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Best credit cards in India for heavy travelers
Ranked for a ₹2L/mo profile with 36% travel share and frequent international use. Lounge access, forex markup, milestone vouchers, and transfer-partner value all weigh into the score. Same transparent math as the home-page ranking, a different persona.
78 cards evaluated · Ranking updated monthly · See methodology →
02 TOP 10
Best credit cards for heavy travelers.
Scored against a ₹2L/mo profile with travel share 0.36 and forex weight 0.12. Click any card for the full breakdown.
HDFC BANK HDFC Diners Club Black
DINERS
HDFC · TRAVEL CARD HDFC Diners Club Black
FIRST-YEAR NET VALUE ₹12,000
ANNUAL FEE ₹10,000 Waived
HDFC BANK HDFC Infinia (Metal)
•••• •••• •••• 4256
VALID THRU 12 / 28
VISAHDFC · TRAVEL CARD HDFC Infinia (Metal)
FIRST-YEAR NET VALUE ₹12,500
ANNUAL FEE ₹12,500 Waived
HDFC BANK HDFC Diners Club Black Metal Edition
HDFC · TRAVEL CARD HDFC Diners Club Black Metal Edition
FIRST-YEAR NET VALUE ₹8,000
ANNUAL FEE ₹10,000 Waived
SBI CARD Air India SBI Signature
SBIC · TRAVEL CARD Air India SBI Signature Credit Card
FIRST-YEAR NET VALUE ₹5,000
ANNUAL FEE ₹4,999
ICICI BANK ICICI Emeralde Credit Card (Standard)
•••• •••• •••• 4256
VALID THRU 12 / 28
ICIC · TRAVEL CARD ICICI Emeralde Credit Card (Standard)
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE ₹12,000 Waived
FEDERAL BANK
FEDE · TRAVEL CARD Scapia Federal Bank Credit Card
FIRST-YEAR NET VALUE ₹0
ANNUAL FEE Free
HDFC BANK HDFC Regalia Gold
HDFC · TRAVEL CARD HDFC Regalia Gold Credit Card
FIRST-YEAR NET VALUE ₹2,500
ANNUAL FEE ₹2,500 Waived
BOB FINANCIAL Eterna
BOBF · TRAVEL CARD BOB Financial Eterna Credit Card
FIRST-YEAR NET VALUE ₹15,000
ANNUAL FEE ₹2,499 Waived
AXIS BANK Atlas
AXIS · TRAVEL CARD Axis Bank Atlas Credit Card
FIRST-YEAR NET VALUE ₹2,500
ANNUAL FEE ₹5,000
HDFC BANK Marriott Bonvoy HDFC Bank
MASTERCARD
HDFC · TRAVEL CARD Marriott Bonvoy HDFC Bank Credit Card
FIRST-YEAR NET VALUE ₹8,000
ANNUAL FEE ₹3,000 Waived
HOW WE KEEP THIS CURRENT
Last verified April 2026. Sources: Issuer websites, CardExpert, PaisaBazaar, CardInsider. Next scheduled review: Monthly refresh.