Best Credit Card for International Travel from India

Traveling abroad can be a seamless experience when you have the right credit card in your wallet. The best credit card for international travel offers benefits such as airport lounge access, zero foreign exchange markup, travel insurance, and reward points on travel expenses. If you’re a frequent traveler, choosing the right card can help you save money and make your journeys more comfortable. Here’s a list of the best international travel credit cards in India to consider in 2024.

1. HDFC Bank Regalia Credit Card

HDFC is one of the best credit cards for international travel in the world. From its complimentary lounge access to the reward points, everything is very convenient. Here are a few things you must know about it. 

Why Choose It?

• Complementary access to international and domestic airport lounges.
• Low foreign exchange markup of 2%.
• Reward points on travel bookings, dining, and shopping.
• Travel concierge services.

Annual Fee: ₹2,500 (waived on annual spending of ₹3 lakh)

2. SBI Elite Credit Card

SBI Elite is an excellent choice for those who travel internationally often. With its premium benefits, it ensures that your trips are comfortable and rewarding. Here’s what makes it special.

Why Choose It?

• Complimentary Priority Pass membership with free international lounge access.
• 2% foreign exchange markup.
• Exclusive travel vouchers and milestone benefits.
• Earn up to 50,000 bonus reward points annually.

Annual Fee: ₹4,999

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3. Axis Bank Magnus Credit Card

he Axis Bank Magnus Credit Card is designed for luxury travelers who want exclusive benefits while flying abroad. Let’s explore what it has to offer.

Why Choose It?

• Unlimited international lounge access with Priority Pass.
• 2% foreign exchange markup.
• Complimentary domestic and international flight tickets.
• High reward rates on travel spending.

Annual Fee: ₹10,000

4. American Express Platinum Travel Card

American Express is known for its superior travel benefits, and the Platinum Travel Card is no exception. If you love traveling in style, this card is perfect for you.

Why Choose It?

• Travel vouchers worth ₹29,500 on reaching milestone spends.
• Complimentary airport lounge access at select airports.
• Earn Membership Rewards points on all spends.
• Exclusive travel deals and concierge services.

Annual Fee: ₹5,000

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5. ICICI Bank Sapphiro Credit Card

If you’re looking for a travel credit card with comprehensive perks and exclusive privileges, the ICICI Bank Sapphiro Credit Card is a great option. Here’s why you should consider it.

Why Choose It?

• Complimentary DreamFolks membership for international lounge access.
• 2% foreign exchange markup.
• Travel insurance and concierge services.
• Bonus reward points on international spending.

Annual Fee: ₹6,500

6. Citi PremierMiles Credit Card

For frequent flyers, the Citi PremierMiles Credit Card is a must-have. It lets you earn miles on every spend and redeem them for flights, making it highly valuable for travelers.

Why Choose It?

• Earn miles on every spend, which can be redeemed for flights and hotels.
• Complimentary airport lounge access.
• Miles never expire, making it ideal for long-term travel planning.
• 3.5% foreign exchange markup (slightly higher than others but offers great redemption flexibility).

Annual Fee: ₹3,000

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Tips for Choosing the Best Travel Credit Card

• Foreign Exchange Markup: Opt for cards with a low markup (2-3%) to save on international transactions.
• Lounge Access: If you frequently travel, choose a card with complimentary international lounge access.
• Rewards & Redemption: Check the reward structure and redemption options to maximize your travel benefits.
• Annual Fees & Waivers: Consider cards that offer fee waivers on high spending.
• Additional Perks: Look for travel insurance, flight vouchers, and concierge services to enhance your experience.

The right international travel credit card can add immense value to your trips, offering savings on foreign exchange fees, complimentary lounge access, and exclusive travel privileges. Choose a card that aligns with your travel habits and spending patterns to make the most of your journeys abroad. Whether you prioritize rewards, lounge access, or low fees, there’s a perfect travel credit card for every traveler in India.