Travelling abroad or shopping from international websites is common these days. Whether it’s booking a hotel in Europe, buying products from Amazon US, or using services like Netflix or Apple, you need a credit card that works internationally. However, many Indian credit cards charge high forex markup fees (usually 3.5%) and don’t offer good travel benefits or global support.
That’s why choosing the best international credit card in India is very important. A good card should offer low or zero foreign transaction fees, airport lounge access, reward points, and global acceptance. Whether you’re a frequent traveler, a student studying abroad, or someone who shops globally, this article will help you find the right credit card.
This guide explains the top international credit cards in India, their benefits, fees, and how to choose one based on your needs. It’s written in simple language, so anyone can understand and decide with confidence.
Why You Need an International Credit Card in India
An international credit card lets you spend money outside India or on foreign websites without problems. Not all Indian cards work well overseas. A good international credit card can save you money, keep your transactions secure, and give you extra travel perks.
Here’s why you should consider applying for one:
- Saves on foreign exchange (forex) markup fees
- Helps you book flights, hotels, and taxis abroad
- Useful for paying tuition or rent if studying abroad
- Allows you to shop globally with better exchange rates
- Offers airport lounge access, insurance, and rewards
Now let’s look at the best international credit cards in India based on features, fees, and user type.
Best International Credit Cards in India (2025)
Below are the top credit cards in India that are great for international use. Each card has unique features suited for different types of users like travellers, online shoppers, students, or business people.
1. HSBC Cashback Credit Card
A great choice for beginners and international shoppers.
Key Benefits:
- Zero joining and annual fees
- 1.5% cashback on online spending (including international sites)
- Global acceptance through Visa network
- Forex markup fee: 3.5%
- Offers discounts on travel bookings and dining
2. HDFC Regalia Credit Card
A premium card with excellent travel and global usage benefits.
Key Benefits:
- Low forex markup of 2% (lower than most cards)
- Airport lounge access (domestic & international)
- Earn up to 4 reward points per ₹150 spent
- Complimentary travel insurance and concierge services
- Annual fee: ₹2,500 (waived if you spend ₹3 lakh/year)
3. Axis Bank Atlas Credit Card
Perfect for frequent international travelers.
Key Benefits:
- Earn EDGE Miles for flights and hotel bookings
- Convert points to airline miles or hotel loyalty points
- Low forex markup of 2%
- International lounge access via Priority Pass
- Annual Fee: ₹5,000 (benefits justify the cost)
4. SBI Card ELITE
A high-end card offering full travel perks and global usage.
Key Benefits:
- Welcome gifts worth ₹5,000
- Free lounge access worldwide (6 international visits/year)
- Club Vistara and Trident Privilege membership
- Forex markup: 1.99%
- Annual fee: ₹4,999
5. IndusInd Bank Pioneer Legacy Credit Card
Best for high-net-worth individuals with global spending habits.
Key Benefits:
- Lifetime free card with no joining/annual fee
- Forex markup: 2%
- 1 reward point for every ₹100 spent internationally
- Concierge and travel assistance included
- Premium customer service for global needs
6. ICICI Bank Sapphiro Credit Card
Ideal for people who love luxury travel and international shopping.
Key Benefits:
- International airport lounge access (DreamFolks + Visa)
- Rewards on all global and online spending
- Forex markup: 3.5%
- Annual fee: ₹3,500 (waived with high usage)
- Free spa sessions and golf rounds globally
What to Look for in an International Credit Card
Before choosing a credit card for international use, consider these key factors. These points help you avoid unnecessary fees and pick the best value.
Things to Check:
- Forex Markup Fee
- This is the extra charge for using your card in a foreign currency. Look for cards with 2% or lower forex fees.
- Reward Program
- Choose cards that give extra rewards on international spends. Some cards allow you to convert points to air miles.
- Global Acceptance
- Make sure the card is powered by Visa, MasterCard, or Amex, which work globally.
- Travel Perks
- Cards that offer lounge access, travel insurance, hotel discounts, etc., are more useful if you travel often.
- Fees
- Some cards charge annual or joining fees. Go for lifetime free cards if you want to save money.
- Customer Support
- 24×7 international customer service is important in case you face issues abroad.
Who Should Get an International Credit Card?
You should consider an international credit card if you:
- Travel abroad for work or vacation
- Study overseas or send children abroad
- Shop from foreign websites like Amazon, eBay, AliExpress, etc.
- Pay for international services like Netflix US, Adobe, or Spotify Global
- Need a backup payment method during international trips
Best International Credit Card for Students
Many students travel abroad for studies and need a credit card that helps with small expenses and emergencies.
Recommended Card: ICICI Bank Student Forex Credit Card
Benefits:
- Preloaded with USD, GBP, EUR, or other currencies
- Can be used for online fees, books, subscriptions, and groceries
- Reloadable and secure
- Works in most countries and ATMs
Best International Credit Card for Online Shopping
Recommended Card: Amazon Pay ICICI Credit Card
Benefits:
- No annual or joining fee
- Works on international Amazon websites
- 1% reward on all international spending
- Acceptable globally (Visa network)
- Best for online shoppers who prefer cashback
Tips to Use Your International Credit Card Safely
- Always enable international usage from your bank app before travel
- Inform your bank about your travel dates to avoid blocking
- Use cards with EMV chip and contactless technology
- Use a credit card over a debit card for international purchases (better security)
- Monitor transactions regularly to spot fraud early
FAQs
❓ What is the best international credit card in India?
The HDFC Regalia, Axis Bank Atlas, and SBI ELITE cards are top options for international use due to low forex fees and travel perks.
❓ Which card has the lowest foreign currency markup?
SBI ELITE (1.99%) and Axis Atlas (2%) have some of the lowest forex markup rates among Indian cards.
❓ Can I use an Indian credit card outside India?
Yes, but only if international usage is enabled. Also, check that the card is accepted globally (Visa/Mastercard/Amex).
❓ Is it better to use credit or debit card abroad?
Credit cards are safer and offer better protection. They often come with travel insurance, fraud protection, and better exchange rates.
❓ Can students get international credit cards?
Yes, some banks offer student-specific forex cards and credit cards. ICICI and HDFC offer such products with no credit score requirement.
❓ Do all credit cards work globally?
No. Only cards issued by international networks like Visa, MasterCard, or Amex are accepted worldwide.
Conclusion
If you’re planning to travel abroad, study overseas, or shop internationally, having the best international credit card in India is a smart move. These cards offer low foreign currency charges, better customer support, airport perks, and exciting reward programs.
For premium users, cards like HDFC Regalia, Axis Atlas, and SBI ELITE provide full value. If you want a zero-fee, beginner-friendly card, go for HSBC Cashback or Amazon Pay ICICI.
Choose the card that fits your lifestyle and usage pattern. Always compare forex fees, rewards, and benefits before applying. You’ll save more and enjoy a smoother global experience.
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