No annual fee and still an airport lounge — the shortlist. We track 63 of them from 18 banks. Compare the joining fee, annual fee, reward rate and forex markup for each below.
What matters most to you? What you can redeem for Annual fee Card network Perks included Who it suits Airport lounge access Bank
Free Annual fee
Free Joining
Rewards 0.25% to 0.75%
Forex 3.5% Railway lounge Domestic lounge Golf Insurance View details
Free Annual fee
Free Joining
Rewards 0.25% to 0.5%
Forex 3.5% View details
Free Annual fee
Free Joining
Rewards 1.5% to 5%
Forex 3.5% Domestic lounge Concierge Dining Golf +2 View details
Free Annual fee
Free Joining
Rewards 1.5% to 3%
Forex 3.5% Domestic lounge Concierge Dining Golf +1 View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.5% Domestic lounge Dining Insurance Vouchers View details
Free Annual fee
Free Joining
Rewards 0.5% to 1%
Forex 3.5% View details
Free Annual fee
Free Joining
Rewards 1% to 2.5%
Forex 3.5% View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% Railway lounge Movies Insurance Travel View details
Free Annual fee
Free Joining
Rewards 0.5% to 1.5%
Forex 3.5% Railway lounge Dining Movies Shopping +2 View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 1.99% Domestic lounge Railway lounge Concierge Movies +2 View details
Free Annual fee
Free Joining
Rewards 2% to 5%
Forex 1.5% International lounge Domestic lounge Railway lounge Concierge +4 View details
Free Annual fee
Free Joining
Rewards 2% to 4%
Forex 2.99% Domestic lounge International lounge Lounge Dining +3 View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 0% Railway lounge International lounge Domestic lounge Travel +1 View details
Free Annual fee
Free Joining
Rewards 0.5% to 1.5%
Forex 3.49% Domestic lounge Memberships Dining View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.49% Domestic lounge Railway lounge Concierge Dining +1 View details
Free Annual fee
Free Joining
Rewards 0.5% to 1.5%
Forex 3.49% Domestic lounge Railway lounge Concierge Dining +1 View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.5% View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% View details
Free Annual fee
Free Joining
Rewards 2% to 4%
Forex 3% Domestic lounge Dining Insurance View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 2% Domestic lounge Dining Memberships Insurance View details
Free Annual fee
Free Joining
Rewards 2% to 4%
Forex 2% Domestic lounge Dining Memberships Insurance View details
Free Annual fee
Free Joining
Rewards 2% to 4%
Forex 3.5% International lounge Domestic lounge Golf Insurance +1 View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.5% Domestic lounge Dining Insurance View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% Domestic lounge Dining Movies View details Load more cards
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