Best Credit Card for International Travel

All Benefits

  • Reward earnings up to ₹8,000 annually on spends of ₹6,00,000 based on slab system
  • 4 complimentary golf games or lessons per year worth ₹4,000 each
  • 2 complimentary movie tickets worth ₹500 each annually
  • Up to 10 airport lounge visits annually (8 domestic + 2 international)

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹41.7K / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 1.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends Rs 100 - Rs 1.5 Rs 1000 - Rs 15 Rs 10,000 - Rs 150 Rs 1,00,000 - Rs 1500
1.50%
Finance Charges (APR) 3.5% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 42% on revolving credit
3.50%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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%
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 Cheque Pickup Fee : ₹100 per instance. Cheque Return Fee : 2% of the cheque amount, subject to a minimum of ₹450.
₹250
Cash Payment
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹1000₹350
₹1001 - ₹10000₹550
₹10001 - ₹25000₹800
₹25001 - ₹50000₹1100
₹50001 - and above₹1300

Reward Exclusions

Rent PaymentFuel SpendsInsurance PaymentsEMI SpendsATM Cash WithdrawalsJewellery PurchasesEducation SpendsGovernment-related TransactionsWallet LoadsBank Charges & FeesAll ReversalsGambling TransactionsToll PaymentsSecurity Broker ServicesCharityRailwaysUtility Bill PaymentsBalance TransferFinancial Charges (Late Feedishonored cheque chargestransaction charges & etc)Payments made using standard instructions

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