No annual fee / 4 matches
Cards with no recurring annual fee under their published or current acquisition terms.
A limited-period acquisition offer is called out separately from an unconditional lifetime-free product.
Federal Bank
Why it qualifies
Rs 0 joining fee and Rs 0 annual fee
No annual spend threshold is required to keep the base card free.
Card highlights
IndusInd Bank
Why it qualifies
Rs 0 joining fee and Rs 0 annual fee
Issuer eligibility and application approval apply.
Card highlights
Yes Bank / PNB / AU Bank
Why it qualifies
Lifetime-free base card
PNB virtual and AU Kosmo are free; PNB physical has ₹500 joining/₹750 annual fees, waived at ₹1.5 lakh. Neon subscription is separate; other issuer offers differ.
Card highlights
CSB Bank
Why it qualifies
No annual fee
No annual fee; joining fee depends on the accepted offer and issued-card KFS. CSB lists ₹499, with fee-free cohorts separately offered.
Card highlights
These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.
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