Constraint shortlist

No Annual Fee Credit Cards

No annual fee

20 shortlisted

Selector shortlist: published ₹0 annual fee cards, 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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Next steps

Support lanes
What to verify on each card
  • Whether joining fee is truly ₹0 or only the annual fee
  • Base earn rate and any category caps
  • Lounge access and forex markup as secondary filters
  • Compare against a mid-tier paid card if spend is high

No-fee cards remove the yearly cost, but they often trade off lounge access, base reward rate, or premium perks. This page keeps the focus on zero annual fee cards only.

Start here if avoiding a yearly charge is the hard constraint. Then compare rewards, forex markup, and lounge access to see whether a slightly higher-fee card would actually fit better.

What to watch on no-fee cards

Decision note

Zero annual fee does not automatically mean the best value. Use this page to shortlist truly no-fee cards, then verify whether the rewards and travel benefits are enough for your spend pattern.