International Travel Credit Cards

• No Joining Fee 

Benefits and Features of Scapia Federal Bank Credit Card: 

The following are the key benefits:  

• You will receive 10% Scapia Coin reward for every eligible online & offline spend using the Scapia Federal Bank Credit Card 

• Travel bookings made using the Scapia mobile application will receive 20% Scapia Coin reward. 

• Scapia Coins can be redeemed for flight and hotel bookings using the Scapia application immediately upon earning. 

• The card has zero foreign exchange markup, which means that international purchases will have a lower cost than with other cards. 

• There is no joining fee or annual maintenance fee associated with the card. 

• You will have access to live 24/7 customer service via the Scapia platform. 

• You can make payments for your card directly through the Scapia application. 

• The Scapia travel platform has a large inventory of global flights and hotel stays available to cardholders. 

• Cardholders obtain complimentary domestic airport lounge access when they earn a minimum of Rs.5,000 in spend on the card in the previous month. 

RBL Banks World Safari Credit Card

The RBL Bank World Safari Credit Card is designed for individuals who frequently travel overseas and want to minimize additional costs on international transactions. One of its standout features is the zero forex markup, which helps cardholders avoid the typical extra charges that most credit cards levy on foreign currency spends. In addition to this, the card offers a range of travel and lifestyle benefits, including airport lounge access, insurance coverage, and concierge assistance, making it a well-rounded option for regular travellers. 

Annual fee and joining fee: Rs. 3000 plus GST 

Features and Benefits of RBL Bank World Safari Credit Card: 

Below are the key features and benefits of the RBL Bank World Safari Credit Card: 

• No forex markup is charged on international transactions, allowing cardholders to save significantly on overseas spending compared to most other credit cards  

• Complimentary access to airport lounges within India as well as internationally, along with Priority Pass membership for a more comfortable travel experience  

• A welcome benefit of a MakeMyTrip voucher worth Rs. 3,000 is provided upon card activation and meeting the required conditions  

• On achieving annual spends of Rs. 7.5 lakh, cardholders can avail a gift voucher worth Rs. 10,000 from popular brands such as Amazon, Taj Experiences, Myntra, and MakeMyTrip  

• On annual spending of Rs. 5 lakh, customers are rewarded with 15,000 reward points  

• On annual spending of Rs. 2.5 lakh, customers receive 10,000 reward points as a milestone benefit  

• Earn 5 reward points for every Rs. 100 spent on travel-related categories such as flight and hotel bookings  

• Earn 2 reward points for every Rs. 100 spent on other eligible domestic purchases  

• The card also provides travel insurance coverage along with access to 24x7 concierge services for assistance with bookings and reservations  

• A fuel surcharge waiver of up to Rs. 250 per month is available on eligible fuel transactions  

• Reward points are not applicable on certain categories including fuel, utilities, insurance payments, and rent transactions 

IDFC Wow Credit Card

The IDFC FIRST WOW Credit Card is a suitable option for beginners, students, or individuals looking to build their credit profile without submitting income proof, as it is backed by a fixed deposit. One of its standout features is the zero forex markup, which allows cardholders to make international transactions without incurring additional currency conversion charges. Along with this, the card provides reward points on spends, short-term interest-free cash withdrawal benefits, and the advantage of earning interest on the linked fixed deposit. 

Annual fee and joining fee: Rs. 0 (Lifetime free) 

Features and Benefits of IDFC FIRST WOW Credit Card: 

The following are the key benefits and features of IDFC FIRST WOW Credit Card: 

• Zero forex markup on all international transactions, helping reduce overall costs on foreign spends  

• No joining fee and no annual fee, making it a lifetime free credit card with no ongoing charges  

• Earn up to 4X reward points on eligible spends, including travel and other categories  

• Reward points are applicable on both domestic and international transactions  

• Interest-free cash withdrawal facility for up to 45 days, providing flexibility during emergencies  

• The credit limit is backed by a fixed deposit starting from Rs. 20,000, making it accessible even without a credit history or stable income  

• Cardholders continue to earn interest on their fixed deposit while using the credit card  

• Instant issuance with minimal documentation, suitable for first-time users  

• Global acceptance across merchants due to VISA network support  

• Option to enable UPI payments through the credit card for convenient digital transactions (may involve a nominal fee)  

• This is a secured credit card, so opening a fixed deposit is mandatory  

• Complimentary airport lounge access is not available on this card 

HDFC Bank Regalia Credit Card

The HDFC Regalia Credit Card is a premium lifestyle and travel-focused credit card designed for individuals who prefer enhanced travel privileges, reward earnings, and luxury benefits. It is especially useful for frequent travellers, as it offers complimentary airport lounge access, travel insurance coverage, reward points on spends, and concierge services, making it a well-rounded premium card for everyday and travel use. 

Annual fee and joining fee: Rs. 2500 plus GST (renewal fee waiver available on eligible annual spends) 

Features and Benefits of HDFC Regalia Credit Card: 

The following are the key benefits and features of HDFC Regalia Credit Card: 

• Complimentary airport lounge access within India, along with international lounge access through Priority Pass membership (subject to usage conditions)  

• Up to 2 complimentary domestic lounge visits per quarter on achieving required spending criteria  

• International lounge access benefits through Priority Pass with limited free visits per year  

• Earn 4 reward points for every Rs. 150 spent on eligible retail transactions  

• Accelerated reward points on travel bookings such as flights, hotels, and vouchers via partner platforms  

• Welcome benefit of 2,500 reward points on payment of joining fee  

• Annual renewal benefit of 2,500 reward points (subject to fee payment)  

• Milestone rewards such as bonus reward points on achieving annual spends of Rs. 5 lakh and Rs. 8 lakh  

• Comprehensive travel protection including air accident cover, overseas medical assistance, and credit liability cover  

• Travel concierge services available 24x7 for assistance with bookings, reservations, and travel planning  

• Interest-free credit period of up to 50 days on purchases (subject to billing cycle)  

• Option to convert high-value transactions into EMIs after purchase  

• Fuel surcharge waiver and contactless payment facility for faster transactions  

• Reward points can be redeemed for travel bookings, vouchers, cashback, and air miles through the bank’s redemption platform  

• Foreign currency markup fee is applicable on international spends (around 3.5%)  

• Reward points are capped or excluded on certain categories like rent payments, government transactions, and some utility spends  

• Complimentary lounge access is subject to quarterly spending conditions

HDFC Bank Infinia Credit Card

The HDFC Infinia Credit Card is an ultra-premium invitation-only credit card designed for high-net-worth individuals who prefer luxury travel, elevated rewards, and exclusive lifestyle privileges. It is best suited for frequent travellers and high spenders, as it offers unlimited airport lounge access, high reward earnings, premium hotel and dining benefits, and dedicated concierge services, making it one of the most exclusive cards in India. 

Annual fee and joining fee: Rs. 12500 plus GST (fee waiver available on eligible annual spends) 

Features and Benefits of HDFC Infinia Credit Card: 

The following are the key benefits and features of the HDFC Infinia Credit Card: 

• Unlimited complimentary airport lounge access across India and internationally for both primary and add-on cardholders  

• Complimentary Priority Pass membership for global lounge access across 1,000+ international airport lounges  

• Earn 5 reward points for every Rs. 150 spent on eligible retail transactions, including categories like utilities, insurance, and education  

• Accelerated reward earnings of up to 10X points on travel and shopping spends through SmartBuy platform  

• Welcome benefit of 12,500 reward points on payment of joining fee and card activation 

• Renewal benefit of 12,500 reward points every year upon fee payment and card renewal  

• Complimentary Club Marriott membership for the first year with dining and hotel discounts across Asia-Pacific  

• Exclusive hotel offer: stay 3 nights and pay for 2 at participating luxury ITC hotels  

• Complimentary dining privileges such as buffet offers and discounts at premium hotel restaurants  

• Comprehensive travel protection including air accident cover up to Rs. 3 crore, overseas medical emergency cover up to Rs. 50 lakh, and credit shield protection  

• 24x7 global concierge services for travel bookings, dining reservations, event access, and personalized assistance  

• Unlimited complimentary golf lessons and green fee waivers at select courses in India and abroad  

• Fuel surcharge waiver on eligible transactions across fuel stations in India  

• Interest-free credit period of up to 50 days on retail purchases  

• Option to convert large purchases into easy EMIs after purchase  

• This is an invite-only premium credit card, not available for direct application  

• Foreign currency markup fee of around 2% is applicable on international transactions  

• Reward points may have exclusions for certain categories and SmartBuy conditions apply for accelerated rewards  

• Fee waiver is typically linked to high annual spending criteria as per bank policy 

SBI Card Elite

The AU Bank Zenith+ Credit Card is a premium metal credit card designed for individuals who prefer elevated lifestyle benefits along with strong travel privileges. It is particularly useful for frequent travellers and high spenders, as it offers low foreign currency markup, complimentary airport lounge access, milestone rewards, and premium lifestyle experiences, making it a well-balanced premium card in its segment. 

Annual fee and joining fee: Rs. 4999 plus GST (annual fee waiver available on spending conditions) 

Features and Benefits of AU Bank Zenith+ Credit Card: 

The following are the key benefits and features of the AU Bank Zenith+ Credit Card: 

• Low foreign currency markup fee of around 0.99% on international transactions, helping reduce costs on overseas spending  

• Complimentary domestic and international airport lounge access with multiple visits per quarter for added travel comfort  

• Airport meet and assist services available on select international travel bookings for a smoother airport experience  

• Welcome benefit of Rs. 5000 worth of brand vouchers or equivalent reward points on card activation  

• Earn 2 reward points for every Rs. 100 spent on dining, travel, and international transactions  

• Earn 1 reward point for every Rs. 100 spent on other eligible retail transactions  

• Monthly milestone benefit of 1000 reward points on achieving Rs. 75,000 retail spend per statement cycle  

• Complimentary movie and entertainment benefits including Buy One Get One ticket offers on select platforms  

• Complimentary golf access including a limited number of rounds or lessons annually  

• Travel privileges such as curated hotel offers, premium stay discounts, and lifestyle partnerships  

• Comprehensive insurance coverage including air accident insurance up to Rs. 2 crore  

• Fuel surcharge waiver of 1% on eligible fuel transactions with monthly caps  

• 24x7 concierge services for travel bookings, dining reservations, and lifestyle assistance  

• Option to convert eligible transactions into easy EMIs after purchase  

• Foreign currency markup fee is still applicable (low but not zero)  

• Lounge access and meet-and-assist benefits are subject to quarterly usage limits  

• Reward points are not applicable on categories like fuel, cash withdrawals, and EMI transactions  

• Annual fee waiver is typically linked to achieving high annual spending thresholds (around Rs. 8 lakh) 

AU Bank Zenith+ Credit Card

The AU Bank Zenith+ Credit Card is a premium metal credit card designed for individuals who prefer elevated lifestyle benefits along with strong travel privileges. It is particularly useful for frequent travellers and high spenders, as it offers low foreign currency markup, complimentary airport lounge access, milestone rewards, and premium lifestyle experiences, making it a well-balanced premium card in its segment. 

Annual fee and joining fee: Rs. 4999 plus GST (annual fee waiver available on spending conditions) 

Features and Benefits of AU Bank Zenith+ Credit Card: 

The following are the key benefits and features of the AU Bank Zenith+ Credit Card: 

• Low foreign currency markup fee of around 0.99% on international transactions, helping reduce costs on overseas spending  

• Complimentary domestic and international airport lounge access with multiple visits per quarter for added travel comfort  

• Airport meet and assist services available on select international travel bookings for a smoother airport experience  

• Welcome benefit of Rs. 5000 worth of brand vouchers or equivalent reward points on card activation  

• Earn 2 reward points for every Rs. 100 spent on dining, travel, and international transactions  

• Earn 1 reward point for every Rs. 100 spent on other eligible retail transactions  

• Monthly milestone benefit of 1000 reward points on achieving Rs. 75,000 retail spend per statement cycle  

• Complimentary movie and entertainment benefits including Buy One Get One ticket offers on select platforms  

• Complimentary golf access including a limited number of rounds or lessons annually  

• Travel privileges such as curated hotel offers, premium stay discounts, and lifestyle partnerships  

• Comprehensive insurance coverage including air accident insurance up to Rs. 2 crore  

• Fuel surcharge waiver of 1% on eligible fuel transactions with monthly caps  

• 24x7 concierge services for travel bookings, dining reservations, and lifestyle assistance  

• Option to convert eligible transactions into easy EMIs after purchase  

• Foreign currency markup fee is still applicable (low but not zero)  

• Lounge access and meet-and-assist benefits are subject to quarterly usage limits  

• Reward points are not applicable on categories like fuel, cash withdrawals, and EMI transactions  

• Annual fee waiver is typically linked to achieving high annual spending thresholds (around Rs. 8 lakh) 

Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card is a premium lifestyle and travel-focused credit card designed for high-income individuals who prefer luxury travel experiences, strong reward earnings, and exclusive privileges. It is particularly suitable for frequent travellers, as it offers unlimited airport lounge access, high reward potential, concierge services, and premium hotel and dining benefits, making it one of the flagship cards in the premium segment. 

Annual fee and joining fee: Rs. 12500 plus GST (fee waiver available on eligible annual spends) 

Features and Benefits of Axis Bank Magnus Credit Card: 

The following are the key benefits and features of Axis Bank Magnus Credit Card: 

• Complimentary unlimited domestic airport lounge access at select lounges across India (subject to spend conditions in recent policy updates)  

• Complimentary unlimited international lounge access via Priority Pass membership, along with guest visits per year  

• Welcome benefit of vouchers worth Rs. 12500 from premium brands such as hotel stays, travel portals, or lifestyle partners on card activation  

• Earn accelerated EDGE reward points on eligible spends, with higher reward rates on premium categories and travel bookings  

• Reward structure offering higher points on travel-related spends through Axis Bank travel platforms  

• Complimentary airport concierge services for assistance with travel, check-in, and baggage handling  

• Dining privileges including discounts of up to 30% at select premium restaurants across India  

• Insurance coverage including purchase protection, lost card liability, and travel-related protection benefits  

• Fuel surcharge waiver on eligible transactions within specified spending limits  

• Reduced foreign currency markup fee of around 2% on international transactions  

• Interest-free credit period of up to 50 days depending on billing cycle  

• Option to convert high-value purchases into EMIs after transaction  

• Annual fee waiver is typically available on high annual spending (around Rs. 25 lakh in the previous year)  

• Domestic lounge access is now subject to minimum quarterly spending requirements as per updated policy  

• Reward points are not applicable on select categories such as fuel, rent, utilities, and government-related transactions  

• International lounge guest visits are limited per year under Priority Pass rules 

How to Select the Right International Travel Credit Card?

Most credit cards allow international purchases, but certain cards are specifically designed to offer extra savings and benefits for overseas transactions. When choosing the best international credit card, it’s important to consider the following key factors:

• The card should be accepted at a variety of international online and offline outlets.
• In comparison to regular credit cards, you might want to apply for a credit card with no or low forex markup fees.
• It is a good idea to select a credit card that provides discounts on flight and hotel bookings if you are a frequent traveller.
• Choose a credit card that provides access to international lounges in numerous countries.

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