{"id":6136,"date":"2026-03-09T19:45:00","date_gmt":"2026-03-09T14:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6136"},"modified":"2026-03-09T17:24:47","modified_gmt":"2026-03-09T11:54:47","slug":"top-5-low-fee-credit-cards-that-offer-premium-benefits-like-lounge-access-cashback-and-more","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-low-fee-credit-cards-that-offer-premium-benefits-like-lounge-access-cashback-and-more\/","title":{"rendered":"Top 5 Low-Fee Credit Cards That Offer Premium Benefits Like Lounge Access, Cashback and More"},"content":{"rendered":"\n
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Synopsis:<\/strong> Credit cards with low annual fees often turn out to be more valuable in savings. Many cards in the \u20b9500 to \u20b91,500 fee range offer benefits such as fuel surcharge waivers, lounge access, cashback, and reward points. Let us check these five credit cards in India that balance affordability with useful everyday rewards.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Credit cards with low annual fee strike a good balance between credit and rewards. There are many banks in India now that offer cards with fees between \u20b9500 <\/strong>to \u20b91,500<\/strong> and still provide attractive benefits such as cashback, reward points, fuel surcharge waivers, and discounts on shopping or travel. <\/p>

\"scapia<\/a><\/div>\n\n\n\n

Those users who want more perks than entry-level cards but do not want to pay high annual fees can find these cards to be a wise option. Here is a closer look at five credit cards that are affordable and offer attractive rewards and benefits. <\/p>\n\n\n\n

1. HPCL IDFC FIRST Power+ Credit Card<\/a><\/strong><\/h2>\n\n\n\n
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  • Joining Fee: \u20b9499<\/li>\n\n\n\n
  • Annual Fee: \u20b9499<\/li>\n\n\n\n
  • Annual Fee Waiver: On annual spends of around \u20b91.5 lakh<\/li>\n\n\n\n
  • Forex Markup: 3.50%<\/li>\n<\/ul>\n\n\n\n

    Benefits<\/strong><\/h3>\n\n\n\n
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    • Welcome gift that is worth \u20b92500<\/li>\n\n\n\n
    • Low APR starting from 8.5% per year<\/li>\n\n\n\n
    • 0% Interest rate on ATM Cash Withdrawals till the due date<\/li>\n\n\n\n
    • 3X Reward points on UPI spend and other retail transactions<\/li>\n\n\n\n
    • Savings of up to 8.83% on hotel & flight bookings via IDFC FIRST Mobile App<\/li>\n\n\n\n
    • 5% savings as Rewards on Grocery & Utility expenses<\/li>\n\n\n\n
    • Up to 6.5% savings on your fuel expenses<\/li>\n\n\n\n
    • \u20b9500 worth Gift Voucher on HPCL fuel transaction of \u20b9500 or above as a welcome gift<\/li>\n\n\n\n
    • Complimentary 1 Domestic Airport Lounge access each quarter (min monthly spends of \u20b920,000 required to unlock)<\/li>\n\n\n\n
    • Complimentary Roadside Assistance worth \u20b91,399<\/li>\n\n\n\n
    • 25% off on movie tickets up to \u20b9100, once every month<\/li>\n<\/ul>\n\n\n\n

      Premium Benefits <\/strong><\/h3>\n\n\n\n

      The card offers welcome benefits along with complimentary lounge access; these kinds of privileges are mostly present in above medium-tier credit cards. The card also provides insurance coverage and discounts on other purchases. <\/p>