Best Travel Credit Card: If you’re planning a trip abroad with friends or family this winter, choosing the right credit card can significantly reduce your travel costs. The forex markup charge on international transactions typically increases expenses, but cards with zero or low forex fees can ease this burden. Many high-end premium cards offer low forex charges, but their income and eligibility criteria are quite strict. Fortunately, there are many credit cards available today that offer travel rewards, lounge access, and other perks at low fees.
Scapia Federal Bank Credit Card
This card is an excellent option for those who want zero forex markup without any annual fee. This card can save up to 4 percent on travel bookings made through the Scapia app. It also offers unlimited domestic airport lounge access. Additionally, spending ₹10,000 per month also offers a discount of up to ₹1,000 at airports, making it a popular choice among budget travelers.
Earthquake AU Credit Card
This credit card also comes with no annual fee and no foreign exchange markup. You earn 10 reward points for every ₹200 spent online and 5 points for offline spending. Each reward point is worth ₹0.25. Bookings made through ixigo offer up to a 10% discount. Additionally, you also receive one international lounge visit, 8 domestic, and 8 railway lounge access per year. Travel bookings made through ixigo also increase the reward rate to 5%.
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IDFC FIRST WOW Credit Card
This is a secured credit card with no annual fee or foreign exchange markup charges. The card’s credit limit is equal to your fixed deposit. The minimum FD amount is ₹20,000. This card is especially useful for those who want to easily build their credit score.
RBL World Safari Credit Card
This card has an annual fee of ₹3,000, but in return, it offers the benefit of zero forex markup. Five points are awarded for every ₹100 on travel and retail spending, and two points on domestic spending. The card includes 8 domestic and 2 international lounge visits. If annual spending reaches ₹7.5 lakh, users can earn vouchers worth up to ₹10,000. Its base reward rate is around 1 percent, and it earns around 2.5 percent on travel spending.
IDFC FIRST Mayura Credit Card
This is a premium rewards card with an annual fee of ₹5,999 and zero forex markup. Cardholders get 16 international, 16 domestic, and 16 railway lounge access points annually. Flight bookings made through the app earn up to 10% rewards and up to 3.33% rewards on other categories. This also includes a quarterly discount of ₹5,000 on Postcard Hotels.
AU NOMO Credit Card
This is a secured card issued without an annual fee and carries a 0.99% forex markup. For every ₹20,000 spent quarterly, users receive two domestic and two railway lounge visits. Its effective reward rate can be around 2%, making it suitable for low-spending customers.
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MakeMyTrip ICICI Bank Credit Card
This card has an annual fee of ₹999 and a forex markup of 0.99%. Hotel bookings on the MakeMyTrip platform earn 6% myCash, while flight, holiday, cab, and bus bookings earn 3% myCash. Other expenses earn 1% myCash. It also offers access to 8 domestic and 1 international lounges.
AU Zenith+ Credit Card
This is a premium card with an annual fee of ₹4,999 and a forex markup of 0.99 percent. Two points are awarded for every ₹100 spent on dining, travel, and international expenses, while one point is awarded for other expenses. Each point is valued at ₹1. It offers access to 16 international and 16 domestic lounges. Taj Epicure membership is also available upon annual spends of ₹1.2 million
IDFC FIRST Ashva Credit Card
This card has an annual fee of ₹2,999 and a forex markup of 1 percent. It offers 5x reward points on monthly spends up to ₹20,000, and 10x points on subsequent spending increases. Hotel bookings using the IDFC app offer 50x reward points, and flight bookings offer 30x reward points. This includes 16 domestic, 8 international, and 16 railway lounge access points annually.
YES Bank Marquee Credit Card
This card comes with an annual fee of ₹4,999 and a 1% forex markup. 36 YES Rewardz points are earned for every ₹200 spent onlin,e and 18 points for offline spending. Cardholders receive 6 domestic lounge access points per quarter, for a total of 24 domestic lounge visits per year. Unlimited international lounge access and 8 guest visits are also available. The reward rate on online spending can reach approximately 4.5%, while on offline spending it is approximately 2.25%.