Low Fee Credit Cards India 2025
Discover the best low-fee credit cards in India with no annual fees or minimal charges. Compare affordable credit cards that offer great value without breaking your budget.
Fee Categories
No Annual Fee
Zero annual charges, perfect for occasional users
Under ₹500
Low-cost cards with good rewards and benefits
Under ₹1,000
Reasonable fees with premium benefits
Best Low Fee Credit Cards in India
Understanding Credit Card Fees
Common Credit Card Fees
- 💰 Annual Fee: One-time charge per year
- 💰 Foreign Transaction: 2-4% on international spends
- 💰 Late Payment: ₹500+ for missed payments
- 💰 Cash Advance: 2-3% + interest on ATM withdrawals
How to Choose Low Fee Cards
- ✅ Calculate your annual spending to see ROI
- ✅ Look for waiver of annual fee on first year
- ✅ Check foreign transaction fees if you travel
- ✅ Compare reward rates vs annual fees
Low Fee Credit Cards FAQs
Are there really credit cards with no annual fee?
Yes, many banks offer credit cards with no annual fee, especially for beginners or as introductory offers. Popular options include SBI Unnati, YONO Credit Card, and various Rupay cards. However, these may have lower rewards and limited benefits.
Do low fee cards offer good rewards?
Some low-fee cards offer excellent rewards. For example, HDFC Millennia offers 1 reward point per ₹100 spent (worth ₹0.25-₹0.50 per point) with a low annual fee. The key is to calculate the net value after accounting for fees.
When do annual fees make sense?
Annual fees make sense when the rewards and benefits exceed the fee amount. For example, if a card costs ₹500 annually but gives you ₹2,000 in rewards and benefits, it's worth it. Premium cards often justify higher fees through lounge access and travel benefits.