Expert Selection 2026
Best Credit Cards for International Credit Cards
Credit cards with low or zero forex markup fees, global acceptance, and travel insurance — ideal for frequent international travellers and expats.
Recommended Cards (16)
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Top Choice
ICICI BANK LTD
Emeralde Private Metal Card
Excellent
Expert Score5.0
Joining Fee
₹15,000
Annual Fee
₹15,000
- Taj Epicure & EazyDiner Prime exclusive memberships
- Unlimited airport lounge visits worldwide
- ₹3,000 EaseMyTrip vouchers upon reaching annual spending milestones of ₹4 lakh and ₹8 lakh
YES BANK LTD
YES Private Credit Card
Excellent
Expert Score5.0
Joining Fee
₹50,000
Annual Fee
₹10,000
- Unlimited airport lounge access with 12 guest visits annually
- Low forex markup of just 0.5%
- Up to 2.5 lakh Reward points & ₹9,000 Oberoi voucher on joining
STANDARD CHARTERED BANK LTD
Standard Chartered Ultimate Credit Card
Excellent
Expert Score5.0
Joining Fee
₹5,000
Annual Fee
₹5,000
- 5 reward points on every ₹150 spent with 1:1 redemption ratio (1 reward point = ₹1)
- 5% cashback up to ₹1,000 on duty-free spends
- 6,000 reward points on joining & 5,000 reward points on renewal
IDFC FIRST BANK LTD
IDFC FIRST Wealth Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Premium lifestyle card
- Up to 10X rewards on every spend
- 1.5% forex markup on international transactions
IDFC FIRST BANK LTD
IDFC FIRST Select Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- For evolving lifestyle needs
- 10X rewards on spends ≥ ₹20k monthly
- 8X rewards on purchases < ₹20k monthly
AU SMALL FINANCE BANK LIMITED
Aditya Birla AU Bank Credit Card Pro
Excellent
Expert Score5.0
Joining Fee
₹999
Annual Fee
₹999
- Nxt & Flex: Up to 6 rewards points per Rs. 200; 5% cashback on Ola (max Rs. 100/month)
- Pro: Up to 10 reward points per Rs. 200; 10% cashback on Ola (max Rs. 200/month); 1.99% forex markup
AU SMALL FINANCE BANK LIMITED
ixigo AU Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Travel cobranded card with ixigo
- Zero forex markup on international purchases
- 10% discount on flight bookings (up to Rs. 1,000/month)
AU SMALL FINANCE BANK LIMITED
AU Nomo Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹0
- Secured card against minimum FD of Rs. 10,000
- Slimmer design with no visible card number/CVV
- 1% cashback on all purchases
INDUSIND BANK LTD
IndusInd Bank Pioneer Heritage Credit Card
Excellent
Expert Score5.0
Joining Fee
₹90,000
Annual Fee
₹90,000
- Excellent golf benefits
- NonBOGO movie offers
- Dining vouchers twice a year
INDUSIND BANK LTD
IndusInd Bank Avios Visa Infinite Credit Card
Excellent
Expert Score5.0
Joining Fee
₹40,000
Annual Fee
₹10,000
- 5X Avios on every ₹200 spent at preferred international destinations
- Discounted forex markup of 1.5% on international transactions
- Up to 50,000 bonus Avios milestone benefits annually
INDUSIND BANK LTD
IndusInd Bank PIONEER Private Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹25,000
- 0.7 Reward Points/₹100 on select categories
- Zero Forex fees
- No cash advance charges
HSBC LTD
HSBC Premier MasterCard Credit Card
Excellent
Expert Score5.0
Joining Fee
₹12,000
Annual Fee
₹20,000
- 3% reward rate on all spends,
- unlimited lounge access (domestic/international),
- low forex markup fee (0.99%).
AXIS BANK LTD
Axis Bank Atlas Credit Card
Excellent
Expert Score5.0
Joining Fee
₹5,000
Annual Fee
₹5,000
- 2.5X EDGE Miles on Travel spends.
- 12 international lounge access.
- Travel-focused rewards.
AXIS BANK LTD
Axis Bank Reserve Credit Card
Excellent
Expert Score5.0
Joining Fee
₹50,000
Annual Fee
₹50,000
- 50000 EDGE Reward Points on activation.
- Unlimited lounge visits.
- Low forex mark-up fee.
AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Charge Card
Excellent
Expert Score5.0
Joining Fee
₹60,000
Annual Fee
₹60,000
- Welcome gift of gift vouchers worth ₹ 45,000.
- 1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions).
- Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel.
AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Travel Credit Card
Excellent
Expert Score5.0
Joining Fee
₹3,500
Annual Fee
₹5,000
- Welcome Gift of 10,000 Membership Rewards Points.
- 1 Membership Rewards Points for every ₹ 50 spent.
- Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year.
Frequently Asked Questions
How do I choose the best credit card for International Credit Cards?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for International Credit Cards with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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