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? 11 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% 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 1% to 3%
Forex 3.5% Domestic lounge Dining Movies 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 5% to 60%
Forex 0% Domestic lounge International lounge Dining Movies +1 View details
Free Annual fee
Free Joining
Rewards NA
Forex 3.5% Domestic lounge International lounge Concierge Shopping +2 View details
Free Annual fee
Free Joining
Rewards NA
Forex 3.5% Domestic lounge International lounge Movies View details Browse credit cards by bank Browse by how you redeem rewards