Top 5 Low Annual Fee Credit Cards Offering Complimentary Golf Privileges in 2026

Synopsis: Golf privileges are usually associated with ultra-premium credit cards that carry high annual fees. However, some mid-tier cards now offer complimentary golf rounds or lessons at a much lowered annual fee. These cards allow users to access select golf courses and also enjoy travel, rewards, and other premium benefits.

Most believe that Golf has become a benefit attached only to premium credit cards or even ultra premium. It actually is true to some extent because earlier, such privileges were largely restricted to ultra-premium cards that charged annual fees of ₹10,000 or more. However as the years went on the card issuers have introduced many credit cards in the mid-tier segment that provide limited yet rewarding golf courses.

The golf lessons are presented in complimentary golf rounds, practice sessions, or lessons at partner golf courses in India and abroad. The cardholders who enjoy the sport or want occasional access can opt for this list of cards without requiring a very high annual fee. Below are some credit cards that provide complimentary golf privileges with low to moderate annual fees. 

1. Axis Bank Select Credit Card

• Joining Fee: ₹3000 
• Annual Fee: ₹3000 (waived on total spend of ₹8 lakh in a year)
• Golf lesson Offer
  • 6 complimentary golf rounds per year at select partner golf courses.
  • Additional 3 rounds on achieving spending milestones.
• Other Notable Benefits
  • 12 international complimentary airport lounge access each year via priority pass
  • 2 domestic airport lounge access per quarter on an spending of ₹50,000 in the previous quarter
  • Reward points on retail transactions.
  • Priority pass will be automatically renewed on a total spending of  ₹3 lakh a year

2. YES Bank ELITE+ Credit Card

• Joining Fees: ₹999+ taxes
• Annual Fees: ₹999+ taxes (waived on a total spend of ₹2 lakh annually)
• Golf lesson Offer
  • 4 domestic golf rounds each year at selected golf courses (capped at 1 round per month)
  • 1 golf lesson every month (up to 12 lessons annually).
  • 50% green fee discount on additional golf sessions beyond the complimentary limit.
• Other Notable Benefits
  • 3 international airport lounge visits as complimentary each year via Priority Pass.
  • 2 domestic airport lounge visits per quarter (spend condition may apply).
  • 12 reward points per ₹200 on online spending
  • 6 reward points per ₹200 on offline spending
  • 25% discount on movie tickets through BookMyShow (up to monthly caps).
  • 1% fuel surcharge waiver (₹400 to ₹5,000 purchase)
  • Credit shield insurance covers up to ₹3 lakh.

To apply for the card, please visit the Official Website

Also read: 6 Best Credit Cards for Redeeming Reward Points Into Flights & Luxury Hotel Stays in 2026

3. IDFC FIRST Ashva Credit Card

• Joining Fee: ₹2999 + taxes
• Annual Fee: ₹2999 + taxes
• Golf lesson Offer
  • 2 Complimentary golf rounds or lessons each month.
• Other Notable Benefits
  • 4 Domestic airport lounge access per quarter
  • 2 international airport lounge access per quarter
  • 4 domestic railway lounge access per quarter 
  • 1% forex markup

To apply for the card, please visit the Official Website

4. RBL Bank World Safari Credit Card

• Joining Fees: ₹3000+ taxes
• Annual Fees: ₹3000+ taxes
• Golf lesson Offer
  • 4 rounds of green fees per year (capped at 1 round each month)
  • 12 complimentary golf lessons per year (1 round per month)
  • Golf services are available at 50% discount (up to ₹1800 of the green fee beyond complimentary session)
• Other Notable Benefits
  • 2 reward points on eligible ₹100 spend on retail purchases
  • 5 reward points on every ₹100 spend on travel purchases
  • 2 complimentary airport lounge access in India on an spending of ₹35,000 on the previous quarter
  • 2 complimentary interaction al airport lounge access on a spend of ₹50,000 on previous quarter
  • 1% fuel surcharge waiver

To apply for the card, please visit the Official Website

5. IndusInd Tiger Credit Card

• Joining Fee: ₹0
• Annual Fee: ₹0
• Golf lesson Offer
  • 1 complimentary golf game or golf lesson per quarter at select partner golf courses.
  • Booking is facilitated through IndusInd’s partner golf programme.
• Other Notable Benefits
  • 2 domestic airport lounge visits per quarter.
  • 2 international airport lounge access annually as complimentary via Priority Pass.
  • Buy One Get One movie ticket offer on BookMyShow (twice a year).
  • Up to 6 reward points per ₹100 spent depending on category.
  • 1% fuel surcharge waiver on fuel transactions.

To apply for the card, please visit the Official Website

Quick Comparison

Conclusion

Golf privileges are now offered by mid-tier credit cards too as complimentary. Card issuers are gradually expanding lifestyle benefits beyond the middle segment. Although the number of complimentary rounds may be limited compared with higher tiered credit cards. These options still allow cardholders to enjoy occasional golf access along with other benefits such as airport lounge access, reward points, and other offers

Written by Kenbi Riba