{"id":6274,"date":"2026-03-11T18:30:00","date_gmt":"2026-03-11T13:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6274"},"modified":"2026-03-13T09:25:56","modified_gmt":"2026-03-13T03:55:56","slug":"top-5-credit-cards-with-the-lowest-spend-requirement-for-annual-fee-waiver","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-credit-cards-with-the-lowest-spend-requirement-for-annual-fee-waiver\/","title":{"rendered":"Top 5 Credit Cards with the Lowest Spend Requirement for Annual Fee Waiver"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis: <\/strong>Many credit cards charge an annual fee, but several issuers waive this fee if users cross a certain spending threshold within a year. Opting for a card with a lower annual spend requirement can make the card feel almost free. Here are five credit cards in India with low annual fee waiver thresholds that are easier to maintain for moderate spenders.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Credit cards in India often come with annual fees ranging from \u20b9499 to near or above \u20b91,000, but banks usually allow cardholders to waive this fee if they meet a minimum yearly spending requirement. Those who want to enjoy credit card rewards without worrying about renewal charges need to select a card with a low fee-waiver threshold.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1832787643\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<p>Some entry-level and co-branded cards allow the annual fee to be waived with spending as low as <strong>\u20b925,000<\/strong> to <strong>\u20b950,000<\/strong> per year. This means spending of roughly \u20b92,500 to \u20b94,200 per month. Check the cards below that fall into this category and from which bank they are offered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-indianoil-axis-bank-premium-credit-card\" style=\"font-size:22px\"><strong>1. <\/strong><a href=\"https:\/\/www.axis.bank.in\/cards\/credit-card\/indianoil-premium-credit-card#feescharges\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>IndianOil Axis Bank Premium Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOil-Axis-Bank-Premium-Credit-Card-1024x683.jpg\" alt=\"IndianOil Axis Bank Premium Credit Card\" class=\"wp-image-6276\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOil-Axis-Bank-Premium-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOil-Axis-Bank-Premium-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/IndianOil-Axis-Bank-Premium-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fees: \u20b91000 + taxes<\/li>\n\n\n\n<li>Annual Fees: \u20b91000 + taxes<\/li>\n\n\n\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b930,000<\/li>\n\n\n\n<li>Card Type: Fuel Card<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Welcome benefit of 500 EDGE Miles on spend under the initial 30 days<\/li>\n\n\n\n<li>6 EDGE Mile for every \u20b9150 spent at the IOCL fuel outlet<\/li>\n\n\n\n<li>1% unlimited fuel surcharge waiver on fuel purchase at the IOCL outlet<\/li>\n\n\n\n<li>2 EDGE Mile on Every \u20b9150 spent at the grocery store and supermarket<\/li>\n\n\n\n<li>1 EDGE Mile on Every \u20b9150 spent uncapped<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-bobcard-easy-credit-card\" style=\"font-size:22px\"><strong>2. <\/strong><a href=\"https:\/\/www.bobcard.co.in\/credit-card-types\/easy\"><strong>BOBCARD Easy Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BOBCARD-Easy-Credit-Card-1024x683.jpg\" alt=\"BOBCARD Easy Credit Card\" class=\"wp-image-6277\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BOBCARD-Easy-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BOBCARD-Easy-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/BOBCARD-Easy-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fees: \u20b9500&nbsp;<\/li>\n\n\n\n<li>Annual Fees: \u20b9500<\/li>\n\n\n\n<li>Joining Fee Waiver: Spend an amount of \u20b96000 in the first 60 days<\/li>\n\n\n\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b935,000<\/li>\n\n\n\n<li>Card Type: Reward Card for Everyday Use<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-0\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Welcome benefit of 500 reward points on spending \u20b95000 within the initial 60 days<\/li>\n\n\n\n<li>5X reward points on every \u20b9100 spend at departmental stores<\/li>\n\n\n\n<li>5X reward points on every \u20b9100 spend at movies<\/li>\n\n\n\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n\n\n\n<li>1 reward point per \u20b9100 spent on other categories<\/li>\n\n\n\n<li>1 reward point is equal to 0.20<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-nainital-renaissance-bobcard\" style=\"font-size:22px\"><strong>3. <\/strong><a href=\"https:\/\/www.bobcard.co.in\/credit-card-types\/nainital-bank-renaissance\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Nainital Renaissance BOBCARD<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Nainital-Renaissance-BOBCARD-1024x683.jpg\" alt=\"Nainital Renaissance BOBCARD\" class=\"wp-image-6278\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Nainital-Renaissance-BOBCARD-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Nainital-Renaissance-BOBCARD-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Nainital-Renaissance-BOBCARD-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fees: \u20b90&nbsp;<\/li>\n\n\n\n<li>Annual Fees: \u20b9250<\/li>\n\n\n\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b925,000<\/li>\n\n\n\n<li>Card Type: Reward Card&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-1\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Welcome benefit of 500 reward points on spending \u20b95000 within the initial 60 days<\/li>\n\n\n\n<li>Up to three free-of-charge add-on cards provided<\/li>\n\n\n\n<li>Free personal Air accident coverage of \u20b915 lakhs<\/li>\n\n\n\n<li>Non-air accident insurance coverage of \u20b95 lakhs<\/li>\n\n\n\n<li>Up to 50 days of interest-free credit<\/li>\n\n\n\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n\n\n\n<li>Reward points are redeemable as cashback<\/li>\n\n\n\n<li>1 reward point is equal to \u20b90.25<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-up-to-50-discount-at-restaurants-check-this-lifetime-free-credit-card-offering-huge-dining-savings\" style=\"font-size:18px\"><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/up-to-50-discount-at-restaurants-check-this-lifetime-free-credit-card-offering-huge-dining-savings\/\">Up to 50% Discount at Restaurants: Check This Lifetime Free Credit Card Offering Huge Dining Savings<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-hdfc-bank-upi-rupay-credit-card\" style=\"font-size:22px\"><strong>4. <a href=\"https:\/\/bitli.in\/nIIv1A4\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Bank UPI Rupay Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/nIIv1A4\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Bank-UPI-Rupay-Credit-Card-1024x683.jpg\" alt=\"HDFC Bank UPI Rupay Credit Card\" class=\"wp-image-6279\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Bank-UPI-Rupay-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Bank-UPI-Rupay-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-Bank-UPI-Rupay-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fees: \u20b999 + applicable taxes.<\/li>\n\n\n\n<li>Annual Fees: \u20b999 + applicable taxes.<\/li>\n\n\n\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b925,000<\/li>\n\n\n\n<li>Card Type: Rupay Reward Card&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-2\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% cashpoints on groceries, supermarket purchases, dining out, and Payzapp spends<\/li>\n\n\n\n<li>2% cashpoints on utility spends<\/li>\n\n\n\n<li>1% cashpoints on&nbsp; other spends (exclusions present)<\/li>\n\n\n\n<li>Interest-free credit for up to 50 days<\/li>\n\n\n\n<li>Zero fuel surcharge benefit<\/li>\n\n\n\n<li>1 cash point is equal to \u20b90.25<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-hdfc-moneyback-credit-card\" style=\"font-size:22px\"><strong>5. <\/strong><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/moneyback-plus-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC MoneyBack+ Credit Card<\/strong><\/a><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-MoneyBack-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6282\" style=\"width:350px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-MoneyBack-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-MoneyBack-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/HDFC-MoneyBack-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Joining Fees: \u20b9500 + applicable taxes.<\/li>\n\n\n\n<li>Annual Fees: \u20b9500 + applicable taxes.<\/li>\n\n\n\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b950,000<\/li>\n\n\n\n<li>Card Type: Reward Card&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-3\"><strong>Benefits<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10X cashpoint on Flipkart, Swiggy, Reliance, Bigbasket<\/li>\n\n\n\n<li>2 Cashpoints per \u20b9150 on other spends<\/li>\n\n\n\n<li>500 reward points upon successful payment of the joining fee<\/li>\n\n\n\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n\n\n\n<li>Interest-free credit for up to 50 days<\/li>\n\n\n\n<li>\u20b9500 worth voucher as a gift on total spends of \u20b950,000 per calendar quarter<\/li>\n\n\n\n<li>10% off on Swiggy Dineout, additionally<\/li>\n\n\n\n<li>Cashpoint value in Product Catalogue up to \u20b9 0.25&nbsp;<\/li>\n\n\n\n<li>Cashpoint value in the unified SmartBuy Portal (on Flights\/ Hotel Bookings) is up to \u20b9 0.25&nbsp;<\/li>\n\n\n\n<li>Cashpoint value in CashBack is \u20b90.2&nbsp;<\/li>\n\n\n\n<li>Cashpoint value in Airmiles is 0.25 airmiles<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\" style=\"font-size:22px\"><strong>Comparison Table<\/strong><\/h2>\n\n\n<div id=\"footable_parent_6275\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"6275\" data-filter-delay=\"1000\" aria-label=\"credit card - Sheet1 (4).csv\"            id=\"footable_6275\"\n           data-unique_identifier=\"ninja_table_unique_id_3528647511_6275\"\n           class=\" foo-table ninja_footable foo_table_6275 ninja_table_unique_id_3528647511_6275 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Selecting a credit card with a low annual fee waiver requirement can significantly reduce the cost of holding a card. The card would still allow users to benefit from rewards, cashback, and interest-free credit without paying a yearly fee. As the comparison shows, several entry-level cards in India allow the renewal fee to be waived with annual spending between \u20b925,000 and \u20b950,000.<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-647588591\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: Many credit cards charge an annual fee, but several issuers waive this fee if users cross a certain spending threshold within a year. Opting for a card with a lower annual spend requirement can make the card feel almost free. Here are five credit cards in India with low annual fee waiver thresholds that [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3337,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:paragraph -->\n<p><em><strong>Synopsis: <\/strong>Many credit cards charge an annual fee, but several issuers waive this fee if users cross a certain spending threshold within a year. Opting for a card with a lower annual spend requirement can make the card feel almost free. Here are five credit cards in India with low annual fee waiver thresholds that are easier to maintain for moderate spenders.<\/em><\/p>\n<!-- \/wp:paragraph --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:paragraph -->\n<p>Credit cards in India often come with annual fees ranging from \u20b9499 to near or above \u20b91,000, but banks usually allow cardholders to waive this fee if they meet a minimum yearly spending requirement. Those who want to enjoy credit card rewards without worrying about renewal charges need to select a card with a low fee-waiver threshold.\u00a0<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some entry-level and co-branded cards allow the annual fee to be waived with spending as low as <strong>\u20b925,000<\/strong> to <strong>\u20b950,000<\/strong> per year. This means spending of roughly \u20b92,500 to \u20b94,200 per month. Check the cards below that fall into this category and from which bank they are offered.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-1-indianoil-axis-bank-premium-credit-card\" style=\"font-size:22px\"><strong>1. <\/strong><a href=\"https:\/\/www.axis.bank.in\/cards\/credit-card\/indianoil-premium-credit-card#feescharges\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>IndianOil Axis Bank Premium Credit Card<\/strong><\/a><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6276,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains.in\/money\/wp-content\/uploads\/2026\/03\/IndianOil-Axis-Bank-Premium-Credit-Card-1024x683.jpg\" alt=\"IndianOil Axis Bank Premium Credit Card\" class=\"wp-image-6276\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining Fees: \u20b91000 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fees: \u20b91000 + taxes<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b930,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Card Type: Fuel Card<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Welcome benefit of 500 EDGE Miles on spend under the initial 30 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>6 EDGE Mile for every \u20b9150 spent at the IOCL fuel outlet<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% unlimited fuel surcharge waiver on fuel purchase at the IOCL outlet<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>2 EDGE Mile on Every \u20b9150 spent at the grocery store and supermarket<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1 EDGE Mile on Every \u20b9150 spent uncapped<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-2-bobcard-easy-credit-card\" style=\"font-size:22px\"><strong>2. <\/strong><a href=\"https:\/\/www.bobcard.co.in\/credit-card-types\/easy\"><strong>BOBCARD Easy Credit Card<\/strong><\/a><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6277,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains.in\/money\/wp-content\/uploads\/2026\/03\/BOBCARD-Easy-Credit-Card-1024x683.jpg\" alt=\"BOBCARD Easy Credit Card\" class=\"wp-image-6277\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining Fees: \u20b9500&nbsp;<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fees: \u20b9500<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Joining Fee Waiver: Spend an amount of \u20b96000 in the first 60 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b935,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Card Type: Reward Card for Everyday Use<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-0\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Welcome benefit of 500 reward points on spending \u20b95000 within the initial 60 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5X reward points on every \u20b9100 spend at departmental stores<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>5X reward points on every \u20b9100 spend at movies<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1 reward point per \u20b9100 spent on other categories<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1 reward point is equal to 0.20<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-3-nainital-renaissance-bobcard\" style=\"font-size:22px\"><strong>3. <\/strong><a href=\"https:\/\/www.bobcard.co.in\/credit-card-types\/nainital-bank-renaissance\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Nainital Renaissance BOBCARD<\/strong><\/a><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6278,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains.in\/money\/wp-content\/uploads\/2026\/03\/Nainital-Renaissance-BOBCARD-1024x683.jpg\" alt=\"Nainital Renaissance BOBCARD\" class=\"wp-image-6278\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining Fees: \u20b90&nbsp;<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fees: \u20b9250<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b925,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Card Type: Reward Card&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-1\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Welcome benefit of 500 reward points on spending \u20b95000 within the initial 60 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to three free-of-charge add-on cards provided<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Free personal Air accident coverage of \u20b915 lakhs<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Non-air accident insurance coverage of \u20b95 lakhs<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Up to 50 days of interest-free credit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reward points are redeemable as cashback<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1 reward point is equal to \u20b90.25<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:quote -->\n<blockquote class=\"wp-block-quote\"><!-- wp:heading {\"level\":4,\"style\":{\"typography\":{\"fontSize\":\"18px\"}}} -->\n<h4 class=\"wp-block-heading\" id=\"h-also-read-up-to-50-discount-at-restaurants-check-this-lifetime-free-credit-card-offering-huge-dining-savings\" style=\"font-size:18px\"><strong>Also Read: <a href=\"https:\/\/tradebrains.in\/money\/up-to-50-discount-at-restaurants-check-this-lifetime-free-credit-card-offering-huge-dining-savings\/\">Up to 50% Discount at Restaurants: Check This Lifetime Free Credit Card Offering Huge Dining Savings<\/a><\/strong><\/h4>\n<!-- \/wp:heading --><\/blockquote>\n<!-- \/wp:quote -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-4-hdfc-bank-upi-rupay-credit-card\" style=\"font-size:22px\"><strong>4. <a href=\"https:\/\/bitli.in\/nIIv1A4\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Bank UPI Rupay Credit Card<\/a><\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"lightbox\":{\"enabled\":false},\"id\":6279,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"custom\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/nIIv1A4\"><img src=\"https:\/\/tradebrains.in\/money\/wp-content\/uploads\/2026\/03\/HDFC-Bank-UPI-Rupay-Credit-Card-1024x683.jpg\" alt=\"HDFC Bank UPI Rupay Credit Card\" class=\"wp-image-6279\" style=\"width:350px\"\/><\/a><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining Fees: \u20b999 + applicable taxes.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fees: \u20b999 + applicable taxes.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b925,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Card Type: Rupay Reward Card&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-2\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>3% cashpoints on groceries, supermarket purchases, dining out, and Payzapp spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>2% cashpoints on utility spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% cashpoints on\u00a0 other spends (exclusions present)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Interest-free credit for up to 50 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Zero fuel surcharge benefit<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1 cash point is equal to \u20b90.25<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-5-hdfc-moneyback-credit-card\" style=\"font-size:22px\"><strong>5. <\/strong><a href=\"https:\/\/www.hdfc.bank.in\/credit-cards\/moneyback-plus-credit-card\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>HDFC MoneyBack+ Credit Card<\/strong><\/a><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:image {\"id\":6282,\"width\":\"350px\",\"sizeSlug\":\"large\",\"linkDestination\":\"none\",\"align\":\"center\"} -->\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img src=\"https:\/\/tradebrains.in\/money\/wp-content\/uploads\/2026\/03\/HDFC-MoneyBack-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-6282\" style=\"width:350px\"\/><\/figure>\n<!-- \/wp:image -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>Joining Fees: \u20b9500 + applicable taxes.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fees: \u20b9500 + applicable taxes.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Annual Fee Waiver: Annual fee is waived on an annual spend of \u20b950,000<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Card Type: Reward Card&nbsp;<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-benefits-3\"><strong>Benefits<\/strong><\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item -->\n<li>10X cashpoint on Flipkart, Swiggy, Reliance, Bigbasket<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>2 Cashpoints per \u20b9150 on other spends<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>500 reward points upon successful payment of the joining fee<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>1% fuel surcharge waiver on spend between \u20b9400 to \u20b95000 (capped at \u20b9250)<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Interest-free credit for up to 50 days<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>\u20b9500 worth voucher as a gift on total spends of \u20b950,000 per calendar quarter<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>10% off on Swiggy Dineout, additionally<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashpoint value in Product Catalogue up to \u20b9 0.25\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashpoint value in the unified SmartBuy Portal (on Flights\/ Hotel Bookings) is up to \u20b9 0.25\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashpoint value in CashBack is \u20b90.2\u00a0<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Cashpoint value in Airmiles is 0.25 airmiles<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-comparison-table\" style=\"font-size:22px\"><strong>Comparison Table<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:shortcode -->\n[ninja_tables id=\"6275\"]\n<!-- \/wp:shortcode -->\n\n<!-- wp:heading {\"style\":{\"typography\":{\"fontSize\":\"22px\"}}} -->\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Selecting a credit card with a low annual fee waiver requirement can significantly reduce the cost of holding a card. The card would still allow users to benefit from rewards, cashback, and interest-free credit without paying a yearly fee. As the comparison shows, several entry-level cards in India allow the renewal fee to be waived with annual spending between \u20b925,000 and \u20b950,000.<\/p>\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[2132,19,901,2134,2131,2133],"ppma_author":[1323],"class_list":["post-6274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-bobcard-easy-credit-card","tag-credit-cards","tag-hdfc-bank-upi-rupay-credit-card","tag-hdfc-moneyback-credit-card","tag-indianoil-axis-bank-premium-credit-card","tag-nainital-renaissance-bobcard"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 5 Credit Cards with the Lowest Spend Requirement for Annual Fee Waiver<\/title>\n<meta name=\"description\" content=\"Credit cards in India often come with annual fees 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