Under 2% on international spends — for travel and overseas shopping. We track 111 of them from 19 banks, 33 of which are lifetime free, and 82 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

    Swyp

    ₹499
    Annual fee
    ₹499
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Railway lounge
    • Movies
    • Memberships
    • Travel
    View details
  • IDFCVisa

    Power Plus

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

    Live+

    ₹999
    Annual fee
    ₹999
    Joining
    Rewards
    1% to 2%
    Forex
    1.99%
    • Domestic lounge
    • Lounge
    • International lounge
    • Movies
    • +4
    View details