Most airlines offer some sort of refundable tickets, but in most cases there is some kind of penalty for refunds, even if its small. Likely all major airlines offer fully-refundable tickets, but in most cases they seem not to be available with the online booking system.
For example Lufthansa, Malaysia Airlines, KLM, Singapore Airlines do offer such tickets online.
Which airlines offer tickets (doesn't matter how expensive), where there is zero penalty for refunds (up to a certain point in time before the flight), so you get exactly the same sum refunded to your credit card as you paid AND the these tickets are available to purchase online through the airline's website, without going though a travel agent or call centre?
For example Polish Airlines LOT offers "FULL FLEX" fares, where tickets are refundable without penalty up to 24 hours before the flight. Also norwegian (Flex and PremiumFlex fares) seem to be fully refundable up to 30 minutes before departure time. Any other examples?
Jetstar FlexiBiz tickets are fully refundable without penalty, but only as a voucher usable within 6 months.
Which other airlines offer such tickets online? Mostly interested in non-US airlines. And I am not asking about the US rule that any flight can be refunded 24 hours within purchase.