Planning a trip abroad? Your credit card can be more than a payment tool; it can be your passport to exclusive travel benefits, lounge access, insurance, and zero forex markup. In this guide, we’ll explore the Top 5 Credit Cards for International Travel that offer the best value, perks, and security while you globe-trot.
Why You Need a Travel-Focused Credit Card
When travelling internationally, regular credit cards may incur high foreign transaction fees and offer limited travel perks. The Top 5 Credit Cards for International Travel not only eliminate these costs but also enhance your overall travel experience with privileges like airport lounge access, concierge services, and travel insurance.
Top 5 Credit Cards for International Travel
| Credit Card Name | Forex Markup Fee | Lounge Access | Travel Insurance | Annual Fee |
| HDFC Infinia Credit Card | Nil | Domestic + Intl | Air accident + Medical | ₹12,500 |
| Axis Bank Reserve | Nil | Unlimited Intl | Comprehensive | ₹50,000 |
| SBI Card ELITE | 1.99% | Complimentary Intl | Travel + baggage loss | ₹4,999 |
| American Express Platinum | 3.5% | Global Lounge Access | Premium Global Cover | ₹60,000 |
| ICICI Emeralde Credit Card | Nil | Domestic + Intl | Lost baggage, delay | ₹12,000 |
Highlights of the Top 5 Credit Cards for International Travel
1. HDFC Infinia Credit Card
This ultra-premium card is tailor-made for travelers. Enjoy zero forex markup, unlimited lounge access, and high reward point value for flights and hotel bookings.
- Unlimited global lounge access via Priority Pass.
- Complimentary travel insurance and concierge services.
- Reward points redeemable at a 1:1 ratio for flights.
2. Axis Bank Reserve
A luxury card designed for elite travelers. Offers concierge services, golf benefits, and comprehensive travel insurance with zero forex markup.
- Unlimited access to international lounges for primary and add-on cardholders.
- Complimentary hotel memberships and health check-ups.
- Top-tier travel insurance coverage.
3. SBI Card ELITE
An affordable yet feature-rich travel card. While it has a nominal forex markup, it includes great travel benefits.
- Six complimentary international lounge visits per year.
- Air accident cover and compensation for lost luggage or passport.
- Rewards on dining, shopping, and international spends.
4. American Express Platinum Card
The ultimate card for frequent flyers who value global exclusivity and premium services.
- Complimentary access to over 1,200 airport lounges globally.
- 24×7 Platinum concierge support.
- Extensive travel insurance coverage, including medical emergencies abroad.
5. ICICI Bank Emeralde Credit Card
Ideal for those who want a balance of luxury and value with nil forex markup on international transactions.
- Unlimited lounge access.
- Travel insurance including trip delays and loss of passport.
- Round-the-clock concierge assistance.
Tips When Using Travel Credit Cards
- Avoid Dynamic Currency Conversion: Always choose to pay in the local currency abroad to avoid hidden fees.
- Enable International Usage: Activate global use from your banking app before departure.
- Track Reward Points: Use apps or portals to monitor and redeem travel rewards smartly.
Conclusion
In conclusion, whether you’re a luxury traveller or a budget backpacker, having one of the Top 5 Credit Cards for International Travel in your wallet can improve your experience and offer peace of mind abroad. Choose the card that aligns best with your travel frequency, lifestyle, and preferred perks and enjoy smoother, smarter journeys.
