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

    Classic

    Free
    Annual fee
    Free
    Joining
    Rewards
    0.5% to 1.5%
    Forex
    0%
    • Railway lounge
    • Dining
    • Movies
    • Shopping
    • +2
    View details
  • IDFCVisa

    Select

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 3%
    Forex
    0%
    • Domestic lounge
    • Railway lounge
    • Concierge
    • Movies
    • +2
    View details
  • IDFCVisa

    Wealth

    Free
    Annual fee
    Free
    Joining
    Rewards
    2% to 5%
    Forex
    0%
    • Domestic lounge
    • Lounge
    • International lounge
    • Lounge
    • +6
    View details
  • IDFCVisa

    Club Vistara

    Free
    Annual fee
    Free
    Joining
    Rewards
    2% to 4%
    Forex
    0%
    • Domestic lounge
    • International lounge
    • Lounge
    • Dining
    • +3
    View details
  • AUVisa

    Ixigo

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 3%
    Forex
    0%
    • Railway lounge
    • International lounge
    • Domestic lounge
    • Lounge
    • +3
    View details
  • IndusIndVisa

    Tiger

    Free
    Annual fee
    Free
    Joining
    Rewards
    3% to 6%
    Forex
    1.5%
    • Domestic lounge
    • International lounge
    • Movies
    • Concierge
    • +2
    View details
  • IDFCVisa

    LIC Classic

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Railway lounge
    • Dining
    • Insurance
    • +3
    View details
  • IDFCVisa

    LIC Select

    Free
    Annual fee
    Free
    Joining
    Rewards
    1% to 2%
    Forex
    0%
    • Domestic lounge
    • Railway lounge
    • Insurance
    • Memberships
    • +2
    View details
  • AUVisa

    CA Metal

    Free
    Annual fee
    Free
    Joining
    Rewards
    NA
    Forex
    1.99%
    • Domestic lounge
    • Dining
    • Memberships
    • Insurance
    View details