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 Exclusive

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

    Miles Elite

    ₹4,999
    Annual fee
    ₹4,999
    Joining
    Rewards
    3% to 6%
    Forex
    1.99%
    • Domestic lounge
    • International lounge
    • Insurance
    • Memberships
    View details