Low annual fee cards that still earn real rewards. We track 266 of them from 32 banks, and 81 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • KotakVisa

    BIZ

    ₹499
    Annual fee
    ₹299
    Joining
    Rewards
    1% to 2%
    Forex
    3.5%
    • Domestic lounge
    • Insurance
    View details
  • HDFCVisa

    Biz Grow

    ₹500
    Annual fee
    ₹500
    Joining
    Rewards
    0.5% to 1.5%
    Forex
    3.5%
    • Dining
    • Insurance
    • Travel
    View details