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? 6 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 3.5% Railway lounge Dining Movies Shopping +2 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 1% to 3%
Forex 0% Domestic lounge Concierge Dining Shopping +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 NA
Forex 0% Domestic lounge Dining Shopping View details Browse credit cards by bank Browse by how you redeem rewards