Credit cards with an annual fee waiver

Heads-up: No airport lounge access. The lounge benefit is eight railway lounge visits a year.

Heads-up: The base rate is 3 Reward Points per Rs. 100 at Rs. 0.10 a point, which is 0.3% back — far below what a cashback card pays on the same…

Heads-up: 10X stops at 500 Membership Rewards Points a month and 5X at 250. The 10X cap is shared across Flipkart, Uber, BookMyShow and others, and a…

Heads-up: 1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.

Heads-up: A CashPoint is worth Rs. 0.25 against the statement, so 10X on the partner brands is an effective 3.3% back and the base rate is about…

Heads-up: A Reward Point redeems at about Rs. 0.07, so 8 points per Rs. 150 is an effective return of roughly 0.4%. The headline rate is not the…

Heads-up: From 13 March 2025 the international lounge allowance is one complimentary visit a calendar quarter, down from the earlier Priority Pass…

Heads-up: The two chosen 5% packs share a cap of 500 CashPoints a month. Past that, accelerated spending earns the base rate.

Heads-up: The fee is charged monthly and waived monthly. Spend under ₹5,000 in a month and ₹100 + GST is charged for the next one — the waiver has to…

Heads-up: 4 Reward Points are worth Re. 1, so 13X on BPCL is an effective 3.25% back and 4.25% only once the 1% surcharge waiver is counted. The base…

Heads-up: The 5% JioMart cashback is credited to a JioMart wallet, not the statement, and is redeemable only in general merchandise and fashion.

Heads-up: NeuCoins can only be spent inside the Tata Neu ecosystem. They cannot be taken as cash or credited to the statement.

Heads-up: SBI Card discontinued issuance of the Yatra SBI Card with effect from 28 March 2025. The welcome gift and all Yatra.com travel discount…

Heads-up: Bank of Baroda states an age window of 25 to 55 for this card, with anything outside it at its own discretion — one of the narrowest in the…

Heads-up: Cashback stops at Rs. 200 a month on fuel, Rs. 200 on phone bills and Rs. 100 on utilities — Rs. 500 a month in total, and Rs. 100 on any…

Heads-up: Reward Points convert to Fabfamily Rewards and can be redeemed only for shopping at Fabindia stores and on fabindia.com. They cannot be…

Heads-up: This card is secured against a fixed deposit of Rs. 5,000 or more. The deposit is locked for as long as the card is held.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.25%.

Heads-up: Every reward bucket (PhonePe spends, select online brands, UPI Scan & Pay) is capped at 500 Reward Points per month EACH - heavy spenders…

Heads-up: 4 Reward Points are worth Re. 1, so 10 points per Rs. 150 is an effective 1.67% back and the base rate is about 0.17%.

Heads-up: Reward Points are credited to the OlaMoney Wallet. They can be transferred to SBI Rewards, but cannot be taken as cashback or statement…

Heads-up: Points cover at most 70% of a train fare, so the headline 5% is closer to 3.5% when you pay with points alone.

Heads-up: All cashback stops at ₹400 a statement cycle — the 10% categories share that ceiling rather than each having their own. About ₹4,000 of…

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: The airport lounge visit is not unconditional: it needs Rs. 75,000 of spend in the preceding calendar quarter. The railway lounge visit has…

Heads-up: The accelerated layer begins only above Rs. 20,000 of retail spend in a month; below that the card earns the base 4 points per Rs. 150.

Heads-up: 4 Reward Points are worth Re. 1, so 25 points per Rs. 100 on BPCL is an effective 6.25% back, and 7.25% only once the 1% surcharge waiver…

Heads-up: The 2% online rate caps at Rs. 1,000 a month and the 1% rate at Rs. 500 a month, so the advertised Rs. 18,000 a year needs Rs. 1,00,000 of…

Heads-up: This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.

Heads-up: The 10-point fuel rate stops at 1,000 Fuel Points a month, about Rs. 10,000 of fuel. Past that, fuel earns the 1-point base rate.

Heads-up: RBL does not publish a rupee value per point for this card, so the up to 10X headline cannot be converted into a percentage return.

Heads-up: The 20-point grocery rate stops at 1,000 Reward Points a month, about Rs. 5,000 of groceries. Past that, groceries earn the 1-point base…

Heads-up: All cashback stops at ₹1,500 a statement cycle, with online capped at ₹1,000 inside that. About ₹24,000 of online spend a month reaches the…

Heads-up: Reward Points convert to Fabfamily Rewards and redeem only for shopping at Fabindia stores and on fabindia.com. They cannot be taken as…

Heads-up: Reward Points are auto-credited as Paytm Gift Voucher balance to the Paytm wallet. They cannot be taken as cashback, statement credit or…

Heads-up: The 5% stops at ₹2,000 a billing cycle. Past about ₹40,000 of online spend a month, extra spending earns the 1% base rate.

Heads-up: SuperCoins redeem only against purchases on Flipkart, Myntra and Cleartrip. They cannot be taken as cashback, statement credit or airline…

Heads-up: The card's value is BookMyShow tickets. Used anywhere else it is an ordinary entry-level card.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: The 5% and 3% tiers share a combined monthly cashback cap. Only the 1% base rate is uncapped.

Heads-up: 10% Swiggy cashback is capped at ₹1,500 per billing cycle — ₹15,000 of Swiggy spend earns the maximum, and anything beyond it earns nothing…

Heads-up: The fee is disputed. Kiwi markets the virtual card as lifetime free, while the PNB portal shows Rs. 750 + GST a year plus Rs. 500 for a…

Heads-up: Adani Reward Points redeem only through the Adani One portal or app. They cannot be taken as cashback, statement credit or airline miles.

Heads-up: The 7.5%, 5% and 3% rates apply only inside the Titan brand group. Everything else earns the 6-point base rate.

Heads-up: 4 Reward Points are worth Re. 1, so the 10X tier is an effective 2.5% back and the base rate is 0.5%.

Heads-up: NeuCoins are spendable on Tata Neu and across Tata brands. They cannot be taken as cashback or statement credit.

Heads-up: First Citizen Points are a Shoppers Stop currency — they redeem there and nowhere else, under that programme's own rules.

Heads-up: Fuel, rent, wallet loads, government payments, cash advances and EMI conversions earn no reward points, which also narrows which categories…

Heads-up: The 15-point fuel rate stops at 2,000 Fuel Points a month, which is about Rs. 13,300 of fuel. Past that, fuel earns the 2-point base rate.

Heads-up: SBI Card discontinued new issuance of this card from 11 March 2025, and Etihad Guest co-branded benefits (including Miles earning) ended on…