Cards with no joining fee and no annual fee, ever. We track 164 of them from 33 banks, and 63 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.
What matters most to you? 6 of 164 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 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 0.5% to 1.5%
Forex 0% Movies Dining Insurance Travel View details
Free Annual fee
Free Joining
Rewards 1% to 3%
Forex 1.8% Travel Movies Concierge Insurance +1 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 5% to 60%
Forex 0% Domestic lounge International lounge Lounge Lounge +3 View details Browse credit cards by bank Browse by how you redeem rewards 
