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10 Best Travel Credit Cards in India (2026)

Compare the best travel credit cards in India for 2026. Airport lounge access, air miles, zero forex fees, flight discounts.

βœ… Rankings updated: March 2026 πŸ† Ranked by: reward rate, fee value, real-world usability β€” not paid partnerships πŸ“‹ Data verified against official bank websites
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How we rank: Cards are ordered by overall value score β€” 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

HDFC Infinia Metal Credit Card

HDFC Bank
Super Premium Travel Lounge Access Air Miles
Annual Fee: β‚Ή12,500/yr
Joining Fee: β‚Ή12,500
🎁 5 Reward Points per β‚Ή150; best SmartBuy redemption value
βœ… Best for: High spenders (β‚Ή10L+/yr) wanting top-of-market rewards
⭐ 4.9/5
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#2 RUNNER-UP
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American Express

American Express Platinum Charge Card

American Express
super-premium travel lounge-access air-miles dining
Annual Fee: β‚Ή60,000
Joining Fee: β‚Ή60,000
🎁 Unlimited MR Points; Centurion lounge access worldwide; concierge
βœ… Best for: Ultra HNI individuals wanting the most exclusive card in India
⭐ 4.9/5
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β€’β€’β€’β€’ 1234
ICICI Emeralde

ICICI Emeralde Private Metal Card

ICICI Bank
Super Premium Travel Lounge Access Air Miles
Annual Fee: β‚Ή12,000/yr
Joining Fee: β‚Ή12,000
🎁 6 PAYBACK Points per β‚Ή100; 12X on travel bookings
βœ… Best for: HNI spenders seeking complete luxury travel experience
⭐ 4.8/5
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β€’β€’β€’β€’ 1234
ICICI Emeralde

ICICI Emeralde Private Metal Credit Card

ICICI Bank
super-premium travel lounge-access air-miles
Annual Fee: β‚Ή12,000
Joining Fee: β‚Ή12,000
🎁 6 PAYBACK Points per β‚Ή100; 12X on travel bookings
βœ… Best for: Ultra HNI spenders seeking complete luxury travel experience
⭐ 4.8/5
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Axis Bank

Axis Bank Magnus Credit Card

Axis Bank
Super Premium Travel Air Miles Lounge Access
Annual Fee: β‚Ή12,500/yr
Joining Fee: β‚Ή12,500
🎁 35 EDGE Miles per β‚Ή200 on travel; best-in-class transfer ratio
βœ… Best for: Frequent international flyers who value air mile transfers
⭐ 4.8/5
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IDFC FIRST

IDFC FIRST Wealth Credit Card

IDFC First Bank
Lifetime Free Lounge Access Travel Premium ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 10X rewards on online spends; 6X offline; no expiry
βœ… Best for: Anyone wanting premium lounge access and high rewards for free
⭐ 4.8/5
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HDFC Diners

HDFC Diners Club Black Metal Edition

HDFC Bank
super-premium travel lounge-access dining
Annual Fee: β‚Ή10,000
Joining Fee: β‚Ή10,000
🎁 5 Reward Points per β‚Ή150; premium Diners Club acceptance
βœ… Best for: Super-premium users wanting global lounge access and concierge
⭐ 4.8/5
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IndusInd Bank

IndusInd Bank Celesta Credit Card

IndusInd Bank
super-premium travel lounge-access dining
Annual Fee: β‚Ή40,000
Joining Fee: β‚Ή40,000
🎁 1 Reward Point per β‚Ή100; unlimited lounge access; golf; butler service
βœ… Best for: Ultra-premium IndusInd private banking customers
⭐ 4.7/5
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β€’β€’β€’β€’ 1234
HDFC Regalia

HDFC Regalia Gold Credit Card

HDFC Bank
Travel Lounge Access Premium
Annual Fee: β‚Ή2,500/yr
Joining Fee: β‚Ή2,500
🎁 4 Reward Points per β‚Ή150 spent on all categories
βœ… Best for: Frequent domestic flyers wanting premium travel benefits
⭐ 4.7/5
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Axis Bank

Axis Bank Atlas Credit Card

Axis Bank
Travel Air Miles Lounge Access
Annual Fee: β‚Ή5,000/yr
Joining Fee: β‚Ή5,000
🎁 5 EDGE Miles per β‚Ή200 on travel; 2 on all other spends
βœ… Best for: Frequent flyers wanting maximum air mile accumulation
⭐ 4.7/5
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β€’β€’β€’β€’ 1234
Kotak White

Kotak White Reserve Credit Card

Kotak Mahindra Bank
super-premium travel lounge-access
Annual Fee: β‚Ή12,500
Joining Fee: β‚Ή12,500
🎁 5X Rewards on spends above β‚Ή1L/month; unlimited lounge access
βœ… Best for: Ultra-premium spenders wanting exclusive banking privileges
⭐ 4.6/5
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American Express

American Express Gold Charge Card

American Express
travel air-miles lounge-access dining
Annual Fee: β‚Ή4,500
Joining Fee: β‚Ή4,500
🎁 1 MR Point per β‚Ή50; 5X on IndiGo and Air India through Amex Travel
βœ… Best for: Business travellers and frequent flyers accumulating MR Points
⭐ 4.6/5
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IndusInd Bank

IndusInd Bank Legend Credit Card

IndusInd Bank
super-premium travel lounge-access dining
Annual Fee: β‚Ή9,999
Joining Fee: β‚Ή9,999
🎁 2 Reward Points per β‚Ή100; unlimited lounge access; Taj Epicure membership
βœ… Best for: Premium lifestyle spenders wanting Taj hotel benefits and unlimited lounge
⭐ 4.5/5
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HDFC Diners

HDFC Diners Club Privilege Credit Card

HDFC Bank
travel lounge-access dining air-miles
Annual Fee: β‚Ή2,500
Joining Fee: β‚Ή2,500
🎁 4 Reward Points per β‚Ή150; 10X on weekend dining
βœ… Best for: Frequent flyers and foodies wanting both lounge access and dining rewards
⭐ 4.5/5
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ICICI Bank

ICICI Bank Sapphiro Credit Card

ICICI Bank
super-premium travel lounge-access
Annual Fee: β‚Ή3,500
Joining Fee: β‚Ή6,500
🎁 4 PAYBACK Points per β‚Ή100; golf, concierge, lounge access
βœ… Best for: Premium spenders wanting international lounge access and golf privileges
⭐ 4.5/5
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American Express

American Express Platinum Travel Credit Card

American Express
travel air-miles lounge-access
Annual Fee: β‚Ή5,000
Joining Fee: β‚Ή5,000
🎁 1 MR Point per β‚Ή50; annual travel vouchers worth β‚Ή10,000 on milestone
βœ… Best for: Luxury hotel and travel spenders who stay at Taj properties
⭐ 4.5/5
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HSBC Premier

HSBC Premier Mastercard Credit Card

HSBC India
super-premium travel lounge-access forex
Annual Fee: Free (Premier customers)
Joining Fee: Free (Premier customers)
🎁 2X Rewards on all spends; milestone bonuses on β‚Ή5L/year
βœ… Best for: HSBC Premier banking customers wanting unlimited global lounge access
⭐ 4.5/5
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SBI Card

SBI Card Elite

SBI Card
Premium Travel Lounge Access Dining
Annual Fee: β‚Ή4,999/yr
Joining Fee: β‚Ή4,999
🎁 5 Reward Points per β‚Ή100; 10X on dining and groceries
βœ… Best for: Premium cardholders wanting lounge access with a trusted brand
⭐ 4.5/5
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AU Bank

AU Bank Zenith Plus Credit Card

AU Small Finance Bank
super-premium travel lounge-access dining
Annual Fee: β‚Ή4,999
Joining Fee: β‚Ή4,999
🎁 20 Reward Points per β‚Ή100 on dining and travel; 10 on others
βœ… Best for: Premium spenders wanting high rewards and unlimited lounge access
⭐ 4.5/5
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β€’β€’β€’β€’ 1234
Federal Bank

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
βœ… Best for: Budget international travellers wanting zero forex + free lounge
⭐ 4.5/5
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Yes Bank

Yes Bank Marquee Credit Card

Yes Bank
super-premium travel lounge-access air-miles
Annual Fee: β‚Ή9,999
Joining Fee: β‚Ή9,999
🎁 36 Reward Points per β‚Ή200 on travel; 12 on others; unlimited lounge
βœ… Best for: Premium Yes Bank customers wanting travel rewards and unlimited lounge
⭐ 4.4/5
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β€’β€’β€’β€’ 1234
HSBC TravelOne

HSBC TravelOne Credit Card

HSBC India
travel air-miles lounge-access forex
Annual Fee: β‚Ή4,999
Joining Fee: β‚Ή4,999
🎁 Transfer points to 10 airlines and 3 hotels; 3 points per β‚Ή100
βœ… Best for: Travel hackers wanting flexible point transfers to multiple airlines
⭐ 4.4/5
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Air India

Air India SBI Signature Credit Card

SBI Card
travel air-miles lounge-access
Annual Fee: β‚Ή4,999
Joining Fee: β‚Ή4,999
🎁 30 Air India Miles per β‚Ή100 on Air India; 5 Air India Miles on others
βœ… Best for: Frequent Air India flyers wanting maximum mileage accumulation
⭐ 4.4/5
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β€’β€’β€’β€’ 1234
RBL Bank

RBL Bank Insignia Preferred Banking Credit Card

RBL Bank
super-premium travel lounge-access
Annual Fee: β‚Ή12,000
Joining Fee: β‚Ή12,000
🎁 10 Reward Points per β‚Ή100; unlimited lounge access; concierge
βœ… Best for: RBL preferred banking customers wanting premium benefits
⭐ 4.4/5
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β€’β€’β€’β€’ 1234
Axis Bank

Axis Bank Vistara Signature Credit Card

Axis Bank
travel air-miles lounge-access
Annual Fee: β‚Ή3,000
Joining Fee: β‚Ή3,000
🎁 3 CV Points per β‚Ή200; welcome business class ticket
βœ… Best for: Frequent Vistara flyers building CV Points for upgrades
⭐ 4.4/5
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β€’β€’β€’β€’ 1234
IndusInd Bank

IndusInd Bank Pinnacle Credit Card

IndusInd Bank
travel lounge-access dining air-miles
Annual Fee: β‚Ή5,000
Joining Fee: β‚Ή5,000
🎁 2.5 Reward Points per β‚Ή100; bonus points on travel and dining
βœ… Best for: Premium spenders wanting international lounge and travel benefits
⭐ 4.3/5
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SBI Card

SBI Card Prime

SBI Card
dining lounge-access travel movie
Annual Fee: β‚Ή2,999
Joining Fee: β‚Ή2,999
🎁 10 Reward Points per β‚Ή100 on dining, movies, grocery; 2 on others
βœ… Best for: Mid-segment spenders wanting both lounge access and lifestyle rewards
⭐ 4.3/5
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β€’β€’β€’β€’ 1234
Standard Chartered

Standard Chartered Ultimate Credit Card

Standard Chartered
super-premium travel lounge-access forex
Annual Fee: β‚Ή5,000
Joining Fee: β‚Ή5,000
🎁 5 Reward Points per β‚Ή150; golf benefits; 1% forex cashback
βœ… Best for: Premium spenders wanting golf privileges and international lounge access
⭐ 4.3/5
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β€’β€’β€’β€’ 1234
Club Vistara

Club Vistara SBI Card PRIME

SBI Card
travel air-miles lounge-access
Annual Fee: β‚Ή2,999
Joining Fee: β‚Ή2,999
🎁 3 CV Points per β‚Ή200 on all spends; bonus Club Vistara tier points
βœ… Best for: Frequent Vistara flyers wanting CV Points and tier upgrades
⭐ 4.3/5
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β€’β€’β€’β€’ 1234
HDFC Marriott

HDFC Marriott Bonvoy Credit Card

HDFC Bank
travel air-miles
Annual Fee: β‚Ή3,000
Joining Fee: β‚Ή3,000
🎁 8 Bonvoy Points per β‚Ή150 at Marriott; 4 at others
βœ… Best for: Frequent Marriott hotel guests earning Bonvoy points
⭐ 4.3/5
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β€’β€’β€’β€’ 1234
HDFC Regalia

HDFC Regalia First Credit Card

HDFC Bank
lifetime-free lounge-access travel ♾️ Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 3 Reward Points per β‚Ή150; bonus points on milestone spends
βœ… Best for: Entry-level users wanting lounge access and zero annual fee
⭐ 4.2/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
Axis Bank

Axis Bank Privilege Credit Card

Axis Bank
travel lounge-access shopping
Annual Fee: β‚Ή1,500
Joining Fee: β‚Ή1,500
🎁 12 EDGE Reward Points per β‚Ή200; 15X on travel and grocery
βœ… Best for: Mid-segment users wanting travel rewards and lounge access
⭐ 4.2/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
ICICI Bank

ICICI Bank MMT Signature Credit Card

ICICI Bank
travel air-miles lounge-access
Annual Fee: β‚Ή2,500
Joining Fee: β‚Ή2,500
🎁 Up to 7% off on MakeMyTrip hotels and flights
βœ… Best for: Frequent MMT bookers wanting instant travel discounts
⭐ 4.2/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
AU Bank

AU Bank Vetta Credit Card

AU Small Finance Bank
travel lounge-access dining
Annual Fee: β‚Ή1,999
Joining Fee: β‚Ή1,999
🎁 10 Reward Points per β‚Ή100 on dining and travel; 5 on others
βœ… Best for: Mid-segment users wanting travel rewards and lounge access
⭐ 4.2/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
Bank of

Bank of Baroda ETERNA Credit Card

Bank of Baroda (BOB Card)
travel lounge-access dining
Annual Fee: β‚Ή1,499
Joining Fee: β‚Ή1,499
🎁 15 Reward Points per β‚Ή100 on travel and dining; 5 on others
βœ… Best for: BOB customers wanting travel rewards and international lounge access
⭐ 4.2/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
IRCTC SBI

IRCTC SBI Card Premier

SBI Card
travel lounge-access
Annual Fee: β‚Ή1,499
Joining Fee: β‚Ή1,499
🎁 10% value back on IRCTC ticket bookings; 1% on others
βœ… Best for: Frequent train travellers booking tickets on IRCTC
⭐ 4.2/5
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β€’β€’β€’β€’ 1234
Kotak Zen

Kotak Zen Signature Credit Card

Kotak Mahindra Bank
forex travel lounge-access
Annual Fee: β‚Ή1,500
Joining Fee: β‚Ή1,500
🎁 8 Reward Points per β‚Ή150; 4X on international spends
βœ… Best for: International travellers wanting rewards on foreign spends
⭐ 4.1/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
ICICI Bank

ICICI Bank Adani One Signature Credit Card

ICICI Bank
travel air-miles lounge-access
Annual Fee: β‚Ή500
Joining Fee: β‚Ή500
🎁 7% off on Adani One flight bookings; 3.5% on hotel bookings
βœ… Best for: Frequent flyers using Adani One travel platform
⭐ 4.1/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
RBL Bank

RBL Bank World Safari Credit Card

RBL Bank
travel forex lounge-access air-miles
Annual Fee: β‚Ή3,000
Joining Fee: β‚Ή3,000
🎁 5 Travel Reward Points per β‚Ή100; zero forex markup on international spends
βœ… Best for: Frequent international travellers wanting zero forex and travel rewards
⭐ 4.1/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
Standard Chartered

Standard Chartered EaseMyTrip Credit Card

Standard Chartered
travel lounge-access dining
Annual Fee: β‚Ή350
Joining Fee: β‚Ή350
🎁 20% off on EaseMyTrip; 5X points on dining and grocery
βœ… Best for: Frequent EaseMyTrip users booking flights and hotels
⭐ 4.0/5
See Details Apply Now β†’
β€’β€’β€’β€’ 1234
Federal Bank

Federal Bank VISA Signet Credit Card

Federal Bank
travel lounge-access dining
Annual Fee: β‚Ή499
Joining Fee: β‚Ή499
🎁 3 Reward Points per β‚Ή100; 10X on travel and dining
βœ… Best for: Federal Bank customers wanting rewards and lounge access
⭐ 3.9/5
See Details Apply Now β†’
FAQs

Common Questions about Travel Cards

What is the best Travel credit card in India for 2026? οΌ‹
The best card depends on your spending habits and income. Use our rankings above β€” they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? οΌ‹
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 Travel credit card? οΌ‹
Click "Apply Now" on any card β€” 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? οΌ‹
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.