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? 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 0% Domestic lounge Travel Concierge Dining +1 View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% Domestic lounge Insurance Travel View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 2.5% Domestic lounge International lounge Insurance Travel View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 2.5% Domestic lounge International lounge Insurance Travel View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% Domestic lounge Insurance Travel 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 Dining Insurance View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 3.5% 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% 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
Free Annual fee
Free Joining
Rewards 1.5% to 5%
Forex 2.75% View details
Free Annual fee
Free Joining
Rewards 1% to 3% International lounge Domestic lounge View details
Free Annual fee
Free Joining
Rewards 1% to 3% International lounge Domestic lounge View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3% Domestic lounge International lounge View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3% International lounge Domestic lounge View details
Free Annual fee
Free Joining
Rewards 1% to 2%
Forex 3% Domestic lounge International lounge Insurance View details Load more cards
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