Last updated: 21 August 2026
What Is It?
Card activate karte waqt ek baar ki fee (₹99-₹5,000). Statement me "Joining Fee". Many cards first year free (FYF).
Typical Amounts
| Card Type | Fee |
|---|---|
| Entry | Free ya ₹99-₹500 |
| Mid | ₹500-₹2,000 |
| Premium | ₹2,500-₹5,900 |
| Ultra | ₹10,000-₹12,500 |
+18% GST alag.
Avoid
- Lifetime free cards
- FYF offers
- Bank se negotiate
- Co-branded (Amazon Pay ICICI = free)
Frequently Asked Questions
Q: Joining fee refundable?
A: No — charged as soon as it's activated.
Q: Cards with no joining fee?
A: Amazon Pay ICICI, IDFC First Wala, HDFC MoneyBack+ (FYF).
Convert your statement — free!
🚀 Open the Tool
🚀 Open the Tool