Best travel credit cards we compare
For travel, forex markup and lounge rules matter as much as rewards. Many cards now need a minimum spend before lounge visits unlock.
24 cards · last verified 20 Oct 2026 · how we rank
Compare travel and lounges cards
- 1CheQ AU Credit Card (AU Small Finance Bank)
6% on travel · 0.5% base · Lifetime free · UPI
Apply nowVia our referral partner. We may earn a commission. - 2Axis Bank Horizon Credit Card
5% on travel · 2% base · ₹3,000 joining, ₹3,000 a year
View on Axis Bank siteIssuer's site. We don't earn from this card. - 3Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
4% on travel · 2% base · Lifetime free · UPI
Apply nowVia our referral partner. We may earn a commission. - 4HDFC Bank Diners Club Black Metal Edition Credit Card
3.33% on travel · 3.33% base · ₹10,000 joining, ₹10,000 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 5HDFC Bank INFINIA Credit Card Metal Edition
3.33% on travel · 3.33% base · ₹12,500 joining, ₹12,500 a year
View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 6ICICI Bank Emeralde Private Metal Credit Card
3% on travel · 3% base · ₹12,499 joining, ₹12,499 a year
View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. - 7HSBC Premier Credit Card
3% on travel · 3% base · ₹12,000 joining, ₹20,000 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 8Times Black ICICI Bank Credit Card
2% on travel · 2% base · ₹20,000 joining, ₹20,000 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 9IDFC FIRST Mayura Credit Card
1.67% on travel · 1.67% base · ₹5,999 joining, ₹5,999 a year
Apply nowVia our referral partner. We may earn a commission. - 10Tata Neu Infinity HDFC Bank Credit Card
1.5% on travel · 1.5% base · ₹1,499 joining, ₹1,499 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 11SBI Card MILES ELITE
1.5% on travel · 0.5% base · ₹4,999 joining, ₹4,999 a year · UPI
Apply nowVia our referral partner. We may earn a commission. - 12IDFC FIRST Select Credit Card
1.25% on travel · 0.38% base · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 13IDFC FIRST Wealth Credit Card
1.25% on travel · 0.38% base · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 14HDFC Bank Regalia Gold Credit Card
1.25% on travel · 1.25% base · ₹2,500 joining, ₹2,500 a year
View on HDFC Bank siteIssuer's site. We don't earn from this card. - 15Axis Bank Magnus Credit Card
1.2% on travel · 1.2% base · ₹12,500 joining, ₹12,500 a year
Apply nowVia our referral partner. We may earn a commission. - 16Axis Bank Magnus for Burgundy Credit Card
1.2% on travel · 1.2% base · ₹30,000 joining, ₹30,000 a year
View on Axis Bank siteIssuer's site. We don't earn from this card. - 17SBI Card ELITE
0.5% on travel · 0.5% base · ₹4,999 joining, ₹4,999 a year
Apply nowVia our referral partner. We may earn a commission. - 18IndusInd Bank Tiger Credit Card
– on travel · 0.4% base · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 19SalarySe Level UP Credit Card (City Union Bank)
– on travel · 1% base · Lifetime free · UPI
Apply nowVia our referral partner. We may earn a commission. - 20Uni GoldX Credit Card (BOBCARD)
– on travel · 1% base · Lifetime free · UPI
Apply nowVia our referral partner. We may earn a commission. - 21Marriott Bonvoy HDFC Bank Credit Card
– on travel · – base · ₹3,000 joining, ₹3,000 a year
Apply nowVia our referral partner. We may earn a commission. - 22ICICI Bank Sapphiro Credit Card
– on travel · – base · ₹6,500 joining, ₹3,500 a year · UPI
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 23HSBC TravelOne Credit Card
– on travel · – base · ₹4,999 joining, ₹4,999 a year
View on HSBC siteIssuer's site. We don't earn from this card. - 24ICICI Bank Emeralde Credit Card
– on travel · – base · ₹12,000 joining, ₹12,000 a year
View on ICICI Bank siteIssuer's site. We don't earn from this card.
| # | Card | Travel | Base rate | Fees | UPI | Apply |
|---|---|---|---|---|---|---|
| 1 | CheQ AU Credit Card (AU Small Finance Bank)AU Small Finance Bank | 6% | 0.5% | Lifetime free | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 2 | Axis Bank Horizon Credit CardAxis Bank | 5% | 2% | ₹3,000 joining, ₹3,000 a year | No | View on Axis Bank siteIssuer's site. We don't earn from this card. |
| 3 | Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Federal Bank | 4% | 2% | Lifetime free | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 4 | HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank | 3.33% | 3.33% | ₹10,000 joining, ₹10,000 a year | No | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 5 | HDFC Bank INFINIA Credit Card Metal EditionHDFC Bank | 3.33% | 3.33% | ₹12,500 joining, ₹12,500 a year | No | View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 6 | ICICI Bank Emeralde Private Metal Credit CardICICI Bank | 3% | 3% | ₹12,499 joining, ₹12,499 a year | No | View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card. |
| 7 | HSBC Premier Credit CardHSBC | 3% | 3% | ₹12,000 joining, ₹20,000 a year | No | View on HSBC siteIssuer's site. We don't earn from this card. |
| 8 | Times Black ICICI Bank Credit CardICICI Bank | 2% | 2% | ₹20,000 joining, ₹20,000 a year | No | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 9 | IDFC FIRST Mayura Credit CardIDFC FIRST Bank | 1.67% | 1.67% | ₹5,999 joining, ₹5,999 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 10 | Tata Neu Infinity HDFC Bank Credit CardHDFC Bank | 1.5% | 1.5% | ₹1,499 joining, ₹1,499 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 11 | SBI Card MILES ELITESBI Card | 1.5% | 0.5% | ₹4,999 joining, ₹4,999 a year | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 12 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1.25% | 0.38% | Lifetime free | No | Apply nowVia our referral partner. We may earn a commission. |
| 13 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 1.25% | 0.38% | Lifetime free | No | Apply nowVia our referral partner. We may earn a commission. |
| 14 | HDFC Bank Regalia Gold Credit CardHDFC Bank | 1.25% | 1.25% | ₹2,500 joining, ₹2,500 a year | No | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 15 | Axis Bank Magnus Credit CardAxis Bank | 1.2% | 1.2% | ₹12,500 joining, ₹12,500 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 16 | Axis Bank Magnus for Burgundy Credit CardAxis Bank | 1.2% | 1.2% | ₹30,000 joining, ₹30,000 a year | No | View on Axis Bank siteIssuer's site. We don't earn from this card. |
| 17 | SBI Card ELITESBI Card | 0.5% | 0.5% | ₹4,999 joining, ₹4,999 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 18 | IndusInd Bank Tiger Credit CardIndusInd Bank (co-brand with Tiger Fintech, a Bajaj Capital Group company) | – | 0.4% | Lifetime free | No | Apply nowVia our referral partner. We may earn a commission. |
| 19 | SalarySe Level UP Credit Card (City Union Bank)City Union Bank | – | 1% | Lifetime free | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 20 | Uni GoldX Credit Card (BOBCARD)BOBCARD Limited (Bank of Baroda subsidiary) | – | 1% | Lifetime free | Yes | Apply nowVia our referral partner. We may earn a commission. |
| 21 | Marriott Bonvoy HDFC Bank Credit CardHDFC Bank | – | – | ₹3,000 joining, ₹3,000 a year | No | Apply nowVia our referral partner. We may earn a commission. |
| 22 | ICICI Bank Sapphiro Credit CardICICI Bank | – | – | ₹6,500 joining, ₹3,500 a year | Yes | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 23 | HSBC TravelOne Credit CardHSBC | – | – | ₹4,999 joining, ₹4,999 a year | No | View on HSBC siteIssuer's site. We don't earn from this card. |
| 24 | ICICI Bank Emeralde Credit CardICICI Bank | – | – | ₹12,000 joining, ₹12,000 a year | No | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.
The cards in detail
- Apply nowVia our referral partner. We may earn a commission.
1. CheQ AU Credit Card (AU Small Finance Bank)
Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.
Lifetime free
- View on Axis Bank siteIssuer's site. We don't earn from this card.
2. Axis Bank Horizon Credit Card
Travel card: 5 EDGE Miles per ₹100 on flights booked directly with airlines or on Axis's Travel EDGE portal, and 2 per ₹100 on most other spends. Axis values a mile at ₹1, so that's about 5% and 2% back, with no published earning cap. Utility bills, fuel, rent, insurance, wallet loads and government or education payments earn nothing.
₹3,000 joining, ₹3,000 a year
- Apply nowVia our referral partner. We may earn a commission.
3. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend.
Lifetime free
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
4. HDFC Bank Diners Club Black Metal Edition Credit Card
5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Double points at standalone restaurants on Saturdays and Sundays, 10,000 bonus points each calendar quarter you spend ₹4 lakh, and up to 10 times the points on travel and shopping through SmartBuy. Fuel, rent, wallet loads, EMI and government payments earn nothing.
₹10,000 joining, ₹10,000 a year
- View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
5. HDFC Bank INFINIA Credit Card Metal Edition
5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing.
₹12,500 joining, ₹12,500 a year
- View on ICICI Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.
6. ICICI Bank Emeralde Private Metal Credit Card
6 reward points per ₹200 on most spends: about 3% back if you use the points for flight and hotel vouchers or select brand vouchers (₹1 a point), 1.8% on catalogue products (₹0.60 a point) or 1.2% as statement credit (₹0.40 a point). 12,500 bonus points each time the joining or annual fee is paid, EaseMyTrip flight vouchers worth ₹6,000 at ₹8 lakh of yearly spend, and buy-one-get-one BookMyShow tickets (up to ₹750 off, twice a month). Fuel, rent, government, tax and wallet payments earn nothing.
₹12,499 joining, ₹12,499 a year
- View on HSBC siteIssuer's site. We don't earn from this card.
7. HSBC Premier Credit Card
3 reward points per ₹100, and HSBC values a point at ₹1 when you redeem it for Apple products or for flights and hotels on its Travel with Points portal, so about 3% back. Points also move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes, and never expire; gift cards and merchandise are priced in HSBC's app. Bookings made through the portal earn more (up to 36 points per ₹100 on hotels). New cards issued by 31 Dec 2026 get 20,000 bonus points on the first purchase within 30 days. Fuel earns nothing, and utility bills, insurance, rent, wallet loads and similar payments earn only on the first ₹1 lakh a month combined.
₹12,000 joining, ₹20,000 a year
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
8. Times Black ICICI Bank Credit Card
2% back in reward points on spends in India and 2.5% abroad, if you use the points where ICICI values them at their best (up to ₹1 a point). Taken as statement credit a point is worth ₹0.40, so 0.8% in India and 1% abroad. Milestone rewards worth ₹10,000 each at ₹2 lakh, ₹5 lakh and ₹10 lakh of yearly spend (Klook, airport transfers or WeWork passes, Tata CLiQ Luxury) and a ₹20,000 luxury stay at ₹20 lakh. Fuel and rent earn nothing.
₹20,000 joining, ₹20,000 a year
- Apply nowVia our referral partner. We may earn a commission.
9. IDFC FIRST Mayura Credit Card
Reward points on every ₹150, worth ₹0.50 each when you book flights and hotels in IDFC FIRST's app (₹0.25 on vouchers, products and other redemptions). At the travel value: 1.67% back on your first ₹20,000 of spends a month and on international spends, 3.33% on spends above ₹20,000 a month and on your birthday; rent, education, wallet loads and government payments 1%; insurance, utilities, railways and FASTag 0.33%. Halve these at ₹0.25 a point. Extra bonus points on hotels and flights booked in the app. No points on fuel, EMI or cash withdrawals. International spends keep earning points after IDFC FIRST's 26 October 2026 change.
₹5,999 joining, ₹5,999 a year
- Apply nowVia our referral partner. We may earn a commission.
10. Tata Neu Infinity HDFC Bank Credit Card
NeuCoins worth ₹1 each on Tata Neu: 5% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1.5% on other spends, up to 1.5% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing.
₹1,499 joining, ₹1,499 a year
- Apply nowVia our referral partner. We may earn a commission.
11. SBI Card MILES ELITE
Premium travel card: 6 Travel Credits per ₹200 on travel and 2 per ₹200 elsewhere, 1.99% forex markup, domestic and Priority Pass lounge visits.
₹4,999 joining, ₹4,999 a year
- Apply nowVia our referral partner. We may earn a commission.
12. IDFC FIRST Select Credit Card
Dining, travel and birthday spends earn 1.25% back in reward points, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Zero forex markup, plus a domestic airport lounge visit each quarter.
Lifetime free
- Apply nowVia our referral partner. We may earn a commission.
13. IDFC FIRST Wealth Credit Card
Dining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits.
Lifetime free
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
14. HDFC Bank Regalia Gold Credit Card
5 reward points per ₹200: about 1.25% back if you use the points for flights and hotels on HDFC SmartBuy (₹0.50 a point), or 0.375% as statement credit (₹0.15 a point). 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer. Fuel, rent, wallet loads and government payments earn nothing.
₹2,500 joining, ₹2,500 a year
- Apply nowVia our referral partner. We may earn a commission.
15. Axis Bank Magnus Credit Card
12 EDGE Reward points per ₹200 on the first ₹1.5 lakh of spend each calendar month and 35 per ₹200 above that (up to your credit limit plus ₹1.5 lakh), plus 60 per ₹200 on the first ₹2 lakh a month booked on Axis's Travel EDGE portal. Axis's published value is ₹0.20 a point on its rewards catalogue, so that's about 1.2%, 3.5% and 6% back. Points can also move to 20 airline and hotel partners at 5 points to 2 partner miles. Fuel, utility and telecom bills, insurance, gold and jewellery, government payments, wallet loads and tolls earn nothing.
₹12,500 joining, ₹12,500 a year
- View on Axis Bank siteIssuer's site. We don't earn from this card.
16. Axis Bank Magnus for Burgundy Credit Card
Same earning as the regular Magnus: 12 EDGE Reward points per ₹200 on the first ₹1.5 lakh of spend each calendar month and 35 per ₹200 above that (up to your credit limit plus ₹1.5 lakh), plus 60 per ₹200 on the first ₹2 lakh a month booked on Axis's Travel EDGE portal. Axis's published value is ₹0.20 a point on its rewards catalogue, so that's about 1.2%, 3.5% and 6% back. The difference is miles: points move to 20 airline and hotel partners at 5 points to 4 partner miles (double the regular card's rate), up to 10 lakh points a year. Fuel, utility and telecom bills, insurance, gold and jewellery, government payments, wallet loads and tolls earn nothing.
₹30,000 joining, ₹30,000 a year
- Apply nowVia our referral partner. We may earn a commission.
17. SBI Card ELITE
Premium lifestyle card: 10 points per ₹100 on dining, grocery and departmental stores (about 2.5% back), free movie tickets worth up to ₹6,000 a year, 1.99% forex markup and lounge access.
₹4,999 joining, ₹4,999 a year
- Apply nowVia our referral partner. We may earn a commission.
18. IndusInd Bank Tiger Credit Card
Spend-slab rewards: 1 point per ₹100 up to ₹1 lakh a year, rising to 2, 4 and 6 points per ₹100 at higher yearly spend; no points on fuel, utilities, rent, insurance, education or government payments.
Lifetime free
- Apply nowVia our referral partner. We may earn a commission.
19. SalarySe Level UP Credit Card (City Union Bank)
Earns SalarySe SCoins worth about 1% on regular spends (2% on monthly spend above ₹20,000) and 5% on SalarySe UPI on the 1st and last day of the month (7.5% with the paid physical card); lounge access comes with the paid physical card.
Lifetime free
- Apply nowVia our referral partner. We may earn a commission.
20. Uni GoldX Credit Card (BOBCARD)
Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends.
Lifetime free
- Apply nowVia our referral partner. We may earn a commission.
21. Marriott Bonvoy HDFC Bank Credit Card
Earns Marriott Bonvoy points, not cash: 8 per ₹150 at Marriott hotels, 4 per ₹150 on travel, dining and entertainment, and 2 per ₹150 on most other spends. Points go to your Marriott Bonvoy account for hotel stays and other Marriott rewards and can't be turned into cash; HDFC Bank doesn't give them a rupee value. Up to 3 extra free nights a year when your spend in a card year reaches ₹6 lakh, ₹9 lakh and ₹15 lakh. Fuel, rent, wallet loads, vouchers, EMI and government payments earn nothing.
₹3,000 joining, ₹3,000 a year
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
22. ICICI Bank Sapphiro Credit Card
2 reward points per ₹100 in India, 4 per ₹100 on international spends and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth. Welcome vouchers worth over ₹13,000, milestone bonus of up to 20,000 points a year, and buy-one-get-one BookMyShow tickets.
₹6,500 joining, ₹3,500 a year
- View on HSBC siteIssuer's site. We don't earn from this card.
23. HSBC TravelOne Credit Card
Travel card: 4 reward points per ₹100 on airlines, travel booking sites and foreign-currency spends, 2 per ₹100 on most other spends, and 10,000 bonus points once you spend ₹12 lakh in a card year. Points move 1:1 to 11 airline programmes (including Air India, Singapore Airlines and British Airways) and 4 hotel programmes (including Marriott and Accor); HSBC sets no fixed rupee value for them. Fuel, utility bills, rent and insurance earn nothing.
₹4,999 joining, ₹4,999 a year
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
24. ICICI Bank Emeralde Credit Card
4 reward points per ₹100 on spends in India and abroad, and 1 per ₹100 on utilities and insurance; ICICI doesn't publish what a point is worth on this card. Buy-one-get-one BookMyShow tickets (up to ₹750 off the second, up to 4 times a month) after ₹25,000 of spend in the previous quarter, a ₹5,000 birthday voucher (Tata CLiQ on Amex, Postcard Hotels on Mastercard) and up to 4 golf rounds a month. Fuel, rent and wallet loads earn nothing.
₹12,000 joining, ₹12,000 a year
What you'd get back on travel
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1. CheQ AU Credit Card (AU Small Finance Bank)
₹7,200 a year at 6% · lifetime free
- View on Axis Bank siteIssuer's site. We don't earn from this card.
2. Axis Bank Horizon Credit Card
₹6,000 a year at 5% · ₹3,000 annual fee
- Apply nowVia our referral partner. We may earn a commission.
3. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
₹4,800 a year at 4% · lifetime free
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
4. HDFC Bank Diners Club Black Metal Edition Credit Card
₹3,996 a year at 3.33% · ₹10,000 annual fee
- View on HDFC Bank siteIssuer's site. We don't earn from this card.
5. HDFC Bank INFINIA Credit Card Metal Edition
₹3,996 a year at 3.33% · ₹12,500 annual fee
Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.
Related guides and comparisons
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- Axis Bank Horizon vs Axis Bank MagnusSide by side: fees, rewards and which one suits whom
- Axis Bank Magnus vs Axis Bank Magnus for BurgundySide by side: fees, rewards and which one suits whom
- Axis Bank Magnus vs HDFC Bank INFINIA Credit Card Metal EditionSide by side: fees, rewards and which one suits whom
- HDFC Bank Diners Club Black Metal Edition vs HDFC Bank INFINIA Credit Card Metal EditionSide by side: fees, rewards and which one suits whom
Questions people ask
Which travel and lounges card gives the most on travel?
Among the cards we compare, the CheQ AU Credit Card (AU Small Finance Bank) from AU Small Finance Bank is first, at 6% value back on travel. Rates are capped on most cards, so check the monthly limit on its page.
Is there a lifetime free option?
Yes: CheQ AU Credit Card (AU Small Finance Bank), Scapia Federal Bank Credit Card (Visa + complimentary RuPay), IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card, IndusInd Bank Tiger Credit Card, SalarySe Level UP Credit Card (City Union Bank), Uni GoldX Credit Card (BOBCARD). They charge no joining or annual fee on the bank's own terms.
Which of these cards work on UPI?
CheQ AU Credit Card (AU Small Finance Bank), Scapia Federal Bank Credit Card (Visa + complimentary RuPay), Tata Neu Infinity HDFC Bank Credit Card, SBI Card MILES ELITE, SalarySe Level UP Credit Card (City Union Bank), Uni GoldX Credit Card (BOBCARD), ICICI Bank Sapphiro Credit Card. Only RuPay credit cards can be linked to UPI apps, and UPI rewards are often lower than card rewards.
How did you check these numbers?
Every fee, reward rate and eligibility rule comes from the issuing bank's official pages and terms, last verified 20 Oct 2026. Where a bank doesn't publish what a reward point is worth, we leave the rate blank instead of guessing.
Which credit cards have zero forex markup?
Several of the cards we compare charge none, for example Scapia, Uni GoldX and IDFC FIRST's cards such as Millennia, Select, Wealth and WOW. Most others charge 3.5%, which adds ₹3,500 to every ₹1 lakh you spend in a foreign currency, and a few charge about 2%, such as SBI ELITE, Amazon Pay ICICI and HDFC Regalia Gold.
Do I earn rewards on international spends?
It depends on the card, and a low markup doesn't guarantee it. IDFC FIRST Millennia, Select and Wealth pay 1.25% back on international spends, and WOW 0.5%. Uni GoldX, Amazon Pay ICICI and HSBC Live+ give nothing on international spends, though all three charge a low markup: none on Uni GoldX and 1.99% on the other two.
Are travel card reward points worth the same however I redeem them?
No. On HDFC Regalia Gold a point is worth ₹0.50 on flights and hotels booked through HDFC SmartBuy but ₹0.15 as statement credit, so the same spend returns about 1.25% or 0.375%. Scapia's coins are for travel booked in the Scapia app. Check how a card's points are redeemed before you count on the headline rate.
Do travel card lounge visits need a minimum spend?
Usually, for domestic visits. HDFC Regalia Gold's 3 domestic visits a quarter need ₹60,000 of spend in the previous quarter, IDFC FIRST Select and Wealth need ₹20,000 in the previous month, and Scapia's unlimited domestic visits need ₹20,000 of monthly spend. Some international visits have no spend condition published, such as the 6 Priority Pass visits a year on Regalia Gold and on SBI ELITE.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.