Above ₹5,000 a year, for people who use the benefits. We track 50 of them from 17 banks, and 50 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • IndusIndMastercard

    Crest

    ₹10,000
    Annual fee
    ₹75,000
    Joining
    Rewards
    3% to 5%
    Forex
    3.5%
    • International lounge
    • Domestic lounge
    • Lounge
    • Movies
    • +4
    View details
  • Yes BankMastercard

    Private

    ₹10,000
    Annual fee
    ₹50,000
    Joining
    Rewards
    3% to 6%
    Forex
    0.5%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +5
    View details
  • Yes BankVisa

    Private Prime

    ₹10,000
    Annual fee
    ₹20,000
    Joining
    Rewards
    2% to 5%
    Forex
    0.5%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +5
    View details
  • ICICIVisa

    Emeralde Private

    ₹12,499
    Annual fee
    ₹12,499
    Joining
    Rewards
    0.25% to 1%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +6
    View details
  • ICICIVisa

    Times Black

    ₹20,000
    Annual fee
    ₹20,000
    Joining
    Rewards
    2% to 2.5%
    Forex
    1.49%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +4
    View details
  • IndusIndMastercard

    Pioneer Heritage

    ₹25,000
    Annual fee
    ₹1,00,000
    Joining
    Rewards
    2% to 5%
    Forex
    0%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +4
    View details