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?

  • HSBCVisa

    Live+

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