Accelerated rewards on e-commerce spends. We track 40 of them from 15 banks, 12 of which are lifetime free, and 28 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • HSBCVisa

    Platinum

    Free
    Annual fee
    Free
    Joining
    Rewards
    0.5% to 1%
    Forex
    3.5%
    • Movies
    • Shopping
    • Dining
    • Travel
    • +1
    View details
  • IDFCVisa

    Classic

    Free
    Annual fee
    Free
    Joining
    Rewards
    0.5% to 1.5%
    Forex
    3.5%
    • Railway lounge
    • Dining
    • Movies
    • Shopping
    • +2
    View details
  • HSBCMastercard

    Privé

    Free
    Annual fee
    Free
    Joining
    Rewards
    5% to 60%
    Forex
    0%
    • Domestic lounge
    • International lounge
    • Dining
    • Movies
    • +1
    View details
  • AxisVisa

    Neo

    ₹250
    Annual fee
    ₹250
    Joining
    Rewards
    0.05% to 0.1%
    Forex
    3.75%
    • Shopping
    • Movies
    • Dining
    View details
  • Union BankRuPay

    Divaa

    ₹499
    Annual fee
    Free
    Joining
    Rewards
    NA
    Forex
    3%
    • Domestic lounge
    • International lounge
    • Shopping
    • Movies
    • +2
    View details
  • AxisVisa

    My Zone

    ₹500
    Annual fee
    ₹500
    Joining
    Rewards
    1% to 5%
    Forex
    3.5%
    • Domestic lounge
    • Shopping
    • Movies
    • Dining
    • +1
    View details
  • PNBRuPay

    Bliss

    ₹510
    Annual fee
    Free
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +4
    View details
  • HSBCVisa

    Live+

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    1% to 2%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Shopping
    • +3
    View details
  • AxisVisa

    Select

    ₹3,000
    Annual fee
    ₹3,000
    Joining
    Rewards
    1% to 3%
    Forex
    3.5%
    • International lounge
    • Domestic lounge
    • Shopping
    • Concierge
    • +5
    View details
  • AUVisa

    Zenith⁺

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    3% to 6%
    Forex
    0.99%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +4
    View details
  • HSBCMastercard

    TravelOne

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    3% to 5%
    Forex
    3.5%
    • International lounge
    • Domestic lounge
    • Shopping
    • Travel
    • +3
    View details
  • ICICIMastercard

    Emeralde

    ₹12,000
    Annual fee
    ₹12,000
    Joining
    Rewards
    0.25% to 1%
    Forex
    2%
    • International lounge
    • Domestic lounge
    • Lounge
    • Movies
    • +5
    View details
  • HSBCMastercard

    Premier Metal

    ₹20,000
    Annual fee
    ₹12,000
    Joining
    Rewards
    2% to 5%
    Forex
    0.99%
    • Domestic lounge
    • Guest lounge
    • International lounge
    • Concierge
    • +5
    View details