Best Credit Card for International Travel

All Benefits

  • Earn 5 reward points for every ₹150 spent on eligible retail spends
  • Earn 3 reward points for every ₹150 spent on Utilities, Supermarkets, Insurance, Property Management, Schools & Government payments
  • 5% cashback on duty-free transactions with maximum cashback of ₹1,000 per statement cycle
  • Reduced forex markup fee of 2% on all overseas / non-INR transactions

Fees

Joining Fee Pay ₹5,000 + GST and get 6,000 reward points (worth ~₹6,000) effectively neutralising the joining fee value
₹5,900
₹5,000 + GST
Annual Fee Not Applicable
₹5,900
₹5,000 + 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 (45.00% per annum) is charged on unpaid dues and cash advances until repaid.
3.75%
ATM Withdrawal 3% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹300, if applicable).
3%
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 A fee of ₹100 is charged for payments made through cheque
₹100
Cash Payment A cash payment fee of ₹299 per transaction is applicable when credit card dues are paid in cash at AU Bank branches.
₹ 299

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹700
Above ₹10,000₹1,200

Late payment fee of ₹100–₹1,200 applies if the Minimum Amount Due is not paid by the due date (plus GST).

No Rewards On

Fuel SpendsCash AdvancesFinancial Charges

Excluded Spends

EMI Spends

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