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 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% Domestic lounge Lounge International lounge Lounge +6 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% International lounge Domestic lounge Memberships Movies +4 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