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? 5 of 63 cards match what you picked What you can redeem for Annual fee Card network Perks included Who it suits Airport lounge access Bank
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 3%
Forex 3.5% Domestic lounge Dining Insurance View details Browse credit cards by bank Browse by how you redeem rewards