If you’re planning to travel abroad from India, choosing the right credit card is important. Many credit cards charge high fees on international transactions, which can significantly increase your travel expenses. Choosing the right international credit card can help you save on foreign exchange charges and allow you to take advantage of benefits like lounge access, rewards, and insurance. Below, we’ve listed The Best Credit Cards for International Travel in 2026.
1. RBL Bank World Safari Credit Card
Fees & Charges
- Joining/Annual Fee: ₹3000 + taxes
- Forex Markup Fee: Zero
- Finance Charges: 3.99% per month
Key Features/Benefits
- Zero Forex Markup Charges on all foreign currency transactions.
- Welcome gift of MakeMyTrip voucher worth ₹3000.
- 5 Reward points on every ₹100 spend on Domestic & International travel spends.
- 2 Reward points on every ₹100 spend on Domestic retail spends on other categories.
- 10,000 Reward points on spending ₹2.5 lakh annually.
- 15,000 Reward points on spending ₹5 lakh annually.
- Vouchers worth ₹10,000 of brands including Amazon, Taj Experiences, Croma, MakeMyTrip & Myntra on annual spends of ₹7.5 lakh.
- 2 Complimentary Domestic lounge visits per quarter if you spend more than ₹35,000 in last quarter.
- 2 Complimentary International lounge visits with Priority Pass Membership annually, get an extra International lounge visit if you spend ₹50,000 or more in a quarter.
- 1 Complimentary Golf lessons per month.
- 4 Complimentary rounds of Golf green fee annually.
- 50 % discount on Golf green fee after 4 complimentary rounds.
- 1% fuel surcharge waiver on fuel spends maximum ₹250 per statement cycle (valid on transaction between ₹500 to ₹4000).
2. Scapia Federal Bank Credit Card
Fees & Charges
- Joining/Annual Fee: Zero
- Forex Markup Fee: Zero
- Finance Charges: 3.75% per month
Key Features/Benefits
- Zero Forex Markup Charges on all foreign currency transactions.
- 20% Scapia Coins on all the travel booking through Scapia App.
- 10% Scapia Coins on online and offline spends on VISA.
- 5 Scapia Coins = ₹1
- 5% Reward on UPI, online and offline spends on RUPAY on minimum spend of ₹500.
- Unlimited Domestic lounge access and complimentary dining, spa and shopping vouchers by spending ₹10,000 through VISA and ₹15,000 through RUPAY card per month.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹500 per statement cycle (on transaction up to ₹5000).
3. HDFC Bank Infinia Credit Card
Fees & Charges
- Joining Fee: ₹12500 + taxes
- Annual Fee: ₹12500 + taxes, waived if you spends more than ₹10 lakh in last year
- Forex Markup: 2%
- Finance Charges: 1.99% per month
- Cash Withdrawal Charges: 2.5% or ₹500 which is higher
Key Features/Benefits
- Welcome benefits of 12500 reward points and complimentary Club Marriott membership for first year.
- 5 Reward points on every ₹150 spent.
- Up to 10X reward points (maximum 15000 reward points per month) on spends via HDFC Bank SmartBuy Platform.
- Unlimited complimentary domestic lounge access for primary & add-on cardholders.
- Unlimited complimentary international lounge access through priority pass for primary and add-on cardholders.
- Unlimited Golf games and lessons in India and Abroad.
- Global Concierge Service for customized bookings & assistance.
- Book stay for 3 nights and pay for 2 nights at participating ITC Hotels using HDFC Infinia Credit Card.
- Get 1+1 buffet at participating ITC Hotels.
- 15% Discount on Swiggy dineout at participating ITC Hotels.
- Air Accident death cover worth ₹3 crore.
- Emergency overseas hospitalization cover up to ₹50 lakh.
- Credit Shield cover Up to ₹ 9 lakh.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹1000 per statement cycle (on transaction between ₹400 to 1 lakh).
4. SBI Card Elite
Fees & Charges
- Joining Fee: ₹4999 + taxes
- Annual/Renewal Fee: ₹4999 + taxes, waived if you spend more than ₹10 lakh in last year.
- Forex Markup: 1.99%
- Finance Charges: 3.50% per month
Key Features/Benefits
- Welcome gift of vouchers worth ₹5000 from any of the following brand – Pantaloons, Aditya Birla Fashion, Shoppers Stop, Bata/Hush Puppies and Yatra.
- 5X Reward points on Dinning, Grocery and Departmental Stores spends.
- 2 Reward points on every ₹100 spends on other categories (except fuel).
- 4 Reward points = ₹1
- Earn Up to 50,000 Bonus Reward Points worth ₹12,500 per year.
- 10,000 Bonus reward points each on spending ₹3 lakh and ₹4 lakh in a year.
- 15,000 Bonus reward points on spending ₹5 lakh in a year.
- 15,000 Bonus reward points on spending ₹8 lakh in a year.
- 2 Complimentary movie tickets worth ₹250 each per month on minimum booking of at least 2 movie tickets.
- 2 Complimentary Domestic Lounge access per quarter.
- 6 Complimentary International Lounge access per year (maximum 2 lounge access per quarter).
- Complimentary Priority Pass Membership worth $99.
- Complimentary 1-Year Club ITC Silver Tier Membership.
- Complimentary Credit Card Fraud Liability Cover Insurance worth ₹1 lakh.
- Concierge Service of dedicated assistance on Gift Delivery, Flower Delivery and Online Doctor Consultation.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹250 per statement cycle (on transaction between ₹500 to ₹4000).
5. ICICI Emeralde Private Metal Credit Card
Fees & Charges
- Joining Fee: ₹12,499 + taxes
- Annual/Renewal Fee: ₹12,499 + taxes, waived if you spend more than ₹10 lakh in last year.
- Forex Markup: 2%
- Cash Withdrawal Charges: 3.75%
- Finance Charges: 3.75%
Key Features/Benefits
- Welcome benefit of complimentary 1-Year Taj Epicure Membership and 12,500 bonus reward points on card activation and renewal.
- 6 Reward points on every ₹200 spend including Grocery, Insurance, Education and Utilities Transaction (Maximum 1000 reward points on grocery, education, utilities transactions and maximum 5000 reward points on insurance per statement cycle).
- 6X Reward points on flight/vouchers and 12X reward points on hotel booking through iShop.
- Unlimited Domestic and International Airport lounge access with Priority Pass Membership for both primary and add-on cardholders.
- Cancellation charges cover on Domestic flights and Hotel bookings up to ₹12000 on maximum 2 air travel or hotel bookings cancellations.
- Air Accident death cover of ₹3 crore.
- Purchase Protection cover up to ₹1.4 lakh.
- ₹84,000 Cover for loss and ₹21,000 cover for delay of checked-in baggage.
- ₹75,000 Cover for plane hijacking.
- ₹50,000 Cover for medical expenses due to rail/road accident.
- ₹35,000 Cover for loss of passport and travel related documents.
- ₹17,500 Cover for delay in flight.
- ₹21,000 cover for missing connecting international flight.
- Buy 1 get 1 movie tickets up to ₹750 on BookMyShow twice a month.
- 2 EaseMyTrip Vouchers worth ₹3,000 each on spends ₹4 lakh and 8 lakh annually.
- Complimentary EazyDinner membership and 2,000 EazyPoints as joining bonus.
- Unlimited Golf lessons or rounds per month.
- 24 X 7 Concierge service assistance.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹1,000 per statement cycle (on fuel transactions below ₹4000).
6. Axis Bank Magnus Credit Card
Fees & Charges
- Joining Fee: 12,500 + taxes
- Annual/Renewal Fee: 12,500 + taxes, waived if you spend more than ₹25 lakh in last year.
- Cash Withdrawal Charges: Nil
- Forex Markup: 2%
- Finance Charges: 3% per month
Key Features/Benefits
- Welcome benefit of luxe gift card or the postcard hotels gift vouchers worth ₹12,500.
- 12 EDGE Reward points on every ₹200 spends on spending up to ₹1.5 lakh and 35 EDGE Reward points on every ₹200 spends on spending above ₹1.5 lakh per month.
- 5X Reward points on spend through Travel EDGE Portal.
- Up to 30% discount at Dining at 4,000 + partner restaurants in india.
- Unlimited International lounge visits with priority pass and 4 additional guests per year.
- Unlimited Domestic lounge visits to select airport lounges for primary and add-on cardholders on spending ₹50,000 per quarter.
- 15% Discount on Domestic & International Oberoi & Trident Hotels.
- Book stay for 3 nights and pay for 2 nights & room upgrade for next category at Oberoi & Trident Hotels.
- Purchase Protection cover up to ₹2 lakh.
- Loss/Delay in baggage & personal documents cover up to $500.
- Credit Shield cover up to ₹5 lakh.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹400 per statement cycle (on transaction between ₹400 to ₹4000).
7. HDFC Bank Dinners Club Black Credit Card
Fees & Charges
- Joining Fee: ₹10,000 + taxes
- Annual/Renewal Fee: ₹10,000 + taxes, waived if you spend more than ₹5 lakh in last year
- Cash Withdrawal Charges: 2.5% or ₹500 (which is higher)
- Forex markup: 2%
- Finance Charges: 1.99%
Key Features/Benefits
- Complimentary annual membership of Club Marriott, Amazon Prime, Times Prime, Swiggy One (3 months), MMT Black on annual spends of ₹8 lakh.
- 5 Reward points on every ₹150 spends.
- Up to 10X reward points on hotels and flight bookings via SmartBuy.
- ₹1,000 Cashback across 200+ brands on spend via PayZapp.
- 2 Voucher worth ₹500 from Uber, Tata Cliq, BookMyShow or Cult Fit per month on spends of ₹80,000.
- 2X reward points on on weekend dining on participating restaurants.
- Exclusive discounts at leading saloons, spa, gyms etc.
- 6 Complimentary Golf games per quarter across the finest courses in the world.
- Unlimited Domestic and International lounge access for primary and add-on cardholders.
- Priority check-in and baggage assistance through Fast Track Airport Experience.
- ₹2 Crore air accidental insurance cover.
- ₹50 lakh emergency overseas hospitalization cover.
- ₹9 lakh credit liability cover.
- Up to ₹55,000 travel insurance cover on baggage delay (maximum $10 per hour up to 8 hours).
- 24 X 7 Concierge service for golf courses referral, reservations assistance, dinning referral and car rental etc.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹1,000 per statement cycle (on minimum fuel transactions of ₹400).
8. HSBC TravelOne Credit Card
Fees & Charges
- Joining Fee:₹4999 + taxes
- Annual/Renewal Fee: ₹4999 + taxes, waived if you spend more than ₹8 lakh in last year.
- Finance Charges: 3.75% per month.
Key Features/Benefits
- Welcome benefit of cashback worth ₹1,000, PostCard vouchers worth ₹3,000 and 3 months EazyDiner Prime Membership on spend ₹10,000 within 30 days of card activation.
- 4 Reward points on every ₹100 spend on flights, travel aggregators and foreign currency.
- 2 Reward points on every ₹100 spend on other categories.
- 10,000 Bonus reward points if you spend more than ₹12 lakh in last year.
- Up to 15% discount on domestic and international holiday bookings at Yatra, Clear Trip, Paytm Travel and EaseMyTrip.
- Up to 20% discount on select duty free stores in India.
- 6 Complimentary Domestic lounge visits and 4 complimentary International lounge visits per year.
- Up to $20,000 purchase protection every year.
- 4 Complimentary Golf rounds per year and 12 complimentary Golf lessons per year (maximum 1 lesson per month).
- 50% Discount on green fees for additional Golf rounds.
- Discount offers on movies, events and dining with Zomato app.