Best Credit Cards for International Travel

Joining Fee FREE

Annual Fee FREE

Kotak Solitaire Credit Card

KotakVisa

DiningTravel

• Earn Air Miles on every spend (10 Air Miles/₹100 on flights & hotels via Kotak Unbox3 Air Miles/₹100 elsewhere)
• Unlimited domestic & international airport lounge access
• Zero forex mark-up

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Joining Fee ₹14,750

Annual Fee ₹14,750

IDFC FIRST GAJ Credit Card

IDFCVisa

DiningTravel

• 5 RP per ₹150 on domestic spends; 3 RP per ₹150 on international spends; 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends
• Bonus rewards on hotels/flights via IDFC FIRST Bank Mobile App (50 RP/₹150 on hotels, 25 RP/₹150 on flights)
• Complimentary domestic & international airport lounge access, railway lounge access

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Joining Fee ₹14,160

Annual Fee ₹23,600

HSBC Premier Credit Card

HSBC BankMastercard

ShoppingDiningTravelUtility Bills

• Earn 3 reward points per ₹100 spent on all purchases
• Accelerated rewards up to 12X on travel spends; capped at 18,000 points per month on flights/hotels
• Utility spends capped at 3,000 reward points per month; other spends unlimited

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Joining Fee ₹14,750

Annual Fee ₹14,750

HDFC Infinia Credit Card

HDFCVisa

Airport LoungeDiningTravel

• Earn 5 reward points per ₹150 retail spend
• Up to 10X reward points on SmartBuy travel and shopping
• Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy

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Joining Fee ₹7,079

Annual Fee ₹7,079

IDFC FIRST Mayura Credit Card

IDFCMastercard

ShoppingTravel

• 0% forex markup on all international transactions
• Up to 4 Indian airport lounge visits, 4 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
• Earn 10 Reward Points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle, and 5 Reward Points per ₹150 up to ₹20,000

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Joining Fee ₹59,000

Annual Fee ₹59,000

Axis Reserve Credit Card

AxisVisa

Online Food OrderingDiningTravel

• 15 EDGE points per ₹200 (2X on international)
• Unlimited Priority Pass + unlimited domestic lounge
• Complimentary airport concierge

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Joining Fee ₹23,600

Annual Fee ₹23,600

Times Black ICICI Bank Credit Card

ICICI BankVisa

ShoppingDiningTravel

• Unlimited domestic and international airport lounge access via Priority Pass for primary and add-on cardholders
• Earn 2% reward points on domestic spends and 2.5% on international spends
• 1.49% forex markup on international transactions with zero cash advance charges

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Joining Fee ₹59,000

Annual Fee ₹59,000

IDFC FIRST Private Credit Card

IDFCMastercard, Visa

ShoppingDiningTravel

• Earn 10X reward points per ₹150 on eligible spends
• Earn 3X points on rent & education and 1X on insurance spends
• Reward redemption value: ₹1 per point on travel bookings and ₹0.25 elsewhere

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Joining Fee ₹14,750

Annual Fee ₹14,750

Axis Magnus Credit Card

AxisVisa

ShoppingAirport LoungeTravel

• Welcome Voucher worth ₹12,500 — choose from Luxe Gift Card, Postcard Hotels, or Yatra Gift Voucher upon first transaction within 30 days
• Unlimited International Lounge Access via Priority Pass with 4 guest visits per year
• Earn up to 35 EDGE Reward Points per ₹200 on monthly spends above ₹1.5 lakh

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Joining Fee ₹11,800

Annual Fee ₹11,800

HDFC Diners Club Black Metal Credit Card

HDFCDiners Club

DiningTravel

• Get 10,000 reward points on spending ₹4L or more in a calendar quarter
• Up to 50 days of interest-free credit from date of purchase
• Contactless payments enabled for ease and security

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Joining Fee ₹5,900

Annual Fee ₹5,900

BOB Etihad Guest Premium Credit Card

Bank of BarodaMastercard

Travel

• Earn 6 Miles per ₹100 on Etihad Airways spends
• Earn 2 Miles per ₹100 on other domestic and cross-border spends
• Monthly bonus: 500 Miles on 4 transactions totaling ₹5000 (once per month)

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Joining Fee ₹3,540

Annual Fee ₹3,540

RBL World Safari Credit Card

RBL BankMastercard, Visa

ShoppingTravel

• Earn accelerated reward points on travel spends and standard rewards on domestic purchases
• Enjoy zero forex markup on international transactions
• Get complimentary domestic and international airport lounge access

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Joining Fee FREE

Annual Fee FREE

Scapia Credit Card

Federal BankVisa

ShoppingTravel

• Earn 20% Scapia Coins on travel bookings via the Scapia app
• Earn 10% Scapia Coins on all eligible online and offline spends
• Earn 5% Scapia Coins on UPI and RuPay spends of ₹500 or more

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Joining Fee ₹5,899

Annual Fee ₹5,899

AU Zenith Plus Credit Card

AU Small Finance BankVisa

ShoppingDiningTravel

• Earn 2% back on travel, dining & international spends with 1 reward point = ₹1 - among the best point values in the market with no conversion hassle
• Get 16 domestic and 16 international complimentary airport lounge visits per year plus 4 VIP Meet & Assist services annually
• Enjoy up to 16 buy-1-get-1 movie tickets on BookMyShow per year (capped at ₹500/ticket) plus 8 complimentary golf sessions

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Joining Fee ₹11,799

Annual Fee ₹5,899

YES BANK MARQUÉE Credit Card

Yes BankMastercard

ShoppingTravelUtility Bills

• Unlimited International airport lounge access
• 1% forex markup
• Buy 1 Get 1 on BookMyShow movie tickets

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Joining Fee ₹14,749

Annual Fee ₹14,749

ICICI Emeralde Private Metal Credit Card

ICICI BankMastercard

ShoppingDiningTravel

• Earn 6 reward points per ₹200 on retail spends
• Complimentary Taj Epicure Plus Membership
• Complimentary EazyDiner Prime Membership

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Joining Fee ₹3,539

Annual Fee ₹3,539

IDFC FIRST Ashva Credit Card

IDFCVisa

ShoppingTravel

• Enjoy a low forex markup of just 1% on International transactions also applicable to international transactions charged in Indian currency
• Up to 4 Indian airport lounge visits, 2 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
• Flat ₹5,000 discount on bookings of ₹25,000 or more at The Postcard Hotels & Resorts, once every calendar quarter using promo code IDFCVIP

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Joining Fee ₹11,799

Annual Fee ₹11,799

SBI AURUM Credit Card

SBIVisa, Mastercard

ShoppingDiningTravel

• Unlimited international lounge access + guest visit (quarterly cap)
• 4 domestic lounge visits per quarter (capped)
• 4 movie tickets worth ₹1,000 monthly (₹500 per booking cap)

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Joining Fee ₹5,900

Annual Fee ₹5,900

Standard Chartered Ultimate Credit Card

Standard Chartered BankMastercard, Visa

ShoppingGrocery ShoppingTravelUtility Bills

• Earn 5 reward points for every ₹150 spent on eligible retail spends
• Earn 3 reward points for every ₹150 spent on Utilities, Supermarkets, Insurance, Property Management, Schools & Government payments
• 5% cashback on duty-free transactions with maximum cashback of ₹1,000 per statement cycle

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Joining Fee ₹77,880

Annual Fee ₹77,880

American Express Platinum Card

American Express

ShoppingOnline Food OrderingDiningTravel

• Earn 5 Membership Rewards points per ₹100 on fuel (capped at 5000 points/month)
• 3X Membership Rewards points on overseas spends
• Points redeemable for travel, hotel loyalty programs, and vouchers

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Joining Fee ₹5,900

Annual Fee ₹5,900

Equitas PowerMiles Credit Card

Equitas Small Finance BankVisa

ShoppingDiningTravel

• 3 reward points on every ₹100 spent (3X on international POS & online)
• Complimentary Club Marriott & EazyDiner Premium memberships
• Low 2% forex markup. 2 domestic + 1 international airport lounge visits per quarter

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Joining Fee FREE

Annual Fee ₹8,260

RBL Insignia Preferred Credit Card

RBL BankVisa, Mastercard, RuPay

ShoppingDiningTravel

• Earn 5 reward points per ₹100 on domestic spends
• Earn 10 reward points per ₹100 on international spends
• 2 domestic lounge visits per quarter + 6 international visits per year (with spend-based extra visit

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Joining Fee ₹885

Annual Fee ₹885

IDFC FIRST WOW! Black Credit Card

IDFCMastercard

DiningTravelUPI

• Up to 4 Reward Points per ₹150 on retail spends; up to 3 Reward Points per ₹150 on UPI spends
• 16.7% bonus RPs on hotels and 10% bonus RPs on flights via 'FIRST Rewards Gallery' on the IDFC FIRST Bank Mobile App
• 0% Zero Forex Markup on all international transactions

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Joining Fee FREE

Annual Fee FREE

ixigo AU Credit Card

AU Small Finance BankVisa, RuPay

TravelUPI

• Lifetime-free co-branded travel credit card
• Up to 10% off up to ₹3,000 on flights & hotels and 10% off up to ₹300 on bus bookings via ixigo, plus zero payment-gateway charges on train bookings
• 2.5% Reward Points on every ₹200 spent (online, offline & UPI cap 10,000 RP cycle

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