Defence Forces Credit Cards with Low Fee in India 2026

Personalised card : Personalised card with shades of Indian Tricolour. Dedicated 4th embossing line for serving the nation.

Card is virtually lifetime free at ₹20,000 annual card spend
- Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹20,000 or more in the previous year.

Dining benefits (Dining Delights program) – 15% discount at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.

0.40% benefit on all other card spends : You earn 2 EDGE reward point worth ₹0.40 or 40 paise, on every ₹100 you spend on all purchases.
– 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform.
– No rewards are given on fuel spends.

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹25000 per month (since the maximum waiver amount is restricted to ₹250 per monthly card statement cycle)

Benefits
– Personalised card for Defence personnel , with shades of the Indian Tricolour.

Drawbacks
– The reward rates on card spending are low.

Card is exclusively for government sector employees

Low annual fee of ₹199 (and is waived off if you spend ₹75000 in your previous year)

Card is UPI enabled – you can use it for UPI payments

1% cashback (upto ₹200 per month), on all credit card spends
– You get ₹1 (as cashback), on every ₹100 you spend on your credit card
– This is valid on card spends upto ₹20,000 per month, since the maximum cashback is restricted to ₹200 per month

1 free movie ticket (upto ₹200), every 6 months – at BookMyShow
– You can get a maximum of 2 free movie tickets per year (upto ₹200 each)

1% railway surcharge waiver (upto ₹600 per year), only on railway transactions upto ₹5000

1% fuel surcharge waiver, on fuel transactions between ₹400 and ₹4000 only

Benefits
– Low fee card
– You can use your card for UPI payments
– Annual fee is waived, if you spend ₹75000 in the previous year

Drawbacks to consider
– Comparatively low reward rate on card spends