · No lounge access
→
HDFC Bank Swiggy ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · No lounge access
→
HDFC Bank UPI RuPay ₹99 annual fee · Annual fee ₹99 · Forex 3.5% · No lounge access
→
RBL Bank Platinum Choice ₹499 annual fee · Annual fee ₹499 · No lounge access
→
SBI Card BPCL ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
SBI Card PhonePe SBI PURPLE ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
SBI Card SimplyCLICK RuPay ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
SBI Card SimplyCLICK Visa ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
Standard Chartered Bank India Standard Chartered Smart ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
HDFC Bank IndianOil ₹500 annual fee · Annual fee ₹500 · Forex 3.5% · No lounge access
→
SBI Card SimplySAVE ₹499 annual fee · Annual fee ₹499 · Forex 3.5% · No lounge access
→
IDFC FIRST Bank Swyp ₹499 annual fee · Annual fee ₹499 · Forex 0% · 16 railway lounge visits per year (max 4/quarter)
→

Compare close options

₹500–₹1000

10 shortlisted

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

First match in this fee band Lead match

IDBI Bank Winnings RuPay Select

₹899 annual fee

Annual fee ₹899 · Forex 3.5% · 2 per quarter domestic lounge

View card details →

HDFC Bank Platinum Times ₹1,000 annual fee · Annual fee ₹1,000 · Forex 3.5% · No lounge access
→
HSBC India Live+ ₹999 annual fee · Annual fee ₹999 · Forex 3.5% · 1 per quarter domestic lounge
→
ICICI Bank MakeMyTrip ₹999 annual fee · Annual fee ₹999 · Forex 0.99% · 2 per quarter domestic lounge
→
Kotak Mahindra Bank Mojo Platinum ₹1,000 annual fee · Annual fee ₹1,000 · Forex 3.5% · 2 per quarter domestic lounge
→
Axis Bank IndiGo ₹799 annual fee · Annual fee ₹799 · Forex 3.5% · 1 per quarter domestic lounge
→
HDFC Bank Millennia ₹1,000 annual fee · Annual fee ₹1,000 · Forex 3.5% · 1 per quarter domestic lounge
→

Show 3 more

SBI Card Cashback ₹999 annual fee · Annual fee ₹999 · Forex 3.5% · No lounge access
→
Axis Bank Cashback ₹1,000 annual fee · Annual fee ₹1,000 · Forex 3.5% · No lounge access
→
Axis Bank IndianOil Axis Bank Premium RuPay ₹1,000 annual fee · Annual fee ₹1,000 · Forex 3.5% · 2 per quarter domestic lounge
→

Compare close options

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.