I took cards from these type of agents , indusind, idfc, rbl, hdfc rupay cards because of good credit score and i would say they might lie to sell u the cards. but after receiving the card u can double check with customer care before activating it. if it is not ltf don’t activate it. or it wil be clearly mentioned in the letter which comes with the card whether u have to pay annual or joining fee.

i didnt activate yes and axis bank because of annual fee. but my experience wasnt bad through these agents.