Planning a trip abroad or shopping from international websites? Then you need more than just a regular credit card. An international credit card helps you spend globally with ease, offering benefits like low forex markup, airport lounge access, and travel rewards. But with so many options, choosing the right one can be tricky.
In this blog, we’ve listed the best international credit cards in India that offer great value for frequent flyers, online shoppers, and international students. Whether you’re looking for the best credit card for international travel from India or a card that waives foreign transaction charges, we’ve got you covered.
Keep reading to find the best international credit card India that suits your lifestyle and spending needs.
Top 10 Best International Credit Card India August 2025
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Credit Card Name |
Travel Offer |
Apply Now |
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HDFC Bank Infinia Credit Card |
5X rewards on travel spends |
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ICICI Emeralde Private Metal Credit Card |
0% forex markup |
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HDFC Regalia Gold Credit Card |
Free airport lounge access |
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Axis Bank ATLAS Credit Card |
2 EDGE Miles per ₹100 spend |
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SBI Card ELITE |
Free Club Vistara membership |
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RBL World Safari Credit Card |
0% forex charges |
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IDFC FIRST Select Credit Card |
No forex fee up to ₹1L/month |
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Amex Platinum Travel Credit Card |
₹7,700 travel vouchers |
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Kotak IndiGo 6E Rewards XL Credit Card |
15% off IndiGo flights |
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HSBC TravelOne Credit Card |
12 free lounge access/year |
1. HDFC Bank Infinia Credit Card
If you’re someone who travels frequently and expects premium privileges globally, the HDFC Bank Infinia Credit Card is one of the best international credit cards in India. Known for its exclusive benefits, this card is designed to offer luxury, convenience, and maximum rewards—especially when you’re abroad.
With no preset credit limit, airport lounge access, and zero foreign currency markup, the Infinia stands out as one of the best credit cards for international use.
Top International Travel Offers & Benefits of HDFC Infinia Credit Card
- No Foreign Currency Markup: One of the very few credit cards with no foreign transaction fee in India, making it ideal for global travel and international shopping.
- Unlimited International Lounge Access: Complimentary Priority Pass membership with unlimited access to 1,000+ lounges worldwide for primary and add-on cardholders.
- Luxury Hotel & Dining Privileges: Get exclusive international hotel bookings and dining offers via HDFC Concierge Services and the Infinia Rewards Portal.
- Reward Points on International Spends: Earn 5 reward points per ₹150 spent, even on your international transactions.
- 24×7 Global Concierge Services: Travel support, hotel bookings, visa assistance, and more—anywhere in the world.
- High-Value Travel Vouchers & Welcome Bonus: Enjoy premium travel vouchers and ₹10,000+ worth of welcome gifts with card activation.
- Comprehensive Travel Insurance Coverage: Includes air accident cover, emergency medical insurance, and lost baggage cover while traveling abroad.
If you’re looking for a credit card no foreign transaction fees, the HDFC Infinia is a top-tier option—ideal for elite travelers who want both savings and luxury.
2. ICICI Emeralde Private Metal Credit Card
The ICICI Emeralde Private Metal Credit Card is a top-tier offering for high-net-worth individuals who love to travel in style—without worrying about hidden charges. With zero foreign transaction fee, this card stands out as one of the best no foreign transaction fee credit cards in India, making your global experiences smooth and rewarding.
Whether you’re swiping at luxury boutiques in Paris or booking hotels in Dubai, this credit card with zero foreign transaction fee ensures that you don’t pay extra on international spends.
Top International Travel Offers ICICI Emeralde Private Metal Credit Card
- Zero Foreign Currency Markup: Enjoy seamless global shopping with 0% forex markup, making it one of the few credit cards no foreign transaction fees in India.
- Unlimited Global Lounge Access: Complimentary access to international and domestic airport lounges with DragonPass membership for both primary and add-on users.
- Hotel & Travel Booking Privileges: Get exclusive deals and concierge assistance for booking top luxury hotels and flights worldwide.
- Luxury Welcome Gift: Receive premium welcome benefits worth over ₹20,000 when you activate the card.
- Metal Finish & Prestige: A sleek metal design with exclusive access to the Emeralde Private experience for a select few.
- Concierge Support Worldwide: 24×7 concierge services for international bookings, restaurant reservations, and trip planning.
- Comprehensive Travel Insurance: Travel worry-free with emergency medical, air accident, and travel delay insurance.
If you’re looking for a credit card no foreign transaction fee that offers ultra-premium benefits, the ICICI Emeralde Private Metal Credit Card is an elite choice. It’s not just a travel companion—it’s a status symbol that saves you money every time you go abroad.
3. HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card is a premium lifestyle and travel credit card that offers great value for frequent flyers and global spenders. With competitive forex markup and a rich set of travel rewards, it’s among the best credit cards for international transactions available in India.
If you’re searching for a no foreign transaction fee credit card in India, while Regalia Gold doesn’t offer zero markup, it keeps the fee low at 2% + GST, making it a strong contender in the best forex credit card category.
Top International Benefits of HDFC Regalia Gold Credit Card
- Low Foreign Markup Fee (2%): Enjoy one of the lowest forex fees among premium cards—ideal for international online shopping and travel bookings.
- Complimentary International Lounge Access: Get 6 free airport lounge visits globally via Priority Pass for you and your add-on cardholder.
- Travel Concierge Services: Dedicated travel assistance for flight bookings, hotel reservations, and trip planning—just a call away.
- Travel Insurance Coverage: Includes overseas medical insurance, air accident cover, and more—great for hassle-free trips abroad.
- Accelerated Reward Points: Earn 4 reward points per ₹150 on every international transaction. Points can be redeemed for flight tickets, hotel stays, and vouchers.
- Luxury Hotel Privileges: Exclusive access to curated stays, deals, and upgrades at select 5-star properties worldwide.
- Welcome Benefits: Get bonus reward points worth ₹2,500+ on joining—can be used for your next international trip!
If you’re wondering which card is best for international transactions, the HDFC Regalia Gold Credit Card offers an excellent balance of travel perks, reward earnings, and low forex fees. It’s a smart pick for those who want a best forex credit card without going ultra-premium.
4. Axis Bank ATLAS Credit Card
If you’re a frequent flyer or love exploring new countries, the Axis Bank ATLAS Credit Card is tailor-made for you. This premium travel credit card is packed with global travel perks, airport lounge access, milestone rewards, and airline privileges—making it one of the best credit cards for international travel in India.
Designed with globetrotters in mind, ATLAS brings maximum value on every trip—whether you’re booking tickets, staying at luxury hotels, or accessing airport lounges worldwide.
Benefits of Axis Bank ATLAS Credit Card for International Travel
- Low Forex Markup – 2%: Save more on every swipe abroad. This is ideal if you’re looking for a credit card for international travel with minimal foreign transaction costs.
- International Airport Lounge Access: Enjoy 12+ complimentary international lounge visits annually with Priority Pass membership.
- Milestone-Based Travel Vouchers: Earn travel vouchers from airlines like Air Vistara or IndiGo by hitting annual spending milestones. Perfect for frequent flyers.
- Complimentary Domestic Lounge Visits: Get 12 domestic lounge visits per year, making your airport experience smooth across India.
- Travel Insurance Cover: Includes lost baggage, delayed flights, and medical insurance for peace of mind while traveling.
- Welcome Benefits Worth ₹5,000+: Receive bonus EDGE Miles that can be redeemed for flight bookings and hotel stays.
- EDGE Miles on Every Spend: Earn 2 EDGE Miles per ₹100 on international and travel spends—redeemable for airline bookings and more.
Looking for the best travel credit card in India or the best travel card India has to offer for overseas trips? The Axis Bank ATLAS Credit Card is one of the most rewarding options available today. With exclusive airline privileges, lounge access, and global rewards—it’s the perfect companion for your next international getaway.
5. SBI Card ELITE
Looking for a powerful credit card that offers top-notch perks while traveling abroad or shopping on international websites? The SBI Card ELITE is one of the best Indian credit cards for international travel and overseas online shopping.
Whether you’re booking global flights, staying in luxury hotels, or shopping from international brands online, this card delivers value with every transaction.
SBI Card ELITE Offers International Travel Credit Card
- Low Forex Markup of 1.99%: Save on every international transaction—perfect for those who want the best credit card for overseas online shopping and travel.
- Complimentary International Lounge Access: Get 6 free international lounge visits each year with a complimentary Priority Pass membership.
- Free Domestic Lounge Visits: Enjoy 8 complimentary domestic airport lounge visits per year for a more comfortable journey within India.
- Welcome Benefits Worth ₹5,000+: Get a welcome e-gift voucher from top brands like Yatra, Hush Puppies, Pantaloons, or Shoppers Stop.
- Milestone Benefits & Bonus Rewards: Earn up to 50,000 bonus reward points annually by hitting spending targets—redeemable for travel, gifts, or shopping.
- Club Vistara & Trident Privilege Membership: Includes complimentary memberships that add even more travel value.
- Great for International Shopping: Accepted worldwide and offers excellent rewards on online spends, making it one of the best credit cards for overseas online shopping.
If you’re in search of the best international travel credit card India offers or want the best travel card in India that balances travel perks with lifestyle rewards, the SBI Card ELITE stands out. From lounge access and forex savings to premium memberships and shopping benefits—it’s built to match a globetrotter’s lifestyle.
6. RBL Bank World Safari Credit Card
The RBL Bank World Safari Credit Card is India’s first credit card that offers 0% foreign currency markup, making it the best credit card for foreign travel and international spending. Whether you’re booking a flight to Europe, paying for hotel stays in Dubai, or shopping in New York—this card saves you on every swipe.
If you’re searching through the international credit card list that truly benefits travelers, this card should be at the top.
RBL World Safari Offers for International Travel India
- 0% Forex Markup: No additional charges on foreign currency transactions—perfect for credit cards for use abroad.
- ₹3,000 MakeMyTrip Voucher as a Welcome Gift: Travel more with this bonus, helping you start your journey with savings.
- 2 Complimentary International Airport Lounge Visits per Year: Make your wait luxurious and relaxing when traveling internationally.
- Milestone Benefit Worth ₹10,000: On annual spends of ₹5 Lakhs, get vouchers you can use for future travel or premium experiences.
- Complimentary Travel Insurance: Includes emergency medical cover while abroad—rare and valuable in international travel cards.
- Smart Travel Reward Points: Earn 2 reward points on every ₹100 spent and redeem them for bookings and lifestyle benefits.
If you’re planning frequent trips or international purchases, the RBL Bank World Safari Credit Card is one of the smartest options available in India. From zero forex charges to credit cards to use abroad without worrying about hidden fees, this is your go-to credit card for international transactions.
7. IDFC FIRST Select Credit Card
Looking for a credit card with no foreign transaction fee in India? The IDFC FIRST Select Credit Card is a smart, reward-loaded, and travel-friendly credit card—ideal for those who love to spend, travel, and explore the world.
It’s one of the best international credit cards in India, especially for people who want zero forex markup while making payments abroad. From overseas online shopping to swiping in Europe or the US, this card helps you save on every international transaction.
IDFC FIRST Select Offers For International Travel from India
- 0% Forex Markup: Enjoy international transactions without any extra charges. It’s a perfect credit card zero foreign transaction fee option.
- Welcome Voucher Worth ₹500: Get instant value with your first use.
- Reward Points That Never Expire: Earn 4X to 10X reward points on your spending. These points don’t expire, and you can redeem them anytime.
- Airport Lounge Access: Enjoy 4 complimentary domestic airport lounge visits per quarter—making it an ideal credit card for international travel from India.
- Great Savings on Dining & Shopping: Up to 25% off on dining and regular discounts on top e-commerce platforms.
- Security + Contactless Payments: Chip & PIN protection with contactless features for fast and safe usage globally.
If you’re searching for the best credit card for international travel, the IDFC FIRST Select Credit Card gives you real value with no foreign transaction fees, great rewards, and lounge access—all in one card.
8. American Express Platinum Travel Credit Card
When it comes to luxury, rewards, and international perks, the American Express Platinum Travel Credit Card stands out as one of the best travel credit cards in India. If you’re a frequent flyer who enjoys international trips and premium benefits, this card checks all the boxes.
Whether it’s hotel bookings, flight tickets, or international transactions, this card gives exceptional value and rewards—making it a top choice for those looking for the best credit card for international travel in India.
American Express Platinum Travel Credit Card for International Travel
- Up to ₹7,700 Worth of Travel Vouchers Every Year: Earn Membership Reward Points and redeem them for travel vouchers—ideal for globetrotters.
- Complimentary Lounge Access: Enjoy 8 complimentary visits per year to domestic airport lounges—a must-have for any international travel credit card.
- Widely Accepted Abroad: Use it with ease in over 200 countries—perfect for shopping, dining, and stays.
- High Reward Value on Travel Bookings: Get bonus reward points on booking flights and hotels via American Express Travel.
- Exclusive Taj Stay Vouchers: Spend and earn complimentary stays at luxurious Taj properties.
- 24×7 Global Customer Support: Travel tension-free with Amex’s trusted international support.
Though this card doesn’t offer zero foreign transaction fees, it compensates well through premium travel perks and unmatched reward value, making it one of the best credit cards for international travel from India.
9. Kotak IndiGo 6E Rewards XL Credit Card
If you’re someone who frequently books flights with IndiGo and travels internationally, the Kotak IndiGo 6E Rewards XL Credit Card could be your go-to overseas credit card. Designed in partnership with IndiGo, this card is tailored to give frequent flyers more savings, rewards, and comfort while flying—both within India and abroad.
From flight discounts to rewards on international spending, this card competes closely with the best forex cards in India and makes travel smoother for jet-setters.
Kotak IndiGo 6E Rewards XL Credit Card Offers For International Credit Card
- Welcome Benefits Worth ₹1,500: Includes complimentary IndiGo flight vouchers and 6E Prime add-ons.
- 6E Rewards on All Spends: Earn up to 5% 6E Rewards on IndiGo spends and 2% on international spending, making it ideal for foreign currency travel card users.
- Complimentary Lounge Access: Get up to 8 domestic lounge visits annually for a relaxing pre-flight experience.
- Forex Markup Fee of Just 2.5%: Lower than many regular credit cards—use it abroad with less worry about international transaction fees.
- Fuel Surcharge Waiver & Dining Offers: Extra savings on fuel and restaurants make this card even more cost-efficient.
- Insurance Coverage: Includes lost baggage and travel insurance, making it safer for overseas travel.
Looking to compare travel cash cards? This card is a strong competitor among international credit cards, offering better travel card rates and forex credit card features without the hefty price tag.
Whether you’re booking flights, shopping abroad, or looking for a low-fee foreign currency travel card, the Kotak IndiGo 6E Rewards XL Credit Card delivers high value with every swipe.
10. HSBC TravelOne Credit Card
The HSBC TravelOne Credit Card is a premium offering designed for globe-trotters who want convenience, luxury, and rewards—all in one place. Whether you’re flying to Europe, shopping in Singapore, or dining in Dubai, this card makes your international experiences smoother and more rewarding.
If you’re looking for the best credit card for foreign travel, this one checks all the boxes.
HSBC TravelOne Offers For International Travel Cards
- Accepted Worldwide: Use it confidently across the globe—one of the top credit cards to use abroad with broad merchant coverage.
- Travel Partner Points Transfer: Transfer reward points 1:1 to leading airline and hotel partners like Singapore Airlines, British Airways, and IHG Hotels.
- Global Lounge Access: Enjoy 4 complimentary international lounge visits each year through LoungeKey—making it a luxurious card for overseas travel.
- Low Forex Mark-up Fee of 2.99%: Helps you save on every foreign transaction—ideal for those seeking a reliable credit card for international transactions.
- Free Hotel Memberships & Benefits: Get automatic status with IHG One Rewards and discounts on hotel bookings.
- Welcome & Milestone Rewards: Get bonus points as a welcome gift and additional benefits for achieving annual spends.
Whether you’re making a list of international credit cards or comparing international travel cards, the HSBC TravelOne Credit Card stands out for its global utility, flexible reward redemption, and travel-friendly perks.
What is the best international credit card in India?
The best international credit card in India includes options like HDFC Infinia, Axis Magnus, and HSBC TravelOne, known for travel rewards and global acceptance.
Is there any no foreign transaction fee credit card in India?
Yes, cards like IDFC FIRST Wealth and select Axis Bank cards offer zero foreign transaction fee or low forex markup, ideal for international use.
How to get an international credit card in India?
You can apply online or at your bank for international credit cards by providing income proof, identity documents, and meeting eligibility criteria.
Which is the best credit card for international travel for students?
Cards like ICICI Student Forex Card and HDFC ISIC Student Card are great options for international travel with easy documentation and usage.
Which credit card has the lowest foreign transaction fee in India?
IDFC FIRST Select and Axis Atlas offer among the lowest foreign currency markup fees in India—great for frequent .
Does SBI offer an international credit card
Yes, SBI offers international credit cards like SBI ELITE and SBI Card PRIME, which are accepted globally and come with travel perks.
What are the benefits of the HDFC Infinia credit card for international use?
The HDFC Infinia offers unlimited lounge access, low forex markup (2%), and excellent rewards, making it a premium international travel credit card.
Which credit card offers the best complimentary flight tickets in India?
The American Express Platinum Travel Card and Axis Vistara Infinite Credit Card offer free flight tickets as part of welcome or milestone benefits.
Trending Credit Cards In India July 2025
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