Best Travel Credit Cards in India 2026
Accelerated travel earn rates, international lounge access and low forex markup compared on net value. We compared 200 credit cards (including 41 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
Axis Burgundy Private Credit Card
0% forex markup, 1998 lounge visits/yr
Axis Burgundy Private Credit Card
Annual Fee
₹50,000
Headline Rate
7.5 pts/₹100
IndusInd Pioneer Private Credit Card
Annual Fee
₹25,000
Headline Rate
3x on other
Axis Bank Primus Credit Card
Annual Fee
₹3,00,000
Headline Rate
1 pts/₹100
RBL Bank LUMIÈRE Credit Card
Annual Fee
₹50,000
Headline Rate
4x on travel
PNB RuPay Metal LUXURA Credit Card
Annual Fee
₹7,500
Headline Rate
12x on travel
PNB Visa Metal LUXURA Credit Card
Annual Fee
₹1,999
Headline Rate
12x on travel
DBS Vantage Credit Card
Annual Fee
₹20,000
Headline Rate
4x on travel
PNB Premium Metal Credit Card LUXURA (Army Officer)
Annual Fee
₹1,999
Headline Rate
2.67 pts/₹100
IDFC FIRST Private Credit Card
Annual Fee
₹25,000
Headline Rate
3.33x on travel
Kotak Solitaire Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Beyond Credit Card
Annual Fee
₹25,000
Headline Rate
2% cashback
ICICI Emeralde Credit Card
Annual Fee
₹12,000
Headline Rate
4x on travel
Times Black ICICI Bank Credit Card
Annual Fee
₹20,000
Headline Rate
2x on utilities
ICICI Emeralde Private Metal Credit Card
Annual Fee
₹12,499
Headline Rate
3x on groceries
Axis Bank Olympus Credit Card
Annual Fee
₹20,000
Headline Rate
1 pts/₹100
HSBC Premier Credit Card
Annual Fee
₹20,000
Headline Rate
3x on travel
HDFC Diners Club Black Metal Edition Credit Card
Annual Fee
₹10,000
Headline Rate
3.33x on dining
HDFC Infinia Metal Edition Credit Card
Annual Fee
₹12,500
Headline Rate
3.33x on travel
AURUM SBI Card
Annual Fee
₹9,999
Headline Rate
1 pts/₹100
Union NEXTERIA Credit Card
Annual Fee
₹12,499
Headline Rate
4 pts/₹100
American Express Platinum Card
Annual Fee
₹66,000
Headline Rate
7.5x on travel
IndusInd Indulge Credit Card
Annual Fee
₹10,000
Headline Rate
1.5x on other
Axis Bank HORIZON Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
Miles and More Axis Bank Credit Card
Annual Fee
₹3,500
Headline Rate
2x on travel
Axis Bank Reserve Credit Card
Annual Fee
₹50,000
Headline Rate
1 pts/₹100
Emirates Skywards ICICI Bank Emeralde Credit Card
Annual Fee
₹10,000
Headline Rate
2x on travel
HSBC Taj Credit Card
Annual Fee
₹1,10,000
Headline Rate
1.5x on travel
Bandhan Bank Lumina Credit Card
Annual Fee
₹9,999
Headline Rate
8 pts/₹100
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
BOBCARD Eterna
Annual Fee
₹2,499
Headline Rate
15x on online
Indian Navy Varunah Premium BOBCARD
Annual Fee
₹2,499
Headline Rate
15x on travel
Axis Bank Magnus Credit Card
Annual Fee
₹12,500
Headline Rate
30x on travel
BOBCARD Etihad Guest Premium
Annual Fee
Free
Headline Rate
2x on other
IDFC FIRST Mayura Credit Card
Annual Fee
₹5,999
Headline Rate
0.833x on travel
AU Zenith+ Credit Card
Annual Fee
₹4,999
Headline Rate
2x on dining
Federal Scapia Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on travel
DBS Altitude Credit Card
Annual Fee
₹4,999
Headline Rate
5x on travel
IDFC FIRST Diamond Reserve Credit Card
Annual Fee
₹3,000
Headline Rate
6.67x on other
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
KVB Eternis Credit Card
Annual Fee
₹29,999
Headline Rate
6x on travel
YES PRIVATE
Annual Fee
₹10,000
Headline Rate
0 pts/₹100
IDFC FIRST Ashva Credit Card
Annual Fee
₹2,999
Headline Rate
0.833x on travel
RBL Bank World Safari Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
RBL Bank NOVA Credit Card
Annual Fee
₹12,500
Headline Rate
12x on travel
RESERV Credit Card
Annual Fee
₹2,499
Headline Rate
12x on online
World Safari Plus Credit Card
Annual Fee
₹6,000
Headline Rate
2x on travel
Bandhan Bank Flare Credit Card
Annual Fee
₹2,499
Headline Rate
5 pts/₹100
RBL Bank Insignia Preferred Banking Credit Card
Annual Fee
₹7,000
Headline Rate
10x on travel
RBL Bank iGlobe Credit Card
Annual Fee
₹3,000
Headline Rate
10x on travel
IDFC FIRST WOW! Black Credit Card
Annual Fee
₹750
Headline Rate
2.67x on travel
RBL Bank World Safari Lite Credit Card
Annual Fee
₹1,000
Headline Rate
1x on travel
Uni GoldX Credit Card
Annual Fee
Free
Headline Rate
1x on travel
CUB CSK Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
CUB SRH Master World Credit Card
Annual Fee
₹4,000
Headline Rate
2x on travel
BOBCARD Etihad Guest
Annual Fee
Free
Headline Rate
1x on other
Elite+ Credit Card
Annual Fee
₹999
Headline Rate
6x on online
MARQUEE Credit Card
Annual Fee
₹4,999
Headline Rate
0 pts/₹100
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,499
Headline Rate
5% on online
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,499
Headline Rate
1.5% on groceries
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
SBI Card Miles Elite
Annual Fee
₹4,999
Headline Rate
3x on travel
BOBCARD Scapia
Annual Fee
Free
Headline Rate
4x on travel
AU Zenith Credit Card
Annual Fee
₹7,999
Headline Rate
5x on dining
MakeMyTrip ICICI Bank Credit Card
Annual Fee
₹999
Headline Rate
1x on travel
AU Xcite Ace Credit Card
Annual Fee
₹749
Headline Rate
3% on online
HDFC Regalia Gold Credit Card
Annual Fee
₹2,500
Headline Rate
2.5x on online
IDFC FIRST WOW! Credit Card
Annual Fee
Free
Headline Rate
0.5x on travel
HDFC Diners Club Privilege Credit Card
Annual Fee
₹1,000
Headline Rate
10x on dining
SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
Bank of Maharashtra SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
5x on dining
UCO Bank SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
PSB SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
10x on dining
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
ANQ Phi Credit Card
Annual Fee
₹499
Headline Rate
12x on travel
SBI Card MILES PRIME
Annual Fee
₹2,999
Headline Rate
2x on travel
Axis Bank Atlas Credit Card
Annual Fee
₹5,000
Headline Rate
5x on travel
Standard Chartered EaseMyTrip Credit Card
Annual Fee
₹350
Headline Rate
10x on travel
Marriott Bonvoy HDFC Bank Credit Card
Annual Fee
₹3,000
Headline Rate
2.67x on travel
Unity Bank BharatPe Credit Card
Annual Fee
Free
Headline Rate
2% cashback
IndiGo SBI Card ELITE
Annual Fee
₹4,999
Headline Rate
3x on travel
RBL Bank Icon Credit Card
Annual Fee
₹5,000
Headline Rate
20x on travel
IndiGo IDFC FIRST Dual Credit Card
Annual Fee
₹4,999
Headline Rate
3x on travel
J&K Bank Eminent Credit Card
Annual Fee
₹1,500
Headline Rate
3x on travel
Kotak Solitaire Business Credit Card
Annual Fee
Free
Headline Rate
7x on travel
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
Union UNICORN RuPay Credit Card
Annual Fee
₹2,400
Headline Rate
4x on online
Union RuPay Select Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Union Sparsh Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Canara MasterCard World Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
IndusInd Avios Visa Infinite Credit Card
Annual Fee
₹10,000
Headline Rate
3x on travel
Equitas PowerMiles Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
AU Vetta Credit Card
Annual Fee
₹2,999
Headline Rate
4x on other
ICICI Bank Sapphiro Credit Card
Annual Fee
₹3,500
Headline Rate
4x on other
IOB RuPay Select Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Kotak Air+ Credit Card
Annual Fee
₹3,000
Headline Rate
2x on other
Kotak Air+ Prime Credit Card
Annual Fee
₹3,000
Headline Rate
5x on travel
RBL Bank Signature Banking Credit Card
Annual Fee
₹2,500
Headline Rate
1% on travel
IndusInd Pioneer Heritage Credit Card
Annual Fee
₹25,000
Headline Rate
2.5x on travel
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Union DIVAA ICON Credit Card
Annual Fee
₹1,499
Headline Rate
2 pts/₹100
Union JCB Wellness Credit Card
Annual Fee
₹999
Headline Rate
4x on dining
Union JCB Health Credit Card
Annual Fee
₹499
Headline Rate
2 pts/₹100
ixigo AU Credit Card
Annual Fee
Free
Headline Rate
1x on travel
IDBI Bank Euphoria World Credit Card
Annual Fee
₹1,499
Headline Rate
6x on travel
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
0% on utilities
Kotak White Credit Card
Annual Fee
₹3,000
Headline Rate
1 pts/₹100
Federal Bank Visa Celesta Credit Card
Annual Fee
Free
Headline Rate
1x on other
DCB PayLess Select Credit Card
Annual Fee
₹1,000
Headline Rate
1% cashback
PNB-Zaggle Co-Branded Twin Credit Card
Annual Fee
₹499
Headline Rate
3.33 pts/₹100
Air India SBI Signature Card
Annual Fee
₹4,999
Headline Rate
10x on travel
Kotak Zen Signature Credit Card
Annual Fee
₹1,500
Headline Rate
6.67x on online
IOB RuPay Platinum Credit Card
Annual Fee
₹250
Headline Rate
1 pts/₹100
SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
Reliance SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on online
Landmark Rewards SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
TVS Credit RBL Bank Gold Credit Card
Annual Fee
₹1,500
Headline Rate
2 pts/₹100
Bank of Maharashtra SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
10x on dining
UCO Bank SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
PSB SBI Card PRIME
Annual Fee
₹2,999
Headline Rate
2x on utilities
Karnataka Bank Prime SBI Credit Card
Annual Fee
₹2,999
Headline Rate
2x on utilities
IDBI Bank Winnings Credit Card
Annual Fee
₹899
Headline Rate
2 pts/₹100
KrisFlyer SBI Card Apex
Annual Fee
₹9,999
Headline Rate
4x on travel
IndusInd Pioneer Legacy Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Celesta Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
IndusInd Crest Credit Card
Annual Fee
₹10,000
Headline Rate
2.5x on travel
Titan SBI Card
Annual Fee
₹2,999
Headline Rate
7.5x on other
HSBC TravelOne Credit Card
Annual Fee
₹4,999
Headline Rate
4x on travel
BOI RuPay Select Credit Card
Annual Fee
₹800
Headline Rate
2 pts/₹100
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
BOI Celestia Credit Card
Annual Fee
₹11,999
Headline Rate
5x on dining
SBI Card MILES
Annual Fee
₹1,499
Headline Rate
1x on travel
Paytm SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
5% on travel
PhonePe SBI Card SELECT BLACK
Annual Fee
₹1,499
Headline Rate
5x on online
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
RBL Bank Apex Credit Card
Annual Fee
₹1,000
Headline Rate
2% on travel
RBL Bank Aspire Banking Credit Card
Annual Fee
₹1,500
Headline Rate
1% on travel
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
PNB SALARY RuPay Select Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
AU CA Metal Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU CS Credit Card
Annual Fee
Free
Headline Rate
8x on dining
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2.5x on travel
IRCTC SBI Platinum Card
Annual Fee
₹500
Headline Rate
4x on travel
Adani One ICICI Bank Platinum Credit Card
Annual Fee
₹750
Headline Rate
1x on travel
IndusInd Pinnacle Credit Card
Annual Fee
Free
Headline Rate
2.5x on online
MakeMyTrip ICICI Bank Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Doctor's SBI Card
Annual Fee
₹1,499
Headline Rate
5x on travel
Doctor's SBI Card (in association with IMA)
Annual Fee
₹1,499
Headline Rate
5x on travel
BOBCARD Ujjivan SFB Elite Credit Card
Annual Fee
Free
Headline Rate
2.5x on dining
HDFC PIXEL Play Credit Card
Annual Fee
Free
Headline Rate
5% on other
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
PhonePe SBI Card PURPLE
Annual Fee
₹499
Headline Rate
2x on online
Adani One ICICI Bank Signature Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on travel
Emirates Skywards ICICI Bank Sapphiro Credit Card
Annual Fee
₹5,000
Headline Rate
1.5x on other
Axis Bank Freecharge Plus Credit Card
Annual Fee
Free
Headline Rate
1% on other
LIC Axis Bank Signature Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
IDFC FIRST Hello Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
5% on online
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
RBL Bank Paisabazaar Duet Plus Credit Card
Annual Fee
₹1,499
Headline Rate
2.5% on dining
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Air India SBI Platinum Card
Annual Fee
₹1,499
Headline Rate
5x on travel
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee
Free
Headline Rate
0.625x on travel
KVB Honour Credit Card
Annual Fee
₹999
Headline Rate
5.33x on travel
KrisFlyer SBI Card
Annual Fee
₹2,999
Headline Rate
2.5x on travel
IndiGo Kotak Premium Credit Card
Annual Fee
₹3,000
Headline Rate
2x on travel
PNB BLISS Credit Card
Annual Fee
₹510
Headline Rate
1 pts/₹100
PNB SALARY RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Dhanlaxmi Bank Dhan Samriddhi Credit Card
Annual Fee
₹800
Headline Rate
5% on groceries
Platinum Maxima Credit Card
Annual Fee
₹2,000
Headline Rate
10x on dining
Apollo SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on other
Landmark Rewards SBI Card SELECT
Annual Fee
₹1,499
Headline Rate
10x on dining
Axis Bank Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
7% on online
Bandhan Bank Ignite Credit Card
Annual Fee
₹999
Headline Rate
4x on groceries
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Suryoday SFB RuPay Select Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
PNB EMT RuPay Platinum Credit Card
Annual Fee
₹2,000
Headline Rate
1 pts/₹100
IndiGo SBI Card
Annual Fee
₹1,499
Headline Rate
2x on travel
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
Kotak Air Credit Card
Annual Fee
₹999
Headline Rate
3x on travel
IndusInd EazyDiner Signature Credit Card
Annual Fee
₹2,999
Headline Rate
10x on travel
HSBC Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
8x on travel
Kotak Biz Edge Credit Card
Annual Fee
₹999
Headline Rate
5x on utilities
KVB Platinum Credit Card
Annual Fee
₹599
Headline Rate
2.67x on travel
Kotak League Platinum Credit Card
Annual Fee
₹499
Headline Rate
5.33x on travel
IRCTC HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on travel
Landmark Rewards SBI Card
Annual Fee
₹499
Headline Rate
5x on dining
AU Ananta Credit Card
Annual Fee
₹2,000
Headline Rate
5x on other
IRCTC SBI Card Premier
Annual Fee
₹1,499
Headline Rate
0.8x on travel
LIC Axis Bank Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
Axis Bank Titanium Smart Traveller Credit Card
Annual Fee
₹100
Headline Rate
2x on travel
IDFC FIRST Millennia Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST Classic Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IndiGo Axis Bank Credit Card
Annual Fee
₹799
Headline Rate
1x on travel
IndiGo Axis Bank Premium Credit Card
Annual Fee
₹5,000
Headline Rate
3x on travel
HSBC RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on travel
YES Bank novio RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on travel
IndiGo Kotak Credit Card
Annual Fee
₹1,500
Headline Rate
1x on travel
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