You can add one biller (example: yearly LIC premium) and get the card LTF.
Also, there are spend based annual fee waiver depending on card variant.
I'm using credit cards since 2005 from SBI, ICICI, HDFC, CITI, Axis, UBI, Indusind but never shell out any annual fees (except SBI FBB StyleUp which don't have any fee waiver criteria).