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International Cards

An international credit card functions as a dedicated credit card for international transactions and makes purchasing online or at a point-of-sale (PoS) overseas extremely hassle-free. You can earn air miles, gain access to domestic and international airport lounges, and avail other amazing travel benefits with an international credit card.

Top 5 International Credit Cards and their Features

Below listed are details about 5 best international credit cards along with their features and charges. Have a look:

Card Name

Features

Charges

Citi PremierMiles Credit Card

  • 6 visits per card, per quarter in a calendar year

  • 8 visits per card, per quarter in a calendar year

  • 10,000 air miles as a welcome gift

  • 3,000 bonus miles on renewal, 4 miles against every ₹100 spent, 10 miles against every ₹100 spent on premiermiles.co.in

Annual Fee

₹3,000

Foreign Transaction Charges

3.5% mark-up

Cash Advance Fee

2.0% of the amount withdrawn (min. ₹300)

Finance Charges

3.35% per month or 40.2% per year

SBI Card ELITE

 

  • Welcome e- Gift Voucher worth ₹5,000 redeemable across brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

  • Complimentary membership to the Priority Pass Program worth $99

  • 6 complimentary Airport Lounge visits outside India every year

  • Access to over 1,000 global airport lounges

  • Complimentary Club Vistara and Trident Privilege Red Tier membership

 

Annual Fee

₹4,999 + taxes

Foreign Transaction Charges

1.99% mark-up

Dynamic Currency Conversion

1.99% mark-up (transaction > = ₹1,000)

Card Replacement When Abroad

Actual cost ($175 minimum)

Finance Charges

3.35% per month or 40.2% per year

Overlimit Charges

2.5% or exceeded amount or ₹ 500, whichever is higher

HDFC Infinia Credit Card

  • Unlimited airport lounge access for both primary and add-on card across the globe

  • Complimentary membership for a year from Club Marriott with up to 20 per cent discount on dining and hotel stays across the Asia Pacific region.

  • Welcome benefit of 12,500 reward points

  • Emergency overseas hospitalisation cover up to ₹50 lakh

  • Credit Shield cover up to ₹9 lakh

Annual Fee

₹10,000 (waived on spends of ₹8 lakh)

Foreign Transaction Charges

2% mark-up

Revolving Credit Charges

1.99% per month or 23.88% annually

Overlimit Charges

2.5% of the over-limit amount, minimum ₹550

RBL World Safari Credit Card

  • Welcome voucher of MakeMyTrip voucher worth ₹3,000

  • Earn 2 Travel Points for every ₹100 spent on all your purchases

  • Earn 5 Travel Points for every ₹100 spent on Travel spends

  • 10,000 bonus Travel Points on spends of ₹2.5 lakh in a year

  • Additional 15,000 Travel Points on spends of ₹5 lakh in a year

  • Access to 1,300+ international airport lounges and 2 complimentary lounge visits through complimentary Priority Pass membership

Annual Fee

₹3,000

Renewal Fee

₹3,000

Markup Fee on Foreign Currency Transaction

0%

Air India SBI Signature Card

  • Welcome gift of 20,000 Reward points on payment of your joining fee

  • Air India Frequent Flyer program (Flying Returns complimentary membership)

  • Can convert 1 Reward point into 1 Air India Air mile.

  • Enjoy International Airport Luxury Lounge Access over 600 airport lounges via the complimentary Priority Pass Program

 

Annual Fee

₹4,999

Renewal Fee

₹ 4,999

Add-On Fee

Nil

 

How to Apply for International Credit Cards?

You can easily apply for an international credit card online. To do so, you need to follow the steps mentioned below:

  1. Visit the Finserv MARKETS website.

  2. Go to the ‘Credit Card’ section.

  3. Browse through the international credit card list available on the website to understand more about credit card foreign transaction fees and charges, international card services, etc.

  4. Select the best credit card for international usage as per your preference.

  5. Enter the details requested, such as email id, contact number, etc.

  6. Click on ‘Apply’.

  7. Validate with the OTP received and get access to your online international credit card application form.

  8. Check your eligibility for the card, fill in all applicable details in the international credit card application form, and submit.

Alternatively, you can also apply for the best credit card for international transactions offline by visiting the nearest branch of the bank from which you wish to get the card. You would need to carry all relevant credit card documents for your application and request a bank representative to assist you with the same. The representative would then check your credit card eligibility and help you decide and apply for a card that best suits your needs.

Features and Benefits of Using International Credit Cards

While the features and benefits may vary from one international credit card to another, some of the common features are listed below:

  • You can use the card seamlessly over-the-counter as well as online to pay for goods bought and services availed abroad

  • It can be used in case of emergencies to withdraw cash abroad in a hassle-free manner

  • In most cases, the card also doubles as an international lounge access credit card and can be used at various international airports across the globe

  • Every time you use the international credit card overseas, you earn credit card reward points that can be redeemed later to enjoy attractive discounts and deals

  • The best international credit cards offer amazing discounts and rewards on flight and hotel bookings

  • Few premium international cards also offer complimentary memberships and concierge services to assist you when travelling overseas

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FAQs on International Credit Cards

✔️Which are the different international lounge access credit cards?

The most popular international lounge access credit card variants include Citi PremierMiles credit card and SBI Card ELITE, among a few others.

✔️How does international credit card processing happen?

When you pay using your credit card at international locations, a foreign exchange mark-up levied on transacted funds is deducted automatically by the payment processor and provided to the merchant in his/her account.

✔️Can you withdraw cash using an international credit card?

Yes, an international credit card can be used to withdraw cash at ATMs while travelling overseas.

✔️Which international credit card is best?

There are a number of international credit cards available in the markets that offer some of the best travel benefits, lounge access, dining and shopping privileges, and low forex markup. Some of the best international credit cards available are:

  • Citi Premieremiles credit card

  • HDFC Infinia credit card

  • SBI Card ELITE

  • RBL World Safari Credit Card

  • Air India SBI Signature Card

✔️Which credit card can be used internationally?

A number of banks and credit card issuing companies offer international credit cards as part of their products. These credit cards come with their own specific travel benefits such as travel reward points, airport lounge access, airmiles, low markup fees, and more. Depending on your travel needs, you can choose the best international credit cards in the market.

✔️How do I get an international credit card?

You can browse through the Finserv MARKETS website to choose

  1. Go to the ‘Credit Card’ section.

  2. Browse through the international credit card list available on the website to understand more about credit card foreign transaction fees and charges, international card services, etc.

  3. Select the best credit card for international usage as per your preference.

  4. Check eligibility and click on ‘Apply’.