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CreditIQ Insight
The best travel cards in India give 4-6x value when you transfer points to airline partners like Singapore KrisFlyer or Vistara. Never redeem points for cashback — you lose 60-70% of their value.
#1
Top pickIndusInd Bank Pinnacle Credit Card
premiumtravellifestyle
Rs.60,000
annual fee
2.5%
Base reward
3.5%
Forex markup
Unlimited
Lounge access
#2
Runner upAxis Bank Reserve Credit Card
premiumtravellifestyle
Rs.50,000
annual fee
3%
Base reward
3.5%
Forex markup
None
Lounge access
#3
#3 pickHDFC Infinia Metal Edition
premiumtravelrewards
Rs.12,500
annual fee
3.3%
Base reward
2%
Forex markup
Unlimited
Lounge access
#4
#4 pickICICI Bank Emeralde Private Metal
premiumtravellifestyle
Rs.12,000
annual fee
3%
Base reward
1.5%
Forex markup
Unlimited
Lounge access
#5
#5 pickHDFC Diners Club Black
premiumtravelrewards
Rs.10,000
annual fee
3.3%
Base reward
2%
Forex markup
Unlimited
Lounge access
#6
#6 pickAxis Bank Vistara Infinite
travelpremium
Rs.10,000
annual fee
2%
Base reward
3.5%
Forex markup
Unlimited
Lounge access
#7
#7 pickIndusInd Bank Celesta Credit Card
premiumtravel
Rs.10,000
annual fee
2%
Base reward
1.8%
Forex markup
2 networks
Lounge access
#8
#8 pickYES Bank Marquee
premiumtravel
Rs.9,999
annual fee
1.65%
Base reward
3.5%
Forex markup
Unlimited
Lounge access
#9
#9 pickSBI Card AURUM
premiumtravellifestyle
Rs.9,999
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#10
#10 pickFederal Bank Celesta Credit Card
premiumtravel
Rs.7,000
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#11
#11 pickAxis Atlas
travelpremium
Rs.5,000
annual fee
2%
Base reward
3.5%
Forex markup
2 networks
Lounge access
#12
#12 pickAmerican Express Platinum Travel
travelpremium
Rs.5,000
annual fee
1%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#13
#13 pickSBI ELITE
premiumtravellifestyle
Rs.4,999
annual fee
0.5%
Base reward
1.99%
Forex markup
2 networks
Lounge access
#14
#14 pickAir India SBI Signature
travelpremium
Rs.4,999
annual fee
1.5%
Base reward
1.99%
Forex markup
1 networks
Lounge access
#15
#15 pickClub Vistara IDFC FIRST Bank
travelpremium
Rs.4,999
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#16
#16 pickICICI Bank Sapphiro Credit Card
premiumtravellifestyle
Rs.3,500
annual fee
2%
Base reward
3.5%
Forex markup
2 networks
Lounge access
#17
#17 pickMarriott Bonvoy HDFC
travellifestyle
Rs.3,000
annual fee
2%
Base reward
3.5%
Forex markup
2 networks
Lounge access
#18
#18 pickRBL Bank World Safari
travelpremium
Rs.3,000
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#19
#19 pickSBI Card PRIME
rewardstravellifestyle
Rs.2,999
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#20
#20 pickClub Vistara SBI Card PRIME
travelpremium
Rs.2,999
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#21
#21 pickAU Bank Vetta Credit Card
rewardstravel
Rs.2,999
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#22
#22 pickHDFC Regalia Gold
premiumtravelrewards
Rs.2,500
annual fee
1.65%
Base reward
2%
Forex markup
2 networks
Lounge access
#23
#23 pickAxis Bank Horizon Credit Card
travel
Rs.2,500
annual fee
1%
Base reward
3.5%
Forex markup
1 networks
Lounge access
#24
#24 pickMakeMyTrip ICICI Bank Signature
travelpremium
Rs.2,500
annual fee
1.5%
Base reward
3.5%
Forex markup
None
Lounge access
#25
#25 pickBank of Baroda Eterna Credit Card
premiumtravelrewards
Rs.2,499
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
#26
#26 pickHDFC Diners Club Miles
travelrewards
Rs.1,000
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#27
#27 pickAxis Magnus for Burgundy
premiumtravelrewards
FREE
annual fee
4.8%
Base reward
2%
Forex markup
Unlimited
Lounge access
#28
#28 pickMakeMyTrip ICICI Bank Platinum
travelcashbackzero-fee
FREE
annual fee
1%
Base reward
3.5%
Forex markup
None
Lounge access
#29
#29 pickHSBC Premier MasterCard
premiumtravelzero-fee
FREE
annual fee
2%
Base reward
3.5%
Forex markup
None
Lounge access
Frequently Asked Questions
Which is the best travel credit card in India in 2026?
HDFC Infinia Metal and Axis Magnus are the top travel credit cards in India for 2026. Both offer unlimited airport lounge access, 1:1 airline mile transfers, and reward rates of 3-5% on travel spends. For frequent international travelers, Amex Platinum Travel is also excellent.
Which credit card is best for international travel in India?
For international travel, HDFC Infinia (2% forex markup), Axis Magnus (2% forex markup), and Scapia (zero forex markup) are the best options. Most Indian credit cards charge 3.5% forex markup which negates all rewards earned abroad.
Do travel credit cards give free airport lounge access in India?
Yes, premium travel cards like HDFC Infinia, Axis Magnus, and SBI Elite offer free airport lounge access via Priority Pass. However, most cards now require minimum quarterly spend (typically Rs.1 lakh) to qualify for lounge access.