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? 9 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 0.5% to 1.5%
Forex 3.49% Domestic lounge Memberships Dining 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 Railway lounge Dining Insurance +3 View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3.5% Domestic lounge Railway lounge Insurance Memberships +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 1.5% to 3%
Forex 3.5% Domestic lounge Concierge Golf Insurance +1 View details
Free Annual fee
Free Joining
Rewards NA
Forex 1.99% Domestic lounge Dining Memberships Insurance View details Browse credit cards by bank Browse by how you redeem rewards 
