Best Credit Card for International Travel

All Benefits

  • Earn 6 reward points per ₹200 on retail spends
  • Complimentary Taj Epicure Plus Membership
  • Complimentary EazyDiner Prime Membership
  • Buy 1 Get 1 free on BookMyShow up to ₹750 off per ticket valid twice a month
  • Redeem points across travel, shopping vouchers, electronics, fashion, home appliances, health & beauty
  • 12,500 reward points as welcome benefit
  • Unlimited international & Domestic airport lounge access for primary and add-on cardholders
  • Air accident insurance cover up to ₹3 crore

Fees

Joining Fee Complimentary Taj Epicure Plus Membership, Complimentary EazyDiner Prime Membership, 12,500 reward points as welcome benefit
₹14,749
₹12,499 + GST
Annual Fee The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹14,749
₹12,499 + GST

Eligibility

Age
21-65 years
Salary
₹2L / 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
NIL
Reward Redemption
0
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets
1.80%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment ₹150 cash payment fee per deposit
₹150

Late Payment Charges

Amount dueFee
₹0–₹100₹0
₹100–₹500₹100
₹501–₹1,000₹500
₹1,001–₹5,000₹600
₹5,001–₹10,000₹750
₹10,001–₹25,000₹900
₹25,001–₹50,000₹1,100
Above ₹50,000₹1,300

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

No Rewards On

fuel transactionsrent paymentstax paymentsand e-wallet transactions

Excluded Spends

fuel transactionsrent paymentstax paymentsand e-wallet loading 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