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ToggleAre you a frequent traveller? Do you enjoy the freedom and change of perspective that travelling provides? Then, have you heard about credit cards for international travel?
An International Travel Card is a specialised financial tool designed to facilitate seamless travel experiences for individuals who frequently venture abroad. This card functions similarly to a debit or credit card but is tailored specifically for international use. It allows travellers to make transactions in various currencies without incurring excessive fees or unfavourable exchange rates. Typically, these cards can be loaded with multiple currencies, making it easier for travellers to manage their finances while abroad. By pre-loading the card with funds, users can access their money without the need for frequent currency exchanges or the risks associated with carrying cash.
There are several international credit cards in India meant to benefit frequent travellers. We have compiled a list of some of the best ones to date with their annual and renewal fees for your reference:
Best Credit Card for International Travel | Joining Fees | Lifetime Free | Annual Fee | Travel Rewards |
Jupiter Edge UPI Credit Card | NIL | Yes | NIL | The international credit card is UPI-enabled |
Yatra SBI Credit Card | 499 | No | 499 |
For overseas travels, cardholders can avail themselves of Rs.1000 vouchers For booking international air tickets, an instant discount of Rs.4000, is available that can be availed at a minimum transaction of Rs.40,000 |
SBI Elite Credit Card | 4,999 | No | 4,999 | 6 complimentary international lounge access in a year |
ICICI Emeralde Private Metal Credit Card | 12,500 | No | 12,500 | Unlimited complimentary international and domestic lounge access |
AU Zenith+ Credit Card | 4,999 | No | 4,999 | 16 complimentary international airport lounge access every year using Priority Pass |
HDFC Infinia Credit Card Metal Edition | 12,500 | No | 12,500 | Unlimited airport lounge access for primary and add-on members |
AU Ixigo Credit Card | NIL | Yes | NIL | 10% discount on flight Bookings up to Rs. 1,000 once per month |
YES Bank Marquee Credit Card | 9,999 | No | 4,999 | Up to 24 unlimited international airport lounge visits per year |
IDFC FIRST Wealth Credit Card | NIL | Yes | NIL | Up to 8 international airport lounge & spa access in a year |
RBL World Safari Credit Card | 3,000 | No | 3,000 | 8 complimentary international lounge visits via Priority Pass Membership |
HDFC Regalia Gold Credit Card | 2,500 | No | 2,500 | Up to 6 complimentary international lounge visits per calendar year using Priority Pass |
Axis Bank Magnus Credit Card | 12,500 | No | 12,500 | Priority Pass and 8 additional guest visits per year can be availed by the cardholder |
American Express Platinum Travel Credit Card | 3,500 | No | 5,000 | Spend ₹4 lakh in a year to receive a Taj Stay voucher worth ₹10,000 |
Uni NX Wave Credit Card | NIL | Yes | NIL | Zero Forex Markup. |
Below is a list of the best credit cards for international travel:
Joining Fees
NIL
Lifetime Free
Yes
Annual Fee
NIL
Travel Rewards
The international credit card is UPI-enabled
The Jupiter Edge UPI Credit Card is perfect for those who love simplicity and rewards. Whether you’re traveling abroad or shopping locally, this card makes payments a breeze with its UPI and Tap and Go functionality. It’s a budget-friendly option with lifetime-free membership, plus great cashback offers on your daily expenses.
Joining Fees
499
Lifetime Free
No
Annual Fee
499
Travel Rewards
For overseas travels, cardholders can avail themselves of Rs.1000 vouchers
For booking international air tickets, an instant discount of Rs.4000, is available that can be availed at a minimum transaction of Rs.40,000
If you’re someone who loves to travel, the Yatra SBI Credit Card is your perfect travel companion. With the ability to earn reward points on every purchase, along with fantastic travel benefits, it helps you save money for your next trip. Whether you're flying within India or abroad, the card also gives you discounts on both flights and hotels. Plus, you can enjoy additional savings on fuel, making this card a great all-rounder for frequent travellers.
Joining Fees
4,999
Lifetime Free
No
Annual Fee
4,999
Travel Rewards
6 complimentary international lounge access in a year
The SBI Elite Credit Card is designed for those who value luxury and frequent travel perks. With low foreign currency markup, this card is perfect for international use, and you can enjoy access to exclusive airport lounges worldwide. Whether you're at a domestic airport or traveling abroad, you’ll get the best-in-class service and benefits. Plus, the card comes with a host of rewards, including bonus points and complimentary memberships to top-tier travel programs, making it ideal for frequent flyers who want to travel in style.
Joining Fees
12,500
Lifetime Free
No
Annual Fee
12,500
Travel Rewards
Unlimited complimentary international and domestic lounge access
The ICICI Emeralde Private Metal Credit Card is a premium choice for those who want to experience luxury and convenience. With benefits like unlimited lounge access, travel cancellation refunds, and a special Taj Epicure membership, this card is perfect for frequent travellers and those who love the finer things in life. Whether you’re booking a flight, enjoying a meal, or relaxing at the airport, this card offers exclusive perks that make your experience seamless and rewarding.
Joining Fees
4,999
Lifetime Free
No
Annual Fee
4,999
Travel Rewards
16 complimentary international airport lounge access every year using Priority Pass
The AU Zenith+ Credit Card offers impressive travel perks and premium benefits for high-spending individuals. With low forex markup, complimentary access to both domestic and international lounges, and Taj Epicure membership, this card is made for those who enjoy a luxurious lifestyle. Whether you’re traveling for business or leisure, the Zenith+ card makes sure every journey is comfortable and rewarding, with a range of exclusive services and rewards.
Joining Fees
12,500
Lifetime Free
No
Annual Fee
12,500
Travel Rewards
Unlimited airport lounge access for primary and add-on members
The HDFC Infinia Credit Card Metal Edition is designed for those who enjoy exclusive privileges and a premium lifestyle. With benefits like air miles, golf perks, and access to exclusive hotels, this card is perfect for frequent travellers who seek luxury and rewards. Whether you're indulging in gourmet experiences, exploring new destinations, or enjoying leisure activities, this card enhances your lifestyle with its comprehensive suite of features.
Joining Fees
NIL
Lifetime Free
Yes
Annual Fee
NIL
Travel Rewards
10% discount on flight Bookings up to Rs. 1,000 once per month
The AU Ixigo Credit Card is perfect for travellers who want rewards and discounts on their travel bookings. Whether you’re booking flights, hotels, or trains, this card offers a solid set of benefits like zero forex markup fees, which makes it a great choice for international spending. It also offers access to lounges and a good insurance cover for peace of mind.
Joining Fees
9,999
Lifetime Free
No
Annual Fee
4,999
Travel Rewards
Up to 24 unlimited international airport lounge visits per year
The YES Bank Marquee Credit Card is aimed at individuals who want a premium credit card with perks like golf lessons, movie discounts, and dining benefits. Though it comes with a 1% forex fee, its exclusive rewards and services make it a solid choice for those who enjoy a luxurious lifestyle.
Joining Fees
NIL
Lifetime Free
Yes
Annual Fee
NIL
Travel Rewards
Up to 8 international airport lounge & spa access in a year
The IDFC FIRST Wealth Credit Card is a great option for frequent travellers and high spenders. It offers a combination of premium travel perks like lounge access and travel insurance, along with generous rewards on both domestic and international spending. With benefits like low forex markup, this card is designed to make your global travels smoother and more rewarding. Whether it's redeeming reward points for travel or enjoying airport lounge access, this card ensures you get maximum value from every transaction.
Joining Fees
3,000
Lifetime Free
No
Annual Fee
3,000
Travel Rewards
8 complimentary international lounge visits via Priority Pass Membership
The RBL World Safari Credit Card is perfect for frequent travellers who want to rack up rewards on their travel spending. With no foreign exchange markup fee, it’s an excellent choice for international purchases. Whether you're exploring new destinations or just grabbing lunch, you’ll earn Travel Points that can be redeemed for exciting rewards. Plus, the card gives you access to a range of complimentary lounge visits both in India and abroad, ensuring comfort during your travels.
Joining Fees
2,500
Lifetime Free
No
Annual Fee
2,500
Travel Rewards
Up to 6 complimentary international lounge visits per calendar year using Priority Pass
The HDFC Regalia Gold Credit Card is a solid choice for those who love to travel and shop. Offering numerous benefits such as flight vouchers, lounge access, and exclusive brand partnerships, this card makes every purchase rewarding. Whether you’re booking flights, enjoying a meal at your favorite restaurant, or shopping for the latest gadgets, it’s designed to reward you for your everyday spends while making sure you have access to luxury services, from international lounge access to memberships at elite travel programs.
Joining Fees
12,500
Lifetime Free
No
Annual Fee
12,500
Travel Rewards
Priority Pass and 8 additional guest visits per year can be availed by the cardholder
The Axis Bank Magnus Credit Card is designed for those who expect luxury and convenience, especially when traveling abroad. From unlimited international lounge access to concierge services that make your travels stress-free, this card adds a touch of comfort to your journeys. The activation benefits, including a luxurious voucher, are just the beginning—whether you’re traveling for business or leisure, this card ensures your experience is seamless and well-rewarded.
Joining Fees
3,500
Lifetime Free
No
Annual Fee
5,000
Travel Rewards
Spend ₹4 lakh in a year to receive a Taj Stay voucher worth ₹10,000
The American Express Platinum Travel Credit Card is designed for frequent travellers seeking premium benefits. With a competitive annual fee, it offers substantial rewards and travel perks that enhance your travel experience.
Joining Fees
NIL
Lifetime Free
Yes
Annual Fee
NIL
Travel Rewards
Zero Forex Markup.
The Uni NX Wave Credit Card is a next-generation card designed for those who love rewards. With no joining or annual fees, it offers straightforward cashback benefits and zero forex markup, making it ideal for both domestic and international spending.
Eligibility:
The application process of applying for an international credit card looks something like this:
Make sure you compare every bank or credit card issuer that provides an international credit card. This is because several banks offer different benefits and features. Some may suit you, and some may not. Hence, research is necessary.
Most credit card issuers have an online website where you can see whether they provide an international credit card. Check the website and apply online for a hassle-free and convenient process.
Ensure you read all the required documents from your end so you can effortlessly just submit them online without any hassles.
Once you submit the much-needed documents, it’s time to verify them. The credit card issuer does this process. They will scan your documents and tally your creditworthiness, based on which they can give you the best international credit card. The verification process may also include a scan of your credit history and CIBIL score.
Once the verification is successful, the issuer will approve your international credit card and dispatch it to your address.
Upon receiving the credit card, you must begin the card activation process. You can do this through their website or app or by calling their helpline.
Below are some of the documents required to avail of an international credit card:
Age Requirement
You must be between the ages of 21 and 70 to apply for an international travel credit card.
Credit Score
You must have a good credit history and a positive credit score, as well as great credit behaviour.
Income Level
Some international credit card issuers may have set a limit to the minimum income levels you need to apply for their card to assure them of credit repayment.
Residency Status
You should be a citizen of the country from where you are applying for an international credit card.
An international travel credit card has several benefits, especially if you are a frequent traveller.
Many international travel credit cards offer low or no foreign exchange markup fees, allowing you to save money on every transaction abroad. This can significantly reduce the cost of your purchases, making your travel budget stretch further.
International travel credit cards often provide higher rewards points or cashback on purchases made outside your home country. This means that while you’re exploring new destinations, you can also earn valuable rewards that can be redeemed for future travel or other perks.
With many travel credit cards, cardholders enjoy complimentary access to airport lounges worldwide. This privilege allows for a more comfortable travel experience, where you can relax, enjoy refreshments, and catch up on work or entertainment before your flight.
International travel credit cards frequently come with additional perks like travel insurance, emergency assistance services, and car rental insurance. These benefits can provide peace of mind and added convenience, making your journey smoother and more enjoyable.
When it comes to selecting the best international travel credit card for your travel needs, you need to assess your wants and financial goals. Are you a frequent traveller or an occasional adventurer? Do you usually go on budget-friendly trips? There’s a travel credit card for everyone; you simply need to assess your needs and research until you find the best card that suits you!
Explore the world without breaking the bank.
Get 2% cashback on flights, hotels, and more with Edge CSB Bank RuPay Credit Card on Jupiter
Yes, it is important to maintain a good credit score in order to get an international travel credit card to get the best deals and unlock great rewards and benefits.
The consequences depend on the credit card issuers, but generally, your credit score will take a bad dip. You will further be charged interest rates on every monthly credit card payment due until you repay the full payment, and in severe cases, they may freeze your account.
In some cases, depending on the credit card issuer, your annual fees may be waived if you spend a certain amount on your card and regularly pay off card debts on time.
If you are an NRI willing to get an international credit card from a bank in India, you need to have a Non-Resident Ordinary (NRO) or Non-Resident External Rupee (NRE) account, as most banks consider this the top eligibility criteria for non-residents.
Credit cards do not have a distinct credit limit for foreign currency transactions. Instead, your total credit limit applies to all purchases, whether they’re made domestically or internationally.
While no credit card offers entirely free foreign transaction options due to forex markup fees, some cards do have lower fees that make them more affordable for international use.
Many credit cards on the market cater specifically to international travel. Although any card can be used for transactions abroad, some options come with lower foreign exchange markup fees or additional benefits that can help you save money while shopping overseas. Choosing the right card ultimately depends on your spending habits and travel style.
Many international travel credit cards are considered premium options, which often means they charge a sign-up and annual fee. However, some cards waive annual fees if you reach a specified spending threshold. For frequent travellers, taking advantage of these spending requirements can maximise the benefits of international cards while avoiding the annual fee.
Once you receive your credit card, it’s a good idea to check with your card issuer about using it for international purchases. Visa and MasterCard are generally widely accepted around the world. However, keep in mind that RuPay credit cards are primarily designed for domestic use and are typically restricted to transactions within the country.
Most international travel credit cards provide this feature. However, for international lounge access, always look for the ones with Priority Pass Membership.
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Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.
Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.
Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.
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