Lists
Credit cards that waive the annual fee when you spend
99 credit cards whose banks waive the annual fee above a spend level, lowest stated spend first.
Updated 19 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.
Suryoday SFB RuPay Platinum Credit Card
Suryoday Small Finance Bank
Waived on annual spends of ₹20,000 or more
Annual fee ₹150 + GST
BUPB BGGB BRKGB Pragati
BOBCARD
Spend ₹25,000 annually for reversal of annual fees of ₹250
Annual fee ₹250
HDFC Bank UPI RuPay Credit Card
HDFC Bank
Renewal membership fee waived off by spending ₹25,000 and above in an annual year*
Annual fee ₹99 + GST
Paytm Mobile Credit Card
HDFC Bank
Renewal Year Fee waived upon spending ₹25,000 (Non-EMI spends) in the 12 months period
Annual fee ₹149 + GST
Easy
BOBCARD
From the second year onwards, spend ₹35,000 in the preceding card anniversary year and get your annual fee of ₹500 waived off
Annual fee ₹500
American Express SmartEarn Credit Card
American Express
Renewal fee waiver on eligible spends of ₹40,000 and above in the previous year of Cardmembership
Annual fee ₹495 + GST
Axis Bank MY Zone Easy Credit Card
Axis Bank
Annual fee waiver on spends of ₹50,000 in preceding card anniversary year
Annual fee ₹500
HPCL ENERGIE
BOBCARD
Renewal fee waiver on annual spends of ₹50K in every anniversary year
Annual fee ₹499
Freedom Credit Card
HDFC Bank
Renewal membership fee waived off by spending ₹50,000 and above in an annual year
Annual fee ₹500 + GST
MoneyBack+ Credit Card
HDFC Bank
Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Annual fee ₹500 + GST
PIXEL Go Credit Card
HDFC Bank
Spend ₹50,000 or more in the preceding 12 months and get renewal membership fee waived off for next year.
Annual fee ₹250 + GST
ICICI Bank HPCL Coral Credit Card
ICICI Bank
Spend ₹50,000 and get your annual Fee waived off for the next year
Annual fee ₹199 + GST
EaseMyTrip Credit Card
Standard Chartered India
Get annual fee of ₹350 waived off on spends of ₹50,000 or more on Standard Chartered EaseMyTrip Credit Card in the previous year.
Annual fee ₹350 + GST
Suryoday SFB RuPay Select Credit Card
Suryoday Small Finance Bank
Waived on annual spends of ₹50,000 or more
Annual fee ₹150 + GST
HDFC Bank Millennia Credit Card
HDFC Bank
Spend over ₹1,00,000 in a year before renewal to get your Credit Card fee waived
Annual fee ₹1,000 + GST
PhonePe HDFC Bank Uno Credit Card
HDFC Bank
Annual Year Fee waived upon spending ₹1,00,000 in the previous year
Annual fee ₹499 + GST
Regalia First Credit Card
HDFC Bank
Renewal Fee Waiver on annual spends above ₹1 lakh
Annual fee ₹1,000 + GST
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Spend ₹1,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Annual fee ₹499 + GST
FIRST EA₹N Credit Card
IDFC FIRST Bank
Yes, your annual fee of ₹499+GST will be waived off when you spend ₹1,00,000* or more in your previous anniversary year
Annual fee ₹499 + GST
BPCL SBI Card
SBI Card
Annual Fee of Rs.499 for BPCL SBI Credit Card will be reversed upon reaching annual spends of Rs.1 Lakh
Annual fee ₹499 + GST
Federal Bank VISA Imperio Credit Card
Federal Bank
Spend Rs. 1,50,000/- in current year and get a waiver on next year’s annual membership fee. Above condition is not applicable for customers onboarded with effect from 03rd April 2023, since no AMC is charged
Annual fee ₹0
IRCTC HDFC Bank Credit Card
HDFC Bank
Spend ₹1,50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Annual fee ₹500 + GST
Paytm Select Credit Card
HDFC Bank
Renewal year fee waived upon spending ₹1,50,000 in a year
Annual fee ₹1,000 + GST
Swiggy Ornge HDFC Bank Credit Card
HDFC Bank
Spend ₹1,50,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹500
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank
Spend over ₹1.5 lakh and get your annual Fee waived off for the next year
Annual fee ₹500 + GST
FIRST Power & Power+
IDFC FIRST Bank
The annual fee is waived off on spending ₹150,000 or more in the previous year (FIRST Power+); on a yearly spending of ₹50,000 in the previous year (FIRST Power)
Annual fee ₹499 + GST
Airtel Axis Bank Credit Card
Axis Bank
From the 2nd year, annual fee waived on annual spends above ₹2,00,000 (rent and wallet loads not counted)
Annual fee ₹500
SGI Exclusive CUB CSK/SRH Credit Cards
City Union Bank
Annual fee waived on spends of ₹2L (RuPay Platinum), ₹3L (Master Platinum), ₹5L (Master World)
Annual fee From the 2nd year onwards: RuPay Platinum ₹500 + GST (waived on spends of ₹2L); Master Platinum ₹1000 + GST (waived on spends of ₹3L); Master World ₹4000 + GST (waived on spends of ₹5L)
PhonePe HDFC Bank Ultimo Credit Card
HDFC Bank
Annual Year Fee waived upon spending ₹2,00,000 in the previous year
Annual fee ₹999 + GST
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Spend ₹2,00,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹1,000
Swiggy HDFC Bank Credit Card
HDFC Bank
Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Annual fee Renewal fee ₹500 plus applicable taxes
Hello Cashback
IDFC FIRST Bank
Spend ₹2,00,000 or more in a year and get 100% annual fee reversed; spend ₹1,00,000 - ₹2,00,000 in a year and get 50% annual fee reversed
Annual fee ₹1,000 + GST
Cashback SBI Card
SBI Card
999 (Waived off on annual spends of 2 Lakh or more in the preceding year)
Annual fee Annual fee: Rs. 999 + taxes
IRCTC SBI Card Premier
SBI Card
Waived off on annual spends of Rs. 2 Lakh or more in the preceding year
Annual fee ₹1,499 + GST
Eterna
BOBCARD
From the second year onwards, spend ₹2,50,000 in the preceding card anniversary year and get your annual fee of ₹2,499 waived off
Annual fee Annual fee ₹2,499, waived on ₹2,50,000 spend in the preceding card anniversary year from the second year onwards. W.e.f. 1st September 2026, ₹0 joining/first-year fee (limited period offer)
Diners Club Premium Credit Card
HDFC Bank
Renewal fee waiver on spending ₹3 lakh or more in a year before renewal date
Annual fee ₹2,500 + GST
Diners Club Privilege Credit Card
HDFC Bank
Spend ₹3,00,000 or more in a year before renewal date to get renewal fee waived
Annual fee ₹1,000 + GST
Doctors Regalia Credit Card
HDFC Bank
Spend ₹ 3L in 12 Months and get Renewal Fee waived for next renewal year.
Annual fee ₹2,500 + GST
Flipkart Wholesale HDFC Bank Credit Card
HDFC Bank
Renewal membership fee waived off by spending ₹3,00,000 and above in the previous year
Annual fee ₹499 + GST
Regalia Activ Credit Card
HDFC Bank
Renewal fee waived off if you spend more than ₹3 lakh in the previous year
Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Spend ₹3,00,000 or more in a year before renewal date and get renewal fee waived off
Annual fee ₹1,499 + GST
Adani One ICICI Bank Platinum Credit Card
ICICI Bank
Spend over ₹3 lakh and get your Annual Fee waived off for the following year
Annual fee ₹750 + GST
ICICI Bank Rubyx Credit Card
ICICI Bank
Spend over ₹3 lakh and get annual fee waived off for the next year
Annual fee ₹2,000 + GST
MakeMyTrip ICICI Bank Credit Card
ICICI Bank
Spend over ₹3 lakh in one year and get your annual fee waived off for the next year
Annual fee ₹999 + GST
Karur Vysya Bank SBI Card Prime
SBI Card
Renewal fee waived on annual spends of Rs. 3 lakhs
Annual fee ₹2,999 + GST
Reliance SBI Card PRIME
SBI Card
Spend-Based Fee Reversal on Annual Spends of Rs. 3 Lakhs
Annual fee ₹2,999 + GST
SBI Card PRIME
SBI Card
2,999 (Waived off on annual spends of 3 Lakh or more in the preceding year)
Annual fee ₹2,999 + GST
Tata Neu Infinity SBI Card
SBI Card
Annual Fee reversal on annual spends of 3 lakhs or more
Annual fee ₹1,499 + GST
IndianOil Easy Axis Bank Credit Card
Axis Bank
Spend more than ₹3,50,000 in a card anniversary year and you will be eligible for annual fee waiver
Annual fee ₹500
Flipkart SBI Card
SBI Card
Waived off on annual spends of Rs. 3.5 Lakhs or more in the preceding year
Annual fee ₹500 + GST
HDFC Bank Regalia Gold Credit Card
HDFC Bank
Fee waiver on annual spends of ₹4,00,000
Annual fee Joining fee ₹2500 plus applicable taxes; renewal fee ₹2500 plus applicable taxes
Axis Bank Privilege Credit Card
Axis Bank
Annual fee waiver on achieving spends of ₹5 lakhs in a card anniversary year.
Annual fee ₹0
Privilege Easy Credit Card
Axis Bank
Annual fees of ₹1,500 will be reversed on achieving spends of ₹5 lakhs in the previous card anniversary year
Annual fee ₹1,500
BOBCARD Etihad Guest Premium
BOBCARD
Applicable on spends of Rs. 5,00,000 in every anniversary year.
Annual fee ₹5,000 + GST
ICICI Bank Adani One Signature Credit Card
ICICI Bank
Spend over ₹6 lakh and get your annual fee waived off for the next year
Annual fee ₹5,000 + GST
ICICI Bank Sapphiro Credit Card
ICICI Bank
Spend over ₹6 lakh and get your Annual Fee waived off for the next year
Annual fee ₹3,500 + GST
Diamond Reserve
IDFC FIRST Bank
Waived off on annual spends of ₹6 Lakh and above
Annual fee ₹3,000 + GST
SBI Card MILES
SBI Card
Annual fee reversed on spends of Rs. 6 lakhs in a membership year
Annual fee ₹1,499 + GST
Axis Bank Select Credit Card
Axis Bank
Complete annual fee waiver on spending of ₹8 lakhs in a card anniversary year
Annual fee ₹3,000
HDFC Bank Diners Club Black Metal Edition Credit Card
HDFC Bank
Spend ₹8 lakh or more in a year before the renewal date to get the renewal fee waived.
Annual fee Joining fee ₹10,000 plus applicable taxes; renewal fee ₹10,000 plus applicable taxes
TravelOne Credit Card
HSBC India
Annual fee is free if you spend more than INR 800,000 a year
Annual fee Afterwards, the annual fee is INR4,999, or free if you spend more than INR 800,000 a year.
Infinia Metal Credit Card
HDFC Bank
Spend ₹10 lakh or more in a year before the renewal date to get the renewal fee waived
Annual fee ₹12,500 + GST
ICICI Bank Emeralde Credit Card
ICICI Bank
Spend over ₹10 lakh and get your Annual Fee waived for the next year
Annual fee ₹12,000 + GST
ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank
Spend over ₹10 lakh and get your annual fee waived for the next year
Annual fee ₹12,499 + GST
Gaj Credit Card
IDFC FIRST Bank
Annual fee waiver of ₹12,500 + GST by spending ₹10 lakhs in the previous card anniversary year
Annual fee ₹12,500 + GST
Solitaire Credit Card
IndusInd Bank
Waived off on spends of INR 10 lakhs or more in previous anniversary year
Annual fee ₹10,000
Karur Vysya Bank SBI Card Elite
SBI Card
Spend based reversal of Annual Fee on spends of Rs. 10 lakhs
Annual fee ₹4,999 + GST
SBI Card MILES PRIME
SBI Card
Waived off on annual spends of Rs.10 Lakh or more in the preceding year
Annual fee ₹2,999
UCO Bank SBI Card ELITE
SBI Card
Spend based reversal of Annual Fee on spends of Rs. 10 lakhs
Annual fee ₹4,999 + GST
SBI Card MILES ELITE
SBI Card
Annual Fee reversal on spends of Rs. 15 lakhs in a membership year
Annual fee ₹4,999 + GST
Axis Bank Magnus Credit Card
Axis Bank
Annual fee of ₹12,500 + Taxes waived off* on spend of ₹25 Lakhs in preceding year.
Annual fee Annual fee ₹12,500 + Taxes; waived off on spend of ₹25 Lakhs in preceding year
Times Black ICICI Bank Credit Card
ICICI Bank
You can get your annual fee waived from the 2nd year onwards on minimum spends of ₹25,00,000 made in the previous year.
Annual fee ₹20,000 + GST
Axis Bank Reserve Credit Card
Axis Bank
Waived on eligible spends of INR 35,00,000 in the preceding card anniversary year
Annual fee ₹50,000
American Express Membership Rewards Credit Card
American Express
Renewal fee of Rs.4500 100% waived off if total spends in the immediately preceding membership year is Rs.1,50,000 and above; 50% waived off if Rs.90,000 to Rs.1,49,999
Annual fee ₹4,500 + GST
American Express Platinum Reserve Credit Card
American Express
Renewal fee of Rs.10,000 100% waived off if total spends in the immediately preceding membership year is Rs.10,00,000 and above
Annual fee ₹10,000 + GST
Xcite Credit Card
AU Small Finance Bank
For 2nd year onwards fee waiver – ₹1,00,000 retail spends done in previous card anniversary year
Annual fee ₹249 + GST
Xcite Ultra Credit Card
AU Small Finance Bank
For 2nd year onwards fee waiver – ₹2,00,000 retail spends done in previous card anniversary year
Annual fee ₹749 + GST
Flipkart Axis Bank Credit Card
Axis Bank
Annual fee waived off on annual spends greater than ₹3,50,000
Annual fee ₹500
DBS Spark Credit Card
DBS Bank India
Annual Fee Waiver Spends Threshold: Spark 5 Rs. 1,50,000, Spark 10 Rs. 2,00,000, Spark 20 Rs. 2,50,000
Annual fee ₹499
Doctors Superia Credit Card
HDFC Bank
Renewal fee waiver on spending: ₹1 Lakh per annum
Annual fee ₹1,000
FIRST WOW! Black Credit Card
IDFC FIRST Bank
Annual fee of ₹750+GST will be waived if your total spends in an anniversary year reaches ₹1.5 lakh
Annual fee ₹750 + GST
Celesta Credit Card
IndusInd Bank
Annual fees will be reversed if spends during the period on the card account (Combined spends of Primary and all Add-on Cards, if any) is INR 10,00,000 or more
Annual fee ₹5,000
Apollo SBI Card SELECT
SBI Card
Renewal Fee waived if annual spends in the previous year are Rs. 3 Lakhs or more.
Annual fee ₹1,499 + GST
BPCL SBI Card OCTANE
SBI Card
Renewal Fee is reversible if annual spend for last year ≥ Rs. 200,000
Annual fee ₹1,499
Paytm SBI Card SELECT
SBI Card
Renewal Fee waived if annual spends in the previous year >= Rs. 2 Lakhs
Annual fee ₹1,499 + GST
Reliance SBI Card
SBI Card
Renewal Fee reversed if annual spends for last year >= Rs.1,00,000
Annual fee ₹499 + GST
SBI Card PULSE
SBI Card
Renewal Fee is reversed if annual spends for last year >= Rs. 2,00,000.
Annual fee ₹1,499 + GST
SimplyCLICK SBI Card
SBI Card
Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.
Annual fee ₹499 + GST
SimplySAVE SBI Card
SBI Card
Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.
Annual fee ₹499 + GST
Manhattan Credit Card
Standard Chartered India
Renewal fee reversed on spends greater than INR 120,000 in the previous year
Annual fee ₹999 + GST
Smart Credit Card
Standard Chartered India
The renewal fee will be reversed for clients with spends greater than or equal to INR 120,000 in the preceding year
Annual fee ₹499 + GST
