Redeem reward points against flights and hotel bookings. We track 175 of them from 14 banks, 21 of which are lifetime free, and 109 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • IDFCVisa

    Select

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 3%
    Forex
    0%
    • Domestic lounge
    • Railway lounge
    • Concierge
    • Movies
    • +2
    View details
  • IDFCVisa

    Wealth

    Free
    Annual fee
    Free
    Joining
    Rewards
    2% to 5%
    Forex
    0%
    • Domestic lounge
    • Lounge
    • International lounge
    • Lounge
    • +6
    View details
  • IDFCVisa

    Power Plus

    ₹499
    Annual fee
    ₹499
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Insurance
    • Movies
    • Travel
    View details
  • Yes BankVisa

    Elite+

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    3% to 5%
    Forex
    2.75%
    • Domestic lounge
    • International lounge
    • Movies
    • Golf
    View details
  • Yes BankVisa

    Premia

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    1% to 3%
    Forex
    2.75%
    • International lounge
    • Domestic lounge
    • Movies
    • Golf
    • +1
    View details
  • RBLVisa

    Binge

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • Movies
    View details
  • AUVisa

    Laksya

    ₹1,000
    Annual fee
    ₹1,000
    Joining
    Rewards
    NA
    Forex
    3.49%
    • Domestic lounge
    • Dining
    • Movies
    View details
  • AUVisa

    Ananta

    ₹2,000
    Annual fee
    ₹2,000
    Joining
    Rewards
    NA
    Forex
    3.49%
    • Domestic lounge
    • Dining
    • Movies
    View details
  • Yes BankVisa

    Reserv

    ₹2,499
    Annual fee
    ₹2,499
    Joining
    Rewards
    3% to 6%
    Forex
    1.75%
    • Domestic lounge
    • Movies
    • Insurance
    View details
  • IDFCVisa

    Ashva

    ₹2,999
    Annual fee
    ₹2,999
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Lounge
    • International lounge
    • Railway lounge
    • +4
    View details
  • RBLVisa

    World Max

    ₹2,999
    Annual fee
    ₹2,999
    Joining
    Rewards
    NA
    Forex
    3.5%
    • Domestic lounge
    • Movies
    • Concierge
    View details
  • KotakVisa

    Air+

    ₹3,000
    Annual fee
    ₹3,000
    Joining
    Rewards
    1% to 10%
    Forex
    2%
    • Domestic lounge
    • International lounge
    • Movies
    View details
  • AUVisa

    Zenith⁺

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    3% to 6%
    Forex
    0.99%
    • Domestic lounge
    • International lounge
    • Shopping
    • Dining
    • +4
    View details
  • IDFCVisa

    Mayura

    ₹5,999
    Annual fee
    ₹5,999
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Guest lounge
    • International lounge
    • Railway lounge
    • +6
    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