Best 5 International Travel Credit Cards in 2025

Best 5 International Travel Credit Cards in 2025. Traveling internationally requires a reliable and rewarding credit card to ensure seamless transactions, avoid hefty foreign exchange fees, and maximize travel perks. In this guide, we’ll explore the best international travel credit cards available, comparing their benefits, fees, and rewards to help you make an informed decision.

Best 5 International Travel Credit Cards in 2025

1. American Express Platinum Travel Card

• Annual Fee: ₹5,000
• Website Link
• Key Benefits:
  • Complimentary airport lounge access (domestic & international)
  • Earn travel rewards and redeem for flights & hotels
  • Foreign exchange markup: 3.5%

2. RBL World Safari Credit Card

• Annual Fee: ₹3,000
• Key Benefits:
  • Zero foreign exchange markup fee
  • Complimentary Priority Pass membership
  • Travel insurance coverage

3. HDFC Regalia Credit Card

• Annual Fee: ₹2,500
• Key Benefits:
  • International lounge access
  • High reward points on travel bookings
  • Foreign exchange markup: 2%

4. SBI Elite Credit Card

• Annual Fee: ₹4,999
• Key Benefits:
  • Complimentary Club Vistara membership
  • Access to over 600 international lounges
  • 2% foreign exchange markup

5. Axis Bank Magnus Credit Card

• Annual Fee: ₹10,000
• Key Benefits:
  • Unlimited international lounge access
  • Complimentary domestic flight tickets
  • Low forex markup at 2%

Key Factors to Consider When Choosing a Travel Credit Card

1. Foreign Exchange Markup Fees

Credit card transactions in foreign currencies often include a markup fee. Some cards, like the RBL World Safari Credit Card, offer zero forex charges, making them cost-effective for frequent travelers.

2. Reward Points & Travel Benefits

• Opt for cards offering airline miles, hotel discounts, and travel vouchers.
• American Express Platinum and HDFC Regalia are great choices for maximizing travel rewards.

3. International Lounge Access

Many travel credit cards come with complimentary Priority Pass memberships, granting access to exclusive airport lounges worldwide.

4. Annual Fees & Waivers

Consider whether the card’s benefits outweigh its annual fee. Many cards waive fees if you meet a specific annual spending threshold.

5. Travel Insurance & Protection

Premium travel cards provide coverage for flight cancellations, lost baggage, and medical emergencies, ensuring peace of mind while abroad.

Comparison Table: Best International Travel Credit Cards

Credit Card	Annual Fee	Forex Markup	Lounge Access	Travel Rewards
Amex Platinum Travel	₹5,000	3.5%	Yes	High
RBL World Safari	₹3,000	0%	Yes	Moderate
HDFC Regalia	₹2,500	2%	Yes	High
SBI Elite	₹4,999	2%	Yes	Moderate
Axis Bank Magnus	₹10,000	2%	Unlimited	High

How to Apply for an International Travel Credit Card

Eligibility Criteria

• Age: 21-60 years
• Stable source of income
• Good credit score (above 750 preferred)

Documents Required

• PAN Card
• Identity Proof (Aadhaar, Passport, Voter ID)
• Address Proof
• Income Proof (Salary Slip/ITR)

Application Process

1. Visit the bank’s official website or apply via third-party financial platforms.
2. Fill out the online application form with personal and financial details.
3. Upload required documents for verification.
4. Await approval and receive your card within 7-10 days.

FAQ

Conclusion

Choosing the best international travel credit card depends on your travel frequency, spending habits, and preference for perks like lounge access, travel insurance, and forex benefits. Compare the options above to find the perfect travel companion for your global adventures.

Have a favorite travel credit card? Let us know in the comments below! Don’t forget to share this guide with fellow travelers.

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