Best Credit Card for International Travel

All Benefits

  • 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
  • Flat ₹500 off on movie tickets twice per month via BookMyShow
  • 25%–50% dining discount with 1+1 buffet offers via EazyDiner Prime

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.
₹8,260
₹7,000 + GST

Eligibility

Age
21-60 years
Salary
₹25K / Month
Credit Score
720+

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) Finance charges of 3.40% per month apply on unpaid outstanding balances until the amount is fully repaid.
3.40%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).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 A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
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 ₹100 cash payment fee per deposit
₹100

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹700
₹10,001 - ₹25,000₹950
₹25,001 - ₹50,000₹1,100
₹50,000 and above₹1,250

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

Reward Exclusions

N/A

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