Best Credit Cards Under ₹5,000 Fee
Updated March 2026 · 215 cards evaluated
Under ₹5,000/year, you enter premium territory — expect lounge access, higher reward rates, and meaningful travel benefits.
Quick Answer
The best card in this category is HDFC Tata Neu Infinity (Score: 9.1/10) — ₹1,499/year, up to 10% rewards. Runner-up: IDFC FIRST Diamond Reserve Credit Card (9.0/10).
HDFC · ₹1,499/yr · Up to 10% rewards
10% NeuCoins on Tata platforms (BigBasket, 1mg, Croma, Taj)
IDFC FIRST · ₹3,000/yr · Up to 10% rewards
1.0% reward rate on all spends
AU Small Finance Bank · Lifetime Free · Up to 5% rewards
Up to 10% discount on flights, buses & hotels via ixigo
SBI · ₹2,999/yr · Up to 7.5% rewards
Annual fee ₹2,999 (waiver: Spend ₹3L/year)
Federal Bank · Lifetime Free · Up to 10% rewards
Zero forex markup on a FREE card
HDFC · ₹500/yr · Up to 10% rewards
10% cashback on Swiggy orders
IndusInd · Lifetime Free · Up to 7.2% rewards
Buy 1 Get 1 movie tickets
IDFC FIRST · Lifetime Free · Up to 6% rewards
1.5% forex markup
HDFC · ₹1,000/yr · Up to 5% rewards
5% cashback on Amazon, Flipkart, Swiggy via SmartBuy
HDFC · ₹2,500/yr · Up to 3.3% rewards
3.3% back on travel via SmartBuy
How We Ranked These Cards
We evaluated 215 cards matching this category criteria, scored them using the CardTrail Score methodology (net value, feature depth, bank trust, accessibility), and ranked by relevance. All data is from official bank sources, verified March 2026.