When it comes to travelling, credit cards can be an effective tool for making transactions and also accessing travel benefits. However, choosing the best credit card for overseas travel differs from a card for domestic travel. What if your credit card provides the best inside and outside India? Although that seems too good to be true, Fi’s 5% credit card lets you have the best of both worlds.
When travelling internationally, you would need a credit card that has global acceptance. Also, consider reward benefits and annual fees into account when choosing the best credit card to travel.
Apart from the convenience of airline booking, a good credit card must also provide hotel benefits when travelling overseas. This post shares information about the best credit card for overseas travel in India to smoothen your next trip abroad.
The Air India SBI Signature credit card is undoubtedly the best credit card to travel internationally. It offers a complimentary membership to the Air India frequent flyer program, which is highly rewarding.
Members can avail of FR points on each flight with the qualifying fare of Reservations Booking Designator (RBD). Also, cardholders receive complimentary pass membership based on priority.
At an annual fee of Rs. 5000, you get additional free access to eight domestic lounges. The card also offers four reward points for every Rs. 100 spent.
The IDFC FIRST Wealth credit card is also among the best credit cards for overseas travel. It has a lower forex markup fee of 1.5% on all international transactions. Moreover, users get access to four airport lounges quarterly.
IDFC bank has tie-ups with over 900 luxury hotels, so cardholders can expect premium benefits too.
For instance, you receive up to 20% discount on 1500+ restaurants and 15% discount on over 3000 health and wellness centres. However, the best part about the card is that it charges zero annual fees.
This card offers a huge bonus of 8000 InterMiles to new users on joining. It also offers 3000 InterMiles after spending at least Rs. 6000 within the first 30 days of card activation. You can use these points to book flight tickets on the InterMiles website.
In addition, the cardholders get discount vouchers worth Rs. 750 and Rs. 2000 for booking flights and hotels, respectively. Users also receive an InterMiles Silver membership upon joining and after card renewal.
This is perhaps the best credit card for overseas travel simply because it has no foreign exchange markup charges. Users also get a free welcome voucher of Rs. 3000 from MakeMyTrip and a priority pass membership on all international lounges.
Plus, you can get two free domestic lounge access each quarter and 10000 travel points if you spend Rs. 2.5 lakh in a year. Users spending above Rs. 5 lakhs annually will receive an additional 15000 points on top of the 10000 points. However, the annual charge of Rs. 3000 may seem a bit high for the card. But the rewards make the card worth it.
Now that you know about the best credit cards for overseas travel, it will be easy for you to choose one that suits you. You can go ahead and compare what kind of card works for you. Fi Money also partners with Federal Bank, a trusted credit card issuer in India, to provide you with a co-branded 5% card.
You get guaranteed rewards on every purchase made with this card, and with time the rewards only increase. Also, new users receive a voucher of ₹5000 as a welcome bonus that they can use to purchase from the top 21 brands in India.
With the Fi 5% card, you get benefits like lounge access, lower Forex fees, and customized expense insights. So, you can forget about your money problems and fulfil your dreams with Fi.
The RBL World Safari Credit Card is one of the best credit cards for overseas travel. It offers zero forex mark-up charges, free lounge access, and travel points.
Visa and Mastercard are the two most widely accepted networks for international use. Any credit card within this network that offers lower forex fees, travel points, and lower annual fees is a good card to use.