Under 2% on international spends — for travel and overseas shopping. We track 96 of them from 19 banks, 26 of which are lifetime free, and 75 come with airport lounge access. Compare the joining fee, annual fee, reward rate and forex markup for each below.

What matters most to you?

  • Yes BankMastercard

    First Preferred

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    2% to 4%
    Forex
    1.75%
    • International lounge
    • Domestic lounge
    • Movies
    • Insurance
    • +1
    View details
  • Yes BankVisa

    First Business

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    1.5% to 3%
    Forex
    1.75%
    • International lounge
    • Domestic lounge
    • Golf
    • Insurance
    View details
  • Yes BankMastercard

    First Exclusive

    ₹1,999
    Annual fee
    ₹1,999
    Joining
    Rewards
    2% to 4%
    Forex
    1.75%
    • Domestic lounge
    • International lounge
    • Movies
    • Insurance
    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
  • Yes BankVisa

    Marquee

    ₹4,999
    Annual fee
    ₹9,999
    Joining
    Rewards
    2% to 5%
    Forex
    1%
    • Domestic lounge
    • International lounge
    • Lounge
    • Lounge
    • +2
    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