Travel cards
Best Travel Credit Cards in India
Compare travel credit cards for miles, hotel value, lounge access, forex usage, fees, and best redemption paths.
Shortlist coverage8
5 issuers represented · best modeled value ₹16,000/yr
Top shortlist
Cards to compare first
Ranked from current card data, fee math, category fit, and modeled spend assumptions.
#1
HDFC · Diners Club
HDFC Diners Club Black Metal Edition
5 points per ₹150 eligible retail spend; ₹0.30/point statement credit or ₹1/point eligible SmartBuy travel. Portal boosts excluded from generic model.
₹16,000estimated value/yr₹10,000annual fee59lounge access
Full details #2
HDFC · MasterCard
HDFC Infinia Metal
5 points per ₹150 eligible retail spend; ₹0.30/point statement credit or ₹1/point eligible SmartBuy travel. Portal boosts excluded from generic model.
₹13,500estimated value/yr₹12,500annual fee33lounge access
Full details #3
ICICI · Visa
MakeMyTrip ICICI Bank Credit Card
Earn MMT MyCash on bookings: up to 6% on hotels and 3% on flights/holidays/cabs/buses, plus 1% on other eligible spends.
₹11,895estimated value/yr₹500annual fee75lounge access
Full details #4
HDFC · RuPay
Tata Neu Infinity
1.5% NeuCoins on eligible non-UPI retail; 0.5% eligible UPI through any app, up to 1.5% using Tata Neu UPI ID. 500 NeuCoins/month combined UPI cap.
₹11,700estimated value/yr₹1,499annual fee12lounge access
Full details #5
AU Small Finance · RuPay
AU SPONT Credit Card
AU RuPay UPI card with 1% cashback on eligible UPI and other transactions, capped at ₹500 per statement cycle, plus AU Coins on UPI spends through AU 0101.
₹7,800estimated value/yr₹299annual fee2lounge access
Full details Travel cards need redemption discipline.
A travel card can outperform cashback only when you use airline, hotel, or portal redemptions well enough to justify the fee.
Domestic flyers and international flyers need different cards.
Domestic lounge access, forex markup, transfer partners, and milestone vouchers should be weighed separately for your actual routes.
FAQ
Decision notes
Are travel credit cards better than cashback cards?
Only if you redeem well and use travel benefits. Cashback is often better for users who do not travel regularly.
What matters most in a travel card?
Redemption value, transfer partners, lounge access rules, forex markup, annual fee, and milestone benefits.