Best travel credit cards
Airline miles, lounge access, no FX markup.
🇮🇳 India
At a glance
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| Axis Reserve Axis Bank | ₹50,000 | ₹25,00,000 / yr | 0% | ₹50,00,000 / yr | visa | not yet verified |
| IndusInd Pinnacle IndusInd Bank | ₹12,999 | ₹10,00,000 / yr | 1.8% | ₹25,00,000 / yr | visa | not yet verified |
| HDFC Infinia (Metal) HDFC Bank | ₹12,500 | ₹10,00,000 / yr | 2% | ₹40,00,000 / yr | visa | not yet verified |
| Axis Magnus Axis Bank | ₹12,500 | ₹25,00,000 / yr | 2% | ₹18,00,000 / yr | mastercard | not yet verified |
| ICICI Emeralde Private Metal ICICI Bank | ₹12,499 | ₹10,00,000 / yr | 2% | ₹50,00,000 / yr | mastercard | not yet verified |
| HDFC Diners Club Black HDFC Bank | ₹10,000 | ₹5,00,000 / yr | not confirmed | ₹17,50,000 / yr | diners | not yet verified |
| AU Bank Zenith AU Small Finance Bank | ₹7,500 | ₹8,00,000 / yr | 3.5% | ₹12,00,000 / yr | visa | not yet verified |
| Axis Atlas Axis Bank | ₹5,000 | not confirmed | 3.5% | ₹10,00,000 / yr | visa | not yet verified |
| Standard Chartered Ultimate Standard Chartered | ₹5,000 | ₹15,00,000 / yr | 3.5% | ₹15,00,000 / yr | visa | not yet verified |
| SBI ELITE SBI Card | ₹4,999 | ₹10,00,000 / yr | not confirmed | ₹6,00,000 / yr | mastercard | not yet verified |
| Yes Bank Marquee Yes Bank | ₹4,999 | ₹10,00,000 / yr | 1% | ₹36,00,000 / yr | visa | not yet verified |
| ICICI Sapphiro ICICI Bank | ₹3,500 | ₹6,00,000 / yr | 3.5% | ₹10,00,000 / yr | visa | not yet verified |
| RBL World Safari RBL Bank | ₹3,000 | ₹5,00,000 / yr | 0% | ₹12,00,000 / yr | mastercard | not yet verified |
| HDFC Marriott Bonvoy HDFC Bank | ₹3,000 | ₹8,00,000 / yr | not confirmed | ₹15,00,000 / yr | diners | not yet verified |
| HDFC Regalia Gold HDFC Bank | ₹2,500 | ₹4,00,000 / yr | 2% | ₹12,00,000 / yr | visa | not yet verified |
| ICICI MMT Signature ICICI Bank | ₹2,500 | ₹6,00,000 / yr | 2.5% | ₹8,00,000 / yr | mastercard | not yet verified |
| IRCTC SBI Premier SBI Card | ₹1,499 | ₹2,00,000 / yr | 3.5% | ₹3,60,000 / yr | rupay | not yet verified |
| IndusInd Tiger IndusInd Bank | None | - | 1.8% | ₹35,00,000 / yr | visa | not yet verified |
| IDFC FIRST Select IDFC FIRST Bank | None | - | 0% | ₹12,00,000 / yr | visa | not yet verified |
| Axis Burgundy Private Axis Bank | None | - | 0% | ₹1,00,00,000 / yr | visa | not yet verified |
| HSBC Premier HSBC | None | - | not confirmed | ₹40,00,000 / yr | mastercard | not yet verified |

HDFC Diners Club Black
HDFC Bank
Frequent travelers spending ₹2L+/month

HDFC Regalia Gold
HDFC Bank
Mid-tier travel + dining without the Diners Black price tag

HDFC Infinia (Metal)
HDFC Bank
Top-tier travelers, invitation-only, the apex of HDFC reward redemption.

ICICI Emeralde Private Metal
ICICI Bank
High-net-worth families wanting universal 6 ICICI points/₹100.

Axis Atlas
Axis Bank
Travel-heavy spenders who transfer points to airline and hotel partners.
RBL World Safari
RBL Bank
International travelers, best forex markup + lounge access combo.
IRCTC SBI Premier
SBI Card
Frequent rail travelers, 10% IRCTC train ticket value back.

HDFC Marriott Bonvoy
HDFC Bank
Marriott loyalists, every ₹150 = 8 Bonvoy points on Marriott + 2 elsewhere.

Axis Vistara Signature
Axis Bank
Domestic flyers (Vistara was acquired by Air India, points convert).
IndusInd Tiger
IndusInd Bank
Wildlife conservation enthusiasts, supports Bandipur Tiger Reserve.

Axis Magnus
Axis Bank
High-spenders post-2024 devaluation, still solid for ₹2L+/month travel.

IDFC FIRST Select
IDFC FIRST Bank
Lifetime-free with surprisingly strong reward earn rates.
AU Bank Zenith
AU Small Finance Bank
Underrated mid-premium, punches above its fee tier.
HDFC Regalia
HDFC Bank
Mid-tier travel without the Regalia Gold price tag.

ICICI Sapphiro
ICICI Bank
Mid-premium with strong dining + travel mix.

ICICI MMT Signature
ICICI Bank
MakeMyTrip loyalists, co-branded with strong travel benefits.

SBI ELITE
SBI Card
Mid-premium SBI card with strong club benefits.
SBI Air India Signature
SBI Card
Existing holders only: closed to new applicants since October 2024.

Axis Reserve
Axis Bank
Invitation-only super-premium, for ₹25L+/year spenders.
Axis Burgundy Private
Axis Bank
Private-banking-tied super-premium, fee waived with banking AUM.
IndusInd Pinnacle
IndusInd Bank
High-end IndusInd offering, niche but well-regarded.
Yes Bank Marquee
Yes Bank
High spenders who travel abroad: a 1% forex markup and unlimited international lounge access.
Standard Chartered Ultimate
Standard Chartered
Best general earn-rate at the ₹5K fee tier.
HSBC Premier
HSBC
HSBC Premier banking clients, no annual fee with relationship.
🇺🇸 United States
At a glance
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| American Express Platinum American Express | $895 | not confirmed | 0% | None stated | amex | not yet verified |
| Chase Sapphire Reserve Chase | $795 | not confirmed | 0% | None stated | visa | not yet verified |
| Amex Business Platinum American Express | $695 | not confirmed | 0% | None stated | amex | not yet verified |
| Marriott Bonvoy Brilliant American Express | $650 | not confirmed | 0% | None stated | amex | not yet verified |
| Amex Delta SkyMiles Reserve American Express | $650 | not confirmed | 0% | not confirmed | amex | not yet verified |
| Amex Hilton Honors Aspire American Express | $550 | not confirmed | 0% | not confirmed | amex | not yet verified |
| Capital One Venture X Capital One | $395 | not confirmed | 0% | None stated | visa | not yet verified |
| Amex Delta SkyMiles Platinum American Express | $350 | not confirmed | 0% | not confirmed | amex | not yet verified |
| Amex Marriott Bonvoy Bevy American Express | $250 | not confirmed | 0% | not confirmed | amex | not yet verified |
| Amex Delta SkyMiles Gold American Express | $150 | not confirmed | 0% | None stated | amex | not yet verified |
| Amex Hilton Honors Surpass American Express | $150 | not confirmed | 0% | not confirmed | amex | not yet verified |
| Chase United Explorer Chase | $150 | not confirmed | 0% | None stated | visa | not yet verified |
| Citi AAdvantage Platinum Select Citi | $99 | not confirmed | 0% | None stated | mastercard | not yet verified |
| Chase Sapphire Preferred Chase | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Capital One Venture Capital One | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Chase Ink Business Preferred Chase | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Chase Marriott Bonvoy Boundless Chase | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Citi Strata Premier Citi | $95 | not confirmed | 0% | None stated | mastercard | not yet verified |
| Bank of America Premium Rewards Bank of America | $95 | not confirmed | 0% | None stated | visa | not yet verified |
| Bank of America Travel Rewards Bank of America | None | - | 0% | None stated | visa | not yet verified |
| Wells Fargo Autograph Wells Fargo | None | - | 0% | None stated | visa | not yet verified |
| Amex Hilton Honors American Express | None | - | 0% | None stated | amex | not yet verified |
| Discover It Miles Discover | None | - | 0% | None stated | discover | not yet verified |
| US Bank Altitude Connect US Bank | None | - | 0% | None stated | visa | not yet verified |

Chase Sapphire Preferred
Chase
First-time travel-rewards card, sweet-spot earn rates

Capital One Venture
Capital One
Simple travel earn, 2x on every dollar, no categories to track

Bank of America Travel Rewards
Bank of America
No-fee travel, 1.5x flat with no FX markup, plus Preferred Rewards bumps

American Express Platinum
American Express
Heavy travelers wanting Centurion Lounge access + status credits.

Chase Sapphire Reserve
Chase
Annual travelers, the upgrade path from Sapphire Preferred.

Chase Ink Business Preferred
Chase
US-incorporated startups, best welcome bonus in the business-card space.
Amex Business Platinum
American Express
US-incorporated startups with $50K+/year corporate spend.
Wells Fargo Autograph
Wells Fargo
No-fee 3x on six categories, broader than most no-fee competitors.
US Bank Altitude Reserve
US Bank
Mobile-pay maximizers, 3x on Apple/Google/Samsung Pay transactions.

Marriott Bonvoy Brilliant
American Express
Frequent Marriott guests, Platinum status from spend, free annual night.

Amex Hilton Honors
American Express
No-fee Hilton card, solid for occasional Hilton stays.

Amex Delta SkyMiles Gold
American Express
Delta loyalists, free first checked bag pays for the fee with one round trip.

Amex Delta SkyMiles Platinum
American Express
Regular Delta flyers who also book hotels directly.

Amex Delta SkyMiles Reserve
American Express
Delta loyalists who will use the lounge and status perks.

Amex Hilton Honors Surpass
American Express
Hilton guests who want Gold status and strong everyday earn.

Amex Hilton Honors Aspire
American Express
Frequent Hilton guests who want top-tier Diamond status.

Amex Marriott Bonvoy Bevy
American Express
Marriott guests who spend on dining and groceries.

Chase Marriott Bonvoy Boundless
Chase
Free annual night ($85K Bonvoy) covers the $95 fee easily.

Chase United Explorer
Chase
United loyalists, free checked bag + lounge passes.

Capital One Venture X
Capital One
Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles.

Citi Strata Premier
Citi
Mid-tier travel card; 10x is Citi Travel portal-only, 3x on everyday travel and dining.
Citi AAdvantage Platinum Select
Citi
American Airlines loyalists, free checked bag + boarding.

Discover It Miles
Discover
No-fee flat travel earn, first-year doubled effectively makes it 3x.

Bank of America Premium Rewards
Bank of America
BoA Preferred Rewards clients, up to 2.625x with $100K relationship.

US Bank Altitude Connect
US Bank
No-fee 4x travel, rare combination of no fee + premium earn rate.
🇪🇺 Europe
At a glance
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| American Express Platinum (UK) American Express | £650 | not confirmed | not confirmed | £35,000 / yr | amex | not yet verified |
| British Airways American Express Premium Plus American Express | £300 | not confirmed | not confirmed | £35,000 / yr | amex | not yet verified |
| HSBC Premier World Elite Mastercard HSBC UK | £290 | not confirmed | 2.99% | not confirmed | mastercard | not yet verified |
| Barclaycard Avios Plus Barclaycard | £240 | not confirmed | not confirmed | not confirmed | not confirmed | not yet verified |
| American Express Gold Card (Germany) American Express | €240 | not confirmed | 2% | not confirmed | amex | not yet verified |
| American Express Preferred Rewards Gold American Express | £195 | not confirmed | not confirmed | £20,000 / yr | amex | not yet verified |
| Marriott Bonvoy American Express (UK) American Express | £95 | not confirmed | not confirmed | not confirmed | amex | not yet verified |
| British Airways American Express Credit Card American Express | None | - | not confirmed | £15,000 / yr | amex | not yet verified |
| American Express Rewards Credit Card American Express | None | - | not confirmed | £15,000 / yr | amex | not yet verified |
| Barclaycard Rewards Barclaycard | None | - | 0% | not confirmed | visa | not yet verified |
| Barclaycard Avios Barclaycard | None | - | not confirmed | not confirmed | not confirmed | not yet verified |
| Hanseatic Bank GenialCard Hanseatic Bank | None | - | 0% | not confirmed | visa | not yet verified |

American Express Preferred Rewards Gold
American Express
UK spenders who want Membership Rewards points with a free first year.

American Express Platinum (UK)
American Express
Frequent flyers in the UK who will use the lounges and dining credits.

British Airways American Express Credit Card
American Express
Collecting Avios on everyday spend with no annual fee.

British Airways American Express Premium Plus
American Express
Heavy British Airways flyers chasing Avios and tier points.

American Express Rewards Credit Card
American Express
A free way into Membership Rewards points in the UK.

Marriott Bonvoy American Express (UK)
American Express
Marriott regulars in the UK who want a free night each year.
Barclaycard Rewards
Barclaycard
Spending abroad from the UK with no foreign transaction fees.
Barclaycard Avios
Barclaycard
Avios on everyday spend with no monthly fee.
Barclaycard Avios Plus
Barclaycard
Higher Avios earn for people who spend £10,000 or more a year.
HSBC Premier World Elite Mastercard
HSBC UK
HSBC Premier customers who want unlimited lounge access.

American Express Gold Card (Germany)
American Express
Travellers in Germany who want Membership Rewards and travel insurance.
Hanseatic Bank GenialCard
Hanseatic Bank
Paying abroad from Germany with no annual fee and no foreign currency fee.
Best travel credit cards, common questions
Every figure below is read from our card catalog at build time, so it cannot drift from the card pages.
How many travel credit cards are compared here?
61 travel cards, 24 from India and 25 from the US and 12 from Europe. Cards from each market are listed separately because their fees, income rules and reward currencies do not compare directly.
Which travel credit cards have no annual fee?
14 of the 61 travel cards listed here carry no annual fee: American Express Rewards Credit Card, Amex Hilton Honors, Axis Burgundy Private and Bank of America Travel Rewards, and 10 more. A zero annual fee does not mean zero cost; check the joining fee and the foreign transaction markup on each card page before you apply.
How much do these travel cards cost per year?
Annual fees across the 61 travel cards on this page run ₹0 to ₹50,000 (highest: Axis Reserve); and $0 to $895 (highest: American Express Platinum); and £0 to £650 (highest: American Express Platinum (UK)); and €0 to €240 (highest: American Express Gold Card (Germany)). Fee waivers on annual spend are common in India and rare in the US, so read the waiver threshold rather than the headline fee.
Which of these travel cards is cheapest on foreign spend?
31 of these cards charge 0% on foreign currency transactions, among them American Express Platinum, Amex Business Platinum and Amex Delta SkyMiles Gold, and 28 more. That is the lowest markup among the 48 cards here whose rate we have confirmed against the issuer. The other 13 cards are left out of this answer because their markups are not yet verified, and we do not publish an unverified rate.
What income do you need for these travel cards?
Of the 29 cards here that state an income requirement, the lowest bar is the American Express Rewards Credit Card at £15,000 a year. Issuer income figures are guidelines rather than hard cutoffs, and US issuers generally publish none at all.
Read before you choose
What a foreign swipe really costs on an Indian credit card: the forex markup, the 18% GST on it, and the dynamic conversion trap. Every zero and low-markup card in our catalog, side by side.
ReadHow credit card lounge access works in India in 2026: the spend gates most issuers added, lounge networks, guest visits and how to check before you fly. Each card's own lounge terms from our catalog.
ReadHow to tell whether transferring card points to an airline or hotel beats a statement credit, the value-per-point formula, the risks, and every transfer-partner change we tracked in 2026 for Indian and US cards.
Read