10 Best International Credit Cards in India for 2019

10 Best International Credit Cards in India for 2019

The ever rising popularity of Credit Cards can be attributed to the various benefits it offer to the users, such as:

  • Interest-free period up to 50 days
  • Hassle free payments in foreign currency
  • Withdrawing cash in times of emergency
  • Cashless transactions
  • Access to instant credit/loan
  • Consent to purchase on EMIs and many more.

As a result, almost everyone carries one or more cards in their wallet. This is why different types of Credit Cards are offered by banks depending on the particular requirements of the customers. These Credit Cards Offer additional benefits on the specified transactions such as fuel-refilling, movies booking, travel bookings, online shopping, etc.

 

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International Credit Cards

Are you aware of the new foreign currency markup fee, which accounts for 3.5 percent + GST, which ultimately turns out to 4 percent of the total spend? This charge makes a lot of difference while travelling or spending internationally with a regular Credit Card. 

Whether you’re planning for your dream vacation in a foreign country or making international purchases online, the wise decision is to use the right Credit Card for overseas transactions. Thus, International Credit Cards are ideal for customers who travel to foreign countries on a regular basis and do not want to carry foreign exchange along with.

10 Best International Credit Cards in India – Updated list for 2019

To help you choose the right Credit Card for international travel with low foreign currency markup fee, here is a list of 10 best International Credit Cards in India.

1. HDFC Infinia Credit Card

It is one of the premium Credit Cards available in India, so it is not easy to be approved for one. You can avail similar benefits with the HDFC Black Diners Credit Card, but diner cards are not widely accepted globally.

Benefits and Features:

  • Reward rates are 3.3 percent.

Fees and Charges:

  • The Annual Fee is 10,000 + taxes, this could be waived for select profiles.
  • Foreign currency mark-up fee is 2 percent + taxes.

2. YES First Preferred Credit Card

If you already own any Yes Bank Credit Card with a credit limit of more than Rs. 4 Lakhs, then approval for the YES First Preferred Credit Card is very easy through Card-on-Card basis.

Benefits and Features:

  • The lifetime free renewal.
  • Reward rates are 1.3 percent.

Fees and Charges:

  • Foreign currency mark up fee is 2 percent + taxes.

3. HDFC Bank Regalia Credit Card

This can be a great option for International travel and purchases compared to the other Credit Cards which charge 4 percent additional fees.

Benefits and Features:

  • Reward rates are 1.3 percent.

Fees and Charges:

  • This card is also issued lifetime free to select customers.
  • Foreign currency mark up fee is 2 percent + taxes.

4. RBL Bank Icon Credit Card

This Credit Card from RBL comes with a high reward rate on International spend along with many offers and discounts.

Benefits and Features:

  • Reward rates are 5 percent.

Fees and Charges:

  • The annual fee is 5,000 + taxes.
  • Foreign currency mark-up fee is 3.5 percent+taxes.

5. Citibank Premier Miles Credit Card

With complimentary Air Travel offers for over 100 Airlines, Citibank Premier Miles Credit Card is a good option for the frequent travellers.

Benefits and features:

  • Earn Airline miles and use them in subsequent bookings.
  • Redeem Reward Points for Car Rentals and Hotel Stay.
  • Get 10,000 Reward Points by spending 1,000 or more within two months from the date of issue.
  • Access to Airport Lounges all over the country.

Fees and Charges:

  • The annual fee for Citibank Premier Miles Credit Card is 3,000.

6. American Express Platinum Travel Credit Card

This Credit Card allows you to earn miles and additional Reward Points on international spend.

Benefits and Features:

  • Get Indigo Vouchers worth 7,700 on spending Rs. 1.90 Lakh or more per annum. Earn 3 percent cashback on fuel-refilling.
  • Indigo Vouchers worth 11,800 and vouchers worth Rs. 10,000 from Taj Group if yearly spending on the card is Rs. 4 Lakh or more.

Fees and Charges:

  • Joining Fee is 3,500.
  • Annual Fee is 5,000.

7. Axis Bank Miles & More World Credit Card

This Credit Card comes with 3000 bonus miles as a welcome gift on signing-up.

Benefits and Features:

  • In addition, you will receive 3000 Miles each year as the annual bonus. You will get free access to the Mastercard Lounges across country.
  • Get a refund of 2.5 percent surcharge on every Rs. 400 to Rs. 5,000 spent on fuel purchase across all fuel pumps in the country.
  • After every 200 spending, you are rewarded 4 miles.

Fees and Charges:

  • Joining Fee is 3,500.
  • Annual Fee is 3,500.

8. HSBC MakeMyTrip Signature Credit Card

This one is a great option for all shopping and travel enthusiasts. Apart from offering great rewards and discounts, this card also offers free flight tickets upon fulfilling certain conditions.

Benefits and Features:

  • For every 100 transaction you make at makemytrip.com, you will earn 10 reward points.
  • You can enjoy up to 20 percent off on dining at many restaurants in all major cities. Waiver of 2.5 percent surcharge on fuel purchase up to 250 every month, if the transaction range is Rs. 400 to Rs. 4,000.

Fees and Charges:

  • Annual Fee is 500.

9. Yatra SBI Credit Card

 The Yatra SBI Credit Card is one of the most popular SBI Credit Cards in India and offers great deals on travel. Apart from travel, you can avail a wide range of benefits on shopping as well.

Benefits and Features:

  • Upon the payment of joining fee and availing the Credit Card, you will be rewarded 8,250 worth of vouchers, redeemable at Yatra.com.
  • 2 vouchers for domestic travel booking worth 500.
  • Direct access to the top MasterCard Airport Lounges in the country.

Fees and Charges:

  • Joining fee is 499 plus taxes
  • Annual fee is 499 plus taxes

10. Axis Bank Titanium Smart Traveller Credit Card

Axis Bank offers the Titanium Smart Traveller Credit Card with many benefits in the form of rewards to save on your next travel bookings. You can expect many offers/ bonuses like fuel surcharge waiver and prime gifts.

Benefits and Features:

  • Earn 8 points while travelling overseas for every 200 spent.
  • Avail the waiver of 2.5 percent fuel surcharge on all fuel stations across the country.
  • You can get 4 reward points, for every spending of 200 on flight, train and bus bookings.

Fees and Charges:

  • Joining fee is 250.
  • Annual fee is 100. The annual fee can be waived off, provided the previous year transactions are Rs. 50,000 or more.

With so many options to choose from, you must choose the Credit Card that best suits you for your next international travel or online transactions after proper research.

 

Also Read: Which are the Best Airline Credit Cards for 2019 in India

 

To apply online for Best Credit Cards in India,  Secured Loans and Unsecured Loans, visit mymoneymantra, the leading online lending marketplace that offers financial products from 90+ Banks and NBFCs. We have served 4 million+ happy customers since 1989.

Talk to our Loan Specialists toll-free at 18001034004  to know more about our products and offers.

 

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