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? 12 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 0.25% to 0.75%
Forex 3.5% Railway lounge Domestic lounge Golf Insurance 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 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 2% to 4%
Forex 3.5% International lounge Domestic lounge Golf Insurance +1 View details
Free Annual fee
Free Joining
Rewards 3% to 6%
Forex 1.5% Domestic lounge International lounge Movies Concierge +2 View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% Domestic lounge International lounge Memberships Movies +4 View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.5% Domestic lounge Golf Insurance View details
Free Annual fee
Free Joining
Rewards 1.5% to 3%
Forex 3.5% Domestic lounge Golf Insurance View details
Free Annual fee
Free Joining
Rewards 1.5% to 3%
Forex 3.5% Domestic lounge Concierge Golf Insurance +1 View details Browse credit cards by bank Browse by how you redeem rewards