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?

  • IndusIndMastercard

    Pioneer Legacy

    Free
    Annual fee
    ₹50,000
    Joining
    Rewards
    2% to 4%
    Forex
    1.8%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +3
    View details
  • HSBCMastercard

    Privé

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

    First Exclusive

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

    Private

    ₹10,000
    Annual fee
    ₹50,000
    Joining
    Rewards
    3% to 6%
    Forex
    0.5%
    • Domestic lounge
    • International lounge
    • Guest lounge
    • Movies
    • +3
    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
  • IndusIndMastercard

    Pioneer Heritage

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