Best Credit Cards for Travel

Joining Fee ₹14,750

Annual Fee ₹14,750

HDFC Infinia Credit Card

HDFCVisa

Airport LoungeDiningTravel

• Earn 5 reward points per ₹150 retail spend
• Up to 10X reward points on SmartBuy travel and shopping
• Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy

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Joining Fee ₹5,900

Annual Fee ₹5,900

Axis Atlas Credit Card

AxisVisa, Mastercard

ShoppingTravel

• Earn 5 EDGE Miles per ₹100 on eligible travel spends via Axis Bank Travel EDGE portal, direct airline and direct hotel bookings up to ₹2,00,000 per month; earn 2 EDGE Miles per ₹100 thereafter
• Earn 2 EDGE Miles per ₹100 on all other eligible domestic and international transactions (from 20 April 2024 onwards
• Milestone Benefits: – ₹3 lakh annual spend: 2,500 EDGE Miles – ₹7.5 lakh annual spend: Additional 2,500 EDGE Miles – ₹15 lakh annual spend: Additional 5,000 EDGE Miles

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Joining Fee ₹14,750

Annual Fee ₹14,750

Axis Magnus Credit Card

AxisVisa

ShoppingAirport LoungeTravel

• Welcome Voucher worth ₹12,500 — choose from Luxe Gift Card, Postcard Hotels, or Yatra Gift Voucher upon first transaction within 30 days
• Unlimited International Lounge Access via Priority Pass with 4 guest visits per year
• Earn up to 35 EDGE Reward Points per ₹200 on monthly spends above ₹1.5 lakh

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Joining Fee ₹11,800

Annual Fee ₹11,800

HDFC Diners Club Black Metal Credit Card

HDFCDiners Club

DiningTravel

• Get 10,000 reward points on spending ₹4L or more in a calendar quarter
• Up to 50 days of interest-free credit from date of purchase
• Contactless payments enabled for ease and security

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Joining Fee ₹5,899

Annual Fee ₹5,899

HSBC Travel One Credit Card

HSBC BankMastercard

DiningTravel

• Earn 4 reward points for every ₹100 spent on flights, travel aggregators and foreign currency transactions
• 6 complimentary domestic and 4 complimentary international airport lounge visits per year
• Get 10,000 bonus reward points when you spend ₹12 lakh or more in a year

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Joining Fee FREE

Annual Fee FREE

Kotak Solitaire Credit Card

KotakVisa

DiningTravel

• Earn Air Miles on every spend (10 Air Miles/₹100 on flights & hotels via Kotak Unbox3 Air Miles/₹100 elsewhere)
• Unlimited domestic & international airport lounge access
• Zero forex mark-up

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Joining Fee ₹14,750

Annual Fee ₹14,750

IDFC FIRST GAJ Credit Card

IDFCVisa

DiningTravel

• 5 RP per ₹150 on domestic spends; 3 RP per ₹150 on international spends; 1 RP per ₹150 on Insurance, Utilities, Rent, Government, Wallet Load, Railways, FASTag and Education spends
• Bonus rewards on hotels/flights via IDFC FIRST Bank Mobile App (50 RP/₹150 on hotels, 25 RP/₹150 on flights)
• Complimentary domestic & international airport lounge access, railway lounge access

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Joining Fee ₹14,160

Annual Fee ₹23,600

HSBC Premier Credit Card

HSBC BankMastercard

ShoppingDiningTravelUtility Bills

• Earn 3 reward points per ₹100 spent on all purchases
• Accelerated rewards up to 12X on travel spends; capped at 18,000 points per month on flights/hotels
• Utility spends capped at 3,000 reward points per month; other spends unlimited

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Joining Fee ₹35,400

Annual Fee ₹35,400

Axis Burgundy Magnus Credit Card

AxisVisa

ShoppingDiningTravel

• Earn 12 EDGE Reward Points per ₹200 on spends up to ₹1.5 lakh per month
• Earn 35 EDGE Reward Points per ₹200 on incremental spends above ₹1.5 lakh
• Convert rewards at 5 EDGE Points = 4 partner miles

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Joining Fee ₹59,000

Annual Fee ₹59,000

Axis Reserve Credit Card

AxisVisa

Online Food OrderingDiningTravel

• 15 EDGE points per ₹200 (2X on international)
• Unlimited Priority Pass + unlimited domestic lounge
• Complimentary airport concierge

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Joining Fee ₹14,749

Annual Fee ₹14,749

ICICI Emeralde Private Metal Credit Card

ICICI BankMastercard

ShoppingDiningTravel

• Earn 6 reward points per ₹200 on retail spends
• Complimentary Taj Epicure Plus Membership
• Complimentary EazyDiner Prime Membership

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Joining Fee ₹23,600

Annual Fee ₹23,600

Times Black ICICI Bank Credit Card

ICICI BankVisa

ShoppingDiningTravel

• Unlimited domestic and international airport lounge access via Priority Pass for primary and add-on cardholders
• Earn 2% reward points on domestic spends and 2.5% on international spends
• 1.49% forex markup on international transactions with zero cash advance charges

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Joining Fee ₹5,899

Annual Fee ₹5,899

AU Zenith Plus Credit Card

AU Small Finance BankVisa

ShoppingDiningTravel

• Earn 2% back on travel, dining & international spends with 1 reward point = ₹1 - among the best point values in the market with no conversion hassle
• Get 16 domestic and 16 international complimentary airport lounge visits per year plus 4 VIP Meet & Assist services annually
• Enjoy up to 16 buy-1-get-1 movie tickets on BookMyShow per year (capped at ₹500/ticket) plus 8 complimentary golf sessions

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Joining Fee ₹7,079

Annual Fee ₹7,079

IDFC FIRST Mayura Credit Card

IDFCMastercard

ShoppingTravel

• 0% forex markup on all international transactions
• Up to 4 Indian airport lounge visits, 4 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
• Earn 10 Reward Points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle, and 5 Reward Points per ₹150 up to ₹20,000

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Joining Fee ₹5,899

Annual Fee ₹5,899

SBI MILES ELITE Credit Card

SBIMastercard, RuPay

Travel

• Welcome 5,000 Travel Credits
• 6 Travel Credits ₹200 on travel and 2 ₹200 on other spends
• 8 domestic + 6 international airport lounge visits with complimentary Priority Pass ($99)

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Joining Fee FREE

Annual Fee FREE

Scapia Credit Card

Federal BankVisa

ShoppingTravel

• Earn 20% Scapia Coins on travel bookings via the Scapia app
• Earn 10% Scapia Coins on all eligible online and offline spends
• Earn 5% Scapia Coins on UPI and RuPay spends of ₹500 or more

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Joining Fee FREE

Annual Fee ₹14,750

RBL Bank NOVA Credit Card

RBL BankVisa

ShoppingTravel

• Earn 4 Reward Points per ₹200 on all purchases (1 Reward Point = ₹1) and 12 Reward Points per ₹200 on flights & hotels
• 12 international + 12 domestic complimentary airport lounge visits a year with 4 guest visits abroad
• 4 complimentary golf rounds and 12 golf lessons a year

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Joining Fee ₹3,540

Annual Fee ₹3,540

RBL World Safari Credit Card

RBL BankMastercard, Visa

ShoppingTravel

• Earn accelerated reward points on travel spends and standard rewards on domestic purchases
• Enjoy zero forex markup on international transactions
• Get complimentary domestic and international airport lounge access

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Joining Fee ₹3,540

Annual Fee ₹3,540

Axis Horizon Credit Card

AxisVisa, Mastercard

Online Food OrderingTravel

• 5000 EDGE Miles credited on the first transaction greater than or equal to ₹1000 within 30 days of card issuance.
• 1500 EDGE Miles credited upon card anniversary each year.
• 5 EDGE Miles for every ₹100 spent on Axis Bank Travel EDGE portal and airline bookings.

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Joining Fee ₹1,179

Annual Fee ₹1,179

ICICI MakeMyTrip Credit Card

ICICI BankRuPay, Mastercard

ShoppingTravelUPI

• Earn 6% myCash on MakeMyTrip hotel bookings and 3% on flights — over and above regular MMT coupons and discounts, with 1 myCash = ₹1 and no expiry
• Get 8 domestic and 1 international airport lounge access per year with no minimum spend required.
• Enjoy 0% effective forex cost on international transactions with 1% myCash offsetting the 0.99% markup across 200+ countries.

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Joining Fee ₹3,539

Annual Fee ₹3,539

IDFC FIRST Ashva Credit Card

IDFCVisa

ShoppingTravel

• Enjoy a low forex markup of just 1% on International transactions also applicable to international transactions charged in Indian currency
• Up to 4 Indian airport lounge visits, 2 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
• Flat ₹5,000 discount on bookings of ₹25,000 or more at The Postcard Hotels & Resorts, once every calendar quarter using promo code IDFCVIP

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Joining Fee ₹2,950

Annual Fee ₹2,950

HDFC Regalia Gold Credit Card

HDFCVisa, Mastercard

ShoppingTravel

• Earn 4 Reward Points per ₹200 on retail spends
• 5X Reward Points on Myntra, Nykaa, Reliance Digital & select merchants (capped at 5,000 RP per month)
• Reward Points capped at 50,000 per statement cycle

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Joining Fee ₹5,900

Annual Fee ₹5,900

American Express Platinum Travel Credit Card

American Express

DiningTravel

• Earn up to 40,000 bonus MR points per year through 3 spend milestones (₹1.9L / ₹4L / ₹7L) — plus a ₹10,000 Taj Stay voucher at the ₹7 lakh tier, all redeemable on Platinum Travel Collection
• Get 8 complimentary domestic lounge visits per year with complimentary Priority Pass membership (USD 99 annual fee waived)
• MR points never expire as long as the card is active — giving full flexibility to accumulate and redeem without any time pressure.

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Joining Fee ₹3,539

Annual Fee ₹3,539

SBI MILES PRIME Credit Card

SBIMastercard, RuPay

Travel

• 4 Travel Credits ₹200 on travel and 2 ₹200 on other spends
• 8 domestic + 4 international lounge visits with Priority Pass
• milestone bonuses 10,000 credits at ₹8 lakh, extra lounge visits

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