Credit cards give you the ability to borrow money from the card issuer up to a set limit. One of the most common misconceptions about credit cards is that they take a long time to get accepted; yet, banks now provide consumers with Instant Credit Card Approval. Always look for the credit card with the lowest foreign currency transaction cost before applying for a credit card for international use. Avoiding cash payments is difficult, especially in the aftermath of the COVID-19 outbreak, but it is now possible with the use of an International Credit Card. It’s not only possible, but it’s also now a painless way to pay for your daily expenses when travelling overseas by simply using your foreign credit card. To get your credit card application approved, you’ll need a strong CIBIL score.
There are numerous credit cards in India for international travel purposes
HDFC Bank Regalia Credit Card
If you’re looking for a card that gives you benefits when you dine out, travel, or spend money on entertainment in other countries, the HDFC Bank Regalia Credit Card is a great choice. HDFC charges INR 2500 per year for this card. If you spend INR 5 lakh in a year, you will receive 10,000 reward points. You will gain 5000 reward points if you spend INR 8 lakh per year. In India, you get 12 free lounge visits per year, encompassing local and international terminals. For a year, you’ll also have access to the benefits of Zomato Gold Membership.
CITI Premiermiles Credit Card
With the CITI PREMIERMILES Credit Card, Citibank offers travellers a fantastic alternative with complimentary plane ticket packages from over 100 airlines. Frequent flyers can earn air miles by making purchases with their credit cards and then redeeming the miles for future travel for INR 3000 per year. Citibank imposes a 3.5 per cent foreign currency fee for this card, and the monthly interest rate ranges from 3.10 to 3.75 per cent. There is a monthly late fee of INR 100. You may also use the points to pay for vehicle rentals and hotel stays.
Yatra SBI Credit Card
The Yatra SBI Credit Card allows you to take advantage of some fantastic travel deals. The card’s advantages aren’t restricted to travel; it also offers reward points for shopping, among other things. The card costs INR 499 for a one-time purchase and INR 499 for an annual subscription. You’ll get two coupons for every INR 500 domestic flight. You will receive two INR 1000 discounts for international travel. You’ll get an INR 750 voucher if you use the card to book hotel stays. When you use the card on Yatra.com, grocery stores, and department stores, you’ll gain 6x reward points. Obtain access to MasterCard’s premium airport lounges, which are located around the United States.
Axis Bank’s Miles & More World Credit Card
The Axis Bank Miles & More World Credit Card allows you to earn unlimited miles on qualified purchases, making it a terrific choice for frequent travellers. Cardholders must pay a joining charge of INR 3500 and an annual fee of INR 3500. When you eat at one of our partner restaurants, you’ll save at least 15%. In your first year of travel, you might earn up to 55,000 miles. The Priority Pass Lounge is available to Priority Pass subscribers.
ICICI Bank InterMiles Coral Credit Card
ICICI Bank offers a variety of international travel cards, the most basic of which is the InterMiles Coral Credit Card, which costs INR 1250 per year. This card will offer you 2,500 additional InterMiles within 45 days of paying the registration fee. InterMiles can be earned on every purchase you make, as well as when you join and renew your card every year. For every INR 100 spent on the card, you can earn up to 7.5 InterMiles. The airport lounge is complimentary.
However, to qualify for these credit cards, you must have a CIBIL Score of 750 or higher in order to meet the bank’s eligibility requirements and receive approval on your credit card application. If your CIBIL score is low, you can raise it before applying for a credit card to increase your chances of getting approved.