Low Fee Credit Cards in India 2026

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

5% cashback on Freecharge spends : You earn 5% cashback on all Freecharge spends.

2% cashback on ‘local commute’ spends : You earn 2% cashback on local commute expenses.

1% cashback on all other card spends : You earn 1% cashback on all other spends.
- Exceptions : No cashback is given on wallet loads, fuel spends, cash withdrawal, gold & jewellery transactions, returns & reversals, gift card purchases, government & education spends, EMI transactions, purchases converted to EMI, and rental payments.

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
– Good card for frequent Freecharge users, since you get 5% unlimited cashback on various types of spends
– The Axis Bank Freecharge Plus credit card offers an easy cashback process, without complicated procedures or requirements.
– This credit card has a low annual fee. It also offers a low annual card spend target (of ₹50,000), to get an annual fee waiver from 2nd year onwards.

Drawbacks to consider
– It can only be used as a specialist card along with other cards , since it does not offer attractive rewards on other major spending needs such as shopping and travel.

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.

3.50% cashback on fuel purchases - on fuel purchases upto ₹4000 per month
✔︎ 2.50% cashback on HPCL fuel purchases
- You earn ₹2.50 cashback, on every ₹100 you spend at HPCL pumps.
- This benefit is valid only on HPCL fuel expenses upto ₹4000 per month, since maximum cashback is capped at ₹100 per month.
– This benefit is applicable only on a minimum fuel transaction amount of ₹500.
✔︎ 1% fuel surcharge waiver – at all fuel stations, only on all fuel purchases upto ₹4000 per month.

0.25% benefit on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every 100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on ICICI’s rewards redemption platform for a variety of vouchers and products.
– Exceptions : No reward points are given non-HPCL fuel, EMI transactions, balance transfer (BT), personal loan on credit cards (PLCC), cash advance, payments of fees, interest and other charges.

25% discount (upto ₹100) at BookMyShow movie tickets - 2 times per month
– You can avail this offer 2 times a month, at BookMyShow
– When you purchase a minimum of two tickets, you get a 25% discount (upto ₹100)
- Hence you get a 25% discount on movie ticket transactions upto ₹400. On transactions above ₹400, your discount percentage would fall below 25%.

1% fuel surcharge waiver : You get a 1% waiver fuel surcharge, only on HPCL fuel transactions below ₹4000.

Benefits
– Entry level fuel card, you get 3.50% cashback on HPCL fuel purchases upto ₹4000 per month
– Low annual fee of ₹199
– Low annual card spend requirement of ₹50,000, to get an annual fee waiver

Drawbacks to consider
– You can get higher reward rates on other fuel cards.
– You will need to consider other cards to get benefits on non-fuel spends like shopping, travel etc.

5% earning on HPCL purchases (fuel & LPG)
■ 2.50% benefit on HPCL fuel purchases – only on purchases upto ₹5000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps –
– This is valid only on fuel purchases upto ₹5000 per month, since the maximum number of special reward points is restricted to 500 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App 
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion).
■ 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% benefit on grocery purchases & utility expenses – only on spends upto ₹4000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total purchases of up to ₹4000 per month in these categories, since the maximum number of special reward points is restricted to 400 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.

2.50% benefit on FASTag recharges – only on recharges upto ₹2000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on FASTag recharges.
– This is valid only on up to ₹2000 of recharges every month, since the maximum number of special reward points is restricted to 200 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other card purchases
– You earn 1.33 points worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Complimentary insurance covers
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days.

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases
– Good benefit rate of 2.50% on grocery purchases & utility bill payments
– 1st year annual fee is fully covered by joining benefits. Low annual card spend target (of ₹50,000) to get annual fee waived off.
– The card also offers a range of additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
– The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
– You are restricted to HPCL pumps, to avail special fuel benefits

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

0.30% benefit on all card spends
– You earn 3 reward point worth ₹0.30 (30 paise), on every ₹100 you spend on all card purchases.
– 1 reward point = ₹0.10 or 10 paise.
– You can redeem your rewards points on Kotak Rewards (rewards redemption platform), for a variety of shopping e-vouchers, mobile recharges, travel, movies and more.

Milestone benefits upto 1.6% : When you spend ₹1 lakh or more in a year, you can get either-
– 4 free any day-any show PVR tickets worth upto ₹1600 (upto ₹400 each)
OR
– 10,000 reward points worth ₹1000

Benefits
– Entry level card from Kotak, with low minimum income requirements and low annual fee
– Low annual card spend target of ₹15,000, to get annual fee waiver and make the card virtually free

Drawbacks to consider
– Low rewards and benefits