10 Best Travel 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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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 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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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

✅ Best for: Anyone wanting premium lounge access and high rewards for free

⭐ 4.8/5

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HDFC Diners Club Black Metal Edition

HDFC Bank

super-premium travel lounge-access dining

Annual Fee: ₹10,000

Joining Fee: ₹10,000

🎁 5 Reward Points per ₹150; premium Diners Club acceptance

✅ Best for: Super-premium users wanting global lounge access and concierge

⭐ 4.8/5

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IndusInd Bank Celesta Credit Card

IndusInd Bank

super-premium travel lounge-access dining

Annual Fee: ₹40,000

Joining Fee: ₹40,000

🎁 1 Reward Point per ₹100; unlimited lounge access; golf; butler service

✅ Best for: Ultra-premium IndusInd private banking customers

⭐ 4.7/5

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HDFC Regalia Gold Credit Card

HDFC Bank

Travel Lounge Access Premium

Annual Fee: ₹2,500/yr

Joining Fee: ₹2,500

🎁 4 Reward Points per ₹150 spent on all categories

✅ Best for: Frequent domestic flyers wanting premium travel benefits

⭐ 4.7/5

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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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Kotak White Reserve Credit Card

Kotak Mahindra Bank

super-premium travel lounge-access

Annual Fee: ₹12,500

Joining Fee: ₹12,500

🎁 5X Rewards on spends above ₹1L/month; unlimited lounge access

✅ Best for: Ultra-premium spenders wanting exclusive banking privileges

⭐ 4.6/5

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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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Standard Chartered Priority Banking Credit Card

Standard Chartered

super-premium travel lounge-access lifetime-free ♾️ Lifetime Free

Annual Fee: Free

Joining Fee: Free

🎁 3X Rewards on all spends; 6X on travel; unlimited Priority Pass

✅ Best for: SC Priority Banking customers wanting premium travel perks

⭐ 4.6/5

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IndusInd Bank Legend Credit Card

IndusInd Bank

super-premium travel lounge-access dining

Annual Fee: ₹9,999

Joining Fee: ₹9,999

🎁 2 Reward Points per ₹100; unlimited lounge access; Taj Epicure membership

✅ Best for: Premium lifestyle spenders wanting Taj hotel benefits and unlimited lounge

⭐ 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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ICICI Bank Sapphiro Credit Card

ICICI Bank

super-premium travel lounge-access

Annual Fee: ₹3,500

Joining Fee: ₹6,500

🎁 4 PAYBACK Points per ₹100; golf, concierge, lounge access

✅ Best for: Premium spenders wanting international lounge access and golf privileges

⭐ 4.5/5

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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

See Details Apply Now →

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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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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 ₹5L/year

✅ Best for: HSBC Premier banking customers wanting unlimited global lounge access

⭐ 4.5/5

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SBI Card Elite

SBI Card

Premium Travel Lounge Access Dining

Annual Fee: ₹4,999/yr

Joining Fee: ₹4,999

🎁 5 Reward Points per ₹100; 10X on dining and groceries

✅ Best for: Premium cardholders wanting lounge access with a trusted brand

⭐ 4.5/5

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AU Bank Zenith Plus Credit Card

AU Small Finance Bank

super-premium travel lounge-access dining

Annual Fee: ₹4,999

Joining Fee: ₹4,999

🎁 20 Reward Points per ₹100 on dining and travel; 10 on others

✅ Best for: Premium spenders wanting high rewards and unlimited lounge access

⭐ 4.5/5

See Details Apply Now →

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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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AU Bank Lit Credit Card Premium

AU Small Finance Bank

cashback lounge-access travel lifestyle

Annual Fee: ₹999

Joining Fee: ₹999

🎁 Choose 2 of 8 benefit categories each quarter: cashback/miles/lounge/dining/fuel/OTT

✅ Best for: Sophisticated users wanting full control over their card 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

See Details Apply Now →

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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

See Details Apply Now →

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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

See Details Apply Now →

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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

See Details Apply Now →

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Kotak Privy League Signature Credit Card

Kotak Mahindra Bank

super-premium lounge-access travel lifetime-free ♾️ Lifetime Free

Annual Fee: Free

Joining Fee: Free

🎁 4 Reward Points per ₹100; Priority Pass lounge access

✅ Best for: Kotak Privy League customers wanting premium card perks

⭐ 4.4/5

See Details Apply Now →

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RBL Bank Insignia Preferred Banking Credit Card

RBL Bank

super-premium travel lounge-access

Annual Fee: ₹12,000

Joining Fee: ₹12,000

🎁 10 Reward Points per ₹100; unlimited lounge access; concierge

✅ Best for: RBL preferred banking customers wanting premium benefits

⭐ 4.4/5

See Details Apply Now →

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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

See Details Apply Now →

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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

See Details Apply Now →

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SBI Card Prime

SBI Card

dining lounge-access travel movie

Annual Fee: ₹2,999

Joining Fee: ₹2,999

🎁 10 Reward Points per ₹100 on dining, movies, grocery; 2 on others

✅ Best for: Mid-segment spenders wanting both lounge access and lifestyle rewards

⭐ 4.3/5

See Details Apply Now →

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Standard Chartered Ultimate Credit Card

Standard Chartered

super-premium travel lounge-access forex

Annual Fee: ₹5,000

Joining Fee: ₹5,000

🎁 5 Reward Points per ₹150; golf benefits; 1% forex cashback

✅ Best for: Premium spenders wanting golf privileges and international lounge access

⭐ 4.3/5

See Details Apply Now →

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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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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

See Details Apply Now →

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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

See Details Apply Now →

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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 Regalia First Credit Card

HDFC Bank

lifetime-free lounge-access travel ♾️ Lifetime Free

Annual Fee: Free

Joining Fee: Free

🎁 3 Reward Points per ₹150; bonus points on milestone spends

✅ Best for: Entry-level users wanting lounge access and zero annual fee

⭐ 4.2/5

See Details Apply Now →

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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

See Details Apply Now →

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Axis Bank Privilege Credit Card

Axis Bank

travel lounge-access shopping

Annual Fee: ₹1,500

Joining Fee: ₹1,500

🎁 12 EDGE Reward Points per ₹200; 15X on travel and grocery

✅ Best for: Mid-segment users wanting travel rewards and lounge access

⭐ 4.2/5

See Details Apply Now →

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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

See Details Apply Now →

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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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AU Bank Vetta Credit Card

AU Small Finance Bank

travel lounge-access dining

Annual Fee: ₹1,999

Joining Fee: ₹1,999

🎁 10 Reward Points per ₹100 on dining and travel; 5 on others

✅ Best for: Mid-segment users wanting travel rewards and lounge access

⭐ 4.2/5

See Details Apply Now →

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Bank of Baroda ETERNA Credit Card

Bank of Baroda (BOB Card)

travel lounge-access dining

Annual Fee: ₹1,499

Joining Fee: ₹1,499

🎁 15 Reward Points per ₹100 on travel and dining; 5 on others

✅ Best for: BOB customers wanting travel rewards and international lounge access

⭐ 4.2/5

See Details Apply Now →

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IRCTC SBI Card Premier

SBI Card

travel lounge-access

Annual Fee: ₹1,499

Joining Fee: ₹1,499

🎁 10% value back on IRCTC ticket bookings; 1% on others

✅ Best for: Frequent train travellers booking tickets on IRCTC

⭐ 4.2/5

See Details Apply Now →

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Kotak Zen Signature Credit Card

Kotak Mahindra Bank

forex travel lounge-access

Annual Fee: ₹1,500

Joining Fee: ₹1,500

🎁 8 Reward Points per ₹150; 4X on international spends

✅ Best for: International travellers wanting rewards on foreign spends

⭐ 4.1/5

See Details Apply Now →

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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

See Details Apply Now →

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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

See Details Apply Now →

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Federal Bank Celesta Credit Card

Federal Bank

travel lounge-access dining

Annual Fee: ₹999

Joining Fee: ₹999

🎁 5 Reward Points per ₹100 on travel; 3 on dining; golf

✅ Best for: Premium Federal Bank customers wanting travel rewards

⭐ 4.1/5

See Details Apply Now →

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ICICI Bank NRI Credit Card

ICICI Bank

forex travel lounge-access

Annual Fee: ₹1,000

Joining Fee: ₹1,000

🎁 2 PAYBACK Points per ₹100; zero forex on international spends

✅ Best for: NRIs wanting forex-free card benefits

⭐ 4.0/5

See Details Apply Now →

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IRCTC SBI Card

SBI Card

travel

Annual Fee: ₹300

Joining Fee: ₹500

🎁 1.8% value back on IRCTC AC bookings; 1% on others

✅ Best for: Frequent IRCTC rail travellers

⭐ 4.0/5

See Details Apply Now →

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Standard Chartered EaseMyTrip Credit Card

Standard Chartered

travel lounge-access dining

Annual Fee: ₹350

Joining Fee: ₹350

🎁 20% off on EaseMyTrip; 5X points on dining and grocery

✅ Best for: Frequent EaseMyTrip users booking flights and hotels

⭐ 4.0/5

See Details Apply Now →

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Yatra SBI Card

SBI Card

travel cashback

Annual Fee: ₹499

Joining Fee: ₹499

🎁 6X Reward Points on Yatra.com; discounts on domestic flights

✅ Best for: Yatra.com customers booking domestic flights and hotels

⭐ 3.9/5

See Details Apply Now →

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Federal Bank VISA Signet Credit Card

Federal Bank

travel lounge-access dining

Annual Fee: ₹499

Joining Fee: ₹499

🎁 3 Reward Points per ₹100; 10X on travel and dining

✅ Best for: Federal Bank customers wanting rewards and lounge access

⭐ 3.9/5

See Details Apply Now →

FAQs

Common Questions about Travel Cards

What is the best Travel 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 Travel 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 Travel Credit Cards in India (2026)

HDFC Infinia Metal Credit Card

American Express Platinum Charge Card

ICICI Emeralde Private Metal Card

ICICI Emeralde Private Metal Credit Card

Axis Bank Magnus Credit Card

IDFC FIRST Wealth Credit Card

HDFC Diners Club Black Metal Edition

IndusInd Bank Celesta Credit Card

HDFC Regalia Gold Credit Card

Axis Bank Atlas Credit Card

Kotak White Reserve Credit Card

American Express Gold Charge Card

Standard Chartered Priority Banking Credit Card

IndusInd Bank Legend Credit Card

HDFC Diners Club Privilege Credit Card

ICICI Bank Sapphiro Credit Card

SBI Card Miles Elite

American Express Platinum Travel Credit Card

HSBC Premier Mastercard Credit Card

SBI Card Elite

AU Bank Zenith Plus Credit Card

Federal Bank Scapia Credit Card

AU Bank Lit Credit Card Premium

Yes Bank Marquee Credit Card

HSBC TravelOne Credit Card

Axis Bank Horizon Credit Card

Air India SBI Signature Credit Card

Kotak Privy League Signature Credit Card

RBL Bank Insignia Preferred Banking Credit Card

Axis Bank Vistara Signature Credit Card

IndusInd Bank Pinnacle Credit Card

SBI Card Prime

Standard Chartered Ultimate Credit Card

Club Vistara SBI Card PRIME

HDFC Marriott Bonvoy Credit Card

HDFC Bank 6E Rewards XL Credit Card

IndusInd Bank Avios Visa Credit Card

HDFC Regalia First Credit Card

HDFC Bank All Miles Credit Card

Axis Bank Privilege Credit Card

SBI Card Miles Prime

ICICI Bank MMT Signature Credit Card

AU Bank Vetta Credit Card

Bank of Baroda ETERNA Credit Card

IRCTC SBI Card Premier

Kotak Zen Signature Credit Card

ICICI Bank Adani One Signature Credit Card

RBL Bank World Safari Credit Card

Federal Bank Celesta Credit Card

ICICI Bank NRI Credit Card

IRCTC SBI Card

Standard Chartered EaseMyTrip Credit Card

Yatra SBI Card

Federal Bank VISA Signet Credit Card

Common Questions about Travel Cards