Best Travel Credit Cards in India 2019

Many of the most valuable credit cards in the market offer travel rewards as their main benefit. Whether they provide flight vouchers, airline miles, airport lounge access or any other great benefits, we've analysed and compared hundreds of cards to find you the best ones out there to suit your needs.

Best Travel Card for…Best Travel Card for...
Flexible TravelYatra SBI Credit CardVery Frequent Fliers
  • Citi PremierMiles Credit Card
Against Fixed DepositAxis Bank Insta Easy Credit CardNo Annual Fee
  • BOB Financial Premier Card
  • Axis Bank Pride Signature
Travel and Shopping
  • Snapdeal HDFC Bank Credit Card
Air India
  • Air India SBI Signature Card
Jet Airways
  • JetPrivilege HDFC Diners Club
  • JetPrivilege HDFC Signature
Lounge and Luxury Perks
  • Citi Prestige Credit Card
  • HDFC Diners Club Black Card

Best Flexible Travel Credit Card: Yatra SBI Card

Consider this if you frequently book travel online with Yatra

Age Requirement None
Annual Income Requirement None
Bonuses
  • Welcome Gift: 7 Yatra vouchers totaling Rs. 8,250 (flights, hotels, holiday packages)

The Yatra SBI Card is the best travel credit card in the market for average consumers. If you use Yatra for flight, hotel and holiday bookings, you'll love the welcome gift of Rs. 8,250 in Yatra vouchers, the card's biggest source of value. On a regular usage basis, the most important travel-related feature is its 6 discounts of up to 20% off flight and hotel bookings on Yatra each year. You'll also get two domestic MasterCard lounge visits per quarter.

On non-travel spend, you receive good rupee value back of 1.5% on departmental and grocery stores, and on dining, movies, entertainment and international transactions (6 points per Rs. 100 spent, 25% redemption rate for Yatra vouchers). However, beyond those categories, you'll only get rupee value back of 0.25%, which is below average (1 point per Rs. 100). In all, if you book enough travel with Yatra, this card will provide the excellent overall value using the discounts and rewards to greatly reduce your annual travel expenses.

  • Annual Fee: Rs. 499 (beyond first year, waived on Rs. 100,000 annual spend)
  • Earn Rate: 6 points per Rs. 100 spent on department stores, grocery, dining, movies, entertainment, overseas spend; 1 point per Rs. 100 on other
  • Point Value: 1 Reward Point = Rs. 0.25 Yatra vouchers
  • Perks: 2 free domestic MasterCard lounge visits/quarter (23 lounges, 9 cities) valid until 12/31/19; air accident cover of Rs. 50 lahks
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month
  • Annual Fee: Rs. 499 (beyond first year, waived on Rs. 100,000 annual spend)
  • Earn Rate: 6 points per Rs. 100 spent on department stores, grocery, dining, movies, entertainment, overseas spend; 1 point per Rs. 100 on other
  • Point Value: 1 Reward Point = Rs. 0.25 Yatra vouchers
  • Perks: 2 free domestic MasterCard lounge visits/quarter (23 lounges, 9 cities) valid until 12/31/19; air accident cover of Rs. 50 lahks
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 3,000; max Rs. 100 waived/month

Best Flexible Travel Credit Card for Very Frequent Fliers: Citi PremierMiles Credit Card

Consider this if you want maximum airline options and travel very frequently

Age Requirement None
Annual Income Requirement None
Bonuses
  • Welcome Gift: 10,000 miles (worth Rs. 4,500 in vouchers for online travel partners, e.g. Yatra or MakeMyTrip)
  • Renewal Bonus: 3,000 miles (worth Rs. 1,350 in vouchers)

Citi's PremierMiles Card is the best air miles credit card out there if you travel regularly and on multiple different airlines, due to its very flexible options for earning and redeeming rewards. You'll earn great 4.5% rupee value back on all airline transactions (10 miles per Rs. 100 spent; 100 miles = Rs. 45 with online travel partners like Yatra or MakeMyTrip). On top of that, a substantial portion of the card's value comes from its welcome gift of 10,000 miles (worth Rs. 4,500), with another 3,000 miles (worth Rs. 1,350) each year on renewal.

To round off the card's travel benefits, you'll get 6-8 airport lounge visits per quarter in India (depending on whether you get Visa or MasterCard). On general spend, you'll earn great 1.8% rupee value back (4 miles per Rs. 100 spent). As an additional perk, you can get 15% off dining at certain restaurants. Notably, annual fees can be waived if you are a Citi Priority or Citigold client. Particularly if you have (or can attain) such status as a customer, you should get this card for its high travel flexibility.

  • Annual Fee: Rs. 3,000. First year fee waived for Citi Priority clients. No fee for Citigold clients
  • Earn Rate: 10 Miles per Rs. 100 spent on airline transactions. 4 Miles per Rs. 100 spent on other
  • Point Value: 100 Miles = Rs. 45 on online travel partners (e.g. MakeMyTrip). Transfer to airlines' miles programs 50% less value
  • Perks: Domestic lounge access (MC - 6 visits/quarter, 7 lounges across 5 cities; Visa - 8 visits/quarter, 10 lounges across 5 cities); 15% off certain restaurants
  • Fuel Surcharge Waiver: Indian Oil for transactions on Citi EDCs
  • Annual Fee: Rs. 3,000. First year fee waived for Citi Priority clients. No fee for Citigold clients
  • Earn Rate: 10 Miles per Rs. 100 spent on airline transactions. 4 Miles per Rs. 100 spent on other
  • Point Value: 100 Miles = Rs. 45 on online travel partners (e.g. MakeMyTrip). Transfer to airlines' miles programs 50% less value
  • Perks: Domestic lounge access (MC - 6 visits/quarter, 7 lounges across 5 cities; Visa - 8 visits/quarter, 10 lounges across 5 cities); 15% off certain restaurants
  • Fuel Surcharge Waiver: Indian Oil for transactions on Citi EDCs

Best Credit Card Against Fixed Deposit for Travel Rewards: Axis Bank Insta Easy Credit Card

Consider this if you want a card against fixed deposit that will earn travel rewards

Age Requirement None
Annual Income Requirement None

The Axis Bank Insta Easy Credit Card is the best card on the market for earning travel rewards while you need a card against fixed deposit. A deposit of at least Rs. 20,000 is required, but you won't have to pay any annual fees, and it doesn't have age or income requirements. Its welcome gift of 100 points is fairly insignificant, so you'll get the most out of the card from its great 1.2% rupee value back on domestic charges (6 points per Rs. 200; 1 point = Rs. 0.40 in Yatra vouchers).

You'll get an even better rate of 2.4% rupee value back on international charges (12 points per Rs. 200). Dining at select restaurants could also earn you up to 15% off when using the card. Overall, if you're looking for the best travel benefits in a card against fixed deposit, go for the Insta Easy.

  • Minimum Fixed Deposit: Rs. 20,000
  • Welcome Gift: 100 points on first online transaction
  • Earn Rate: 6 points per Rs. 200 spent on domestic transactions except on Fuel; 12 points per Rs. 200 spent on international transactions
  • Point Value: 1 Axis eDGE Reward Point = Rs. 0.40 Yatra Travel Vouchers
  • Perks: Axis Bank’s Dining Delights program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000; max Rs. 400 waived per month
  • Minimum Fixed Deposit: Rs. 20,000
  • No Fees
  • Welcome Gift: 100 points on first online transaction
  • Earn Rate: 6 points per Rs. 200 spent on domestic transactions except on fuel; 12 points per Rs. 200 spent on international transactions
  • Point Value: 1 Axis eDGE Reward Point = Rs. 0.40 Yatra Travel Vouchers
  • Perks: Axis Bank’s Dining Delights program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 4,000; max Rs. 400 waived per month

Best Travel Cards With No Annual Fee

Depending on your spending level, we've recommended a couple of different credit cards with (effectively) no annual fee

BOB Financial Premier Credit Card

Consider this if you spend at least Rs. 120,000 annually on your card

Age Requirement None
Annual Income Requirement None

BOB Financial's Premier Card is the best credit card available for effectively no annual fee. To be clear, there is technically an annual charge of Rs. 1,000, but the first year's fee is waived on spend of Rs. 10,000 within 60 days, which should be easily achievable for most consumers. Beyond the first year, the waiver requirement does increase to Rs. 120,000 of annual spend, but this should still be achievable for an average spender.

All monetary value from this card comes from rewards earned on spend, with great 2.5% rupee value back on travel, dining and international transactions (10 points per Rs. 100 spent; 1 point = Rs. 0.25). You'll earn a relatively average 0.50% rupee value back on all other spend (2 points per Rs. 100). Last, you'll get access to dozens of lounges across India. Get this travel card if you want to avoid an annual fee, assuming you can meet the annual spending requirement.

  • Annual Fee: Rs. 1,000; first year waived on spend of Rs. 10,000 within 60 days; beyond first year, waived on annual spend of Rs. 120,000
  • Earn Rate: 10 points per Rs. 100 spent on travel, dining and abroad; 2 points per Rs. 100 spent on all other categories
  • Point Value: 1 point = Rs. 0.25
  • Perks: Complimentary access to 38 airport lounges across 22 cities in India; golf program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000. Max Rs. 250 per month
  • Annual Fee: Rs. 1,000; first year waived on spend of Rs. 10,000 within 60 days; beyond first year, waived on annual spend of Rs. 120,000
  • Earn Rate: 10 points per Rs. 100 spent on travel, dining and abroad; 2 points per Rs. 100 spent on all other spend
  • Point Value: 1 point = Rs. 0.25
  • Perks: Complimentary access to 38 airport lounges across 22 cities in India; golf program
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000. Max Rs. 250 per month
Axis Bank Pride Signature Credit Card

Consider this if you spend at least Rs. 40,000 annually on your card

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

Axis Bank's Pride Signature Credit Card is the best option for a no-annual fee card if you spend less than Rs. 120,000 each year. To be clear, no fee is charged in the first year, but there is technically a Rs. 500 fee each year if you cannot meet the Rs. 40,000 annual spend threshold. However, this should be achievable for most consumers.

Most of the card's value comes from rewards earned on spend, with great 1.6% rupee value back on all spend except fuel (8 point per Rs. 200 spent; 1 point = Rs. 0.40 Yatra vouchers). You'll also get 2 lounge visits per quarter across 5 major cities within India, and the card comes with additional dining benefits. If you're looking for a no-fee card, get this one if you can meet its Rs. 40,000 spending requirement.

  • 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
  • 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 Card for both Travel and Shopping: Snapdeal HDFC Bank Credit Card

Consider this if you want a great card for both travel and shopping

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None
Bonuses & Promotions
  • Welcome Gift: 1) Rs. 2,000 in Snapdeal Vouchers and 2) 500 Reward Points (redeemable for Rs. 250 in Snapdeal vouchers)
  • Promotion: 20 points per Rs. 150 spent (6.7% rupee value back) & 5% discount on Snapdeal spend - expires March 31st, 2019

If you want great rewards for both your travel and shopping spend, the best card for you is the Snapdeal HDFC Card. It's great welcome gift equates to Rs. 2,250 in Snapdeal vouchers, and then most of its value is from the fantastic 11.67% value back on Snapdeal (5% instant discount + 20 points/Rs. 150 spent; 1 point = Rs. 0.50 Snapdeal vouchers). For travel, you'll get excellent 6.67% value back on HDFC's exclusive SmartBuy platform, with 20 points per Rs. 150 spent on travel bookings. SmartBuy will also give 6.67% value back on Amazon, Flipkart, and more. The 0.67% rupee value back on all other spend (except fuel) is average, so get this card if you want great benefits on travel and shopping.

  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% instant discount (min transaction Rs. 150, max 10,000 points/month, max Rs. 500 discount/month) - through March 31, 2019
  • Other Rates: 20 points/Rs. 150 on SmartBuy (travel, Amazon, Flipkart); 2 points/Rs. 150 on all other (min transaction Rs. 150)
  • Point Value: 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lahks), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month
  • Annual Fee: Rs. 500 (spend Rs. 150,000/year & waive next year’s fee)
  • Snapdeal: 20 points/Rs. 150 spent, 5% instant discount (min transaction Rs. 150, max 10,000 points/month, max Rs. 500 discount/month) - through March 31, 2019
  • Other Rates: 20 points/Rs. 150 on SmartBuy (travel, Amazon, Flipkart); 2 points/Rs. 150 on all other (min transaction Rs. 150)
  • Point Value: 1 point = Rs. 0.50 Snapdeal
  • Perks: Accidental Death Insurance (Rs. 50 lahks), Fire & Burglary protection
  • Fuel Surcharge Waiver: Transactions Rs. 400-5,000, max waived Rs. 250/month

Best Credit Card for Air India: Air India SBI Signature Card

Consider this if you fly Air India

Age Requirement None
Annual Income Requirement None
Bonuses
  • Welcome Gift: 20,000 Reward Points (worth about Rs. 9,000)
  • Renewal Bonus: 5,000 Reward Points (worth about Rs. 2,250)
  • Anniversary Bonuses: Spend Rs. 5 lakh for 20,000 points, Rs. 10 lakh for an additional 30,000 points and Rs. 20 lakh for an additional 50,000 points (worth about Rs. 45,000 total)

The Air India SBI Signature Card is the best card on the market for the typical Air India flyer. A majority of the card's monetary value comes from its bonuses, including its 20,000 point welcome gift worth about Rs. 9,000. If you happen to be an ultra-high spender, you'll additionally benefit from the card's anniversary bonuses. Apart from the bonuses, you'll earn a best-in-market 13.5% rupee value back on travel spend, assuming it's for yourself and on Air India (30 points per Rs. 100 spent; 1 point = Rs. 0.45).

If you book for others on Air India, you'll still get a fantastic 4.5% rupee value back (10 points per Rs.100). On all other spend, you'll earn great rupee value back of 1.8% (4 points per Rs. 100). Of the card's 2 lounge programs, the 8 domestic visits per year with the Visa program has the most value. Last, you'll also get tier upgrade benefits for Air India. Bottom line, if you fly Air India, get this card as it will have the best travel rewards for you.

  • Annual Fee: Rs. 4,999
  • Earn Rate: 30 points per Rs. 100 spent on Air India for yourself; 10 points per Rs. 100 spent on Air India for others; 4 points per Rs. 100 on all other spend
  • Estimated Point Value: 1 point = 1 Air India mile = Rs. 0.45
  • Perks: Visa Domestic Lounge Program (8 free visits/year, max 2/quarter; lounges across 6 major cities), free Priority Pass membership (USD 27 charged/visit), Air India tier upgrade benefits
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 4,000; max Rs. 250 per month
  • Annual Fee: Rs. 4,999
  • Earn Rate: 30 points per Rs. 100 spent on Air India for yourself; 10 points per Rs. 100 spent on Air India for others; 4 points per Rs. 100 on all other spend
  • Estimated Point Value: 1 point = 1 Air India mile = Rs. 0.45
  • Perks: Visa Domestic Lounge Program (8 free visits/year, max 2/quarter; lounges across 6 major cities), free Priority Pass membership (USD 27 charged/visit), Air India tier upgrade benefits
  • Fuel Surcharge Waiver: Transactions Rs. 500 – 4,000; max Rs. 250 per month

Best Credit Cards for Jet Airways

Depending on whether you value the prevalence of the Visa or MasterCard network vs. Diners Club, we've recommended a couple of different credit cards that are best for Jet Airways fliers

JetPrivilege HDFC Bank Diners Club Credit Card

Consider this if you're alright with the Diners Club / Discover network

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None
Bonuses
  • Welcome Gift: 1) 15,000 JPMiles (worth ~Rs. 6,750), 2) waiver of 1-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket, 4) 15 JetPrivilege Tier Points upon first swipe > Rs. 50 and 5) an extra 15,000 JPMiles on Rs. 150,000 of spend within first 90 days
  • Renewal Bonus: 1) 10,000 JPMiles (worth ~Rs. 4,500), 2) waiver of one-way base fare Economy Class ticket, 3) Rs. 750 voucher for return ticket and 4) 5 JetPrivilege Tier Points

The JetPrivilege HDFC Diners Club Card is the best travel card for most Jet Airways flyers. The potential downside is that the Diners Club network may not be as prevalent as Visa's or MasterCard's, so do keep that in mind. The card's annual fees are definitely outweighed by its Welcome Gift and Renewal Bonus of 25,000 JPMiles (worth about Rs. 11,250), 2 one-way base fare waivers and Rs. 1,500 in return ticket waivers, collectively the biggest value source of the card.

You'll also get an extra 15,000 JPMiles (~Rs. 6,750) if you spend Rs. 150,000 in the first 90 days, but most may find this difficult. The card earns a great rate of 5.3% in JPMiles (8 JPMiles per Rs. 150; 2.5% rupee value) on spend outside fuel. But, you'll get 16% in JPMiles (24 miles per Rs. 150; 7.5% rupee value) on Jet Airways, and another 5% off base fare tickets. Last, you'll get JetPrivilege Tier Points based on spend level and Diners Club Lounge access. If you’re a Jet Airways flier, there’s no more valuable card out there for airline rewards.

  • Annual Fee: Rs. 10,000 (first year), Rs. 5,000 (beyond first year)
  • Earn Rate: 8 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges 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 JPMiles/Rs. 150 spent except fuel; 3X miles & 5% off Jet Airways base fare
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • Perks: Diners Club Lounge access (600+ lounges globally); unlimited free golf games (green fee waiver) at ~20 courses in India & 40 worldwide; free golf lesson at select ranges 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
JetPrivilege HDFC Bank Signature / World Card

Consider this if you value the availability of the Visa or MasterCard networks

Age Requirement 21-60 (65 if self-employed)
Annual Income Requirement None
Bonuses
  • Welcome Gift: 1) 3,750 JPMiles (worth about Rs. 1,688), 2) an additional 3,750 JPMiles on total retail spends of at least Rs. 75,000 within first 90 days, 3) complimentary base fare waived ticket and 4) discount voucher for return flight ticket (worth Rs. 750) on Jet Airways
  • Renewal Bonus: 1) 3,000 JPMiles (worth about Rs. 1,350), 2) complimentary base fare waived ticket and 3) discount voucher for return flight ticket (worth Rs. 750) on Jet Airways

The JetPrivilege HDFC Signature / World Card is the best Jet Airways card using the VISA and MasterCard networks. Most of the card's value comes from its bonuses of about Rs. 3,038 in JPMiles, 2 complimentary base fares waived and return ticket vouchers worth Rs. 1,500. If you can hit the spend requirement of Rs. 75,00 in the first 90 days, you'll also get Rs. 1,688 worth of extra JPMiles. On Jet Airways bookings, the card provides a 5% discount on base fares in addition to excellent 5.4% rupee value back (18 JPMiles per Rs. 150 spent; 1 JPMile = Rs. 0.45).

You'll also get great rupee value back of 1.8% on all other spend except fuel. On foreign transactions you'll only pay a 2% fee, much lower than the typical 3.5% for most cards. The card comes with great perks, including a number of free visits to 2 different lounge programs (Priority Pass and either Visa or MasterCard), excess baggage allowance, JetPrivilege Tier Points for high spenders and 5 year extension on validity of JPMiles. In all, this is a great option for a Jet Airways card due to both its monetary value and travel perks.

  • Annual Fee: Rs. 2,500 (waived after 1st year on Rs. 300,000 annual spend)
  • Earn Rate: 18 JPMiles/Rs. 150 spent & 5% off base fare on Jet Airways tickets; 6 JPMiles/Rs. 150 spent on all other except fuel (Rs. 150 min)
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • FX Fee: 2.0%
  • Perks: Priority Pass (5 free int'l lounge visits/year); MC Lounge (4 visits/quarter; 23 lounges, 9 cities in India) or Visa Lounge (4 visits/quarter; 29 lounges, 20 cities in India); earn JP Tier Points on spend; free excess baggage allowance; extended validity of JPMiles (5 years)
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000, max Rs. 500 per month
  • Annual Fee: Rs. 2,500 (waived after 1st year on Rs. 300,000 annual spend)
  • Earn Rate: 18 JPMiles/Rs. 150 spent & 5% off base fare on Jet Airways tickets; 6 JPMiles/Rs. 150 spent on all other except fuel (Rs. 150 min)
  • Est. Point Value: 1 JPMile = Rs. 0.45
  • FX Fee: 2.0%
  • Perks: Priority Pass (5 free int'l lounge visits/year); MC Lounge (4 visits/quarter; 23 lounges, 9 cities in India) or Visa Lounge (4 visits/quarter; 29 lounges, 20 cities in India); earn JP Tier Points on spend; free excess baggage allowance; extended validity of JPMiles (5 years)
  • Fuel Surcharge Waiver: Transactions Rs. 400 – 5,000, max Rs. 500 per month

Premium Travel Cards for Lounge Access and Luxury Perks

Depending on your annual income level or your taste for different perks, we've recommended a couple of different premium travel credit cards

Citi Prestige Credit Card

Consider this if you have Citigold Private status or you're a very high spender

Age Requirement None
Annual Income Requirement None
Bonuses
  • Welcome Gift / Renewal Bonus: 10,000 air miles (worth about Rs. 4,500) and vouchers worth Rs. 10,000 from Taj Group or ITC Hotels

Citi's Prestige Card offers the most lucrative perks on the market, but you must be a very high spender or have Citigold Private status for its monetary value to outweigh its annual fees. A majority of the card's value comes from its annual bonuses of about Rs. 14,500 in rupee value (10,000 miles + Rs. 10,000 in Taj/ITC vouchers). However, it also has great rupee value back of 1.8% on domestic spend (1 point per Rs. 100) and 3.6% overseas (2 points per Rs. 100).

Consumers will want to choose this card for the fantastic perks, including its unlimited Priority Pass, stay 4 nights get 1 free at any hotel across the world and great golf benefits. If you can spend enough or have Citigold Private status and want perks like these, this is the card for you.

  • Annual Fee: Rs. 20,000 - waived for Citigold Private (account > Rs. 5 lahks)
  • Earn Rate: 1 point/Rs. 100 spent in India, 2 points/Rs. 100 overseas
  • Point Value: 1 point = 4 miles (~Rs. 1.8) on 14 major airlines
  • Perks: Unlimited free Priority Pass; stay 4 get 1 night at any hotel; 1 year Taj Epicure Plus/InnerCircle Silver; 3 free green fees; 4 free golf rounds & lessons each year at 15 clubs; air accident cover Rs. 5 crores; overseas medical insurance; emergency cash if card lost
  • Fuel Surcharge Waiver: Transactions at Indian Oil on Citi EDCs
  • Annual Fee: Rs. 20,000 - waived for Citigold Private (account > Rs. 5 lahks)
  • Earn Rate: 1 point/Rs. 100 spent in India, 2 points/Rs. 100 overseas
  • Point Value: 1 point = 4 miles (~Rs. 1.8) on 14 major airlines
  • Perks: Unlimited free Priority Pass; stay 4 get 1 night at any hotel; 1 year Taj Epicure Plus/InnerCircle Silver; 3 free green fees; 4 free golf rounds & lessons each year at 15 clubs; air accident cover Rs. 5 crores; overseas medical insurance; emergency cash if card lost
  • Fuel Surcharge Waiver: Transactions at Indian Oil on Citi EDCs
HDFC Bank Diners Club Black Credit Card

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

Age Requirement None
Annual Income Requirement None
Bonuses
  • Welcome Gift: 10,000 Reward Points (worth Rs. 10,000)
  • Renewal Bonus: 5,000 Reward Points (worth Rs. 5,000); not applicable when renewal fee is waived (requires annual spend of Rs. 500,000)

HDFC's Diners Club Black Card is a very profitable card for high spenders, but does require a very high minimum annual income of Rs. 2,100,000. The card provides great value from both its bonuses and earn on spend, with the former equating to Rs. 15,000 in welcome and renewal gifts. You'll earn a top rate of 3.33% rupee value back on all retail spend except fuel (5 points per Rs. 150; 1 point = Rs. 1 in travel rewards).

The card's fantastic perks include Diners Club Lounge unlimited access and 6 complimentary golf games (green fee waiver) per quarter. If you can meet the income requirement, this is one of the best travel perks cards out there for you.

  • Minimum Income: Rs. 2,100,000
  • Age Requirement: 21-60 (65 if self-employed)
  • 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 (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
  • Minimum Income: Rs. 2,100,000
  • Age Requirement: 21-60 (65 if self-employed)
  • 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 (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