Last updated: |Data verified from official bank sources
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Best Cards for Foreign Spends
Low markup for international transactions
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Compare the top 2 cards in this category
43 cards foundCalculate rewards for your spending →
AU
Editor's Pick
AU Zenith Plus
AU Small Finance Bank
₹5K
per year
Reward: 1%
Forex: 0.99%
Lounge: 16/year
Ultra-low forex (0.99%) international travelers
HS
HSBC Premier Credit Card
HSBC India
₹20K
per year
Reward: 1.33%
Forex: 0.99%
Lounge: Unlimited
HSBC Premier banking customers
MU
OneCard Metal
Multiple (SBM/Federal/BOB)
FREE
per year
Reward: 2%
Forex: 1%
Free metal card, low forex travelers
IC
ICICI Emeralde Private Metal
ICICI Bank
₹12K
per year
Reward: 4%
Forex: 1.5%
Lounge: Unlimited
Ultra HNI customers
IN
IndusInd Avios Visa Infinite
IndusInd Bank
₹5K
per year
Reward: 1.5%
Forex: 1.5%
Lounge: 2/quarter via Priority Pass
British Airways and OneWorld alliance flyers
RB
RBL Bank Insignia
RBL Bank
₹7K
per year
Reward: 5%
Forex: 1.5%
Lounge: 2/quarter (₹35K spend req)
RBL's top-tier HNI card
IC
ICICI Emeralde
ICICI Bank
₹12K
per year
Reward: 4%
Forex: 1.5%
Lounge: Unlimited
ICICI's wealth management customers
AX
Axis Reserve
Axis Bank
₹50K
per year
Reward: 12.5%
Forex: 1.5%
Lounge: Unlimited
Ultra HNI invite-only customers
IN
IndusInd Legend
IndusInd Bank
₹0
per year
Reward: 1.5%
Forex: 1.8%
Lounge: Discontinued Mar 2025
Low forex markup (1.8%) international spenders
SB
SBI Card AURUM
SBI Card
₹10K
per year
Reward: 3%
Forex: 1.99%
Lounge: Unlimited
SBI's top-tier offering
SB
SBI Card ELITE
SBI Card
₹5K
per year
Reward: 2%
Forex: 1.99%
Lounge: 2/quarter
Movie lovers + travelers
ID
IDFC FIRST Select
IDFC FIRST Bank
FREE
per year
Reward: 3%
Forex: 1.99%
Lounge: 1/quarter (₹20K spend required from Apr 2026)
Best lifetime free card overall
HD
HDFC Infinia Metal
HDFC Bank
₹13K
per year
Reward: 3.33%
Forex: 2%
Lounge: Unlimited
Premium travelers spending ₹10L+/year
HD
HDFC Diners Club Black
HDFC Bank
₹10K
per year
Reward: 3.33%
Forex: 2%
Lounge: Unlimited
High spenders at large merchants
HD
HDFC Regalia Gold
HDFC Bank
₹3K
per year
Reward: 2.66%
Forex: 2%
Lounge: 12/year
Mid-tier spenders wanting lounge access
HD
HDFC Regalia
HDFC Bank
₹3K
per year
Reward: 2.66%
Forex: 2%
Lounge: 12/year
Upgrade path to Infinia
AX
Axis Magnus
Axis Bank
₹13K
per year
Reward: 6%
Forex: 2%
Lounge: Unlimited
Travelers with high spend
ST
Standard Chartered Ultimate
Standard Chartered
₹5K
per year
Reward: 3.33%
Forex: 2%
Lounge: 4/quarter
High reward rate including utilities/insurance
KO
Kotak White Reserve
Kotak Mahindra Bank
₹13K
per year
Reward: 2.5%
Forex: 2%
Lounge: Unlimited
Ultra-premium lifestyle with unlimited lounges
IN
IndusInd Duo Plus
IndusInd Bank
₹799
per year
Reward: 0.67%
Forex: 2%
Basic IndusInd rewards card
BA
BOB Eterna Credit Card
Bank of Baroda
₹2K
per year
Reward: 3%
Forex: 2%
Lounge: Unlimited (₹40K quarterly spend req)
BOB's premium travel card
HD
HDFC Millennia
HDFC Bank
₹1K
per year
Reward: 1%
Forex: 3.5%
Lounge: 8/year
Online shoppers on major platforms
HD
HDFC Marriott Bonvoy
HDFC Bank
₹3K
per year
Reward: 2%
Forex: 3.5%
Marriott loyalists
IC
ICICI Sapphiro
ICICI Bank
₹4K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/quarter
Premium lifestyle spenders
AX
Axis Select
Axis Bank
₹3K
per year
Reward: 5%
Forex: 3.5%
Lounge: 2/quarter (spend ₹50K required)
Lifestyle spenders wanting Priority Pass
SB
SBI SimplyCLICK
SBI Card
₹499
per year
Reward: 1%
Forex: 3.5%
Online shoppers, first credit card
AM
Amex Platinum Charge Card
American Express
₹78K
per year
Reward: 2.5%
Forex: 3.5%
Lounge: Unlimited
Ultra luxury travelers with ₹77K to spare
KO
Kotak Air+
Kotak Mahindra Bank
₹3K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Frequent travelers earning Air Miles
KO
Kotak IndianOil Credit Card
Kotak Mahindra Bank
₹449
per year
Reward: 2.67%
Forex: 3.5%
IndianOil fuel users with regular grocery/dining spends
IN
IndusInd Pinnacle
IndusInd Bank
₹0
per year
Reward: 2.5%
Forex: 3.5%
Lounge: Unlimited
Premium lifestyle spenders wanting no annual fee
IN
IndusInd Pioneer Heritage
IndusInd Bank
₹25K
per year
Reward: 1%
Forex: 3.5%
Lounge: Unlimited via LoungeKey
Ultra HNI IndusInd customers
IN
IndusInd Crest
IndusInd Bank
₹10K
per year
Reward: 1%
Forex: 3.5%
Lounge: 2/quarter
Invite-only premium IndusInd card
RB
RBL Bank Icon
RBL Bank
₹5K
per year
Reward: 2%
Forex: 3.5%
Lounge: 8/year
10X rewards on international + weekend dining
BA
BOB Premier Credit Card
Bank of Baroda
FREE
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Free premium card with travel benefits
PU
PNB RuPay Select
Punjab National Bank
₹750
per year
Reward: 1.33%
Forex: 3.5%
Lounge: 2/quarter
PSU bank customers wanting lounge access + insurance
PU
PNB Global Platinum
Punjab National Bank
₹2K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
PNB's premium Visa offering
CA
Canara Mastercard World
Canara Bank
₹3K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Canara's premium offering
HD
HDFC Freedom
HDFC Bank
₹500
per year
Reward: 0.67%
Forex: 3.5%
Entry-level card for app-based spending
AX
Axis Privilege
Axis Bank
₹2K
per year
Reward: 3%
Forex: 3.5%
Lounge: 4/year
Mid-premium Axis lifestyle card
AM
Amex Gold Card
American Express
₹9K
per year
Reward: 2%
Forex: 3.5%
Entry to Amex premium ecosystem
AM
Amex Platinum Reserve
American Express
₹10K
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Amex semi-premium tier
CI
Citi PremierMiles
Citibank
₹3K
per year
Reward: 4%
Forex: 3.5%
Lounge: 4/year via Priority Pass
Miles collectors (existing cardholders)
CI
Citi Prestige
Citibank
₹20K
per year
Reward: 4%
Forex: 3.5%
Lounge: Unlimited
Ultra premium (existing cardholders)
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Frequently Asked Questions
What is the best cards for foreign spends in India 2026?▼
The best cards for foreign spends in India for 2026 is AU Zenith Plus from AU Small Finance Bank, offering ultra-low forex (0.99%) international travelers.
How many cards for foreign spends are available in India?▼
We compare 43 cards for foreign spends from top Indian banks including HDFC, Axis, SBI, ICICI, and more.
How do I choose the right cards for foreign spends?▼
Consider your spending patterns, required features like forex rates, annual fees, and eligibility requirements. Use our Card Finder quiz for personalized recommendations.
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023