A number to call for bookings, reservations and errands. We track 97 of them from 19 banks, 17 of which are lifetime free, and 86 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • IDFCVisa

    Select

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 3%
    Forex
    0%
    • Domestic lounge
    • Railway lounge
    • Concierge
    • Movies
    • +2
    View details
  • IDFCVisa

    Wealth

    Free
    Annual fee
    Free
    Joining
    Rewards
    2% to 5%
    Forex
    0%
    • Domestic lounge
    • Lounge
    • International lounge
    • Lounge
    • +6
    View details
  • AUVisa

    Xcite Ultra

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 2%
    Forex
    3.49%
    • Domestic lounge
    • Railway lounge
    • Concierge
    • Dining
    • +1
    View details
  • AUVisa

    Xcite Ace

    Free
    Annual fee
    Free
    Joining
    Rewards
    0.5% to 1.5%
    Forex
    3.49%
    • Domestic lounge
    • Railway lounge
    • Insurance
    • Concierge
    • +1
    View details
  • Union BankRuPay

    Divaa

    ₹499
    Annual fee
    Free
    Joining
    Rewards
    NA
    Forex
    3%
    • Domestic lounge
    • International lounge
    • Shopping
    • Movies
    • +2
    View details
  • AUVisa

    Vetta

    ₹2,999
    Annual fee
    ₹2,999
    Joining
    Rewards
    2% to 4%
    Forex
    2.99%
    • Domestic lounge
    • International lounge
    • Concierge
    • Dining
    • +2
    View details
  • RBLVisa

    World Max

    ₹2,999
    Annual fee
    ₹2,999
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • Movies
    • Concierge
    View details
  • AUVisa

    Zenith⁺

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    3% to 6%
    Forex
    0.99%
    • Domestic lounge
    • International lounge
    • Shopping
    • Dining
    • +4
    View details
  • IDFCVisa

    Mayura

    ₹5,999
    Annual fee
    ₹5,999
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Guest lounge
    • International lounge
    • Railway lounge
    • +6
    View details
  • AUVisa

    Zenith

    ₹7,999
    Annual fee
    ₹7,999
    Joining
    Rewards
    3% to 5%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Railway lounge
    • Concierge
    • +3
    View details
  • SBIVisa

    Aurum

    ₹9,999
    Annual fee
    ₹9,999
    Joining
    Rewards
    3% to 10%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Lounge
    • Memberships
    • +4
    View details
  • AmexAmerican Express

    Platinum Reserve

    ₹10,000
    Annual fee
    ₹10,000
    Joining
    Rewards
    2% to 5%
    Forex
    3.5%
    • Domestic lounge
    • International lounge
    • Memberships
    • Concierge
    • +3
    View details
  • HDFCVisa

    Biz Black Metal

    ₹10,000
    Annual fee
    ₹10,000
    Joining
    Rewards
    2% to 5%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Concierge
    • Dining
    • +3
    View details
  • HDFCVisa

    Infinia Plastic

    ₹10,000
    Annual fee
    ₹10,000
    Joining
    Rewards
    3% to 33%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +6
    View details
  • Union BankRuPay

    Nexteria (Ekka)

    ₹12,499
    Annual fee
    ₹12,499
    Joining
    Rewards
    NA
    Forex
    3%
    • Domestic lounge
    • International lounge
    • Dining
    • Travel
    • +4
    View details
  • ICICIVisa

    Emeralde Private

    ₹12,499
    Annual fee
    ₹12,499
    Joining
    Rewards
    0.25% to 1%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +6
    View details