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International Credit Cards

Do you often travel overseas? If yes, then you must be aware of the troubles of foreign currency conversion. To do away with this and to make transactions seamless, you can opt for an international credit card. Such a card functions as a dedicated credit card for international transactions and makes purchasing online or at POS overseas extremely hassle-free.

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 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

Top International Credit Cards

There are several international credit cards, offered by premier financial institutions, with amazing features and benefits that are sure to make your travel experience worthwhile. Let us look at some of the best ones.

Citi PremierMiles Credit Card-

The Citi PremierMiles credit card by Citibank is a great international credit card if you are looking to travel overseas. The card levies a 3.5% foreign transaction fee and can be used to enjoy complimentary lounge access at several airport terminals. The Citi PremierMiles MasterCard gives you 6 visits per card, per quarter in a calendar year, while the Citi PremierMiles Visa Signature Card offers 8 visits per card, per quarter in a calendar year.

Apart from this, the card also offers other benefits such as 10,000 air miles as a welcome gift, 3,000 bonus miles on renewal, 4 miles against every INR 100 spent, 10 miles against every INR 100 spent on premiermiles.co.in, etc. The card also lets you convert and use miles for flight and hotel bookings, or transfer them to enjoy frequent flyer programs. Even better, the miles don’t expire and can be redeemed against gift vouchers, for utility bill payments, wallet recharges, etc.

Fees and Charges-

Annual Fee

INR 3,000

Foreign Transaction Charges

3.5% mark-up

Cash Advance Fee

2.0% of the amount withdrawn (min INR 300)

Finance Charges

3.35% per month/ 40.2% per year

Overlimit Charges

2.5% of the amount exceeded exclusive of taxes, charges, and fees (minimum INR 500)

SBI Card ELITE

SBI Card ELITE is one of the best credit cards for international use. It has a very low forex mark-up of only 1.99% on international spends and offers the opportunity to earn 2 reward points on every INR 100 spent overseas. You also get 6 free visits per calendar year (or 2 visits per quarter) to over 1000 airport lounges across the globe.

The card also has a range of other benefits, such as complimentary Club Vistara Silver membership and Trident Privilege Red Tier Membership, 9 club Vistara points for over INR 100 spent on Vistara flight bookings and one complimentary upgrade voucher on Vistara flights. You even get access to exclusive concierge service, bonus points and additional hotel credit on extended hotel stays.

International Credit Card Charges and Fees-

Annual Fee

INR 4,999 + taxes

Foreign Transaction Charges

1.99% mark-up

Dynamic Currency Conversion

1.99% mark-up (transaction > = INR 1000)

Card Replacement When Abroad

Actual cost ($175 minimum)

Finance Charges

3.35% per month/ 40.2% per year

Overlimit Charges

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

HDFC Infinia Credit Card-

This international credit card from HDFC has a very low foreign currency mark up fee of 2 per cent. It also offers unlimited airport lounge access to both primary and add-on card members at several airport locations throughout the globe.

The card also comes with a 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. You even get a welcome benefit of 10,000 reward points as well as rewards on travel, shopping, dining, etc., which can be redeemed against gift vouchers, flight and hotel bookings, etc. The card also offers emergency hospitalization cover and provides a credit shield when travelling abroad.

International Credit Card Charges and Fees-

Annual Fee

INR 10,000 (waived on spends of INR 8 lakh)

Foreign Transaction Charges

2% mark-up

Revolving Credit Charges

1.99% per month/ 23.88% annually

Overlimit Charges

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

So, what are you waiting for? Take a look at the offerings, match them to your needs, and apply for an international credit card today!

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-

  • Visit the Finserv MARKETS website
  • Go to the credit card section
  • Browse through the international credit card list to understand the credit card foreign transaction fees and charges, international card services, etc.
  • Select the best credit card for international usage
  • Enter the details requested, such as email id, contact number, etc.
  • Click on ‘Apply’
  • Validate with the OTP received and get access to your online international credit card application form
  • Fill in all applicable details in the international credit card application form and check your eligibility for the card

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 documents for your credit card application and request a bank representative to assist you with the same. The representative would then check your eligibility and help you decide and apply for a credit card that best suits your needs.

Why Choose Finserv MARKETS to Apply for International Credit Cards?

There are multiple reasons to choose Finserv MARKETS to apply for the best Indian credit card for international use:

Rewards & Discounts

Get some of the best credit card rewards on Finserv MARKETS. Apply for credit cards that work internationally online at Finserv MARKETS and get credit cards packed with rewards and offers from your favourite brands.

One platform, many cards

At Finserv MARKETS, we have just the right type of credit cards for you. Whether you want a credit card that gets you discounts on shopping or the one that helps you save on fuel costs, we have it all!

Joining Benefits

Enjoy assured joining benefits on credit cards at Finserv MARKETS. Get amazing discount vouchers from top e-commerce sites, fuel surcharge waivers, cashback and much more! If you are a student, then you can apply for a student credit card to avail benefits.

Convert Purchases into EMIs

Purchases through any of the credit cards available at Finserv MARKETS can be converted into EMIs easily. Apply for a credit card online today.

Stringent Security Measures

With cyber-crime a reality, your credit card comes with features that ensure safety against any kind of fraud. Apply online and avail the best credit card for you now! 

Frequently Asked Questions

  • ✔️Which are the different international lounge access credit cards?

    Some of the popular international lounge access credit card variants are Citi PremierMiles credit card, SBI Card ELITE, etc.    

  • ✔️How does international credit card processing happen?

    When you pay using your credit card at international locations, a foreign exchange mark-up on the INR equivalent of the money is deducted automatically by the payment processor and provided to the merchant in the merchant 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.

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