Best Credit Cards for Non-Resident Indians (NRIs) 2020

As a Non-Resident Indian (NRI), you may want a credit card to use while traveling to India to avoid foreign transaction fees and access funds quickly in case of an emergency. Notably, Axis Bank has the most NRI credit cards. We've picked out our favorites across all financial institutions with NRI offerings.

Best Credit Cards for NRIs
Top PickAxis Pride Signature1.6% back on all spend (except fuel), lounge access
MilesSC Yatra Platinum10% cashback on travel
JP HDFC Diners ClubUnlimited lounge access
HDFC Bank Diners Club MilesRs. 1,000 renewal benefit, 6 global lounge access
DiningSBI Card Prime2.50% on dining, 3.75% on Big Basket
ShoppingAxis Neo10% off select Myntra styles, redBus, Freecharge, BookMyShow
MoviesICICI NRI CoralUp to 2 free movie tickets monthly; lounge access
PremiumHDFC Diners Club BlackUnlimited global lounge, Rs. 15,000 in bonuses
SecuredKotak NRI Royale0.45% outside India, 0.23% in India, Rs. 100,000 deposit

Best NRI Credit Card: Axis Bank Pride Signature Credit Card

Consider this if you want great value back on almost all your spending

Age Requirement 18-70
Annual Income Requirement None listed by issuer
Bonuses
  • Monthly Bonus: 100 points (Rs. 40 in Yatra vouchers) on spend of Rs. 5,000

The Axis Pride Signature is the best general spending credit card for NRIs. There is no fee in your first year as a cardholder, but you would be charged Rs. 500 in subsequent years if you do not clear Rs. 40,000 in annual expenditures. The bulk of the credit card's value is earned on everyday spend, with great 1.6% back on all transactions except fuel (8 point per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers). You will also receive 2 airport lounge visits a quarter across 5 major domestic cities, and the card comes with additional dining benefits. Bottom line, get this NRI credit card if you want the highest value for your spend on almost every category.

  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: None 1st year; Rs. 500 beyond 1st year, waived on annual spend of Rs. 40,000
  • Earn Rate: 8 points per Rs. 200 spent except on fuel
  • Point Value: 1 point = Rs. 0.40 Yatra vouchers
  • Perks: Access to 10 lounges across 5 cities in India, 2 visits/quarter; dining benefits
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000. Max Rs. 400 per month
  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: None 1st year; Rs. 500 beyond 1st year, waived on annual spend of Rs. 40,000
  • Earn Rate: 8 points per Rs. 200 spent except on fuel
  • Point Value: 1 point = Rs. 0.40 Yatra vouchers
  • Perks: Access to 10 lounges across 5 cities in India, 2 visits/quarter; dining benefits
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000. Max Rs. 400 per month

Best Miles Cards for NRI

These two credit cards are the best options for Non-Resident Indians looking to acquire a miles card. The cards offer great rewards on spending and include perks that can prove useful during your travels.

Best Cashback Card for Travel: Standard Chartered Yatra Platinum Credit Card

Consider this if you are looking for a card to use on international travel bookings and prefer to book with Yatra

Age Requirement 21-65
Annual Income Requirement None listed by issuer
Bonuses
  • Sign-Up Bonus: Yatra vouchers worth ₹ 4,000

The Standard Chartered Yatra Platinum Credit Card is the optimal option for Non-Resident Indians (NRI’s) seeking out a cashback card to use on travel spending. The card offers cardholders 10% cashback on all Yatra travel bookings, including domestic flights, international flights, and hotel bookings. Furthermore, cardholders are eligible to receive cancel flights for free on bookings made on Yatra. In addition to the 10% cashback rate, cardholders earn a 0.95% rewards rate (4 points per Rs. 100, 1 reward point = 0.53 InterMiles) on all travel bookings made on the platform.

One drawback of the Standard Chartered Yatra Platinum Card is that it earns a relatively low rewards rate (0.48%—2 points per Rs. 100, 1 reward point = 0.53 InterMiles). Still, its 10% cashback on travel is the best available. Therefore, this card is an excellent option for Non-Resident Indians seeking out a travel rewards card that offers cashback for exclusively travel bookings on Yatra.

Read Our Review

  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month), 4 points per Rs. 100 spent on Yatra travel bookings, 2 points per Rs. 100 spent on all other spending categories
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme
  • Annual Fee: 499
  • Earn Rate: 10% Cashback on all travel bookings (Rs. 250 cap on domestic flights, Rs. 750 cap on international flights and Rs. 1,000 cap on hotel bookings—this cashback is applicable 12 times per calendar year and max 4 times a month)
  • Cashback requirement: To receive this cashback the flights must be roundtrips and the hotel booking has to be at least 3 nights with a minimum booking price of Rs. 4,000.
  • Est. Point Value: 1 point = 0.53 InterMiles = ~ Rs. 0.24
  • Travel Perks: Waivers on flight cancellation fees for all tickets booked on the Yatra platform
  • Fuel Surcharge Waiver: Fuel surcharge waiver of 1% across India (maximum waiver of Rs. 150)
  • Receive dining and shopping discounts through the Standard Chartered Good Life Programme

Best Miles Credit Card for InterMiles: JetPrivilege HDFC Diners Club Card

Consider this if you want unlimited lounge access and tend to travel often

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None listed by issuer
Bonuses & Promotions
  • Sign-up Bonus: 15,000 Intermiles (worth ~ ₹ 7,650); ₹ 1,000 voucher for return ticket; an extra 15,000 Intermiles on ₹ 150,000 of spend within first 90 days
  • Renewal Benefit: 10,000 Intermiles (worth ~ ₹ 5,100); ₹ 750 voucher for return ticket

The JetPrivilege HDFC Bank Diners Club Credit Card is the best premium miles card offered to non-residential Indians (NRIs). The card offers a great rewards rate of 2.4% (8 InterMiles per Rs. 150 spent, 1 point = 1 InterMiles = Rs. 0.45) on all spending categories. Additionally, Specifically , cardholders earn rewards rate of 4.8% (16 InterMiles per Rs. 150 spent; 1 InterMile = Rs. 0.45) on bookings done through InterMile. Furthermore, the card offers an excellent rewards rate of 6.0% (20 InterMiles per Rs. 150 spent, 1 point = 1 InterMile = Rs. 0.45) for Etihad Airways bookings. Etihad bookings are also discounted 5% and 10% for economy and business class tickets respectfully. However, the card comes with high annual fees, including a joining fee (Rs. 10,000) and a renewal fee (Rs. 5,000). Fortunately, as long as you use InterMiles, the card's annual fees can be offset by the sign-up bonus of 30,000 InterMiles (Rs. 13,500) and renewal bonus of 10,000 InterMiles (Rs. 4,500).

In terms of perks, The JetPrivilege HDFC Diners Club Card is one of a few cards that provide unlimited lounge access, specifically with the Diners Club Network (over 600 global lounges). Its travel perks also include domestic airport premiere check-in and extra baggage allowance. The card also grants unlimited free golf games (green fee waiver) at 20 courses in India and 40 worldwide, as well as unlimited lessons at 14 courses across 9 cities in India. This can prove to be a valuable card for individuals who book through InterMiles, due to the strong airline rewards and great perks.

Read Our Review

  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel, 16 InterMiles per Rs. 150 spent on InterMiles bookings, 20 InterMiles per Rs. 150 spent on Etihad Airways
  • Est. Point Value: 1 InterMile = Rs. 0.45
  • Perks: Unlimited Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; unlimited free golf lessons at 14 courses in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month
  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 InterMiles per Rs. 150 spent except fuel, 16 InterMiles per Rs. 150 spent on InterMiles bookings, 20 InterMiles per Rs. 150 spent on Etihad Airways
  • Est. Point Value: 1 InterMile = Rs. 0.45
  • Perks: Unlimited Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at 20 courses in India & 40 worldwide; unlimited free golf lessons at 14 courses in India; domestic airport premiere check-in & extra baggage allowance; earn JP Tier Points; dining discounts
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000; max Rs. 1,000 waived per month

Best Low-Fee Miles Credit Card for NRI: HDFC Bank Diners Club Miles Card

Consider this if you want unlimited lounge access and unlimited golf

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement Rs. 360,000
Bonuses & Promotions
  • Signing Bonus: 1,000 points (₹ 500)
  • Renewal Benefit: 1,000 points (₹ 500)

The HDFC Bank Diners Club Miles Card is a great option for individuals looking for an affordable miles card. First, the card offers a solid rewards rate of 1.33% (4 points per Rs. 150 spent, 1 point = 1 JPMile = Rs. 0.5) on all spending categories. Additionally, the cardholder will receive a renewal benefit of 1,000 points (Rs. 500) which can help offset the low annual fee of Rs. 1,000. This fee is also waivable with annual spends of Rs. 100,000. Furthermore, the HDFC Bank Diners Club Miles Card offers up to 6 annual airport lounge visits at over 700 lounges worldwide. This card is a great fit for any individual looking to acquire a miles card with a solid rate and good lounge access.

  • Annual Fee: Rs. 1,000 (waivable after the first year with annual spends of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 spent
  • Point Value: 1 point = 1 JPMile = Rs. 0.5
  • Travel: Up to 6 airport lounge access at over 700 lounges worldwide
  • Dining: Up to 15% percent off on partnered restaurants as part of the Diners Club, which has over 1,400 offers with partners in over 70 countries
  • Insurance: Air accident insurance of ₹ 1 crore, emergency medical expense coverage up to ₹ 25 lakh, credibility coverage of up to ₹ 9 lakh, travel insurance coverage up to ₹ 50,000 on baggage delay (capped at $10 per hour restricted to 8 hours)
  • Annual Fee: Rs. 1,000 (waivable after the first year with annual spends of Rs. 100,000)
  • Earn Rate: 4 points per Rs. 150 spent
  • Point Value: 1 point = 1 JPMile = Rs. 0.5
  • Travel: Up to 6 airport lounge access at over 700 lounges worldwide
  • Dining: Up to 15% percent off on partnered restaurants as part of the Diners Club, which has over 1,400 offers with partners in over 70 countries
  • Insurance: Air accident insurance of ₹ 1 crore, emergency medical expense coverage up to ₹ 25 lakh, credibility coverage of up to ₹ 9 Lakh, travel insurance coverage up to ₹ 50,000 on baggage delay (capped at $10 per hour restricted to 8 hours)

Best NRI Credit Card for Dining: SBI Card Prime

Consider this if you tend to eat out often

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Sign-Up Bonus of e-voucher ₹ 3,000 on either Bata/Hush Puppies, Shoppers Stop, or Yatra.com
  • Anniversary Bonus: E-voucher worth ₹ 7,000 from on achieving annual spends of ₹ 500,000

Both NRIs and Indian residents will love the SBI Card Prime as it offers great rewards for dining and other spending categories. For example he SBI Card Prime provides cardholders with a 2.50% rewards rate (10 points per Rs. 100, 1 point = Rs. 0.25), which 5x the regular rewards rate for all spends. This rewards rate also applies to groceries, department stores, and movies. Additionally, the card offers a Big Basket rewards rate of 3.75% (15 points per Rs. 100, 1 point = Rs. 0.25), the best rate for Big Basket among any competitor. Furthermore, cardholders receive 5% (20 points per Rs. 100 spent (cap of Rs. 3,000 per month)) on utilities spending, making this card quite useful.

Moreover, this card offers a competitive sign-up bonus which can be applied to select retailers (Bata/Hush Puppies, Pantaloons, Shoppers Stop and Yatra). High spenders will be pleased to hear that based on their ability to surpass certain spending thresholds, they can accumulate even more rewards. In all, this card is great for individuals looking for a versatile dining card.

  • Indian Residents or NRIs
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)
  • Annual Fee: Rs. 2,999 (after 1st year, waived on Rs. 300,000 annual spend)
  • Earn Rate: 15 points/Rs. 100 BigBasket, Reliance brands (incl. grocery); 10 points/Rs. 100 dining, groceries, department stores, movies; 20 points/Rs. 100 utilities; 2 points/Rs. 100 other retail spend
  • Point Value: 4 points = Rs. 1 cashback
  • Perks: 4 free international and 8 free domestic airport lounge visits per year, 4 green fees per year, 1 golf lesson per month; certain hotel booking discounts, 10% off Hertz, up to 35% off Avis; 15% off luxury airport transfer; 25% extra miles Kaligo
  • Fuel Surcharge Waiver: Transactions Rs. 500–4,000 (max Rs. 250 monthly)

Best NRI Credit Card for Shopping: Axis Bank Neo Card

Consider this if you want discounts on shopping, mobile recharge, bus tickets and movies

Age Requirement 18-70
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gifts: Rs. 300 BookMyShow voucher; Rs. 250 Amazon voucher on 1st spend within 30 days

The Axis Neo Card is the best NRI card in the market for shopping. You'll get 10% off select Myntra styles. You'll also get 10% off redBus tickets (max Rs. 100 discount monthly), Freecharge mobile recharges (max discount Rs. 30 monthly) and BookMyShow tickets (max discount Rs. 50 monthly). On all other spend, you'll earn a below average 0.09% rupee value back (2 points/Rs. 200 spent; 5 eDGE points = 1 InterMile). Get this NRI credit card for great value on Myntra, as well as on bus tickets, mobile recharges and movies.

  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: 250 (in 1st year, spend Rs. 2,500 in 45 days to waive)
  • Discounts: 10% off Myntra select styles (min purchase Rs. 500), redBus (max Rs. 100 discount/month), Freecharge (1 transaction & max discount Rs. 30 per month), BookMyShow (max discount Rs. 50 per month)
  • Reward Earn Rate: 2 points/Rs. 200 spent
  • Point Value: 5 eDGE points = 1 InterMile (many other options in reward store)
  • Available to Residents of India or Non-Resident Indians
  • Annual Fee: 250 (in 1st year, spend Rs. 2,500 in 45 days to waive)
  • Discounts: 10% off Myntra select styles (min purchase Rs. 500), redBus (max Rs. 100 discount/month), Freecharge (1 transaction & max discount Rs. 30 per month), BookMyShow (max discount Rs. 50 per month)
  • Reward Earn Rate: 2 points/Rs. 200 spent on all
  • Point Value: 5 eDGE points = 1 InterMile (many other options in reward store)

Best NRI Credit Card for Movie Tickets: ICICI Bank NRI Coral Credit Card

Consider this if if you want airport lounge access in India

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer
Bonuses
  • Welcome Gift: Rs. 300 Uber vouchers
  • Monthly Bonus: Max 2 free movie tickets monthly via BookMyShow Buy One Get One offer (valued up to Rs. 250 per ticket)

The ICICI Bank NRI Coral Credit Card is a great option if you want free movie tickets. The first year's annual fee is Rs. 1,000, and it decreases to Rs. 500 thereafter. Each month, you're entitled to a maximum of two free movie tickets from BookMyShow under its Buy One Get One program. Valued at up to Rs. 250 per ticket, you could save a lot on movies if you go frequently enough while visiting India. Last the card provides 2 free airport lounge visits per quarter in India via the MasterCard program. Overall, get this card if you value its movie benefits and lounge access more than its annual fee.

Read our Review

  • Annual Fee: Rs. 1,000 in 1st year; Rs. 500 beyond 1st year (waived on annual spend of Rs. 150,000)
  • Perks: 2 free MasterCard lounge visits per quarter in India
  • Fuel Surcharge Waiver: HPCL transactions on ICICI merchant services machines (max Rs. 4,000 per transaction)
  • Annual Fee: Rs. 1,000 in 1st year; Rs. 500 beyond 1st year (waived on annual spend of Rs. 150,000)
  • Perks: 2 free domestic MasterCard lounge visits per quarter
  • Fuel Surcharge Waiver: HPCL transactions on ICICI merchant services machines (max Rs. 4,000 per transaction)

Best Premium Card for Non-Resident Indians: HDFC Diners Club Black Card

Consider this if your annual income is at least Rs. 2,100,000

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement Rs. 2,100,000
Bonuses
  • Sign-Up Bonus: 10,000 Reward Points (worth ₹ 10,000)
  • Renewal Benefit: 5,000 Reward Points (worth ₹ 5,000); not applicable when renewal fee is waived (requires annual spend of ₹ 500,000)

The HDFC Diners Club Black Card is a great option for high spenders looking for a premium credit card. The card has excellent bonuses that are worth Rs. 10,000 for the first year and Rs. 5,000 every year the card is renewed, which end up cancelling out the annual fees. Additionally, the card has a great rewards rate of 3.33% (5 points per Rs. 150; 1 point = Rs. 1 in travel rewards) on all spending, except fuel. That being said, individuals must earn a salary of at least Rs. 2,100,000 annual in order to be eligible.

Notably, the cardholder is offered unlimited access to the Diners Club airport lounge network, which includes over 850 global lounges and 6 free golf games. For all of the travellers looking to acquire a card, Diners Club Black Card's foreign currency transaction fee is one of the lowest in India at 2.0%. All in all, this is a great premium card for those that qualify.

  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • FX Fee: 2.0%
  • Perks: Diners Club Lounge (unlimited free access to 850+ lounges); 6 free green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month
  • Annual Fee: Rs. 10,000 first year; Rs. 5,000 beyond (waived on annual spend of Rs. 500,000)
  • Earn Rate: 5 points/Rs. 150 retail spend except fuel
  • FX Fee: 2.0%
  • Point Value: 1 point = Rs. 1 on HDFC Diners Club travel portal
  • Perks: Diners Club Lounge (unlimited free access to 850+ lounges); 6 free green fee waivers/quarter at 20 courses in India & 40 worldwide; air accident cover Rs. 2 crore; emergency medical expense cover; baggage delay cover
  • Fuel Surcharge Waiver: Transactions Rs. 400–5,000, max Rs. 1,000/month

Best Secured Credit Card for NRIs: Kotak NRI Royale Signature Credit Card

Consider this if you have poor or limited credit history

Age Requirement 18-75
Annual Income Requirement None listed by issuer

The Kotak NRI Royale Signature is a credit card against fixed deposit available to Non-Resident Indians. It comes with a high Rs. 100,000 fixed deposit amount as well as an annual fee of Rs. 1,000. You'll earn 0.45% rupee value back on spend outside of India (2 points per Rs. 200; 1 point = 1 JPMile = Rs. 0.25) and half that within India (1 point per Rs. 200). Last, you'll get two free airport lounge visits per quarter valid across 20 cities in India. It is likely that only high spenders will charge enough on the card to outweigh the annual fees, so we only recommend the NRI Royale Signature to those such consumers.

  • Minimum Fixed Deposit: Rs. 100,000
  • Annual Fee: Rs. 1,000
  • Reward Earn Rate: 2 points/Rs. 200 spent outside India; 1 point/Rs. 200 spent in India; no points on fuel or rail if surcharge waived
  • Estimated Point Value: 1 point = 1 JPMile = Rs. 0.45
  • Perks: Visa Lounge access (2 free visits/quarter; 29 lounges across 20 cities in India)
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000 (max Rs. 3,500 waived per year)
  • Rail Surcharge Waiver: Max Rs. 500 waived per year
  • Minimum Fixed Deposit: Rs. 100,000
  • Annual Fee: Rs. 1,000
  • Reward Earn Rate: 2 points/Rs. 200 spent outside India; 1 point/Rs. 200 spent in India; no points on fuel or rail if surcharge waived
  • Estimated Point Value: 1 point = 1 JPMile = Rs. 0.45
  • Perks: Visa Lounge access (2 free visits/quarter; 29 lounges across 20 cities in India)
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000 (max Rs. 3,500 waived per year)
  • Rail Surcharge Waiver: Max Rs. 500 waived per year