Best Travel Credit Cards in India
A travel card is valuable only when its points match how you book and redeem. This shortlist prioritizes current issuer evidence and exposes the fee, lounge and redemption conditions that generic rankings often hide.
Cards below are ordered by recurring annual fee, then forex markup and product name—not by affiliate payout. “Best” means a relevant evidence-led shortlist; your personal winner requires wallet-level comparison.
What to check before applying
- Use a realistic redemption value, not the highest promotional transfer value.
- Confirm whether lounge access needs preceding-quarter or billing-cycle spend.
- Compare forex savings with reward exclusions on international transactions.
Federal Bank Scapia
₹0
10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel)
0%
Visa, RuPay
Best suited to: international travel, zero forex, young traveler. Recorded exclusions: rent, fuel, wallet load, emi, intl, education, gift card, card payment.
Review rewards, caps, fees and issuer evidence →slice UPI Credit Card
₹0
1% cash value at the entry redemption slab on eligible domestic spends
0%
RuPay
Best suited to: upi credit. Recorded exclusions: fuel, rent, wallet load, insurance, emi, education, government, gaming.
Review rewards, caps, fees and issuer evidence →Amazon Pay ICICI
₹0
1% in Amazon Pay balance
1.99%
Visa, RuPay
Best suited to: amazon, cashback, first card, lifetime free. Recorded exclusions: fuel, rent, gift cards, wallet load.
Review rewards, caps, fees and issuer evidence →HDFC Bank Regalia Gold
₹2,500 + GST
5 Reward Points per ₹200 on eligible retail spends; complete ₹200 multiples
2%
Visa Signature, Mastercard
Best suited to: travel, shopping, upper mid spender. Recorded exclusions: fuel, rent, property management, wallet load, easy emi, smart emi, government, gaming.
Review rewards, caps, fees and issuer evidence →Axis Bank IndiGo Premium
₹5,000 + GST
2 BluChips per ₹100 on eligible spends
2.5%
RuPay, Visa
Best suited to: indigo flyers, domestic travel, travel. Recorded exclusions: government, insurance, utilities, telecom, rent, wallet load, fuel, jewellery.
Review rewards, caps, fees and issuer evidence →Axis Bank Atlas
₹5,000
2% in EDGE Miles
3.5%
Visa Signature
Best suited to: travel, flights hotels. Recorded exclusions: fuel, rent, wallet load, insurance, gold, government, utility.
Review rewards, caps, fees and issuer evidence →American Express Platinum Travel
₹5,000
2% in Membership Rewards
3.5%
Amex
Best suited to: milestone spender, hotels. Recorded exclusions: fuel, insurance, utilities.
Review rewards, caps, fees and issuer evidence →₹10,000 + GST
5 Reward Points per ₹150 on eligible retail spend; complete transaction multiples and issuer posting rules apply
2%
Diners Club
Best suited to: travel, high spender, memberships. Recorded exclusions: fuel, rent, wallet load, easy emi, smart emi, education, government.
Review rewards, caps, fees and issuer evidence →IDFC FIRST Bank Gaj (Metal)
₹12,500
5 RP/₹150 on eligible spends
0%
Visa
Best suited to: travel, premium, forex free. Recorded exclusions: fuel, emi, fees, loan, balance transfer, cash withdrawal.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which is the best travel credit cards in India?
There is no universal winner. The right card depends on your spending, cards already owned, realistic redemption value, annual fee, exclusions and issuer approval fit. CardMasters therefore presents a current evidence-led shortlist instead of one paid winner.
Does affiliate commission affect this shortlist?
No. Affiliate payout is not used to select, order or value cards. A card can appear without a monetized application link, and every tracked campaign is disclosed separately.
How current is the card information?
Every card on this page has a dated issuer-source record. The catalogue was last updated 2026-07-28, but credit-card terms can change after publication, so confirm final terms with the issuer.