Credit card annual fees and waivers, card by card
Annual fees on HDFC, SBI Card, ICICI, Axis and Kotak credit cards, the spend that waives them, and the foreign currency markup, from each bank's terms.
Most Indian credit cards charge a yearly fee, and many waive it if you spend enough in the card year. The table shows the fee, the waiver condition and the foreign currency markup for every credit card on this site. Tap any figure to see the bank’s document, the clause and the date it was last checked.
Annual fee, waiver and markup
| Card | Annual fee | Fee waived when | Foreign currency markup |
|---|---|---|---|
| Axis Bank Atlas | Annual fee ₹5,000 + GST SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab) , Annual Benefit Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Not available | Not available |
| Flipkart Axis Bank Credit Card | Annual fee ₹500 + GST SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 1, Partnership Cards table, FLIPKART Credit Card column Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee waived on spends of ₹3,50,000 in the preceding year; rent, wallet loads and gift cards don't count SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 1, Partnership Cards table, Annual Fee Waiver row and footnote ** Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% + GST SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 2, Foreign Transaction Fee (all other retail cards) Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| IndianOil Axis Bank Credit Card | Annual fee ₹500 + GSTNot charged if the card is issued lifetime free or with a different fee on the application form SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 1, Partnership Cards table, INDIAN OIL Credit Card column and footnote * Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee waived on eligible spends of ₹3,50,000 or more in the anniversary year; rent and wallet loads don't count SourceINDIAN OIL AXIS BANK CREDIT CARD Terms and ConditionsPDF (opens in a new tab) , Clauses 3.2 and 3.4 Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% + GST SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 2, Foreign Transaction Fee (all other retail cards) Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| Axis Bank MY Zone Credit Card | Annual fee ₹500 + GSTNot charged if the card is issued lifetime free or with a different fee on the application form SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 1, Retail Cards table, MY ZONE column and footnote * Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Foreign currency markup 3.5% + GST SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 2, Foreign Transaction Fee (all other retail cards) Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| Axis Bank Neo Credit Card | Annual fee ₹250 + GSTFrom the second year; lifetime free when applied for through select channels SourceAxis Bank Neo Credit Card (opens in a new tab) , Fees & Charges, Annual Fee (Second year onwards) Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Foreign currency markup 3.5% + GST SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) , Page 2, Foreign Transaction Fee (all other retail cards) Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| IndianOil HDFC Bank Credit Card | Annual fee ₹500 + GSTAnnual (renewal) membership fee; GST extra SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, Indian Oil HDFC Bank row, page 4; GST: section L, page 28 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹50,000 in a year SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, page 4 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5%On international and cross-currency transactions SourceIndianOil HDFC Bank Credit Card page (opens in a new tab) , Fees & Charges Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| HDFC Bank Millennia | Annual fee ₹1,000 + GSTFirst year membership fee; applicable taxes extra SourceHDFC Bank Millennia Credit Card FAQ (6 Feb 2026)PDF (opens in a new tab) , Question 18 Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹1,00,000 in 12 months SourceHDFC Bank Millennia Credit Card FAQ (6 Feb 2026)PDF (opens in a new tab) , Question 18 Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Not available |
| HDFC Bank MoneyBack+ Credit Card | Annual fee ₹500 + GSTJoining and renewal fee; GST extra SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, MoneyBack+ row, page 4; GST: section L, page 28 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹50,000 in a year SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, page 4 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Not available |
| Tata Neu Infinity HDFC Bank | Annual fee ₹1,499 + GSTJoining and renewal fee SourceTata Neu Infinity HDFC Bank Credit Card FAQ (7 Jan 2026)PDF (opens in a new tab) , FAQ: membership and renewal fee Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹3 lakh in the previous card year SourceTata Neu Infinity HDFC Bank Credit Card FAQ (7 Jan 2026)PDF (opens in a new tab) Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 2%On transactions made outside India SourceTata Neu Infinity HDFC Bank Credit Card FAQ (7 Jan 2026)PDF (opens in a new tab) , FAQ: FCY mark-up fee Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| HDFC Bank Regalia Gold | Annual fee ₹2,500Joining and renewal fee as listed in the MITC SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , page 2 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹4 lakh a year SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , page 2 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Not available |
| Swiggy HDFC Bank Credit Card | Annual fee ₹500 + GSTJoining and renewal fee; GST extra SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, Swiggy HDFC Bank Credit Card row, page 6; GST: section L, page 28 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on spends of ₹2 lakh or more in a year SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, page 6 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Not available |
| HDFC Bank UPI RuPay Credit Card | Annual fee ₹99 + GSTJoining and renewal fee; GST extra SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, HDFC Bank UPI RuPay row, page 3; GST: section L, page 28 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on retail spends of ₹25,000 in the previous year SourceHDFC Bank credit cards MITC (updated 31 Oct 2026)PDF (opens in a new tab) , Section A(i) fee table, page 3 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Not available |
| Amazon Pay ICICI Bank | Annual fee Lifetime free SourceAmazon Pay ICICI Bank Credit Card FAQs (opens in a new tab) , FAQ: charges for using the card Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Not available |
| ICICI Bank Coral Credit Card | Annual fee ₹500 + GSTFrom the second year; no annual fee in the first year SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Section I, 1. Joining Fees, Annual Fees and Supplementary Card Fees, page 2 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee reversed on spends of ₹1,50,000 or more in a card anniversary year. EMI, rent, government and education payments don't count SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Fee table, page 2, and notes *** and 'Spend Threshold Criteria', pages 5 and 6 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , 3. Other Service Charges and Fees, Foreign currency transactions, page 8 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| ICICI Bank HPCL Super Saver Credit Card | Annual fee ₹500 + GSTFrom the second year; no annual fee in the first year SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Section I, 1. Joining Fees, Annual Fees and Supplementary Card Fees, page 2 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Next year's annual fee reversed on spends of ₹1,50,000 or more in a card anniversary year. EMI, rent, government and education payments don't count SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Fee table, page 2, and notes * and 'Spend Threshold Criteria', pages 5 and 6 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , 3. Other Service Charges and Fees, Foreign currency transactions, page 8 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| ICICI Bank Platinum Chip Credit Card | Annual fee NilCards issued earlier with a ₹99 joining or annual fee keep that fee SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Fee table, page 2, and the notes below it on page 4 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Foreign currency markup 3.5% SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , 3. Other Service Charges and Fees, Foreign currency transactions, page 8 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| ICICI Bank Rubyx Credit Card | Annual fee ₹2,000 + GSTFrom the second year; no annual fee in the first year SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Section I, 1. Joining Fees, Annual Fees and Supplementary Card Fees, page 2 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee reversed on spends of ₹3,00,000 or more in a card anniversary year. EMI, rent, government and education payments don't count SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , Fee table, page 2, and notes *** and 'Spend Threshold Criteria', pages 5 and 6 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceICICI Bank credit cards Most Important Terms and Conditions (MITC), last updated 9 Oct 2026PDF (opens in a new tab) , 3. Other Service Charges and Fees, Foreign currency transactions, page 8 Checked28 Oct 2026 HistoryNo changes since we started tracking this figure. |
| Kotak Dream Different Credit Card | Annual fee Nil SourceKey Fact Statement – Dream Different Credit Card (KFSDD04062026)PDF (opens in a new tab) , 1A. Joining Fees, Annual Fees and Add-On Card Fees Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Foreign currency markup 2% SourceKey Fact Statement – Dream Different Credit Card (KFSDD04062026)PDF (opens in a new tab) , 1C. Other Charges, Foreign Currency Transaction Markup fee Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| IndianOil Kotak Credit Card | Annual fee ₹449 + GST SourceKey Fact Statement – Indian Oil Kotak Credit Card (KFSIOK12032026)PDF (opens in a new tab) , 1A. Joining Fees, Annual Fees and Add-On Card Fees Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee waived on retail spends of ₹50,000 in the card anniversary year SourceKey Fact Statement – Indian Oil Kotak Credit Card (KFSIOK12032026)PDF (opens in a new tab) , 1A. Condition for Annual Fee Waiver Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceKey Fact Statement – Indian Oil Kotak Credit Card (KFSIOK12032026)PDF (opens in a new tab) , 1C. Other Charges, Foreign Currency Transaction Markup fee Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| Kotak League Platinum Credit Card | Annual fee ₹499 + GST SourceKey Fact Statement – League Platinum Credit Card (KFSLP04062026)PDF (opens in a new tab) , 1A. Joining Fees, Annual Fees and Add-On Card Fees Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Annual fee waived on retail spends of ₹50,000 in a year SourceKey Fact Statement – League Platinum Credit Card (KFSLP04062026)PDF (opens in a new tab) , 1A. Condition for Annual Fee Waiver Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceKey Fact Statement – League Platinum Credit Card (KFSLP04062026)PDF (opens in a new tab) , 1C. Other Charges, Foreign Currency Transaction Markup fee Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| PVR INOX Kotak Credit Card | Annual fee ₹499 + GSTNo spend-based waiver SourceKey Fact Statement – PVR INOX Kotak Credit Card (KFSPIO12032026)PDF (opens in a new tab) , 1A. Joining Fees, Annual Fees and Add-On Card Fees Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Not available | Foreign currency markup 3.5% SourceKey Fact Statement – PVR INOX Kotak Credit Card (KFSPIO12032026)PDF (opens in a new tab) , 1C. Other Charges, Foreign Currency Transaction Markup fee Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. |
| BPCL SBI Card | Annual fee ₹499 + GSTJoining and renewal fee SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , 1A. Annual fees and renewal fees table, page 6 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on annual spends of ₹1 lakh or more in the preceding year SourceBPCL SBI Card product page (opens in a new tab) , Fees and Charges Checked16 Oct 2026 History1 May 2026Fee Renewal fee waived on annual spends of ₹1 lakh or more in the preceding year20 Apr 2026 – 1 May 2026Renewal fee waived on annual spends of ₹50,000 or more in the preceding year | Foreign currency markup 3.5% SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , P. Other Charges, Foreign Currency Transaction Fee, page 31 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. |
| CASHBACK SBI Card | Annual fee ₹999 + GSTJoining and renewal fee SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) , Fees and charges, A. Annual fees and renewal fees Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on annual spends of ₹2 lakh or more in the preceding year SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) , Other charges and fees, foreign currency transaction fee Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. |
| Eternal SBI Card | Annual fee ₹499 + GSTJoining and renewal fee SourceETERNAL SBI CARD product page (opens in a new tab) , Fees and Charges; FAQ: What is Annual Fee and Renewal Fee of the card? Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee reversed on annual spends of ₹2 lakh or more in the preceding year SourceETERNAL SBI CARD product page (opens in a new tab) , FAQ: What is Annual Fee and Renewal Fee of the card? Checked16 Oct 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , P. Other Charges, Foreign Currency Transaction Fee, page 31 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. |
| IRCTC SBI Card Premier | Annual fee ₹1,499 + GSTJoining and renewal fee SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , 1A. Annual fees and renewal fees table, page 7 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on annual spends of ₹2 lakh or more in the preceding year SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , 1A. Annual fees and renewal fees table, page 7 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , P. Other Charges, Foreign Currency Transaction Fee, page 31 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. |
| SimplyCLICK SBI Card | Annual fee ₹499 + GSTJoining and renewal fee SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) , Fees and charges, A. Annual fees and renewal fees Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on annual spends of ₹1 lakh or more in the preceding year SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) , Other charges and fees, foreign currency transaction fee Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. |
| SimplySAVE SBI Card | Annual fee ₹499 + GSTJoining and renewal fee SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , 1A. Annual fees and renewal fees table, page 5 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Annual fee waiver Renewal fee waived on annual spends of ₹1 lakh or more in the preceding year SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , 1A. Annual fees and renewal fees table, page 5 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. | Foreign currency markup 3.5% SourceSBI Cards - Most Important Terms & Conditions (correct as on 23 October 2026)PDF (opens in a new tab) , P. Other Charges, Foreign Currency Transaction Fee, page 31 Checked2 Nov 2026 HistoryNo changes since we started tracking this figure. |
Reading the figures
- When the bank’s document says tax is extra, the figure shows “+ GST”.
- The waiver is counted over the period the bank sets. The panel under each figure gives the bank’s exact wording.
- Not available means the figure could not be confirmed, for that exact card, in the bank’s own documents.
Rewards, lounge rules and every other charge are on each card’s own page. For cards that charge a fee on rent, wallet and utility payments, see fees on rent, wallet and utility payments.