First match in no-fee shortlist Lead match
Federal Bank Scapia
Lifetime free
Annual fee ₹0 · Forex 0% · Unlimited lounge access
View card details →Constraint shortlist
No Annual Fee Credit Cards
No annual fee
20 shortlistedSelector shortlist: published ₹0 annual fee cards, ordered by base reward rate, then lounge access.
- 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→
Next steps
Support lanes- Cards under ₹1000 annual fee When a small fee is acceptable for better rewards.
- Low forex credit cards Check forex if you spend internationally.
- Best credit cards in India Broader shortlist across use cases.
- 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 noteZero 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.