#1
HSBC
HSBC TravelOne Credit Card
4X points on flights, travel & foreign spends + 10 lounge visits
₹4,999 joining + annualTravel
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Best cards
Best travel cards in India (2026)
A travel card earns its fee through lounges, low forex markup and transferable points. Fees here are high, so the maths only works if you actually travel.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HSBC
HSBC Premier Credit Card
Unlimited lounges, 0.99% forex & 1:1 air-mile transfers
₹12,000 joining feeTravelPremium
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#3
HDFC Bank
HDFC Regalia Gold Card
5 points per ₹200 + up to ₹16,000 in milestone vouchers
₹2,500 + GST a yearTravel
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#4
SBI Card
Air India SBI Signature Card
20,000 welcome points + up to 1 lakh milestone points a year
₹4,999 + taxes a yearTravel
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#5
HDFC Bank
Marriott Bonvoy Card
Bonvoy points + a Free Night Award every year
₹3,000 + GST a yearTravel
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#6
HSBC
HSBC Taj Credit Card
Taj stays, lounges & dining privileges for luxury travellers
₹1,10,000 + GST every yearTravelPremium
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HSBC TravelOne Credit CardHSBC | ₹4,999 joining + annual | 4X points on flights, travel & foreign spends + 10 lounge visits | No |
| HSBC Premier Credit CardHSBC | ₹12,000 joining fee | Unlimited lounges, 0.99% forex & 1:1 air-mile transfers | No |
| HDFC Regalia Gold CardHDFC Bank | ₹2,500 + GST a year | 5 points per ₹200 + up to ₹16,000 in milestone vouchers | No |
| Air India SBI Signature CardSBI Card | ₹4,999 + taxes a year | 20,000 welcome points + up to 1 lakh milestone points a year | No |
| Marriott Bonvoy CardHDFC Bank | ₹3,000 + GST a year | Bonvoy points + a Free Night Award every year | No |
| HSBC Taj Credit CardHSBC | ₹1,10,000 + GST every year | Taj stays, lounges & dining privileges for luxury travellers | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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