Planning your next international trip? The right credit card can transform a good trip into a seamless, rewarding experience. In 2025, with Indian travellers spending more globally than ever, having the best credit cards in India for international travel is essential for avoiding unnecessary costs, accessing airport lounges, and earning maximum rewards.
At Visa4, we help Indian travellers plan smarter journeys, including ensuring you have the right financial tools to make the most of your overseas trips.
Why Choosing the Right Travel Credit Card Matters
International travel without a suitable credit card can be expensive. Many credit cards charge 2–3.5% foreign transaction fees (forex markup), which can quickly add up. The right card helps you:
Save on forex fees
Access premium airport lounges worldwide
Earn air miles and reward points faster
Enjoy travel insurance for emergencies
Benefit from concierge services and global acceptance
Whether it’s a dream vacation or a business trip, these features enhance your travel experience significantly.
Key Benefits to Look For in International Travel Credit Cards
When evaluating cards, consider:
Zero or low forex markup fees – Avoid 2–3.5% extra on each international purchase.
Global lounge access – Turn stressful airport layovers into comfortable experiences.
Airline loyalty programs – Accelerate reward points and earn air miles faster.
Comprehensive travel insurance – Covers medical emergencies, trip delays, and lost baggage.
Wide international acceptance – Visa, MasterCard, or AmEx networks ensure global usability.
Top 13 Credit Cards in India for International Travel – 2025
Rank | Credit Card | Key Benefits | Joining Fee | Annual Fee |
1 | HDFC Infinia Metal Card | Unlimited lounge access, Club Marriott, 10x SmartBuy rewards | ₹12,500 + GST | ₹12,500 + GST (waived on ₹10L spend) |
2 | ICICI Emeralde Private Metal Card | Taj & EazyDiner benefits, lounge access, air miles | ₹12,499 + GST | ₹12,499 + GST (waived on ₹10L spend) |
3 | HDFC Diners Club Black Metal Card | Top-tier lounge access, SmartBuy rewards, travel insurance | ₹10,000 + GST | ₹10,000 + GST (waived on ₹8L spend) |
4 | Axis Atlas Credit Card | EDGE Miles, milestone bonuses, global lounge visits | ₹5,000 + GST | ₹5,000 + GST |
5 | RBL Bank World Safari Card | 0% forex markup, concierge services | ₹3,000 + GST | ₹3,000 + GST |
6 | Scapia Federal Bank Credit Card | Zero forex markup, no annual fees | No cost | No cost |
7 | YES Bank Visa Infinite Card | Zero forex markup, premium lounge access | ₹9,999 | ₹4,999 |
8 | SBI Elite Global Card | Real-time exchange rates, comprehensive insurance, lounge access | ₹4,999 | ₹4,999 (waived on ₹10L spend) |
9 | IndusInd Avios Visa Infinite | Avios rewards, global travel protection | Contact bank | Contact bank |
10 | HDFC Multicurrency ForexPlus Card | Multi-currency spending, ATM fee waivers | Contact bank | Contact bank |
11 | MakeMyTrip ICICI Credit Card | MMT flight & hotel rewards | Contact bank | Contact bank |
12 | Yatra SBI Credit Card | Savings on Yatra bookings, dining & grocery rewards | Contact bank | Contact bank |
13 | IDFC FIRST Bank World / WOW Credit Card | 0% forex markup, lounge access, travel milestones | Contact bank | Contact bank |
Pro Tips for Choosing the Right Travel Card
Check forex markup fees – Always aim for cards with 0% or very low foreign transaction fees.
Prioritise lounge access – Airport lounges provide comfort, Wi-Fi, and refreshments during long layovers.
Consider travel frequency – Frequent travellers gain maximum benefits from air miles and accelerated rewards.
Value-added services matter – Travel insurance, concierge service, and emergency assistance are important.
Look for fee waivers – Many premium cards waive annual fees based on spending thresholds.
For budget-conscious travellers, Niyo Global Cards (in partnership with SBM Bank) offer 0% forex markup fees without premium annual fees, making them ideal for overseas spending.
Why Indian Travellers Should Consider These Cards
With Indian international travel spending projected to grow by 24.4% year-on-year in 2025 (RBI), using the right credit card can save money, enhance convenience, and provide rewards on every trip.
From premium metal cards with unlimited lounge access to lifetime-free zero-forex cards, there’s an option suitable for every traveller.
Travel Smart with Visa4
Planning an international trip isn’t just about flights and hotels, it’s about being financially prepared. At Visa4, we simplify travel planning by:
Assisting with tourist visa applications for Indian travellers
Providing guidance on credit cards for overseas travel India
Ensuring your international travel documents are handled efficiently
By combining the right travel credit card with a hassle-free visa application, you can enjoy your overseas trips worry-free.
FAQs – Best Credit Cards in India for International Travel
1. Which is the best credit card in India for international travel?
It depends on your travel style, but premium cards like HDFC Infinia Metal, ICICI Emeralde, and HDFC Diners Club Black are ideal for frequent international travellers.
2. Do these cards have foreign transaction fees?
Many top travel cards, like RBL World Safari or Scapia Federal Bank Credit Card, offer 0% forex markup. Always check the terms before applying.
3. Are there travel insurance benefits with these cards?
Yes, most premium cards provide comprehensive travel insurance covering medical emergencies, trip delays, and lost luggage.
4. Can beginners get a travel card without high fees?
Yes, cards like Scapia Federal Bank Credit Card or Niyo Global Cards offer lifetime-free options with zero forex fees.
5. How do I choose the right card for frequent international travel?
Consider forex fees, lounge access, air miles, and insurance. Premium travellers benefit from metal cards, while occasional travellers can choose low-fee alternatives.
