Best Credit Card for International Travel

All Benefits

  • 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
  • Bonus reward points: 50 points on hotels & 20 points on flights per ₹150 via bank app
  • Monthly bonus reward points capped at 600 (hotels) and 300 (flights)

Fees

Joining Fee The joining fee is not offset by any bonus or credit.
₹59,000
₹50,000 + GST
Annual Fee The annual fee is not waived under any spending conditions.
₹59,000
₹50,000 + GST

Eligibility

Age
21-60 years
Salary
N/A LPA
Credit Score
750+

Bank Fee Structure

Forex Markup 0% forex markup — no extra fee on foreign currency spends, online or abroad.
0%
Finance Charges (APR) Interest rates are dynamic and range from 0.75% to 3.99% per month (9%–47.88% p.a.)
3.99
ATM Withdrawal A ₹199 fee is charged per domestic cash withdrawal.
₹199
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.
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
N/A
Cash Payment N/A
N/A

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹500₹100
₹5000₹750
₹8000₹1200
₹10,000₹1300
₹10,000 & above₹1300

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

No Rewards On

Fuel SpendsEMI SpendsATM Cash WithdrawalsWallet TransactionsLoad MoneyBank Charges & FeesReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysBalance TransferFinancial Charges

Excluded Spends

Fuel SpendsEMI SpendsATM Cash WithdrawalsWallet TransactionsLoad MoneyBank Charges & FeesAll ReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges

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