Bundled subscriptions and club memberships. We track 121 of them from 19 banks, 16 of which are lifetime free, and 99 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • RBLVisa

    World Plus

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • Movies
    • Concierge
    • Memberships
    View details
  • SBIVisa

    CBI Elite

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +1
    View details
  • SBIVisa

    KVB Elite

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +1
    View details
  • SBIVisa

    KVB Signature

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +1
    View details
  • SBIVisa

    UCO Elite

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +1
    View details
  • SBIRuPay

    Elite (Rupay)

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +1
    View details
  • IndusIndAmerican Express

    Celesta

    ₹5,000
    Annual fee
    ₹25,000
    Joining
    Rewards
    2% to 4%
    Forex
    3.5%
    • Domestic lounge
    • International lounge
    • Movies
    • Dining
    • +3
    View details
  • Standard CharteredVisa

    Ultimate

    ₹5,000
    Annual fee
    ₹5,000
    Joining
    Rewards
    3% to 5%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +3
    View details
  • EquitasVisa

    PowerMiles

    ₹5,000
    Annual fee
    ₹5,000
    Joining
    Rewards
    1% to 3%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Memberships
    • Concierge
    View details
  • Bank Of IndiaVisa

    Celestia

    ₹5,000
    Annual fee
    ₹5,000
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • International lounge
    • Dining
    • Movies
    • +4
    View details
  • PNBRuPay

    Luxura

    ₹7,500
    Annual fee
    ₹9,000
    Joining
    Rewards
    NA
    Forex
    2.5%
    • Domestic lounge
    • International lounge
    • Concierge
    • Golf
    • +4
    View details
  • AUVisa

    Zenith

    ₹7,999
    Annual fee
    ₹7,999
    Joining
    Rewards
    3% to 5%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Railway lounge
    • Concierge
    • +3
    View details
  • SBIVisa

    Aurum

    ₹9,999
    Annual fee
    ₹9,999
    Joining
    Rewards
    3% to 10%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Lounge
    • Memberships
    • +4
    View details
  • SBIVisa

    Krisflyer Apex

    ₹9,999
    Annual fee
    ₹9,999
    Joining
    Rewards
    3% to 5%
    Forex
    3.5%
    • Domestic lounge
    • International lounge
    • Insurance
    • Memberships
    View details