Move reward points into partner brand wallets. We track 99 of them from 13 banks, 28 of which are lifetime free, and 51 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • IndusIndAmerican Express

    EPay

    Free
    Annual fee
    Free
    Joining
    Rewards
    0.5% to 1%
    Forex
    3.5%
    • Insurance
    • Memberships
    View details
  • IndusIndAmerican Express

    Celesta

    ₹5,000
    Annual fee
    ₹25,000
    Joining
    Rewards
    2% to 4%
    Forex
    3.5%
    • International lounge
    • Domestic lounge
    • Movies
    • Dining
    • +3
    View details