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)
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.
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