{
  "name": "card-fees",
  "licence": "CC BY 4.0",
  "attribution": "CreditParakh (https://creditparakh.in/data/)",
  "updated": "2026-10-20",
  "rows": [
    {
      "card": "Airtel Axis Bank Credit Card",
      "slug": "airtel-axis",
      "issuer": "Axis Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Renewal fee waived if you spend ₹2 lakh or more in the previous card year; rent, wallet loads and gift cards don't count towards it. No joining fee waiver is published. Paying the joining fee earns a ₹250 Amazon voucher on your first transaction within 30 days.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Amazon Pay ICICI Bank Credit Card",
      "slug": "amazon-pay-icici",
      "issuer": "ICICI Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee.",
      "lifetime_free": true,
      "forex_markup_pct": 1.99,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 30000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Axis Bank Horizon Credit Card",
      "slug": "axis-horizon",
      "issuer": "Axis Bank",
      "network": [
        "Visa",
        "Mastercard"
      ],
      "joining_fee_inr": 3000,
      "annual_fee_inr": 3000,
      "fee_waiver": "No spend-based waiver: the ₹3,000 fee is charged every year. Both fees are nil if you opened an Axis Burgundy savings account on or after 1 Jul 2026 (Axis can withdraw this). Paid cards get 5,000 EDGE Miles (worth ₹5,000 on Axis's travel portal) if the very first transaction is ₹1,000 or more and made within 30 days of issue, plus 1,500 miles at each card anniversary from the second year.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Axis Bank Magnus Credit Card",
      "slug": "axis-magnus",
      "issuer": "Axis Bank",
      "network": [
        "Mastercard"
      ],
      "joining_fee_inr": 12500,
      "annual_fee_inr": 12500,
      "fee_waiver": "Annual fee waived if you spend ₹25 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, EMI and cash withdrawals don't count towards it. If you pay the joining fee and use the card within 30 days of issue, you can pick a ₹12,500 welcome voucher from Luxe, The Postcard Hotels or Yatra. Both fees are nil for new Axis Burgundy salary account customers (from 1 Jul 2026) whose net monthly salary credit is ₹2 lakh or more, but that version has no welcome voucher and Axis can withdraw the offer.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 200000,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Axis Bank Magnus for Burgundy Credit Card",
      "slug": "axis-magnus-burgundy",
      "issuer": "Axis Bank",
      "network": [],
      "joining_fee_inr": 30000,
      "annual_fee_inr": 30000,
      "fee_waiver": "Annual fee waived if you spend ₹30 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, EMI and cash withdrawals don't count towards it. New applicants who use the card within 30 days of issue can pick a ₹5,000 welcome voucher (Luxe, The Postcard Hotels or a Yatra flight); Magnus holders who upgrade don't get it.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Axis Bank MY ZONE Credit Card",
      "slug": "axis-my-zone",
      "issuer": "Axis Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": null,
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-my-zone-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Axis Bank MY Zone Easy Credit Card",
      "slug": "axis-my-zone-easy",
      "issuer": "Axis Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "No fee waiver is published. Axis's credit-card-against-FD page lists this card with no joining or annual fee, but the card's own fee table shows ₹500 each, so expect ₹500 unless Axis confirms otherwise when you apply.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/my-zone-easy-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Axis Bank Neo Credit Card",
      "slug": "axis-neo",
      "issuer": "Axis Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 250,
      "annual_fee_inr": 250,
      "fee_waiver": "Joining fee ₹250, charged after you activate the card (the bank advertises it as lifetime free through some application channels). Annual fee ₹250 from year 2; no spend-based waiver is published.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Axis Bank Select Credit Card",
      "slug": "axis-select",
      "issuer": "Axis Bank",
      "network": [],
      "joining_fee_inr": 3000,
      "annual_fee_inr": 3000,
      "fee_waiver": "Annual fee waived if you spend ₹8 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, education, EMI conversions and cash withdrawals don't count towards it. Both fees are nil for Axis Burgundy account holders (no welcome points on that version); if you lose Burgundy status, the ₹3,000 fee applies. Paid cards get 10,000 EDGE Reward points (worth ₹2,000) on the first transaction within 30 days of issue.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.axis.bank.in/cards/credit-card/axis-bank-select-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Axis Bank SUPERMONEY RuPay Credit Card",
      "slug": "axis-supermoney",
      "issuer": "Axis Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee.",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/supermoney-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "BPCL SBI Card OCTANE",
      "slug": "bpcl-sbi-octane",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 1499,
      "annual_fee_inr": 1499,
      "fee_waiver": "Renewal fee refunded, within 30 days of being charged, if you spent ₹2,00,000 or more in the previous year.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/bpcl-sbi-card-octane.html",
      "last_verified": "2026-10-19"
    },
    {
      "card": "CASHBACK SBI Card",
      "slug": "cashback-sbi",
      "issuer": "SBI Card",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 999,
      "annual_fee_inr": 999,
      "fee_waiver": "Renewal fee reversed if annual spends in the previous year are ₹2,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/cashback-sbi-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "CheQ AU Credit Card (AU Small Finance Bank)",
      "slug": "cheq-au",
      "issuer": "AU Small Finance Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free; optional Visa LED card has a one-time ₹999 + GST issuance fee",
      "lifetime_free": true,
      "forex_markup_pct": null,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.au.bank.in/personal-banking/credit-cards/cheq-au-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "EazyDiner IndusInd Bank Platinum Credit Card",
      "slug": "eazydiner-indusind-platinum",
      "issuer": "IndusInd Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee, and no spend needed to keep it free.",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-platinum-credit-card.html",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Flipkart Axis Bank Credit Card",
      "slug": "flipkart-axis",
      "issuer": "Axis Bank",
      "network": [],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Joining fee ₹500 (the bank currently advertises a limited-period waiver). Annual fee ₹500 from year 2, waived on ₹3.5 lakh spend in the previous card year (rent and wallet loads don't count).",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/flipkart-axisbank-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "HDFC Bank Diners Club Black Metal Edition Credit Card",
      "slug": "hdfc-diners-black-metal",
      "issuer": "HDFC Bank",
      "network": [
        "Diners Club"
      ],
      "joining_fee_inr": 10000,
      "annual_fee_inr": 10000,
      "fee_waiver": "Renewal fee waived if you spend ₹8 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹1.5 lakh in the first 90 days to get Club Marriott, Amazon Prime and Swiggy One memberships; HDFC's terms call all three annual, while its product page shows Swiggy One for 3 months.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 250000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/diners-club-black-metal-edition-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HDFC Bank Diners Club Privilege Credit Card",
      "slug": "hdfc-diners-privilege",
      "issuer": "HDFC Bank",
      "network": [
        "Diners Club"
      ],
      "joining_fee_inr": 1000,
      "annual_fee_inr": 1000,
      "fee_waiver": "Renewal fee waived if you spend ₹3 lakh or more in the year before your renewal date (cash withdrawals and balance transfers don't count). No joining fee waiver is offered. Spend ₹75,000 in the first 90 days to get a year of Swiggy One and Times Prime.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 35000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/diners-privilege-credit-card/fees-and-charges",
      "last_verified": "2026-10-20"
    },
    {
      "card": "HDFC Bank INFINIA Credit Card Metal Edition",
      "slug": "hdfc-infinia",
      "issuer": "HDFC Bank",
      "network": [],
      "joining_fee_inr": 12500,
      "annual_fee_inr": 12500,
      "fee_waiver": "Renewal fee waived if you spend ₹10 lakh or more in the 12 months before your renewal date. Paying the joining fee, and each renewal fee, earns 12,500 reward points (worth ₹12,500 on HDFC SmartBuy flights and hotels). No joining fee waiver is offered.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.hdfc.bank.in/credit-cards/infinia-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HDFC Bank Millennia Credit Card",
      "slug": "hdfc-millennia",
      "issuer": "HDFC Bank",
      "network": [],
      "joining_fee_inr": 1000,
      "annual_fee_inr": 1000,
      "fee_waiver": "Renewal fee waived if you spend ₹1 lakh or more in the year before your renewal date. Paying the joining fee earns 1,000 CashPoints (worth ₹1,000 as statement credit). No joining fee waiver is offered.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/millennia-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HDFC Bank MoneyBack+ Credit Card",
      "slug": "hdfc-moneyback-plus",
      "issuer": "HDFC Bank",
      "network": [],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Renewal fee waived if you spend ₹50,000 or more in the year before your renewal date. Paying the joining fee earns 500 CashPoints (₹100 as statement credit), and each paid renewal earns another 500. No joining fee waiver is offered.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 20000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/moneyback-plus-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HDFC Bank PIXEL Play Credit Card",
      "slug": "pixel-play-hdfc",
      "issuer": "HDFC Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Joining fee waived on spends of ₹20,000 within 90 days of issuance; renewal fee waived on spends of ₹1,00,000 or more in a year before renewal date",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card/fees-and-charges",
      "last_verified": "2026-10-18"
    },
    {
      "card": "HDFC Bank Regalia Gold Credit Card",
      "slug": "hdfc-regalia-gold",
      "issuer": "HDFC Bank",
      "network": [],
      "joining_fee_inr": 2500,
      "annual_fee_inr": 2500,
      "fee_waiver": "Renewal fee waived if you spend ₹4 lakh or more in the 12 billing cycles before your renewal date. No joining fee waiver is offered.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 150000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HDFC Bank UPI RuPay Credit Card",
      "slug": "hdfc-upi-rupay",
      "issuer": "HDFC Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 99,
      "annual_fee_inr": 99,
      "fee_waiver": "Renewal fee waived from the second year if your retail spends in the previous year reach ₹25,000. EMIs, cash advances, card bill payments and card fees don't count towards it.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.hdfc.bank.in/credit-cards/hdfc-bank-upi-rupay-credit-card/fees-and-charges",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HSBC Live+ Credit Card",
      "slug": "hsbc-live-plus",
      "issuer": "HSBC",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 999,
      "annual_fee_inr": 999,
      "fee_waiver": "The ₹999 joining fee is charged after your first transaction. The ₹999 annual fee is charged at the end of each card year and refunded in full, with GST, if you spend more than ₹2,00,000 in that year across your main and add-on cards.",
      "lifetime_free": false,
      "forex_markup_pct": 1.99,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/live-plus-credit-card-services-guide.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HSBC Premier Credit Card",
      "slug": "hsbc-premier",
      "issuer": "HSBC",
      "network": [
        "Mastercard"
      ],
      "joining_fee_inr": 12000,
      "annual_fee_inr": 20000,
      "fee_waiver": "The ₹20,000 annual fee is waived every year while you remain a qualified HSBC Premier customer in India; if you stop meeting the Premier criteria, the ₹20,000 fee applies. The ₹12,000 joining fee is charged once you activate the card and is not waived. Add-on cards are free.",
      "lifetime_free": false,
      "forex_markup_pct": 0.99,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/premier_cc_tariff_mitc.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "HSBC RuPay Cashback Credit Card",
      "slug": "hsbc-rupay-cashback",
      "issuer": "HSBC",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "The ₹499 joining fee is charged after your first transaction. The ₹499 annual fee is charged at the end of each card year and refunded in full, with GST, if you spend more than ₹2,00,000 in that year across your main and add-on cards. HSBC Premier customers pay no annual fee.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.hsbc.bank.in/credit-cards/products/rupay-cashback-credit-card/",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HSBC RuPay Platinum Credit Card",
      "slug": "hsbc-rupay-platinum",
      "issuer": "HSBC",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining fee and no annual fee, with no spend condition. Add-on cards are also free.",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/credit-cards/rupay-platinum/hsbc-rupay-most-important-tncs.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "HSBC TravelOne Credit Card",
      "slug": "hsbc-travelone",
      "issuer": "HSBC",
      "network": [
        "Mastercard"
      ],
      "joining_fee_inr": 4999,
      "annual_fee_inr": 4999,
      "fee_waiver": "The ₹4,999 joining fee is not waived. The ₹4,999 annual fee is refunded in full, with GST, if you spend more than ₹8,00,000 in the card year across your main and add-on cards. HSBC's product page says the annual fee starts after the first year, but its card guide also lists an annual fee for the first year, so ask HSBC what you will pay in year one.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/most-important-terms-and-conditions.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "HSBC Visa Platinum Credit Card",
      "slug": "hsbc-visa-platinum",
      "issuer": "HSBC",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining fee and no annual fee.",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 50000,
      "source_url": "https://www.hsbc.bank.in/content/dam/hsbc/in/documents/platinum_mostimp_tnc.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "ICICI Bank Coral RuPay Credit Card",
      "slug": "icici-coral-rupay",
      "issuer": "ICICI Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "The ₹500 annual fee from the second year is refunded if you spend ₹1,50,000 or more in that card year. EMI, rent, government and education payments don't count towards it.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 20000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/coral-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "ICICI Bank Emeralde Credit Card",
      "slug": "icici-emeralde",
      "issuer": "ICICI Bank",
      "network": [
        "Mastercard",
        "American Express"
      ],
      "joining_fee_inr": 12000,
      "annual_fee_inr": 12000,
      "fee_waiver": "From the second year, the ₹12,000 annual fee is reversed if you spend ₹10 lakh or more in the card year. Rent, government, education and EMI payments don't count towards it. ICICI's product page says the waiver applies to the next year's fee; its terms say the fee for the year in which you reach ₹10 lakh is reversed when that year ends. ICICI lists no welcome benefit for paying the joining fee.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 150000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "ICICI Bank Emeralde Private Metal Credit Card",
      "slug": "icici-emeralde-private-metal",
      "issuer": "ICICI Bank",
      "network": [],
      "joining_fee_inr": 12499,
      "annual_fee_inr": 12499,
      "fee_waiver": "From the second year, the ₹12,499 annual fee is reversed if you spend ₹10 lakh or more in the card year. Rent, government, education and EMI payments don't count towards it. ICICI's product page says the waiver applies to the next year's fee; its terms say the fee for the year in which you reach ₹10 lakh is reversed when that year ends. Paying the joining fee, and each annual fee, brings 12,500 bonus reward points plus Taj Epicure Plus and EazyDiner Prime memberships.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/emeralde-private-metal-credit-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "ICICI Bank Instant Platinum Credit Card",
      "slug": "icici-instant-platinum",
      "issuer": "ICICI Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "No joining or annual fee.",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc_cc.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "ICICI Bank Rubyx Credit Card",
      "slug": "icici-rubyx",
      "issuer": "ICICI Bank",
      "network": [
        "Visa",
        "Mastercard",
        "American Express",
        "RuPay"
      ],
      "joining_fee_inr": 3000,
      "annual_fee_inr": 2000,
      "fee_waiver": "From the second year, the ₹2,000 annual fee is reversed if you spend ₹3 lakh or more in the card year. Rent, government, education and EMI payments don't count towards it. ICICI's product page says the waiver applies to the next year's fee; its terms say the fee for the year in which you reach ₹3 lakh is reversed when that year ends. Paying the joining fee brings welcome vouchers ICICI values at over ₹15,000.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 75000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/rubyx-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "ICICI Bank Sapphiro Credit Card",
      "slug": "icici-sapphiro",
      "issuer": "ICICI Bank",
      "network": [
        "Visa",
        "Mastercard",
        "American Express",
        "RuPay"
      ],
      "joining_fee_inr": 6500,
      "annual_fee_inr": 3500,
      "fee_waiver": "The next year's ₹3,500 annual fee is waived if you spend ₹6,00,000 or more in a card year. EMI, rent, government and education payments don't count towards it. Paying the joining fee brings welcome vouchers worth over ₹13,000.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 75000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/sapphiro-card",
      "last_verified": "2026-10-19"
    },
    {
      "card": "IDFC FIRST Bank HPCL FIRST Power Credit Card",
      "slug": "idfc-first-power",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 199,
      "annual_fee_inr": 199,
      "fee_waiver": "Annual fee reversed on spends of ₹50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch",
      "lifetime_free": false,
      "forex_markup_pct": 0,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST Bank HPCL FIRST Power+ Credit Card",
      "slug": "idfc-first-power-plus",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Annual fee reversed on spends of ₹1,50,000 or more in the previous anniversary year; joining fee must be paid (plus GST) before card dispatch",
      "lifetime_free": false,
      "forex_markup_pct": 0,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.idfcfirst.bank.in/credit-card/hpcl-power-fuel-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST Classic Credit Card",
      "slug": "idfc-first-classic",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee, and no spend needed to keep it free.",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "IDFC FIRST Mayura Credit Card",
      "slug": "idfc-first-mayura",
      "issuer": "IDFC FIRST Bank",
      "network": [
        "Mastercard"
      ],
      "joining_fee_inr": 5999,
      "annual_fee_inr": 5999,
      "fee_waiver": "This card isn't free: the ₹5,999 joining fee and the ₹5,999 annual fee apply whatever you spend, with no spend-based waiver. Paying the joining fee brings up to 12,000 reward points (4,000 on payment, then 4,000 for each of ₹20,000 spent in your 2nd and 3rd statement cycles), once per customer. When the annual fee is paid, spending ₹8 lakh in the previous card year earns 7,500 points, or ₹15 lakh earns 15,000 points.",
      "lifetime_free": false,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "IDFC FIRST Millennia Credit Card",
      "slug": "idfc-first-millennia",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee, no spend condition",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST Select Credit Card",
      "slug": "idfc-first-select",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 100000,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST SWYP Credit Card",
      "slug": "idfc-first-swyp",
      "issuer": "IDFC FIRST Bank",
      "network": [],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "No spend-based waiver published. The joining fee must be paid (plus GST) after approval before the card is activated and dispatched; annual fee applies from the second card year",
      "lifetime_free": false,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST Wealth Credit Card",
      "slug": "idfc-first-wealth",
      "issuer": "IDFC FIRST Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee, no spend condition",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 300000,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IDFC FIRST WOW! Credit Card",
      "slug": "idfc-first-wow",
      "issuer": "IDFC FIRST Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee (secured card against an IDFC FIRST fixed deposit)",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IndianOil Axis Bank Credit Card",
      "slug": "indianoil-axis",
      "issuer": "Axis Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Annual fee waived on spends above ₹3,50,000 in a card anniversary year (rent, wallet load, EMI, cash, insurance etc. do not count)",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IndianOil RBL Bank XTRA Credit Card",
      "slug": "indianoil-rbl-xtra",
      "issuer": "RBL Bank (co-brand with IndianOil)",
      "network": [
        "Mastercard",
        "RuPay"
      ],
      "joining_fee_inr": 1500,
      "annual_fee_inr": 1500,
      "fee_waiver": "Annual fee of ₹1,500 waived on eligible annual spends of ₹2.75 lakh (excludes utilities, insurance, rent, education, wallets, government, etc.). The ₹1,500 is also charged in the first year (welcome benefit requires paying it).",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://webassets.rbl.bank.in/document/credit-cards/tnc-indianoil-rbl-bank-extra-credit-card.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IndusInd Bank Platinum RuPay Credit Card",
      "slug": "indusind-platinum-rupay",
      "issuer": "IndusInd Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 10000,
      "annual_fee_inr": 0,
      "fee_waiver": "No annual fee. IndusInd Bank's fee terms list a ₹10,000 joining fee, while its website markets the card as lifetime free. The terms say you're told the actual fee when you apply, so check the joining fee before you go ahead.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "IndusInd Bank Tiger Credit Card",
      "slug": "indusind-tiger",
      "issuer": "IndusInd Bank (co-brand with Tiger Fintech, a Bajaj Capital Group company)",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee",
      "lifetime_free": true,
      "forex_markup_pct": 1.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Jupiter Edge+ RuPay Credit Card (CSB Bank)",
      "slug": "jupiter-edge-csb-rupay",
      "issuer": "CSB Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 999,
      "annual_fee_inr": 0,
      "fee_waiver": "Joining fee ₹999 (Jupiter currently advertises a limited-period waiver). No annual fee.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://jupiter.money/edge-csb-card-kfs/",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Kiwi RuPay Credit Card (PNB)",
      "slug": "kiwi-pnb-rupay",
      "issuer": "Punjab National Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Virtual card: no joining or annual fee",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 20833,
      "source_url": "https://creditcard.pnb.bank.in/types18.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Kiwi RuPay Credit Card (YES Bank Klick)",
      "slug": "kiwi-yes-rupay",
      "issuer": "YES Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: nil joining and nil renewal fee, no spend condition",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.yes.bank.in/sites/web/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Kotak League Platinum Credit Card",
      "slug": "kotak-league-platinum",
      "issuer": "Kotak Mahindra Bank",
      "network": [],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Annual fee ₹499 per the bank's fee terms (its product page shows no annual fee, so confirm when you apply); waived on retail spends of ₹50,000 or more in a year. The joining fee isn't waived.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 41667,
      "source_url": "https://www.kotak.bank.in/en/personal-banking/cards/credit-cards/league-platinum-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Kotak811 Dream Different Credit Card",
      "slug": "kotak-811-dream-different",
      "issuer": "Kotak Mahindra Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 424,
      "annual_fee_inr": 0,
      "fee_waiver": "No annual fee. Since 1 September 2026 a ₹424 joining fee (about ₹500 with GST) is charged when you activate the card, with no waiver. The product page still advertises no joining fee as a limited-period offer, so check the fee shown when you apply. The metal version costs ₹3,500 to join.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.kotak.bank.in/content/dam/Kotak/files/key-fact-statement/DreamDifferent.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Kotak811 super.money Credit Card",
      "slug": "kotak-811-super-money",
      "issuer": "Kotak Mahindra Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 249,
      "annual_fee_inr": 0,
      "fee_waiver": "No annual fee. There's no joining fee if your FD is ₹5,000 or more, or if you use only the virtual card. A ₹249 joining fee applies when the FD is under ₹5,000 and you ask for a physical card.",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.kotak811.bank.in/credit-cards/811-super-money-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "LIC Axis Bank Platinum Credit Card",
      "slug": "lic-axis-platinum",
      "issuer": "Axis Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: joining, annual and add-on fees Nil",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/mitnc",
      "last_verified": "2026-10-18"
    },
    {
      "card": "LIC Axis Bank Signature Credit Card",
      "slug": "lic-axis-signature",
      "issuer": "Axis Bank",
      "network": [],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: joining, annual and add-on fees Nil",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.axis.bank.in/mitnc",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Marriott Bonvoy HDFC Bank Credit Card",
      "slug": "marriott-bonvoy-hdfc",
      "issuer": "HDFC Bank",
      "network": [],
      "joining_fee_inr": 3000,
      "annual_fee_inr": 3000,
      "fee_waiver": "No fee waiver: the ₹3,000 fee is charged every year, the first time about 45 days after the card is issued. Each time the fee is charged you get a Free Night Award for a Marriott hotel (worth up to 15,000 Marriott Bonvoy points) and 10 Elite Night Credits, and the card comes with Marriott Bonvoy Silver Elite status.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 100000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/marriott-bonvoy-credit-card/fees-and-charges",
      "last_verified": "2026-10-20"
    },
    {
      "card": "OneCard (One Credit Card)",
      "slug": "onecard",
      "issuer": "Federal Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee for the main card, and the metal card is issued free. A metal add-on card costs ₹3,000 (a plastic add-on is free), and cancelling within 6 months of activating the card costs ₹3,000 for the metal card or ₹500 for a plastic one.",
      "lifetime_free": true,
      "forex_markup_pct": 1,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://assets.getonecard.app/assets/legal/Federal_KFS.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "PhonePe SBI Card PURPLE",
      "slug": "phonepe-sbi-purple",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Renewal fee reversed if you spend ₹1 lakh or more in the previous membership year. After paying the first-year fee of ₹499 you get a ₹500 PhonePe e-gift voucher (valid 12 months). PhonePe's own page advertised a limited-time zero joining fee in September 2026; SBI Card's fee schedule still lists ₹499, so check the fee shown when you apply.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-purple.html",
      "last_verified": "2026-10-19"
    },
    {
      "card": "PhonePe SBI Card SELECT BLACK",
      "slug": "phonepe-sbi-select-black",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 1499,
      "annual_fee_inr": 1499,
      "fee_waiver": "Renewal fee reversed if you spend ₹3 lakh or more in the previous membership year. After paying the first-year fee of ₹1,499 you get a ₹1,500 PhonePe e-gift voucher (valid 12 months). PhonePe's own page advertised a limited-time zero joining fee in September 2026; SBI Card's fee schedule still lists ₹1,499, so check the fee shown when you apply.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/phonepe-sbi-card-select-black.html",
      "last_verified": "2026-10-19"
    },
    {
      "card": "RBL Bank ShopRite Credit Card",
      "slug": "rbl-shoprite",
      "issuer": "RBL Bank",
      "network": [
        "Mastercard",
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 500,
      "annual_fee_inr": 500,
      "fee_waiver": "Annual fee of ₹500 waived if eligible spends reach ₹1.5 lakh in the membership year (excludes fuel, utilities, insurance, railways, rent, education, etc.). The ₹500 is also charged in the first year (welcome points need it paid).",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.rbl.bank.in/personal-banking/cards/credit-cards/shoprite-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Roarbank UPI Credit Card (Unity Small Finance Bank)",
      "slug": "roarbank-upi",
      "issuer": "Unity Small Finance Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining, annual or renewal fee, no conditions",
      "lifetime_free": true,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://unity.bank.in/personal-banking/cards/credit-card/usfb-roarbank-credit-card",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SalarySe Level UP Credit Card (City Union Bank)",
      "slug": "salaryse-level-up",
      "issuer": "City Union Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Virtual card is lifetime free. Optional physical + virtual card: ₹500 + GST joining, ₹500 + GST annual from year 2 (waived on ₹2 lakh annual spend).",
      "lifetime_free": true,
      "forex_markup_pct": 2,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.cityunionbank.bank.in/filemanager/Oct26/KFS_V6%20English.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SBI Card ELITE",
      "slug": "sbi-elite",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "Mastercard",
        "American Express"
      ],
      "joining_fee_inr": 4999,
      "annual_fee_inr": 4999,
      "fee_waiver": "Renewal fee waived if annual spends in the previous year are ₹10,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 1.99,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SBI Card MILES ELITE",
      "slug": "sbi-miles-elite",
      "issuer": "SBI Card",
      "network": [
        "Mastercard",
        "RuPay"
      ],
      "joining_fee_inr": 4999,
      "annual_fee_inr": 4999,
      "fee_waiver": "Renewal fee waived if annual spends in the previous year are ₹15,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 1.99,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-miles-elite.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SBI Card PRIME",
      "slug": "sbi-prime",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "Mastercard",
        "American Express"
      ],
      "joining_fee_inr": 2999,
      "annual_fee_inr": 2999,
      "fee_waiver": "Renewal fee waived if annual spends in the previous year are ₹3,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SBI Card PULSE",
      "slug": "sbi-pulse",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "Mastercard"
      ],
      "joining_fee_inr": 1499,
      "annual_fee_inr": 1499,
      "fee_waiver": "Renewal fee reversed if annual spends in the previous year are ₹2,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-pulse.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Scapia Federal Bank Credit Card (Visa + complimentary RuPay)",
      "slug": "scapia-federal",
      "issuer": "Federal Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Zero joining and annual fees",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.federal.bank.in/scapia",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SimplyCLICK SBI Card",
      "slug": "simplyclick-sbi",
      "issuer": "SBI Card",
      "network": [
        "American Express"
      ],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/simplyclick-sbi-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "SimplySAVE SBI Card",
      "slug": "simplysave-sbi",
      "issuer": "SBI Card",
      "network": [
        "Visa",
        "Mastercard"
      ],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.sbicard.com/en/personal/credit-cards/simplysave-sbi-card.html",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Suryoday SFB Stable Money RuPay Platinum Credit Card",
      "slug": "stable-money-suryoday",
      "issuer": "Suryoday Small Finance Bank",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free: no joining or annual fee. A one-time ₹150 fee (including GST) applies if you close the card or cut its limit to ₹4,500 or less within 3 months of issue.",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://suryoday.bank.in/assets/pdf/kfs-ssfb-rupay-platinum-credit-card-5oct.pdf",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Swiggy BLCK HDFC Bank Credit Card",
      "slug": "swiggy-blck-hdfc",
      "issuer": "HDFC Bank",
      "network": [
        "Mastercard"
      ],
      "joining_fee_inr": 1000,
      "annual_fee_inr": 1000,
      "fee_waiver": "The ₹1,000 joining fee is waived if you spend ₹75,000 within 90 days of getting the card. From the second year, the ₹1,000 annual fee is waived if you spend ₹2 lakh in the year. Existing Swiggy HDFC Bank cardholders who switch to this card get the first year free if their old card charged a fee; if their old card was lifetime free, they pay ₹1,000 a year.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 100000,
      "source_url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/swiggy-blck-hdfc-bank-credit-card/pdf/combined-tncs-ornge-and-blck.pdf",
      "last_verified": "2026-10-19"
    },
    {
      "card": "Tata Neu Infinity HDFC Bank Credit Card",
      "slug": "tata-neu-infinity-hdfc",
      "issuer": "HDFC Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 1499,
      "annual_fee_inr": 1499,
      "fee_waiver": "Renewal fee waived on spends of ₹3,00,000 or more in the year before the renewal date. Welcome benefit of 1,499 NeuCoins (credited by Tata Digital in the Tata Neu app) on the first transaction within 30 days of issuance, given as a reversal of the first-year fee",
      "lifetime_free": false,
      "forex_markup_pct": 2,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 100000,
      "source_url": "https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card/fees-and-charges/pdf/tata1.pdf",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Tata Neu Plus HDFC Bank Credit Card",
      "slug": "tata-neu-plus-hdfc",
      "issuer": "HDFC Bank",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 499,
      "annual_fee_inr": 499,
      "fee_waiver": "Renewal fee waived on spends of ₹1,00,000 or more in the year before the renewal date. Welcome benefit of 499 NeuCoins (credited by Tata Digital in the Tata Neu app) on the first transaction within 30 days of issuance, given as a reversal of the first-year fee",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card/fees-and-charges",
      "last_verified": "2026-10-18"
    },
    {
      "card": "Times Black ICICI Bank Credit Card",
      "slug": "icici-times-black",
      "issuer": "ICICI Bank",
      "network": [
        "Visa"
      ],
      "joining_fee_inr": 20000,
      "annual_fee_inr": 20000,
      "fee_waiver": "From the second year, the ₹20,000 annual fee is waived if you spent ₹25 lakh or more in the previous card year. Rent, government, education and EMI payments don't count towards it. Paying the joining fee within the first two statements unlocks the welcome benefits: a ₹12,000 Lohono or ₹10,000 EaseMyTrip stay voucher, ₹10,000 of visa services (Atlys and OneVasco), Toni&Guy and Interflora vouchers (₹3,000 and ₹1,000) and a year of Zomato Gold.",
      "lifetime_free": false,
      "forex_markup_pct": 1.49,
      "works_on_upi": false,
      "min_income_salaried_inr_month": 200000,
      "source_url": "https://www.icici.bank.in/personal-banking/cards/credit-card/times-black-icici-credit-card",
      "last_verified": "2026-10-20"
    },
    {
      "card": "Uni GoldX Credit Card (BOBCARD)",
      "slug": "uni-goldx",
      "issuer": "BOBCARD Limited (Bank of Baroda subsidiary)",
      "network": [
        "Visa",
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 0,
      "fee_waiver": "Lifetime free; no joining or annual fee",
      "lifetime_free": true,
      "forex_markup_pct": 0,
      "works_on_upi": true,
      "min_income_salaried_inr_month": null,
      "source_url": "https://www.uni.cards/credit-card-key-facts/bobbank/",
      "last_verified": "2026-10-18"
    },
    {
      "card": "YES BANK POP-CLUB Credit Card",
      "slug": "yes-pop-club",
      "issuer": "YES BANK (co-brand with Pop Club)",
      "network": [
        "RuPay"
      ],
      "joining_fee_inr": 0,
      "annual_fee_inr": 399,
      "fee_waiver": "No joining fee. Annual fee ₹399, waived on ₹1.5 lakh spend in a card anniversary year. The bank currently advertises a limited-time lifetime-free offer; cards issued under it don't pay the annual fee.",
      "lifetime_free": false,
      "forex_markup_pct": 3.5,
      "works_on_upi": true,
      "min_income_salaried_inr_month": 25000,
      "source_url": "https://www.yes.bank.in/personal-banking/yes-individual/cards/credit-cards/pop-club-credit-card",
      "last_verified": "2026-10-18"
    }
  ]
}