✅ Handpicked by FindMyCard · Updated August 2026

Top 7 Travel Credit Cards

From 33% hotel rewards to zero-hassle cashbacks, these cards are ranked by real-world value.

1 🏆 Top Pick

HDFC Infinia Credit Card Metal Edition

4.9/5

HDFC Bank

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Joining Fee ₹12,500 + Taxes

Annual Fee ₹12,500 + Taxes

Best Suited For High-Net-Worth Individuals & Frequent Luxury Travelers

Rewards Type Reward Points

Rewards Rate

5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings

Welcome Benefits

12,500 Reward Points upon fee payment and card activation

Card Details +

Key Advantages

✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
✓ Complimentary Club Marriott membership and golf games globally
✓ Low foreign currency markup fee of 2% + Taxes

Limitations

✕ Strict invite-only eligibility criteria and high income threshold
✕ ₹12,500 annual fee charged upfront (offset by 12,500 points on payment)
✕ SmartBuy rewards capped at 15,000 points/month; brand vouchers sub-capped at 3,000 points/month (from Jul 2026)

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Axis Bank ATLAS Credit Card

4.8/5

Axis Bank

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Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Frequent Travelers & Airline/Hotel Miles Transfers

Rewards Type Reward Points

Rewards Rate

5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends

Welcome Benefits

5,000 EDGE Miles upon completing 1st transaction within 30 days

Card Details +

Key Advantages

✓ 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
✓ 5 EDGE Miles per ₹100 spent on flight & hotel bookings
✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
✓ Complimentary domestic & international airport lounge visits
✓ Flexible redemption directly on airline/hotel loyalty programs

Limitations

✕ ₹5,000 annual fee non-waivable via spend milestone (offset by tier miles)
✕ 5X travel miles apply only up to ₹2,00,000 monthly spend; drops to 2X beyond that
✕ Reward redemption requires transferring to partner loyalty accounts

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American Express® Platinum Travel Credit Card

4.8/5

American Express

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Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Milestone Travel Vouchers & Taj Hotel Privileges

Rewards Type Reward Points

Rewards Rate

1 Membership Rewards Point per ₹50 spent (2% base, up to 2.85% with milestones)

Welcome Benefits

20,000 Membership Rewards Points on ₹1.9 Lakh spend; ₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend

Card Details +

Key Advantages

✓ ₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend
✓ 8 domestic lounge visits/year plus a complimentary Priority Pass membership
✓ Effective reward rate up to 2.85% including milestone bonuses
✓ Fee waiver threshold (Milestone Taj vouchers & travel gift cards worth ₹30,000+)

Limitations

✕ Milestone rewards were devalued in 2026 — the ₹1.9 Lakh tier was removed
✕ From October 2026, domestic lounge access depends on prior-quarter spend
✕ ₹7 Lakh spend is needed for the top-tier Taj voucher

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HDFC Regalia Gold Credit Card

4.4/5

HDFC Bank

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Joining Fee ₹2,500 + Taxes

Annual Fee ₹2,500 + Taxes

Best Suited For Frequent Domestic & International Travelers

Rewards Type Reward Points

Rewards Rate

4 points per ₹150 retail; 12 points on IndiGo, Air Asia & Easemytrip via SmartBuy

Welcome Benefits

2,500 Reward Points on first card transaction

Card Details +

Key Advantages

✓ 4 reward points per ₹150, a solid base earn rate
✓ 12X points on partner airlines & travel via HDFC SmartBuy
✓ 3 domestic lounge visits/quarter (conditional on ₹60,000 quarterly spend)
✓ Annual fee waived on ₹4 lakh annual spends, achievable for most cardholders
✓ Travel insurance up to ₹1 crore air accident cover

Limitations

✕ ₹2,500 annual fee charged upfront
✕ 3.75% monthly finance charges if you carry a balance
✕ Reward point value lower vs super-premium cards
✕ International lounge via Priority Pass capped at 6 visits/year (requires 4 retail transactions to activate)

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HSBC TravelOne Credit Card

4.7/5

HSBC Bank

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Joining Fee ₹5,000 + Taxes

Annual Fee ₹5,000 + Taxes

Best Suited For Instant Airline & Hotel Loyalty Transfers Globally

Rewards Type Reward Points

Rewards Rate

4 reward points per ₹150 on foreign currency & travel; 2 points per ₹150 on local spend

Welcome Benefits

20,000 bonus reward points on payment of joining fee

Card Details +

Key Advantages

✓ Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
✓ 4 reward points per ₹150 on foreign currency and travel transactions
✓ 4 complimentary domestic & 4 international airport lounge visits per year
✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Limitations

✕ ₹5,000 annual fee charged upfront
✕ 2 reward points per ₹150 on non-travel domestic spends
✕ High spend requirement (₹6 Lakh) for annual fee waiver

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Cashback SBI Credit Card

4.7/5

SBI Card

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Joining Fee ₹999 + Taxes

Annual Fee ₹999 + Taxes

Best Suited For Online Shopping, E-commerce, Food Delivery & General Outlays

Rewards Type Cashback

Rewards Rate

5% cashback on online spends; 1% cashback on offline spends

Welcome Benefits

Auto-credited statement cashback on online and offline transactions

Card Details +

Key Advantages

✓ Flat 5% cashback on eligible online purchases across e-commerce platforms
✓ 1% cashback on offline retail transactions
✓ Auto-credited statement balance cashback without manual redemption steps or fees
✓ Generous monthly cashback cap of up to ₹4,000 per statement cycle
✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Limitations

✕ Excludes utility, insurance, rent, wallet, fuel, jewelry, and school fee spends from cashback
✕ Does not offer instant merchant bank discounts during major e-commerce sales
✕ Airport lounge access and travel perks are excluded from the card portfolio

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Scapia Credit Card

4.7/5

Federal Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

✓ 100% Lifetime Free travel credit card with zero joining and annual fees
✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
✓ RuPay credit card variant available with native UPI payment support

Limitations

✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold

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Top 7 Travel Credit Cards at a Glance

Top 7 Travel Credit Cards Comparison Table
Card	Fee	Rating	Best For
1. HDFC Infinia Credit Card Metal Edition	₹12,500 + Taxes	★ 4.9	High-Net-Worth Individuals &...	View →
2. Axis Bank ATLAS Credit Card	₹5,000 + Taxes	★ 4.8	Frequent Travelers &...	View →
3. American Express® Platinum Travel Credit Card	₹5,000 + Taxes	★ 4.8	Milestone Travel Vouchers & Taj...	View →
4. HDFC Regalia Gold Credit Card	₹2,500 + Taxes	★ 4.4	Frequent Domestic &...	View →
5. HSBC TravelOne Credit Card	₹5,000 + Taxes	★ 4.7	Instant Airline & Hotel Loyalty...	View →
6. Cashback SBI Credit Card	₹999 + Taxes	★ 4.7	Online Shopping, E-commerce,...	View →
7. Scapia Credit Card	Free	★ 4.7	Frequent Travelers, Zero Forex...	View →

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