10 Best Air Miles Credit Cards in India 2026

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How we rank: Cards are ordered by overall value score — a weighted formula combining reward rate, annual fee, joining fee waiver, lounge access, and real-world usability for Indian spending habits. The #1 card genuinely offers the best combination for most people in this category.

⭐ #1 IN THIS CATEGORY

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HDFC Infinia Metal Credit Card

HDFC Bank

Super Premium Travel Lounge Access Air Miles

Annual Fee: ₹12,500/yr

Joining Fee: ₹12,500

🎁 5 Reward Points per ₹150; best SmartBuy redemption value

✅ Best for: High spenders (₹10L+/yr) wanting top-of-market rewards

⭐ 4.9/5

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#2 RUNNER-UP

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American Express Platinum Charge Card

American Express

super-premium travel lounge-access air-miles dining

Annual Fee: ₹60,000

Joining Fee: ₹60,000

🎁 Unlimited MR Points; Centurion lounge access worldwide; concierge

✅ Best for: Ultra HNI individuals wanting the most exclusive card in India

⭐ 4.9/5

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ICICI Emeralde Private Metal Card

ICICI Bank

Super Premium Travel Lounge Access Air Miles

Annual Fee: ₹12,000/yr

Joining Fee: ₹12,000

🎁 6 PAYBACK Points per ₹100; 12X on travel bookings

✅ Best for: HNI spenders seeking complete luxury travel experience

⭐ 4.8/5

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Axis Bank Magnus Credit Card

Axis Bank

Super Premium Travel Air Miles Lounge Access

Annual Fee: ₹12,500/yr

Joining Fee: ₹12,500

🎁 35 EDGE Miles per ₹200 on travel; best-in-class transfer ratio

✅ Best for: Frequent international flyers who value air mile transfers

⭐ 4.8/5

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ICICI Emeralde Private Metal Credit Card

ICICI Bank

super-premium travel lounge-access air-miles

Annual Fee: ₹12,000

Joining Fee: ₹12,000

🎁 6 PAYBACK Points per ₹100; 12X on travel bookings

✅ Best for: Ultra HNI spenders seeking complete luxury travel experience

⭐ 4.8/5

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Axis Bank Atlas Credit Card

Axis Bank

Travel Air Miles Lounge Access

Annual Fee: ₹5,000/yr

Joining Fee: ₹5,000

🎁 5 EDGE Miles per ₹200 on travel; 2 on all other spends

✅ Best for: Frequent flyers wanting maximum air mile accumulation

⭐ 4.7/5

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American Express Gold Charge Card

American Express

travel air-miles lounge-access dining

Annual Fee: ₹4,500

Joining Fee: ₹4,500

🎁 1 MR Point per ₹50; 5X on IndiGo and Air India through Amex Travel

✅ Best for: Business travellers and frequent flyers accumulating MR Points

⭐ 4.6/5

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SBI Card Miles Elite

SBI Card

super-premium travel air-miles lounge-access

Annual Fee: ₹9,999

Joining Fee: ₹9,999

🎁 5 Reward Miles per ₹100 on international spends; 10 airline partners

✅ Best for: Frequent international flyers wanting premium miles and lounge

⭐ 4.5/5

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Federal Bank Scapia Credit Card

Federal Bank

Travel Forex Lounge Access Lifetime Free Air Miles ♾️ Lifetime Free

Annual Fee: Free

Joining Fee: Free

🎁 10% travel cashback on Scapia app; no blackout dates

✅ Best for: Budget international travellers wanting zero forex + free lounge

⭐ 4.5/5

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American Express Platinum Travel Credit Card

American Express

travel air-miles lounge-access

Annual Fee: ₹5,000

Joining Fee: ₹5,000

🎁 1 MR Point per ₹50; annual travel vouchers worth ₹10,000 on milestone

✅ Best for: Luxury hotel and travel spenders who stay at Taj properties

⭐ 4.5/5

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HDFC Diners Club Privilege Credit Card

HDFC Bank

travel lounge-access dining air-miles

Annual Fee: ₹2,500

Joining Fee: ₹2,500

🎁 4 Reward Points per ₹150; 10X on weekend dining

✅ Best for: Frequent flyers and foodies wanting both lounge access and dining rewards

⭐ 4.5/5

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HSBC TravelOne Credit Card

HSBC India

travel air-miles lounge-access forex

Annual Fee: ₹4,999

Joining Fee: ₹4,999

🎁 Transfer points to 10 airlines and 3 hotels; 3 points per ₹100

✅ Best for: Travel hackers wanting flexible point transfers to multiple airlines

⭐ 4.4/5

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Air India SBI Signature Credit Card

SBI Card

travel air-miles lounge-access

Annual Fee: ₹4,999

Joining Fee: ₹4,999

🎁 30 Air India Miles per ₹100 on Air India; 5 Air India Miles on others

✅ Best for: Frequent Air India flyers wanting maximum mileage accumulation

⭐ 4.4/5

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Axis Bank Vistara Signature Credit Card

Axis Bank

travel air-miles lounge-access

Annual Fee: ₹3,000

Joining Fee: ₹3,000

🎁 3 CV Points per ₹200; welcome business class ticket

✅ Best for: Frequent Vistara flyers building CV Points for upgrades

⭐ 4.4/5

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American Express Membership Rewards Credit Card

American Express

air-miles dining lifestyle

Annual Fee: ₹4,500

Joining Fee: ₹4,500

🎁 1 MR Point per ₹50; 1,000 bonus MR on 6 transactions/month

✅ Best for: Premium card users who value Amex service and MR redemption flexibility

⭐ 4.4/5

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Axis Bank Horizon Credit Card

Axis Bank

travel air-miles lounge-access

Annual Fee: ₹3,000

Joining Fee: ₹3,000

🎁 5 EDGE Miles per ₹200 on travel; 12 airline partners

✅ Best for: Multi-airline travellers wanting flexible miles

⭐ 4.4/5

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Amex Membership Rewards Card

American Express

Premium Dining Lifestyle Air Miles

Annual Fee: ₹4,500/yr

Joining Fee: ₹4,500

🎁 1 MR Point per ₹50; 1,000 bonus MR on 6 transactions/month

✅ Best for: Premium card users who value Amex service and dining benefits

⭐ 4.4/5

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Yes Bank Marquee Credit Card

Yes Bank

super-premium travel lounge-access air-miles

Annual Fee: ₹9,999

Joining Fee: ₹9,999

🎁 36 Reward Points per ₹200 on travel; 12 on others; unlimited lounge

✅ Best for: Premium Yes Bank customers wanting travel rewards and unlimited lounge

⭐ 4.4/5

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HDFC Bank 6E Rewards XL Credit Card

HDFC Bank

travel air-miles lounge-access

Annual Fee: ₹1,500

Joining Fee: ₹1,500

🎁 6% off on IndiGo base fare; 3% on other IndiGo spends

✅ Best for: Heavy IndiGo flyers wanting maximum discounts

⭐ 4.3/5

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Club Vistara SBI Card PRIME

SBI Card

travel air-miles lounge-access

Annual Fee: ₹2,999

Joining Fee: ₹2,999

🎁 3 CV Points per ₹200 on all spends; bonus Club Vistara tier points

✅ Best for: Frequent Vistara flyers wanting CV Points and tier upgrades

⭐ 4.3/5

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IndusInd Bank Avios Visa Credit Card

IndusInd Bank

travel air-miles lounge-access

Annual Fee: ₹5,000

Joining Fee: ₹5,000

🎁 3 Avios per ₹100 on British Airways and partner airlines

✅ Best for: British Airways and OneWorld frequent flyers in India

⭐ 4.3/5

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HDFC Marriott Bonvoy Credit Card

HDFC Bank

travel air-miles

Annual Fee: ₹3,000

Joining Fee: ₹3,000

🎁 8 Bonvoy Points per ₹150 at Marriott; 4 at others

✅ Best for: Frequent Marriott hotel guests earning Bonvoy points

⭐ 4.3/5

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IndusInd Bank Pinnacle Credit Card

IndusInd Bank

travel lounge-access dining air-miles

Annual Fee: ₹5,000

Joining Fee: ₹5,000

🎁 2.5 Reward Points per ₹100; bonus points on travel and dining

✅ Best for: Premium spenders wanting international lounge and travel benefits

⭐ 4.3/5

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HDFC Bank All Miles Credit Card

HDFC Bank

travel air-miles lounge-access

Annual Fee: ₹1,000

Joining Fee: ₹1,000

🎁 3 Air Miles per ₹150 on travel; transfer to 9 airlines

✅ Best for: Multi-airline travellers switching between IndiGo, Air India, Emirates

⭐ 4.2/5

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SBI Card Miles Prime

SBI Card

travel air-miles lounge-access

Annual Fee: ₹2,999

Joining Fee: ₹2,999

🎁 3 Reward Miles per ₹100 on all spends

✅ Best for: Frequent flyers accumulating miles on every purchase

⭐ 4.2/5

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ICICI Bank MMT Signature Credit Card

ICICI Bank

travel air-miles lounge-access

Annual Fee: ₹2,500

Joining Fee: ₹2,500

🎁 Up to 7% off on MakeMyTrip hotels and flights

✅ Best for: Frequent MMT bookers wanting instant travel discounts

⭐ 4.2/5

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ICICI Bank Adani One Signature Credit Card

ICICI Bank

travel air-miles lounge-access

Annual Fee: ₹500

Joining Fee: ₹500

🎁 7% off on Adani One flight bookings; 3.5% on hotel bookings

✅ Best for: Frequent flyers using Adani One travel platform

⭐ 4.1/5

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RBL Bank World Safari Credit Card

RBL Bank

travel forex lounge-access air-miles

Annual Fee: ₹3,000

Joining Fee: ₹3,000

🎁 5 Travel Reward Points per ₹100; zero forex markup on international spends

✅ Best for: Frequent international travellers wanting zero forex and travel rewards

⭐ 4.1/5

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FAQs

Common Questions about Air Miles Cards

What is the best Air Miles credit card in India for 2026? ＋

The best card depends on your spending habits and income. Use our rankings above — they're updated monthly based on actual reward rates, fees, and benefits.

Are the rankings paid or sponsored? ＋

No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.

How do I apply for a Air Miles credit card? ＋

Click "Apply Now" on any card — it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.

What credit score do I need? ＋

Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.

10 Best Air Miles Credit Cards in India (2026)

HDFC Infinia Metal Credit Card

American Express Platinum Charge Card

ICICI Emeralde Private Metal Card

Axis Bank Magnus Credit Card

ICICI Emeralde Private Metal Credit Card

Axis Bank Atlas Credit Card

American Express Gold Charge Card

SBI Card Miles Elite

Federal Bank Scapia Credit Card

American Express Platinum Travel Credit Card

HDFC Diners Club Privilege Credit Card

HSBC TravelOne Credit Card

Air India SBI Signature Credit Card

Axis Bank Vistara Signature Credit Card

American Express Membership Rewards Credit Card

Axis Bank Horizon Credit Card

Amex Membership Rewards Card

Yes Bank Marquee Credit Card

HDFC Bank 6E Rewards XL Credit Card

Club Vistara SBI Card PRIME

IndusInd Bank Avios Visa Credit Card

HDFC Marriott Bonvoy Credit Card

IndusInd Bank Pinnacle Credit Card

HDFC Bank All Miles Credit Card

SBI Card Miles Prime

ICICI Bank MMT Signature Credit Card

ICICI Bank Adani One Signature Credit Card

RBL Bank World Safari Credit Card

Common Questions about Air Miles Cards