Thursday, December 5, 2024

The Best Credit Cards for International Travel in 2024

If you frequently travel abroad, selecting the best credit card for international travel can help you unlock travel perks. Whether you’re on a holiday or a work trip, these cards offer international lounge access, discounts on overseas flight tickets and more, making your travel convenient and rewarding. 

Using such cards for regular transactions helps you to also earn reward points. You can redeem them to reduce your travel expenses, too. In addition to these benefits, you must consider other factors, such as annual charges, to get a clearer picture before finalising the card.

Perks of Using Such Credit Cards During International Travel

They can help you enhance your travel experience. Some of the most common benefits are listed here:

  1. Utilisation Flexibility: You can earn on travel-related spending, and also on everyday purchases like groceries, dining and fuel. This allows you to accumulate points faster, even when you’re not on the road.
  2. Lounge Access: This can give you the utmost comfort during hectic travels, providing you with luxurious lounge access. As international travel takes hours, you can use the space to relax, work and enjoy complimentary refreshments.
  3. Forex Transactions: These credit cards help you save money on overseas purchases by having very low or even zero foreign transaction fees. They eliminate the need to carry large amounts of foreign currency and are a boon for international travellers.
  4. Insurance Protection: Many travel credit cards provide built-in travel insurance, which helps maximise your savings by avoiding separate expenses. Travel insurance usually covers: 
  • Trip Cancellation
  •  Lost Luggage
  •  Medical Emergencies
  1. Welcome Offers: Credit card companies often provide sign-up bonuses, including a large number of points or miles, when you meet a specified spending requirement within the first few months of owning the card.
  2. Other Perks: Different cards provide different perks; usually the benefits include: 
  • Complimentary checked-in baggage
  • Upgradation of hotel rooms
  • Priority check-in
  1. Rewards Program: The major attraction of travel credit cards is the ability to earn miles or points on every purchase. These rewards can be redeemed for different purposes, making your international travel affordable:
  • Flight Tickets
  • Hotel Accommodation
  • Travel Expenses

Best Credit Card for International Travel

While there are extensive benefits attached to such credit cards, it’s essential to consider the annual and joining fees to make an informed decision. These are a few cards providing attractive travel benefits:

Credit Card Annual Fee Joining Fee Travel Perks

IDFC Wow Credit Card

Nil Nil
  • Makes international transactions convenient since there are no forex markup charges
  • Provides complimentary roadside assistance, ensuring you are stress-free during a commute

HDFC Bank Infinia Credit Card

₹12,500 ₹12,500
  • Enjoy complimentary Club Marriott membership for a year and dining discounts of up to 20% in the Asia Pacific region
  • Get an extra night for a 2-night stay in participating ITC hotels
  • Provides lowest forex markup fee of 2% on international transactions

Axis Bank Magnus Credit Card

₹12,500 ₹12,500
  • Enjoy unlimited free international lounge access
  • Take up to 4 guests to access the lounge with a priority pass card
  • Enjoy complimentary lounge access at selected domestic airports
  • Enjoy up to 15% off on hotel bookings at Oberoi and Trident Hotels

InterMiles HDFC Bank Signature Credit Card

₹2,500 ₹2,500
  • Get free InterMiles Membership for the first year, including various benefits 
  • Get a bonus of ₹8000 InterMiles
  • Get 3000 Intermiles on spending ₹6000 within 30 days
  • Get 5000 InterMiles on spending above ₹90,000 within 90 days
  • Get a welcome voucher of ₹750 redeemable on flight tickets and a voucher of ₹2000 redeemable on hotel bookings
  • Earn 12 InterMiles for every ₹150 spent on flight and hotel bookings
  • Earn 2X bonus on Etihad Airways tickets 
  • Avail 5% discount on Etihad Airways economy class ticket  
  • Avail 10% discount on Etihad Airways business class ticket

Standard Chartered EaseMyTrip Credit Card

₹350 ₹350
  • Enjoy complimentary lounge access twice per year
  • Avail 10% discount on hotel bookings and a 20% discount on flight bookings when booked through the EaseMyTrip website or app
  • Earn 10X reward points on every ₹100 spent on stand-alone hotels and airlines

 

Selecting the best travel credit card becomes much easier with this knowledge. You can choose based on your travel needs and the associated fees. 

If you are looking for a credit card with exciting travel perks and other offers, choose the One Credit Card. This premium metal credit card enables you to save up to ₹5000 on Yatra and up to ₹1000 on EaseMyTrip when making flight bookings. You can also earn up to 5X reward points every month on your top two spending categories. 

Moreover, you can use the forex calculator on its powerful mobile app and plan your international vacation easily. Apply online to enjoy all the perks of this lifetime-free credit card.

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