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Best Credit Cards for International Use in 2021

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An optimum combination of benefits such as access to international airport lounges, low foreign currency mark up fee, discounted flight tickets, better rewards on spending outside India, access to best international golf courses, etc. are necessary for a top credit card designed for international usage. Read about 10 best credit cards for international use selected keeping all such benefits in mind.

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हिंदी में पढ़े
Updated: 28-10-2021 11:00:43 AM

If you travel abroad frequently, then, credit cards offering benefits and privileges on foreign transactions are something you cannot avoid. International credit cards offer benefits such as low foreign currency mark-up fees and global acceptability at various merchant counters across the world. With this credit card, you can spend in the currency of the respective location where you are travelling and later on settle the dues in the Indian currency.

Features of International Credit Cards

Credit cards for international use offer the following feature –

  • The card can be used at all foreign outlets both online and offline
  • You can avail of international lounge access in multiple countries
  • Facility of earning reward points on making purchases with the card
  • Discounted rates at hotel booking and flight tickets
  • Low foreign currency markup fee in comparison to regular credit cards

Note: The features and benefits of international credit cards can vary across all credit cards and credit card providers.

10 Best Credit Cards in India for International Use

Credit CardAnnual Fee/Joining FeeForeign Currency Mark-up Fee
SBI Etihad Guest Premier  Credit CardRs. 4,9993.5%; 1.99% (For Elite & Aurum Cardholders Only)
HDFC Infinia Credit Card Metal EditionRs. 12,5002%
Citi PremierMiles CardCase to case basis3.5%
RBL World Safari Credit CardRs. 3,0000%
Air India SBI Signature Credit CardUp to Rs. 4,9993.5%; 1.99%(For Elite & Aurum Cardholders Only)
IndusInd Legend Credit CardJoining Fee Rs. 9,999; Nil at Paisabazaar
Annual Fee – Nil		1.8% ( Initially 3.5%, differential amount credited at the end of the month)
Axis Reserve Credit CardRs. 50,0001.5%
Axis Burgundy PrivateRs. 50,000Nil
ICICI MMT SignatureJoining fee- Rs. 2.500
Annual fee- NIL		3.5%
HDFC Regalia Credit CardRs. 2,500 (reversed on spending Rs. 3 Lakh in the previous year)2%

SBI Etihad Guest Premier Credit Card

SBI Etihad Guest Premier credit card is designed to meet the needs of frequent travellers. It is equipped with various features such as rewards, discounts, milestone benefits, insurance cover and lounge access.

Joining Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST (Reversed on spending Rs. 5 Lakh in the previous year)
Income Eligibility: Communicated at the time of application

Key Features

  • Complimentary 5000 Etihad Guest Miles as welcome benefit
  • 6 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
  • 4 Etihad Guest Miles on every Rs. 100 spent on International spends
  • Up to 10% discount on direct Etihad Airways booking subject to the conditions (3% on Economy Class and 10% on Business class)
  • 10% discount on travel rewards miles redemption
  • 1,500 Etihad Guest miles on spending Rs. 1.5 lakhs in a calendar quarter
  • Overseas air accident cover of Rs. 50 Lakh, fraud liability cover of Rs. 1 lakh and lost baggage allowance of up to USD 1000 as complimentary insurance benefits

Read in Detail about Etihad Guest SBI Premier Card

HDFC Infinia Credit Card Metal Edition

HDFC Infinia Credit Card Metal Edition offers premium lifestyle benefits to selected customers, as it is an invite-only card. The card offers exclusive offers on travel and shopping.

Joining Fee: Rs. 12,500 + GST
Renewal Fee: Rs. 12,5000 + GST (Waived off on spending Rs. 10 Lakh in the preceding year)
Eligibility: By invitation only

Key Features

  • Unlimited airport lounge access across the globe for both primary and add-on cardholders
  • 5 Reward Points on spending Rs. 150
  • 24×7 Global Personal Concierge
  • Travel insurance with accidental air death cover worth Rs. 3 Crore and overseas hospitalization up to Rs. 50 Lakh in case of emergency
  • Unlimited complimentary golf games at leading courses in India and selected courses across the world
  • Low foreign exchange markup fee of 2%
  • Club Marriott membership for the first year with up to 20% discounts on dining and stay across Asia – Pacific region

Read in Detail about HDFC Infinia Metal Edition Credit Card

Citi PremierMiles Card

Citi PremierMiles Card by Citi Bank offers exclusive benefits to frequent travellers to international locations. This travel credit card is equipped with features such as lounge access, dining privileges, rewards, and global acceptance.

Joining Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Income Eligibility: Rs. 25,000 per month

Key Features

  • Welcome gift of 10,000 Miles
  • 10 Miles on every Rs 100 spent on airline transactions and 4 Miles on every Rs. 100 spent
  • Mile points can be used across 100+ hotel and airline partners
  • Miles can be transferred to 14 airlines and hotel partners
  • Complimentary access to domestic and international airport lounges in India
  • No expiry of miles points and these can be redeemed as per your convenience
  • Air accident insurance cover of up to Rs. 1 crore, and Rs. 10 lakh lost card liability cover
  • Up to 20% discount on CitiBank partner restaurants

Read in Detail: Citi PremierMiles Credit Card

RBL World Safari Credit Card

RBL World Safari Credit Card is India’s first travel credit card with a 0% mark-up fee on all foreign currency transactions. Thus, the card is best suited for international usage.

Joining Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Income Eligibility: Rs. 25,000 per month

Key Features

  • Welcome gift voucher from MakeMyTrip worth Rs. 3,000
  • 2 Travel Points for every Rs. 100 spent on all your purchases and 5 travel points on every Rs. 100 spent on travel spends. (Note, you do not earn any rewards points on international purchases)
  • 10,000 bonus travel points on the spending of Rs. 2.5 Lakh in a year and additional 15,000 Travel Points on the spending of Rs. 5 Lakh in a year
  • Access to 1300+ international airport lounges through complimentary Priority Pass membership
  • Complimentary travel cover insurance – Personal Liability coverage, Trip Delay, Baggage Loss, Loss of Passport and Dental Treatment

Find detailed information about RBL World Safari Credit Card

Air India SBI Signature Credit Card

SBI Air India Signature Credit Card is a go-to card to reward you for your international travel if you travel mostly by Air India.

Joining Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST
Income Eligibility: Communicated at the time of application

Key Features

  • 20,000 Reward points* as a welcome gift on payment of your joining fee
  • Complimentary membership of the Air India Frequent Flyer program – Flying Returns
  • 30 Reward Points when booked for self and 10 Reward Points when booked for others
  • International airport luxury lounge access to over 600 airport lounges with complimentary Priority Pass Program
  • Reward points conversion into Air India miles, where 1 Reward point is equal to 1 Air India Air mile
  • Lost card liability insurance cover of Rs. 1 lakh (applicable from the period of 48 hours before reporting of loss till 7 days post the reporting of loss)
  • Easy cash withdrawal at over 1 million Visa ATMs worldwide including over 18,000 Visa ATMs in India
  • Global acceptance at over 2 million Visa outlets in the world and over 2,85,000 outlets in India

Read in Detail about Air India SBI Signature Credit Card

IndusInd Legend Credit Card

IndusInd Legend credit card offers attractive offers on online shopping, movies, bill payments, and travel. If you apply for this credit card through Paisabazaar.com, the joining fee of Rs. 9,999 + GST is completely waived off.

Joining Fee: Rs. 9,999 + GST
Renewal Fee: Nil
Income Eligibility: Communicated at the time of application

Key Features

  •  1 reward point on every Rs. 100 spent on weekdays and 2 reward points on every Rs. 100 spent on weekends
  • On spending Rs. 6,00,000 or above within one year from the date of issuance of the card, 4,000 bonus points can be earned
  • Reward points redemption against miles on partner airlines
  • Complimentary stay at Oberoi Hotel in India
  •  Access to some of the most picturesque golf courses and golf clubs in the country
  • Waiver of foreign currency mark-up on your foreign currency transactions – The foreign currency mark-up is charged at 1.8%. Initially, the foreign currency mark-up is charged at 3.5%, and the differential amount is credited to your account at the end of the next calendar month.
  • Complimentary access to international lounges in India and abroad
  • Club Marriott membership for the first year that offers up to 20% discounts for dining and stays across Asia – Pacific region

Read about IndusInd Legend Credit Card in Detail

Axis Reserve Credit Card

Axis Reserve credit card is a super-premium credit card that provides a number of benefits for frequent travellers travelling to international locations.

Joining Fee: Rs. 50,000
Renewal Fee: Rs. 50,000
Income Eligibility: Communicated at the time of application

Key Features

  • 4 complimentary chauffeured luxury airport pick-ups and drops every year
  • Priority Pass membership with free unlimited international visits for primary and add-on cardholders. Further, 12 free visits for accompanying guests per annum
  • Benefit of Club Marriott Asia Pacific membership: 20% discount on dining; 20% discount on best available rates at selected hotels in India and on Weekend rates in the Asia Pacific region
  • 8 free VIP Assistance Services for check-in, porter services, security check, and immigration processes
  • Low foreign transaction mark-up fee of 1.5%
  • Global travel and medical assistance for international travel

Find detailed information about Axis Bank Reserve Credit Card

Axis Burgundy Private Credit Card

Axis Burgundy Private Credit Card is another premium credit card by Axis Bank offered to high-net-worth individuals. It offers some exclusive features for international usage as well, the most important one being that the foreign exchange markup fee is NIL.

Annual Fee: Nil
Renewal Fee: Nil
Eligibility: Exclusive for Burgundy customers maintaining a relationship value of Rs. 5 crore and above

Key Features

  • 10 points on every Rs. 200 spent on Burgundy Debit card
  • Facility to increase credit limit during foreign travel
  • Unlimited lounge access at international airports for Priority Pass holders and add-on cardholders
  • Up to 30% discount on conveyance to airports in India and abroad
  •  Concierge service at airports for 8 visits
  • 30% discounts on conveyance to airports in India and abroad
  • Travel insurance: Air accident cover of Rs. 4.5 crore, lost card liability, and purchase protection

Read More about Axis Bank Burgundy Private Credit Card

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card is a zero-annual fee credit card, exclusively designed to provide travel benefits to both domestic and international travellers.

Joining Fee: Rs. 2,500 + GST
Renewal Fee: Nil
Income Eligibility: Salaried – Rs. 4.2 Lakh p.a., Self-employed – Rs. 9 Lakh p.a.

Key Features

  • Joining Benefits: Rs. 1,500 My Cash*, MMT BLACK Exclusive membership*, MakeMyTrip holiday voucher worth Rs. 2,500 (This does not apply to lifetime free cards)
  • Exclusive MMT Cabs benefit and Airtel international roaming pack up to Rs. 3,999
  • International and domestic airport lounge access
  • Access to luxurious airport lounges across 115 countries around the world

Note: These benefits are credited within 45 business days post payment of your joining fee, except the MakeMyTrip holiday voucher. Also, MMT BLACK exclusive membership is applicable if your primary card is set up on or after Aug 1, 2021.

Read in Detail: MakeMyTrip ICICI Bank Signature Credit Card 

HDFC Regalia Credit Card

HDFC Regalia Credit Card offers benefits across multiple categories such as travel, shopping, dining and more. People not eligible for some super-premium international credit cards can apply for this credit card as it has relatively relaxed eligibility criteria.

Joining Fee: Rs. 2,500 + GST (Reversed on spending Rs. 3 Lakh)
Renewal Fee: Rs. 2,500 + GST
Income Eligibility: Salaried – Rs. 70,000 p.m., Self-employed – Rs. 8.4 Lakh p.a.

Key Features

  • Complimentary Dineout Passport Membership on spending a minimum of Rs.75,000 or more every calendar quarter
  • 4 reward points per Rs.150 on all retail spends including insurance, utilities, education, and rent
  • 10,000 bonus reward points on spending Rs. 5 Lakh and additional 5,000 bonus reward points on spending Rs. 8 Lakhs in the anniversary year
  • 6 complimentary visits each to airport lounges, at both domestic and international terminals per calendar year within India
  • Access to more than 1000 airport lounges across the globe with Priority Pass Membership
  • Low foreign currency markup fee of 2% only
  • Complimentary insurance cover of Rs. 1 crore as air accident death cover, overseas hospitalization cover of Rs. 15 Lakh and credit liability cover of Rs. 9 Lakh

Find detailed information about HDFC Regalia Credit Card

HDFC Bank Credit Card
(4.1/5 ) 29464 Reviews
Write a review
Jun 2, 2021
3/5
Good card with travel benefits

I got a travel-specific HDFC credit card in 2019. Luckily, I got a chance to experience its travel perks in September 2019. A good card with a satisfactory rewards rate. I highly recommend HDFC credit cards for frequent travellers.

Jun 2, 2021
4/5
Good benefits but less rewards

I have been using SBI Credit Card since 2019. I like the shopping and travel benefits a lot, but the rewards rate is unsatisfactory. With a high annual fee, it is expected that the credit card will offer decent rewards. The customer care service is also very good. Overall, it is good.

Jun 2, 2021
5/5
Exciting perks and benefits

One thing is for sure that Paisabazaar has quality and professional customer service executives. It was really easy to get a credit card. From helping to choose the ideal card and till the final step it was overall great customer experience. The card has been the best thing for me so far.

May 25, 2021
5/5
HDFC Moneyback Credit Card

This was my first credit card and I still have it with me because of a simple rewards program and low fee. I have been able to earn good rewards with this card. Would totally recommend this for beginners.

Mar 9, 2020
5/5
EXCELLENT

Membership rewards card is the best card compared to any card of any other bank. I mean which bank gives you 1000 points by just making 4 transactions in 1 calender month ...? none amex roxx and the cx care is next level no other bank is even 10% of amex cx care ......without thinking twice just go for it

Jan 13, 2020
2/5
Very Basic Card

No extra rewards or benefits. Only basic features. Could have been better.

View All Reviews
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