Best Credit Card for International Travel

All Benefits

  • Earn 4 Reward Points per ₹200 on retail spends
  • 5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
  • Reward Points capped at 50,000 per statement cycle
  • Reward Points redemption value: Flights/Hotels ₹0.5 per RP, Catalogue ₹0.65 per RP, Cashback ₹0.20 per RP
  • Quarterly milestone: ₹1,500 voucher on spends of ₹1.5 lakh per quarter

Fees

Joining Fee The ₹2,500 + applicable taxes joining fee is effectively offset through a ₹2,500 welcome voucher, redeemable across select partner brands. Additionally, the card may be offered as First Year Free (FYF) during select bank promotions, in which case the joining fee is fully waived at issuance.
₹2,950
₹2,500 + GST
Annual Fee The annual fee is waived if you spend ₹4 lakh or more in a year on your card, as per bank policy.
₹2,950
₹2,500 + GST

Eligibility

Age
21-60 years
Salary
₹1.5L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR) Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% of the transaction amount + GST will be charged on railway ticket purchase
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
Not Applicable
Cash Payment ₹100 cash payment fee per deposit.
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1000₹500
₹1001 - ₹5000₹600
₹5001 - ₹10,000₹750
₹10,001 - ₹25,000₹900
₹25,001 - ₹50,000₹1100
₹50,000 and above₹1300

Reward Exclusions

Fuel TransactionsRent PaymentsWallet LoadsCash WithdrawalsEMI TransactionsGovernment and Statutory PaymentsEducation PaymentsInsurance Premium PaymentsUtility Bill PaymentsRailway Ticket BookingsGift Card or Voucher PurchasesGambling or Lottery TransactionsCryptocurrency or Digital Asset Transactions

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

Full charges and terms: Bank MITC / Terms