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Best Travel in India 2026

Compare the best travel in India. 22 cards ranked by our experts.

Showing 22 cards

Best for: Frequent travellers who value unlimited lounge access, high reward rates via SmartBuy, and premium lifestyle benefits including golf and complimentary subscriptions.
HDFC Diners Club Black

HDFC Diners Club Black

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹1.67 - ₹10.84/₹100

#6

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Shopping, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international airport lounge access
  • 10X reward points on SmartBuy portal with Rs. 1/point value
  • Complimentary memberships: Amazon Prime, Club Marriott, Times Prime, MMT Black
  • 6 complimentary golf games per quarter worldwide
  • Rs. 2 crore air accident cover and Rs. 50 lakh emergency medical
  • Low forex markup of 2% + GST

Cons

  • High annual fee of Rs. 10,000 + GST
  • Limited Diners Club network acceptance in some countries
  • Reward points capped on utility, grocery, and insurance categories
  • No reward points on fuel, wallets, rent, and EMI
Read full review
Best for: Frequent travelers, dining enthusiasts, and high spenders looking for 3.33% base reward rate, unlimited lounge access, and complimentary golf.
HDFC Diners Club Black Metal Edition

HDFC Diners Club Black Metal Edition

3.6 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹3.33/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 3.33% base reward rate on all spends
  • Unlimited airport lounge access for primary and add-on cardholders
  • 10X reward points on SmartBuy hotel bookings
  • 6 complimentary golf games per quarter
  • Rs 2 crore air accident insurance
  • 24x7 global concierge service
  • Reward points worth Rs 1 each on SmartBuy

Cons

  • Diners Club network has limited offline acceptance in India
  • No fuel surcharge waiver on the Metal Edition
  • High annual fee of Rs 10,000 + GST
  • Renewal fee waiver requires Rs 8 lakh annual spend
Read full review
Best for: Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
HDFC Regalia

HDFC Regalia

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹1.33 - ₹7.33/₹100

#7

Joining fee

₹2,500

#59

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
8/year #19
Min Credit Score
730+ #46
Categories Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Strong 2.67% base reward rate at best redemption
  • Up to 10x accelerated rewards via SmartBuy
  • Rs 1 crore air accident + Rs 15L medical cover
  • 8 domestic + 6 international lounge visits/year
  • Low 2% forex markup
  • Fee waiver on Rs 3L annual spend

Cons

  • Many categories excluded from earning points
  • Points expire after 2 years
  • Domestic lounge requires Rs 1L quarterly spend
  • SmartBuy accelerated rewards capped at 4,000 pts/month
  • Rs 99 redemption fee per request
Read full review
Best for: Frequent travellers who want airline-agnostic miles with flexible transfer partners and tier-based lounge access.
Axis Bank Atlas

Axis Bank Atlas

3.2 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹5,000

#77

Rewards rate

₹2.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 1:2 transfer ratio to 20+ airline and hotel partners
  • 5 EDGE Miles per Rs. 100 on travel (5% return)
  • Tier-based lounge access up to 18 domestic + 12 international
  • Flexible redemption via Travel EDGE Portal at Rs. 1/mile
  • Welcome benefit of 2,500 EDGE Miles worth Rs. 5,000+

Cons

  • High forex markup of 3.5% despite being a travel card
  • No insurance benefits
  • No golf benefits
  • No annual fee waiver option
  • Transfer partner caps (Group A: 30K, Group B: 1.2L per year)
Read full review
Best for: Frequent Marriott hotel guests who want to earn free night stays, Silver Elite status, and maximize hotel rewards at an affordable annual fee.
Marriott Bonvoy HDFC Bank

Marriott Bonvoy HDFC Bank

3.3 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹3,000

#71

Rewards rate

₹0.67 - ₹2.67/₹100

#62

Joining fee

₹3,000

#69

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
12/year #14
International Lounge
12/year #10
Min Credit Score
720+ #42
Categories Co-Branded, Lifestyle, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable joining and annual fee of Rs. 3,000 + GST with excellent value
  • Up to 4 Free Night Awards per year including welcome and milestones
  • Complimentary Marriott Bonvoy Silver Elite Status with priority late checkout
  • 12 domestic and 12 international airport lounge visits per year
  • 8 complimentary golf rounds and lessons per year via Diners Club

Cons

  • Diners Club network has limited acceptance at many merchants in India and internationally
  • No annual fee waiver option based on spending
  • Reward rates on non-hotel spends are relatively low at 0.67% to 1.33%
  • Forex markup of 3.5% makes it expensive for international transactions
Read full review
Best for: Frequent travellers who want to accumulate airmiles through everyday spending, with access to airport lounges and comprehensive travel insurance at an affordable annual fee.
HDFC Diners Club Miles

HDFC Diners Club Miles

3.9 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹9.16/₹100

#7

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
700+ #3
Categories Dining, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Best-in-class 1:1 airmile transfer ratio with Singapore Airlines, British Airways, and Club Vistara
  • 10X accelerated rewards on partner brands via SmartBuy
  • 6 complimentary domestic and international lounge visits per year
  • Comprehensive insurance coverage including Rs. 1 Crore air accident
  • Low annual fee of Rs. 1,000 with easy spend-based waiver at Rs. 1 lakh
  • 24/7 concierge service for travel assistance

Cons

  • Limited Diners Club network acceptance, especially in India - need a backup Visa/Mastercard
  • Foreign currency markup of 3% plus GST is on the higher side
  • 10X reward points capped at only 5,000 per month
  • Reward redemption fee of Rs. 99 per request
Read full review
Best for: HNIs and frequent travelers who want high rewards across all categories without restrictions, golf enthusiasts, and international travelers seeking low forex markup
Standard Chartered Ultimate

Standard Chartered Ultimate

3.7 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹5,000

#77

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

₹5,000

#75

Interest rate

45.00%

#37
Card details
Forex Markup
2.00% #7
Domestic Lounge
16/year #11
Min Credit Score
750+ #50
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Uncapped 3.33% rewards on most categories
  • 6,000 welcome points worth ₹6,000
  • Low 2% forex markup fee
  • 12 complimentary golf games per year
  • Priority Pass membership
  • Comprehensive travel insurance (₹1Cr air accident)
  • 5% cashback on duty-free purchases

Cons

  • No annual fee waiver option
  • Limited lounge access (4 domestic/quarter, 1 intl/month with spend condition)
  • Reduced 2% rewards on utilities, supermarkets, rent
  • No airline/hotel transfer partners
  • Amazon/Flipkart vouchers not available
  • Redemption fee ₹99 + GST
Read full review
Best for: Frequent travelers seeking 1:1 airline and hotel point transfers with instant redemption, travel marketplace accelerated rewards, and complimentary lounge access.
HSBC TravelOne

HSBC TravelOne

3.4 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

₹4,999

#73

Rewards rate

₹2.00 - ₹14.50/₹100

#5

Joining fee

₹4,999

#71

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
6/year #35
International Lounge
4/year #17
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Extensive 1:1 airline and hotel transfer partners (20+)
  • Accelerated rewards up to 24% via HSBC Rewards Marketplace
  • Instant point transfers via HSBC mobile app
  • 10 complimentary lounge visits per year (no min spend)
  • Golf access with 4 rounds + 12 lessons annually
  • Annual fee waiver on Rs. 8 lakh spend

Cons

  • High 3.5% forex markup negates international spend rewards
  • Many excluded categories (fuel, utilities, insurance, education)
  • Limited city availability for applications
  • Welcome benefits require app download + Rs. 10K spend in 30 days
Read full review
Best for: Frequent domestic travelers who want to earn airline miles on everyday spending and redeem for flights and hotels.
InterMiles Platinum HDFC Bank

InterMiles Platinum HDFC Bank

3.4 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹1,000

#45

Rewards rate

₹1.33 - ₹3.33/₹100

#52

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
700+ #3
Categories Co-Branded, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn InterMiles on every purchase redeemable for flights and hotels
  • 8 complimentary domestic lounge visits per year
  • 5% discount on Etihad Airways economy tickets
  • Low annual fee of Rs 1,000 with spend-based waiver
  • Welcome bonus of up to 3,000 InterMiles plus travel vouchers

Cons

  • No international lounge access
  • Forex markup of 3.5% is high for a travel card
  • No insurance coverage beyond zero liability
  • Add-on card holders do not get card benefits
Read full review
Best for: Budget-conscious travellers who want to earn reward points on everyday spending, access Diners Club lounges, and have a 24x7 concierge at a low annual fee.
HDFC Diners Club Rewardz

HDFC Diners Club Rewardz

3.7 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹1,000

#45

Rewards rate

₹0.60 - ₹5.50/₹100

#30

Joining fee

₹1,000

#43

Interest rate

43.20%

#19
Card details
Forex Markup
3.00% #25
Domestic Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Entry Level, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low annual fee of Rs. 1,000 with spend-based waiver at Rs. 1 lakh
  • 10X Reward Points on partner brand shopping
  • Unlimited access to 1,000+ Diners Club lounges in India
  • 24x7 Global Personal Concierge Service
  • 1% fuel surcharge waiver on transactions Rs. 400-5,000
  • Reward Points redeemable for flights, hotels, AirMiles, and more

Cons

  • Low base reward rate (3 RPs per Rs. 150 = 0.60% return)
  • Reward cap of 15,000 points per statement cycle
  • 10X partner rewards capped at just 2,000 points per month
  • No complimentary movie tickets or dining offers
  • No insurance coverage
  • Card no longer accepting new applications
Read full review
Best for: Frequent travellers who want complimentary global lounge access, low forex markup, and solid reward points on everyday spends.
HDFC Diners Club Premium

HDFC Diners Club Premium

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹2,500

#61

Rewards rate

₹9.16/₹100

#7

Joining fee

₹2,500

#59

Interest rate

43.20%

#19
Card details
Forex Markup
2.00% #7
Domestic Lounge
6/year #35
International Lounge
6/year #14
Min Credit Score
750+ #50
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Low 2% forex markup on foreign currency transactions
  • 6 complimentary lounge visits at 1000+ global airports
  • Rs 1 Crore air accident insurance cover
  • 10X reward points on international spends
  • Renewal fee waiver on Rs 3 lakh annual spend

Cons

  • Limited Diners Club network acceptance in India
  • No dining or entertainment offers
  • Reward rate of 1.3% is average for this fee range
  • Card sourcing has been stopped for new applications
Read full review
Best for: Frequent travellers who want to earn InterMiles on everyday spends with unlimited lounge access, golf privileges, and comprehensive travel insurance.
HDFC InterMiles Diners Club

HDFC InterMiles Diners Club

4.0 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹5,000

#77

Rewards rate

₹2.67 - ₹9.16/₹100

#7

Joining fee

₹5,000

#75

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
730+ #46
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic and international lounge access
  • Generous welcome benefits up to 25,000 InterMiles
  • 2x InterMiles on flight and hotel bookings via intermiles.com
  • Comprehensive insurance including Rs 2 Cr air accident cover
  • Unlimited complimentary golf games and coaching

Cons

  • Card has been phased out by HDFC Bank
  • Fuel and wallet transactions excluded from rewards
  • Grocery rewards capped at 1,000 per month
  • Redemption fee of Rs 99 per transaction
Read full review
Best for: Frequent travellers who want to earn air miles on everyday spends, with complimentary domestic and international lounge access and Etihad Airways discounts.
HDFC InterMiles Signature

HDFC InterMiles Signature

3.8 CardNitty rating
APPLY NOW on HDFC Bank's website

Annual fee

₹2,500

#61

Rewards rate

₹7.00/₹100

#14

Joining fee

₹2,500

#59

Interest rate

43.80%

#36
Card details
Forex Markup
2.00% #7
Domestic Lounge
16/year #11
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Earn up to 8,000 bonus InterMiles as welcome benefits
  • 16 complimentary domestic lounge visits per year
  • 5 free international lounge visits via Priority Pass
  • Low 2% forex markup vs industry standard 3.5%
  • Exclusive Dineout Passport with up to 35% off dining
  • Etihad Airways discounts: 5% Economy, 10% Business class

Cons

  • InterMiles can only be redeemed on InterMiles website
  • No insurance benefits beyond zero liability
  • Card has been discontinued and migrated to HDFC Diners Millennia
Read full review
Best for: Business owners with Rs.30L+ ITR who make significant tax/GST payments and want premium travel benefits with unlimited lounge access and 5X rewards.
HDFC Biz Black Metal Edition

HDFC Biz Black Metal Edition

4.1 CardNitty rating
APPLY NOW on HDFC Bank's website Rates & Fees

Annual fee

₹10,000

#80

Rewards rate

₹3.33 - ₹19.16/₹100

#1

Joining fee

₹10,000

#78

Interest rate

23.88%

#1
Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Business, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Industry-first 5X rewards on Income Tax and GST payments
  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 6 complimentary golf games per quarter at 100+ global courses
  • Club Marriott membership with 20% off dining and stays
  • Up to Rs.20,000 in milestone vouchers per calendar year
  • 55-day interest-free credit period
  • Low forex markup of 2% with Global Value Program cashback

Cons

  • Diners Club network has limited acceptance at small merchants
  • Accelerated 5X rewards require minimum Rs.50,000 spend per statement cycle
  • No fuel surcharge waiver offered
  • Business insurance is a paid add-on (not complimentary)
  • High joining fee of Rs.10,000 + GST may deter small businesses
Read full review
Best for: Frequent Taj Hotels guests, luxury travellers, high-net-worth individuals who value premium hotel privileges, exclusive lounge access, and concierge services
HSBC Taj

HSBC Taj

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website Rates & Fees

Annual fee

₹1,10,000

#87

Rewards rate

₹1.01 - ₹3.35/₹100

#51

Joining fee

₹1,10,000

#85

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Co-Branded, Dining, Lounge Access, Premium, Travel
View full details
CardNitty's take

Pros

  • Unlimited global airport lounge access via Priority Pass
  • Complimentary Taj Palace stay and 2 IHCL hotel nights on activation
  • 25% off on stays, dining, spa, and Qmin at Taj properties
  • Exclusive Chambers Lounge and Taj Club Lounge access
  • 4 Blacklane chauffeur-driven airport transfers per year
  • NeuPass Taj InnerCircle Platinum Tier membership
  • BookMyShow BOGO and Starbucks 50% off

Cons

  • Very high joining and annual fee of Rs 1.1 Lakh + GST
  • Base reward rate of 1% is low for the fee bracket
  • Benefits are primarily useful for Taj Hotel guests
  • Forex markup of 3.5% unless you are an HSBC executive banking client
  • Limited to select cities for eligibility
Read full review
Best for: High-net-worth individuals with FUM Rs. 50L+, frequent travelers, golf enthusiasts, premium dining lovers, Priority Banking customers
Standard Chartered Beyond

Standard Chartered Beyond

3.2 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹25,000

#86

Rewards rate

₹2.00 - ₹3.33/₹100

#52

Joining fee

₹15,000

#84

Interest rate

N/A

Card details
Forex Markup
2.00% #7
Domestic Lounge
Unlimited #1
International Lounge
Unlimited #1
Min Credit Score
750+ #50
Categories Dining, Lifestyle, Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unlimited domestic & international lounge access with 8 guest visits
  • 3.33% reward rate (Rs. 1 per point)
  • Rs. 15,000 welcome vouchers
  • 2 complimentary golf games per month
  • 25% dining discount via EazyDiner
  • BOGO movie tickets on BookMyShow
  • Low 2% forex markup
  • 15% duty-free cashback
  • Rs. 60,000 milestone on Rs. 20L spend

Cons

  • High FUM requirement (Rs. 50L+)
  • High annual fee (Rs. 25,000)
  • Limited to Priority Banking customers
  • Reduced rate on utilities/insurance (2%)
Read full review
Best for: Standard Chartered Priority Banking customers looking for a complimentary premium card with travel benefits, golf privileges, and comprehensive insurance coverage
Standard Chartered Priority Visa Infinite

Standard Chartered Priority Visa Infinite

4.7 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

FREE

Rewards rate

₹2.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
730+ #46
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • 24 complimentary lounge visits per year (domestic)
  • 2 golf games + 1 coaching per month
  • ₹1 Crore air accident insurance
  • Lifetime free for Priority Banking
  • 24x7 concierge services
  • Priority Pass membership worth USD 99

Cons

  • High 3.5% forex markup fee
  • Low 2% base reward rate
  • International lounge access requires ₹30L FUM
  • Only for Priority Banking customers
  • 3-year points expiry
  • ₹99 redemption fee
Read full review
Best for: Frequent domestic travelers who book through EaseMyTrip and want an affordable entry-level travel card with instant discounts
Standard Chartered EaseMyTrip

Standard Chartered EaseMyTrip

3.0 CardNitty rating
APPLY NOW on Standard Chartered Bank's website Rates & Fees

Annual fee

₹350

#8

Rewards rate

₹0.50 - ₹2.50/₹100

#63

Joining fee

₹350

#9

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
2/year #48
Min Credit Score
700+ #3
Categories Co-Branded, Entry Level, Lounge Access, Travel
View full details
CardNitty's take

Pros

  • Affordable annual fee of ₹350 waived at ₹50K spend
  • Flat 20% discount on hotel bookings via EaseMyTrip
  • 10X reward points on standalone hotel and airline bookings
  • No minimum spend threshold for EaseMyTrip discounts

Cons

  • International lounge access discontinued from Oct 2024
  • Only 2 domestic lounge visits per year
  • No fuel surcharge waiver or dining benefits
  • Limited to EaseMyTrip platform for discount benefits
Read full review
Best for: Medical professionals (allopathy doctors) who travel frequently, make medical supply purchases, and want professional indemnity insurance coverage included with their credit card.
Doctor's SBI Card

Doctor's SBI Card

3.4 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹1.25/₹100

#75

Joining fee

₹1,499

#52

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
700+ #3
Categories Lifestyle, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique Rs. 20 Lakh Professional Indemnity Insurance at no extra cost
  • 5X rewards on medical supplies, travel, and international spends (1.25% reward rate)
  • 12 airport lounge visits per year (8 domestic + 4 international Priority Pass)
  • Complimentary Priority Pass membership worth $99
  • Renewal fee waived on Rs. 2 Lakh annual spend
  • Visa Signature privileges including 24x7 concierge and luxury hotel benefits

Cons

  • Low base reward rate of 0.25% on general spends
  • High forex markup of 3.5% despite 5X on international spends
  • Reward points value is only Rs. 0.25 per point
  • 7,500 reward point monthly cap on accelerated categories
  • Not available for non-allopathy doctors
Read full review
Best for: Practicing doctors who travel frequently and want professional indemnity insurance coverage
Doctor's SBI Card (IMA)

Doctor's SBI Card (IMA)

3.2 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.25 - ₹1.25/₹100

#75

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Domestic Lounge
8/year #19
Min Credit Score
750+ #50
Categories Co-Branded, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Unique professional indemnity insurance of Rs. 20 Lakhs
  • 12 complimentary airport lounge visits per year (8 domestic + 4 international)
  • Complimentary Priority Pass membership worth $99
  • 5X rewards on medical supplies, travel and international spends
  • Renewal fee waiver on Rs. 2 Lakh annual spend

Cons

  • Low base reward rate of 0.25% (1 RP per Rs. 100)
  • High forex markup of 3.5% despite 5X international rewards
  • Only available to allopathic doctors with 3+ years experience
  • Reward point value is low at Rs. 0.25 per point
Read full review
Best for: Frequent Indian Railways travelers who book via IRCTC and want to maximize savings on train tickets with value back rewards and railway lounge access.
IRCTC SBI Card Premier

IRCTC SBI Card Premier

3.1 CardNitty rating
APPLY NOW on SBI Cards's website

Annual fee

₹1,499

#54

Rewards rate

₹0.80 - ₹2.40/₹100

#14

Joining fee

₹1,499

#52

Interest rate

42.00%

#14
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Co-Branded, Fuel, Lounge Access, Rewards, Travel
View full details
CardNitty's take

Pros

  • Up to 10% value back on IRCTC railway bookings
  • 1 Reward Point = Rs 1 (excellent point value)
  • Welcome bonus offsets joining fee entirely
  • 8 complimentary railway lounge visits per year
  • Milestone rewards up to Rs 7,500 annually
  • 1% fuel surcharge waiver
  • Annual fee waiver on Rs 2L spend

Cons

  • Low base reward rate of 0.8% on general spends
  • High forex markup of 3.5%
  • No airport lounge access
  • Air accident and rail accident insurance discontinued from July 2025
  • Reward Points tied to IRCTC loyalty account
  • No concierge or premium lifestyle benefits
Read full review
Best for: Frequent travellers who book through MakeMyTrip regularly and want to earn unlimited myCash rewards on flights, hotels, and holiday packages.
MakeMyTrip ICICI Bank

MakeMyTrip ICICI Bank

3.8 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

₹999

#41

Rewards rate

₹1.00 - ₹5.50/₹100

#30

Joining fee

₹999

#39

Interest rate

45.00%

#37
Card details
Forex Markup
0.99% #1
Domestic Lounge
8/year #19
International Lounge
1/year #21
Min Credit Score
700+ #3
Categories Co-Branded, Lounge Access, Rewards, Travel
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CardNitty's take

Pros

  • Up to 6% myCash on MakeMyTrip hotel bookings with no cap
  • Industry-low 0.99% forex markup on international transactions
  • 8 complimentary domestic lounge visits + 1 international per year
  • BOGO movie tickets on BookMyShow and INOX twice per month
  • Dual network (Mastercard + RuPay) with UPI earning capability
  • myCash never expires and equals Rs 1 each

Cons

  • myCash can only be redeemed on MakeMyTrip, not transferred to bank account
  • Lounge access limited to primary cardholder only
  • Only 1 international lounge visit per year
  • Fuel surcharge waiver limited to HPCL pumps only
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