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 2%
Forex 3% Domestic lounge International lounge Insurance 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 1.99% Domestic lounge Dining Memberships Insurance View details
Free Annual fee
Free Joining
Rewards NA
Forex 0% Domestic lounge Dining Shopping View details
Free Annual fee
Free Joining
Rewards NA
Forex 0% Domestic lounge Travel Dining Shopping View details
Free Annual fee
Free Joining
Rewards NA
Forex 1.99% Domestic lounge International lounge 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
Free Annual fee
Free Joining
Rewards 1.5% to 5%
Forex 2.75% View details Browse credit cards by bank Browse by how you redeem rewards