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.
ON THIS PAGE: Top International CCs | Apply | Features | FAQ
Below listed are details about 5 best international credit cards along with their features and charges. Have a look:
Card Name |
Features |
Charges |
|
|
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2.0% of the amount withdrawn (min.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 |
||
|
|
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 |
|
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 |
|
Annual Fee |
₹3,000 |
Renewal Fee |
₹3,000 |
||
Markup Fee on Foreign Currency Transaction |
0% |
||
Air India SBI Signature Card |
|
Annual Fee |
₹4,999 |
Renewal Fee |
₹ 4,999 |
||
Add-On Fee |
Nil |
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 available on the website to understand more about credit card foreign transaction fees and charges, international card services, etc.
Select the best credit card for international usage as per your preference.
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.
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.
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
The most popular international lounge access credit card variants include Citi PremierMiles credit card and SBI Card ELITE, among a few others.
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.
Yes, an international credit card can be used to withdraw cash at ATMs while travelling overseas.
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
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.
You can browse through the Finserv MARKETS website to choose
Go to the ‘Credit Card’ section.
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.
Select the best credit card for international usage as per your preference.
Check eligibility and click on ‘Apply’.