11 Best Travel Credit Cards in India For International Travel 2020

Updated: Jan 23, 2020

You can save money by selecting a right credit card for your upcoming international trip. I have made a checklist that you can keep in mind while deciding best credit card for you.

Look at the points below before finalizing a credit card for international travel.

  • Airmiles or reward points that can be redeemed or converted into Cash/Airmiles.
  • Check Airport lounges both – Domestic and International.
  • Foreign currency markup charges.
  • Rewards/Cashback on national and international spends
  • Foreign hospitalization cover
  • Baggage delay compensation
  • Air accident compensation

Without wasting time lets go through the best credit cards for travel (international).

Jump to Section

#1. YES FIRST Exclusive Credit Card

YesBank First exclusive is a premium credit card for regular international travelers who fall under Rs. 50 lakh annual income category.

best credit cards for foreign international travel

Fee Charges
First Year – Rs. 10,000
Renewal Fee – Rs. 10,000
Foreign Currency Markup – 2%

Welcome Gift

  • Get 50,000 reward points on your first transaction within 90 days of card issuance.
  • Enjoy 40,000 reward points on every renewal. Amazing.

Bonus offer

  • Get 25,000 reward points on achieving annual spend of INR 20 lakhs or more.

Reward Points & Discount

  • 12 reward points for every INR 100 retail purchase (except fuel).
  • 6 Reward Points on INR 100 spent on all other categories
  • 2% Foreign Currency Markup charges.
  • Enjoy a 25% discount on movie tickets booked on BookMyShow. Maximum discount capped at INR 250 per calendar month. That’s amazing.

Redemption of Reward Points
1 reward point is equal to INR 0.25. Redeem for Hotel, flights and movie booking on dedicated websites. You can redeem the reward points for InterMiles.

4 reward points = 1 InterMile.

Other Benefits of Yes Bank First Exclusive Credit Card

  • Complimentary TAJ InnerCircle Epicure Membership
  • 3 crore air accident insurance in case of death in-flight accident.
  • INR 50 lakhs on medical emergencies while traveling overseas.
  • Enjoy complimentary Golf lessons at selected golf courses.
  • 1% fuel surcharge waiver.

Complimentary Lounge access With Yesbank First Exclusive card

You will get unlimited international lounges to access outside India. Not only International lounges, but you can also get unlimited access to domestic lounges across India.

Check Your Eligibility

  • The Applicant should be of age between 21 years to 60 years.
  • Both salaried and self-employed can apply.
  • The applicant should have a personal income of INR 18 lakh or more ( for both salaried and self-employed).
  • YesBank Preferred Credit Card is also available against fixed deposit in selected cities only.

Who should go for Yesbank First Prefered?

Applying for this credit card, the applicant should have a minimum annual income of Rs 18 lakh, which makes this card for the very limited section of users. If you belong to the same section, this is a must-have card for you.

#2. Amex Platinum Travel Credit Card Review

Amex Platinum Travel credit card is one of the best travel cards available in India. Just check the bonus offers only and you will come to know why I am saying this.

Bonus Offers

  • Enjoy the welcome gift of 5000 bonus milestones redeemable for a travel voucher worth Rs 4000.
  • Spend 1.90 lakh in a year and get travel vouchers worth Rs 6000 (valid for 6 months) with regular reward points redeemable to travel vouchers worth Rs. 1,700. Total benefit – Rs. 7,700.
  • Spend 4 lakh in a year and get additional 10,000 milestones redeemable for travel vouchers worth Rs 10,000 (valid for 6 months) with regular rewards points redeemable for travel vouchers worth Rs. 1,800. Total benefit – Rs. 11,800.
  • On spending 4 lakh also get a gift voucher from Taj group worth Rs 10,000 ( valid for 6 months)

Fee & Charges

  • First Year Annual Fee – Rs 3500
  • Renewal fee – Rs 5000

Other Benefits of Amex Platinum Travel Credit Card

  • Earn 1 membership reward point for every Rs 50 spends except fuel, insurance, utility bill payment, and cash transaction
  • Enjoy 4 complimentary visits to per year to 29 airport lounges in 12 cities across India
  • Enjoy up to 20% off every time you dine at select restaurant partners.
  • The redemption value of 1 reward point is = INR 0.40.

Should You Apply For Amex Platinum Travel Card?

Amex platinum travel credit card comes with an annual fee of Rs 5000. For first year, you will get gift voucher of Rs 4000 but from second year you will get nothing on renewal.

So, from the second year, let’s calculate the spend based benefit

You can see clearly, if you spend less than INR 1.90lakh in a year, this card will hurt you with its annual fee. If you spend 1.9 lakh, your savings will be around 1.5% which is decent.

This card performs best at an annual spend of 4 lakh. If you are a regular traveler and your annual expenses are Rs. 4 lakh or more through a card, then the Amex platinum travel credit card is the best card for you.

#3. YES FIRST Preferred Credit Card

YesBank Preferred credit card impressed me in a lot of things. I found the Preferred credit card comes with 1.75% foreign currency markup which is lowest in India.

best credit cards for foreign international travelFee Charges
First Year – INR 2500
Renewal Fee – INR 2500
Interest Rate – 14.40% for bank customers & 23.88 for non-bank
Foreign Currency Markup – 1.75% (lowest in India)

Welcome Gift

  • Get 15,000 reward points on your first transaction within 90 days of card issuance.
  • Enjoy 10,000 reward points on every renewal.

Bonus offer

  • Get 20,000 reward points on achieving annual spend of INR 7.5 lakh.

Reward Points & Discount

  • 8 reward points for every INR 100 retail purchase (except fuel).
  • 4 Reward Points on INR 100 spent on all other categories
  • 1.75% Foreign Currency Markup charges.
  • Enjoy a 25% discount on movie tickets booked on BookMyShow. Maximum discount capped at INR 250 per calendar month. That’s amazing.

Redemption of Reward Points
1 reward point is equal to INR 0.25. Redeem for Hotel, flights and movie booking on dedicated websites. You can redeem the reward points for InterMiles.

4 reward points = 1 InterMile.

Other Benefits of Yes Bank Preferred Credit Card

  • 1 crore air accident insurance in case of death in-flight accident.
  • INR 25 lakhs on medical emergencies while traveling overseas.
  • INR 5 lakh credit accident shield cover for the primary cardholder.
  • Priority Pass Membership for the Primary Cardmember.
  • 4 complimentary access to International lounges and 12 domestic lounges access in a calendar year.
  • Enjoy complimentary Golf lessons at selected golf courses.
  • 1% fuel surcharge waiver.

Check Your Eligibility

  • The Applicant should be of age between 21 years to 60 years.
  • Both salaried and self-employed can apply.
  • The applicant should have a personal income of INR 18 lakh or more ( for both salaried and self-employed).
  • YesBank Preferred Credit Card is also available against fixed deposit in selected cities only.

Who should go for Yesbank First Prefered?

Applying for this credit card, the applicant should have a minimum annual income of Rs 18 lakh, which makes this card for the very limited section of users. If you belong to the same section, this is a must-have card for you.

#4. Axis Bank Privilege credit card

Axis Bank launched the Privilege credit card for frequent travelers. Privilege card is one of the best travel credit cards among the other Axis bank credit cards.

Welcome Gift Axis Bank Privilege Credit Card

Get a travel Yatra travel voucher worth Rs 5000 on swiping your card thrice in 60 days. The welcome gift is more than thrice times the annual fee. That’s amazing.

You can use the voucher for domestic flights, international flights, hotels, and holiday bookings. The Voucher has a validity of 4 months.

No welcome gift on the renewal and no annual fee waiver.

Bonus Benefit with

Get another Yatra gift voucher worth INR 5000 on the minimum annual spend of INR 2.5 lakh. You can redeem this voucher on www.edgerewards.axisbank.com

Fee & Charges

First Year – INR 1500

Renewal Fee – INR 1500

Interest Rate – 2.95% per month

Cash Advance Fee – 2.5%, min of INR 250

Reward Points & Other offers

  • 10 points on every Rs. 200 spent on the credit card domestically/internationally (except fuel).
  • Enjoy a minimum 15% discount at over 4,000 partner restaurants with Axis Bank Dining Delights.
  • 8 complimentary access to domestic lounges within India.
  • Complimentary Insurance Cover Upto Rs. 2.5 crores

Fuel Benefit

Get a 1% fuel surcharge waiver at all the fuel stations across India on the transaction between INR 400 and INR 4000.

Redemption of Reward Points

Redeem your reward points on www.edgerewards.axisbank.com. The redemption value of one reward point is INR 0.40.

Should You Apply For Axis Bank Privilege Credit Card?

If your annual spending is less than Rs 2,50,000, then you wouldn’t be a frequent traveler because 3-4 travel bookings in a year easily bring annual spending at this limit. In this case, you should go for a general-purpose credit card.

On the contrary, if you travel more and want to use airport lounges outside India then go for a better credit card that you can find from the list.

#5. HDFC Regalia Credit Card Review

HDFC Regalia credit card was a premium card but HDFC has reduced its benefits.  Still, it’s a valuable card with many benefits.

 

best credit cards for foreign international travel

Fee & Charges

  • First Year – INR 2500
  • Renewal Fee – INR 2500
  • Foreign Currency Markup – 2%

Annual Fee waiver

  • Spend INR 40,000 in the first 90 days of the card set up and get your first-year annual fee waiver.
  • Spend a total of 3 lakhs in a year and get next year’s annual fee waiver.

Reward Points & Other Offer

You can earn 4 reward points on every spent of Rs 150.

  • Earn 8 points per Rs 150 spent on www.hdfcregalia.com.
  • Get 15% or more discount on dining at the premium restaurant across India.
  • Zomato Gold Membership for one year on spending Rs. 75,000 in the first 3 months.
  • 1 crore air accident insurance in case of death due to flight accident.
  • INR 15 lakhs on medical emergencies while traveling overseas.
  • 1% fuel surcharge waiver.

Complimentary Lounge access With Your HDFC Regalia Credit Card

You will get 6 complimentary lounge access outside India within one year.  Add on cardholders can also enjoy the complimentary lounge access. The Primary Cardholder and the add-on can jointly have 6 free access to the Priority Pass lounges every year.

Redeem HDFC Regalia Reward Points

You first need to convert them into Regalia vouchers and then redeem them on Regalia’s website.

Should You Go For HDFC Regalia Credit Card?

If your total annual spending above 3 lakh and do multiple international travels in a year then this card is suitable for you.

#6. HDFC Diners Club Black

HDFC Diners Club Black is a super premium credit card that offers numerous benefits to the international traveler. The major benefits of Diners club black are low foreign currency fees and unlimited international lounges access.

Fee & Charges

  • First Year – INR 10,000
  • Renewal Fee – INR 10,000
  • Foreign Currency Markup – 2%

Annual Fee waiver

  • Spend Rs. 5,00,000 annually to get next year’s renewal fee waiver.
  • Spend Rs. 8,00,000 in one year and get complimentary Annual Membership Benefits.

Annual Membership Benefits

  • Complimentary Club Marriott membership for one year.
  • MMT Doubleblack 1 year Subscription.
  • Zomato Gold Membership for one year.
  • Offers from Ola, BookMyShow or Tata Cliq worth Rs. 500 on monthly spends of Rs. 80,000.

Check your eligibility

  • The Applicant should be of age between 21 years to 60 years.
  • Both salaried and self-employed can apply.
  • The applicant should have a personal income of Rs. 21 lakh or more ( for both salaried and self-employed).

Reward Points & Other Offers

You can earn 5 reward points on every spent of Rs 150. 1 Reward Point = 1 Rupee and you can also earn Airmiles on flight booking. 1 Reward Point = 1 Airmile.

You can redeem these Reward Points for AirMiles across

  • British Airways Executive Club (Avios)
  • InterMiles
  • Singapore Airlines (KrisFlyer Miles)
  • Club Vistara.

Other benefits

  • Complimentary golf games (6 per quarter).
  • 2 crores air accident insurance in case of death due to flight accident.
  • INR 50 lakhs on medical emergencies while traveling overseas.
  • Travel Insurance Cover up to Rs. 55,000 on baggage delay.
  • 1% fuel surcharge waiver.

Complimentary Lounge access With Your Diners Black

You will get unlimited international lounges to access outside India.  Add on cardholders can also enjoy the complimentary lounge access.

Not only International lounges, but you can also use your Diners club black card to get unlimited access to domestic lounges across India.

Who should go for Diners Black?

This card is best if you are a regular international traveler and your annual spends are minimum Rs. 5 lakhs.

#7. HDFC Infinia Card

HDFC Infinia Card is for frequent travelers who don’t want to worry about credit limits. It comes with a minimum credit limit of Rs 10 lac.

best credit cards for foreign international travel

Along with credit limits, you can also enjoy low foreign currency fee and unlimited international lounges access.

Fee & Charges

  • First Year – INR 10,000
  • Renewal Fee – INR 10,000
  • Foreign Currency Markup – 2%

Welcome Benefit Offer

  • A welcome benefit of one-year Club Marriott membership
  • 10,000 Reward points on realization of the first-year fee. You can get welcome benefits every year on paying renewal fees or spending more than Rs. 8 lakhs in one year.

Annual Fee waiver

Spend Rs. 8,00,000 in one year to get next year’s renewal fee waiver along with welcome benefit.

Check your eligibility

  • The Applicant should be of age between 21 years to 60 years.
  • You can get Infinia on invitation only.

Reward Points & Other Offers

You can earn 5 reward points on every spent of Rs 150.  You can convert reward points into AirMiles for both international and domestic airlines. 1 Reward Point = 1 Rupee/Airmile.

Other benefits

  • Complimentary Club Marriott membership for one year.
  • Unlimited Complimentary golf games.
  • Get 10 times Reward Points on your travel and shopping spends on Smartbuy.
  • 3 crores air accident insurance in case of death due to a flight accident.
  • INR 50 lakhs on medical emergencies while traveling overseas.
  • Travel Insurance Cover up to Rs. 55,000 on baggage delay.
  • 1% fuel surcharge waiver.

Complimentary Lounge access

You will get unlimited access to domestic and international lounges. Add on cardholders can also enjoy the complimentary lounge access.

#8. SBI ELITE  Credit Card

SBI elite is a super premium credit card from SBI Bank. SBI elite card comes with a number of offers for online shopping along with dining, shopping on grocery and departmental stores.

Annual Fee – Rs. 4,999

Renewal Fee– Rs. 4,999

Annual Fee Waiver

There is no way to waive off an annual fee or renewal fee. But on the issuance of the card, you get a gift voucher of worth Rs. 5000 as same as the amount of annual fee.

Key Benefits of SBI Elite Credit Card

  • Welcome e-gift voucher worth Rs 5000 from popular brands.
  • Free movie tickets worth Rs. 6,000 every year. It is valid for at least 2 tickets per booking per month. The maximum discount is Rs.250/ ticket for 2 tickets only.
  • Earn 10,000 bonus reward points on achieving annual spends of Rs 3 lakhs and 4 lakhs.
  • Earn 15,000 bonus reward points on achieving annual spends of Rs 5 lakhs and 8 lakhs.
  • 1% fuel surcharge waiver across all petrol pumps maximum up to Rs. 250 subjective to a transaction from Rs.500 to Rs.4000.
  • Earn 2 reward points per Rs.100 on all spending.
  • Earn 5X reward points on dining, departmental stores, grocery, and international spending.
  • 6 complimentary international lounges access
  • Enjoy complimentary domestic lounge access twice every quarter in India.

Important points

  • Worth of 4 reward points = Rs.1.
  • 2% Foreign Currency Mark-up charge.
  • Complimentary Club Vistara Silver membership
  • Complimentary Trident Privilege Red Tier membership
  • You can pay your card outstanding with reward points.

#9. Citibank Premiermiles Credit Card

If you are a regular traveler along with doing transactions online then Citibank PremierMiles credit card is one of the best cards for you. This card gives rewards in the form of miles that you can redeem on over 100 domestic and international airlines.

Annual fee – Rs 3000

Fee Waiver -Annual fees will not be waived off. But if you spend Rs.1000 with your card within the 60 days you will get 10,000 miles. You can redeem those miles at Citibank’s preferred partner.

The value of these miles is 10,000= Rs. 4500, Rs.1500 more than the annual fee.

Key Benefits of Citi Premiermiles Credit Card

  • Get 10,000 miles with your first spend of Rs 1,000 or more on your Citi PremierMiles card within 60 days of card issuance.
  • Get 3,000 miles on card renewal.
  • Earn 10 miles for every Rs. 100 spent on exclusive website www.premiermiles.co.in.
  • Earn 10 miles for every Rs.100 spent on all airline transactions.
  • Flat Rs 1000 instant savings on domestic flight bookings through MakeMyTrip offer till 28 Jan, 2020.
  • Earn 4 miles for every Rs 100 spent on all other transactions.
  • Provides air accident insurance cover up to Rs.1 crore.
  • 6 complimentary lounge access to participating airport lounges in India.

Important Points

  • Redeem miles across over 100 domestic and international airlines.
  • You can also redeem mile, the value is 100 miles= Rs. 45 at Citibank’s preferred partners.
  • Redeem your miles up to 3 hours before take-off.
  • Your accumulated miles never expire.

Who should buy it?

This card is best for regular travelers. Because you will get 10% reward miles for your spending.

#10. ICICI Sapphiro Credit Card

ICICI bank gives many benefits to regular travelers with ICICI Sapphiro Credit Card that you can see below.

Welcome Benefit

Rs. 10,000 vouchers for shopping and travel on payment of joining fee. That includes –

  • 1 Shoppers Stop Voucher
  • 4 EaseMyTrip Vouchers
  • 4 Ola vouchers
  • 2 Zomato vouchers
  • 1 Croma Voucher

Fees & Charges

Joining fee – Rs 6500

Annual fee – Rs 3500

Fee Waiver – On spending Rs. 6 lakh or more in one year.

Key Benefits of ICICI Sapphiro Credit Card

  • 2 International lounge access in one year.
  • 4 complimentary lounge access to participating airport lounges in India.
  • Rs.5,000 discount on Flight & Holiday bookings at Yatra.com
  • 15% cashback on dining out.
  • Book movie ticket on BookMyShow and get Rs 500 off on the second ticket, twice every month.
  • Earn 4 payback points on international spends and 2 on domestic spends per Rs. 100.
  • Provides air accident insurance cover up to Rs.1 crore.
  • 4 complimentary rounds of golf every month.

Other Benefits

  • Get 1 payback points on Rs. 100 spent on fuel, utilities and insurance
  • 2 complimentary domestic airport spa visits per year

#11. SBI Air India Signature Credit Card Review

SBI Air India Signature credit card is one of the best SBI travel credit cards. The card offers amazing benefits and reward points.

This card becomes more special for the frequent flyer with Air India. Here are all the details related to SBI Air India Signature Credit Card.

Fee & Charges

First Year – Rs 4999

Renewal Fee – Rs 4999

Welcome Gift & Bonus Offer

  • Get 20,000 reward points as a welcome gift in the first year.
  • Get 5,000 reward points on every renewal.
  • Spend Rs 5 lacs in a year and get 20,000 reward points.
  • Spends Rs 10 lacs in a year and get 30,000 additional reward points.
  • Cross the milestone of 20 lacs spend in a year and get 50,000 reward points.

Reward Points & Other Benefits on SBI Air India Credit Card

  • Get 30 reward points per Rs 100 spent for tickets booking for self on airindia.com
  • Get 10 rewards per Rs 100 spent for tickets booked for others on airindia.com
  • Earn 10 reward points for every Rs 100 spent on ticket booking for self or others through Air India booking offices or Air India call center.
  • Get 4 reward points for every Rs 100 spent on all other categories.
  • Get a 1% fuel surcharge waiver across all petrol pumps in India.

Complimentary Benefits of SBI Air India Signature Credit Card

  • Enjoy international Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority pass program.
  • Enjoy a complimentary visa lounge access program in India at major domestic airports.
  • Enjoy complimentary lost card liability cover of Rs 1 lakh.

Who should apply?

  • If your annual spending on a single card more than 20 lacs, then you must apply for SBI Air India Signature Credit Card.
  • A frequent traveler with Air India and have annual spend less than 20 lakh through credit card, even then this card will prove fruitful for you.

If you do not belong to any of these two categories then you should look for another card.

Conclusion

I have curated the list of 11 best credit cards for international travel. Tell me your thoughts in the comments. You can also suggest any good travel credit card that you didn’t find on the list. I will try to update as early as possible.

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