Cards that return plain cash rather than points. We track 268 of them from 32 banks, 55 of which are lifetime free, and 113 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

    White Reserve

    ₹12,500
    Annual fee
    ₹12,500
    Joining
    Rewards
    3% to 6%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Memberships
    • Concierge
    • +1
    View details
  • ICICIVisa

    Times Black

    ₹20,000
    Annual fee
    ₹20,000
    Joining
    Rewards
    2% to 2.5%
    Forex
    1.49%
    • International lounge
    • Domestic lounge
    • Concierge
    • Movies
    • +2
    View details
  • IndusIndVisa

    Pioneer Private

    ₹25,000
    Annual fee
    Free
    Joining
    Rewards
    2% to 5%
    Forex
    0%
    • Domestic lounge
    • International lounge
    • Guest lounge
    • Dining
    • +3
    View details
  • DBSVisa

    Vantage

    ₹50,000
    Annual fee
    ₹50,000
    Joining
    Rewards
    2% to 4%
    Forex
    1.75%
    • Domestic lounge
    • International lounge
    • Shopping
    • Dining
    • +2
    View details