59 open cards whose structured reward, lounge, or fee data qualifies them for low fee.
ICICI Bank
A lifetime-free card that pays its best rate on Amazon. Worth holding for Amazon spend; unremarkable elsewhere, and you cannot simply apply for it.
ICICI Bank
A no-fee starter card. Earns the same catalogue points as Coral but without the lounge, cinema or milestone benefits, so the fee saving is most of what distinguishes it.
ICICI Bank
Free for life, for Indian Defence and Paramilitary personnel only. No income requirement at all, and lounge and golf access that would ordinarily sit behind a substantial fee.
ICICI Bank
The entry Parakram card: free for life for Defence and Paramilitary personnel, at half the Select's earn rate and a quarter of its lounge access.
Axis Bank
A fintech co-brand sourced only to existing Fibe app customers, earning genuine cashback that rounds down per transaction — the issuer's own worked example confirms this exactly.
Axis Bank
A zero-fee, UPI-first RuPay card, confirmed directly on its own network — its EDGE Reward Points rate is applied here retroactively from Axis's already-confirmed ₹0.20 rate, since the card states no rate of its own.
Axis Bank
A zero-fee Google Pay co-brand whose own T&C states "Each Star shall carry a fixed monetary value of ₹1" — and, unusually for this portfolio, explicitly pays Stars on fuel spends rather than excluding them.
Axis Bank
A lifetime-free LIC co-brand earning a distinctly-branded, unpriced "Reward Points" currency at 2 per ₹100 on LIC premium payments (official gateway only) and forex — with 8 domestic lounge visits a year, but no base earn rate stated anywhere.
Axis Bank
The entry LIC co-brand tier — same unpriced Reward Points and the same 2-per-₹100 LIC-premium/forex accelerator as Signature, but confirmed to carry no lounge access at all, unlike its Signature sibling's 8 visits a year.
Axis Bank
A zero-fee UPI-first cashback co-brand with Flipkart Group's super.money — its top 3% rate is capped relative to what was separately earned at 1% in the same cycle, and the issuer's own press release and T&C PDF disagree on whether ₹500/cycle is a hard ceiling.
Axis Bank
A zero-fee IKEA co-brand with no live product page — restricted to registered IKEA Family members, and the only Axis card in this dataset whose own T&C document states its EDGE Reward Point value directly, three separate times, at 3x points on IKEA spend.
Kotak Mahindra Bank
A zero-fee, virtual-only RuPay card open exclusively to existing Kotak credit-card holders — earns Reward Points at a confirmed ₹0.10 each, the second of three Kotak cards to independently state this exact lower rate.
AU Small Finance Bank
A dual-issuance Visa+RuPay pair earning genuine issuer-stated CheQ Points percentages up to 12% on partnered brands (Amazon, Flipkart, Zomato, BigBasket, Apple, CheQ Travel) — no redemption fee, but no lounge access at any tier.
AU Small Finance Bank
The only AU Bank card in this dataset with an explicitly stated Reward Point value — ₹1/point on Paytm Gold, ₹0.50/point elsewhere — earning up to 2% on UPI Scan & Pay and 5% on Paytm Travel/Gold.
AU Small Finance Bank
The only AU Bank card at a 0% forex/DCC markup, exempted from the portfolio's Transportation fair-usage fee, and gated by an explicit "registered on ixigo Platforms" requirement — yet it still sits in the standard 45% p.a. APR tier.
AU Small Finance Bank
Marketed toward Company Secretaries with a 25% ICSI membership-fee cashback, but the issuer's own formal eligibility criteria carry no ICSI-membership restriction at all — earning 8 points per ₹100 in the discounted 1.99%-forex / 35.88%-APR tier.
AU Small Finance Bank
A physically metal card marketed toward Chartered Accountants with a 25% ICAI membership-fee cashback, but — like its AU CS sibling — the issuer's own formal eligibility criteria carry no CA-membership restriction at all.
AU Small Finance Bank
"India's 1st Customisable Credit Card" — every benefit (lounge access, accelerated points, category cashback, fuel waiver) is a separate paid 90-day add-on purchased in-app, not a standard included feature, so nothing here is modelled as a structured earn rule.
AU Small Finance Bank
A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.
AU Small Finance Bank
A UPI-first co-brand with fintech partner Kiwi (application and redemption both via the Kiwi App) — genuinely distinct from AU Zaggle's separate zagg.money partnership — earning "Kiwi rewards" with no published rate at all.
AU Small Finance Bank
Issued as two genuinely different network variants (RuPay or Visa, cardholder picks one) — the second AU Bank card besides NOMO with an explicitly confirmed Reward Point value, at ₹0.25/point, earning up to 8% on tiered UPI/contactless spend.
AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
AU Small Finance Bank
The other half of AU Bank's Aditya Birla co-brand pair (with ABC Nxt) — identical terms on the same shared page, distinguished only by a separate login portal and co-brand name.
Federal Bank
A promotionally fee-free card ("limited period offer," not a permanent term) earning 3x/2x/1x Federal Reward Points on travel/dining/other spend, with genuine no-spend-criteria international lounge access — one of only two Federal Bank pages this dataset could reach past its bot protection.
Federal Bank
Identical fees and rewards to its Visa sibling, but with a genuinely Mastercard-exclusive Golf Programme (4 green fees/year, 12 lessons, 50% off golf services) that Visa Celesta does not carry.
Federal Bank
The mass-market Federal Bank tier — 3x/2x/1x Federal Reward Points on healthcare/grocery, utility, and other spend — confirmed at a 2% forex markup, resolving an earlier, unconfirmed 3.5% claim found nowhere on the issuer's own site.
Federal Bank
The Mastercard network variant of Imperio, sharing identical fees, rewards, and lounge terms with its Visa sibling — no Mastercard-exclusive benefit (like Celesta's Golf Programme) was found for this tier.
Federal Bank
The entry tier — 3x/2x/1x Federal Reward Points on electronics/apparel, entertainment, and other spend — whose own APR is genuinely unresolved between two conflicting issuer-adjacent figures (5.88% p.a. vs. a 23.88%-45% p.a. tiered range), and whose forex markup could not be found anywhere.
Federal Bank
The Mastercard network variant of Signet — the one entry-tier card where a 2% forex markup was found with reasonable confidence, unlike its Visa sibling, though the same APR ambiguity applies.
Federal Bank
Not a standalone card — a RuPay floater linked to an existing Federal Bank Visa or Mastercard primary card, sharing its credit limit. Confirmed explicitly excluded from lounge access regardless of spend, since floater/add-on cardholders don't qualify.
Federal Bank
A dual-network card earning genuinely priced Scapia Coins (₹0.20 each) at 10% on Visa-rail spend or 5% on RuPay/UPI spend — zero forex markup, and unlimited domestic lounge access unlocked by a monthly (not quarterly) ₹20,000 spend gate.
Federal Bank
A metal Visa card fully controlled via the OneCard app, at a distinct 1% forex markup — but its own "OneCard Rewards Programme" states neither a per-category earn rate nor a ₹-per-point value anywhere, a genuine data gap rather than an assumption of parity with Federal Bank's usual Reward Points.
IndusInd Bank
Earns a flat number of Reward Points per qualifying transaction (≥₹500), tiered by transaction count rather than spend amount — 4/8/10 points per transaction as the count rises — at a precisely stated ₹0.35/point, with a free 3-month Zomato Gold membership on activation.
IndusInd Bank
The lifetime-free EazyDiner tier — earning at ₹0.20/point, half its Signature sibling's rate but with UPI enabled via the RuPay variant — sitting in the standard 2% DCC tier despite EazyDiner Signature's discounted 1%.
IndusInd Bank
A lifetime-free Visa card earning a flat 1.5 points per ₹150, with both cash (₹0.40) and non-cash (₹0.60) redemption values stated directly — the only card in this batch confirming both figures.
IndusInd Bank
Lets the cardholder pick one of four reward plans (Shop, Home, Travel, or Party) at issuance, each with its own category accelerator on top of a uniform 0.5-point/₹100 base rate — the currently-active, general-population version of this name, distinct from a since-discontinued government-sector variant.
IndusInd Bank
A Bajaj Capital Group co-brand (with Tiger Fintech) whose earn rate accelerates with cumulative ANNUAL spend rather than category — up to 6x the base 1-point-per-₹100 rate once ₹5 lakh/year is crossed — at a directly stated ₹0.40/point.
RBL Bank
A no-fee entry rewards card with an accelerated grocery rate, undercut by an unpublished point redemption value.
RBL Bank
A no-fee (for current applicants) flat 1% cashback card on retail and online spend, with a modest ₹500/month cap.
RBL Bank
A relationship-tier cashback card, free only for RBL's Aspire Banking segment — a general applicant cannot obtain it at all.
RBL Bank
The richer relationship-tier cashback card above Aspire Banking, with unconditional domestic lounge access and a genuine fuel surcharge waiver — free only for RBL's Signature Banking segment.
Yes Bank
A no-fee RuPay conversion product for Yes Bank's own existing Visa/Mastercard cardholders — not open to new-to-bank applicants.
Yes Bank
A 100% virtual, no-fee card issued through the Kiwi fintech app, explicitly closed to Yes Bank's own existing cardholders.
Yes Bank
A RuPay conversion product for existing UNI Credit Card holders only, earning cashback-style Uni coins with no disclosed INR value.
Yes Bank
A virtual-only RuPay variant restricted to existing Paisabazaar PaisaSave cardholders, adding a UPI cashback tier over the base card.
Yes Bank
A no-fee fintech co-brand card issued via the Zagg partner app, whose reward structure could not be extracted from the issuer's own page.
Yes Bank
A lifetime-free fintech co-brand card with a Credit Score report benefit, whose actual reward earn rate is genuinely undisclosed.
Bank of Baroda
A no-fee, 0%-forex fintech co-brand card earning Scapia Coins with a directly disclosed ₹0.20/coin redemption value and real unlimited (spend-gated) domestic lounge access — issued only through the Scapia app.
Bank of Baroda
A no-fee, 0%-forex fintech co-brand cashback card with a directly disclosed ₹0.01/coin value, whose own KFS carries a genuine compounding-rate discrepancy on its stated APR.
Bank of Baroda
A no-fee metal/plastic fintech co-brand card fully issued and serviced through the OneCard app, with a genuinely undisclosed reward earn rate and redemption value.
Bank of Baroda
A lifetime-free co-brand card genuinely restricted to active ICAI members, with a directly disclosed ₹0.25/point redemption rate.
Bank of Baroda
The near-identical ICSI counterpart to the ICAI card, restricted to active ICSI members, with a minor milestone-figure inconsistency versus its siblings.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Army personnel and veterans, with quarterly-spend-gated domestic lounge access.
Bank of Baroda
A lifetime-free defence-personnel card with no lounge access and the lowest base earn rate in BOBCARD's defence family.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Navy personnel and veterans, with a distinct higher-fee "Plus" variant not modeled separately here.
Bank of Baroda
A lifetime-free defence co-brand card restricted to Indian Coast Guard personnel and veterans, with real numeric domestic lounge access.
Bank of Baroda
The Assam Rifles counterpart to RAKSHAMAH, matching its fee, earn, and lounge structure exactly.
Bank of Baroda
An FD-secured card requiring no income proof, issued against a ₹30,000+ fixed deposit — BOBCARD discloses no credit-limit-to-FD ratio or tenure requirement.
Bank of Baroda
A government-scheme card exclusively for street vendors who have repaid their PM SVANidhi loan tranches — no cash withdrawal or international transactions permitted.
