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CardSahayak Financial Intelligence
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Travel & Lounge Credit Cards • Audits & Comparisons

Compare verified credit cards across 33+ Indian banks with real math. Every annual fee waiver, quarterly lounge rule, forex markup, and reward redemption fee unmasked from official Schedule of Charges.

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Active: Category: Travel

Showing 1-12 of 29 verified cards

HSBC Mastercard World
MITC Verified Nov 2026
HSBC
TRAVEL

HSBC TravelOne

•••• •••• •••• 3362

CardSahayak Score Verified
88 /100
4.4
Min CIBIL 750+ Min ₹50,000/mo

HSBC TravelOne

HSBC • Travel Tier

Our Take: HSBC TravelOne: Ultra-low 0.99% forex markup, 4 RP/₹100 on flights & forex, 2 RP/₹100 on other spends, instant 1:1 air miles transfer, and 10 lounge visits (6 dom + 4 intl). Fee waived on ₹8L spend.
Annual Fee
₹4,999
Waived @ ₹8 Lakh spend/yr
Joining Fee
₹4,999
₹4,000 Welcome Bonus
Rewards Rate
2.0%
Base Rate • Accelerated
Airport Lounges
6 Dom + 4 Intl / yr
Free (No spend rule)
✓ Ultra-low 0.99% foreign exchange markup fee — among the lowest across premium cards in India
✓ Instant 1:1 Air Miles & hotel points transfer directly in HSBC India Mobile App across 20+ global partners
− Annual renewal fee of ₹4,999 + GST if spend waiver threshold of ₹8 Lakhs is not met
Estimated Net Value
+₹28,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.99% + GST
Lounge Access
6 Dom + 4 Intl / yr
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Govt, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: Up to 45 days
IndusInd Bank Visa Infinite • Metal
MITC Verified Nov 2026
IndusInd Bank
METAL

IndusInd Avios

•••• •••• •••• 3380

VISA
CardSahayak Score Verified
88 /100
4.4
Min CIBIL 700+ Min ₹20,000/mo

IndusInd Avios

IndusInd Bank • Travel Tier

Our Take: Premium travel card earning Avios for Qatar/British Airways with Priority Pass.
Annual Fee
₹10,000
No spend-based annual fee waiver available.
Joining Fee
₹40,000
₹20,000 Welcome Bonus
Rewards Rate
3.0%
Base Rate
Airport Lounges
8 Dom + 8 Intl / yr
Domestic: 2 complimentary loun...
✓ 20,000 welcome Avios upon card setup and fee payment
✓ Up to 36,000 milestone Avios annually across spend tiers
− High ₹40,000 joining fee
Estimated Net Value
+₹38,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.50% + GST
Lounge Access
8 Dom + 8 Intl / yr
Domestic: 2 complimentary loun...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.83% - 3.83% p.m.
Interest-Free Period: Up to 50 days
ICICI Bank Visa Signature
MITC Verified Nov 2026
ICICI Bank
TRAVEL

ICICI Adani One Signature

•••• •••• •••• 2980

VISA
CardSahayak Score Verified
88 /100
4.4
Min CIBIL 750+ Min ₹75,000/mo

ICICI Adani One Signature

ICICI Bank • Travel Tier

Our Take: Premium airport and ecosystem travel card offering 7% on Adani One, 4 domestic lounges/quarter on ₹75K spend, 2 international lounges/year, Adani airport valet & porter perks, and BookMyShow BOGO up to ₹500.
Annual Fee
₹5,000
Waived @ ₹6 Lakh spend/yr
Joining Fee
₹5,000
₹9,000 Welcome Bonus
Rewards Rate
7.0%
Base Rate • Accelerated
Airport Lounges
16 Dom + 2 Intl / yr
4 complimentary domestic airpo...
✓ Welcome benefits worth up to ₹9,000 including flight and hotel vouchers upon card activation and fee payment
✓ 7% Adani Reward Points on spends across the Adani ecosystem via the Adani One app (flights, hotels, duty-free, train, and cabs)
− High annual renewal fee of ₹5,000 + GST
Estimated Net Value
+₹78,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
16 Dom + 2 Intl / yr
4 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Rent
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Bank of Baroda Visa Infinite 0% Zero Forex
MITC Verified Nov 2026
Bank of Baroda
METAL

BOBCARD Etihad Guest Premium Credit Card

•••• •••• •••• 2428

VISA
CardSahayak Score Verified
88 /100
4.4
Min CIBIL 750+ Min ₹83,333/mo

BOBCARD Etihad Guest Premium Credit Card

Bank of Baroda • Travel Tier

Our Take: Premium metal airline card offering 0% forex markup, 12 domestic & 8 international lounge visits, Etihad Gold tier, and ₹5L waiver.
Annual Fee
₹5,000
Waived @ ₹5 Lakh spend/yr
Joining Fee
₹5,000
₹15,000 Welcome Bonus
Rewards Rate
6.0%
Base Rate
Airport Lounges
12 Dom + 8 Intl / yr
3 complimentary domestic airpo...
✓ Genuine 0% foreign currency markup on all international transactions
✓ 12 complimentary domestic airport lounge visits per year (3 per quarter)
− ₹5,000 annual fee with ₹5 Lakh spend waiver hurdle
Estimated Net Value
+₹21,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
0.00% + GST
0% Zero Forex
Lounge Access
12 Dom + 8 Intl / yr
3 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
HDFC Bank Diners Club Super_premium
MITC Verified Nov 2026
HDFC Bank
TRAVEL

HDFC Marriott Bonvoy

•••• •••• •••• 1799

DC
Diners
CardSahayak Score Verified
87 /100
4.4
Min CIBIL 725+ Min ₹1,00,000/mo

HDFC Marriott Bonvoy

HDFC Bank • Travel Tier

Our Take: Co-branded hotel card with 1 Free Night Award voucher annually, Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits, 8 pts/₹150 at Marriott, and 12 domestic + 12 international airport lounge visits per year with no spend hurdle. Annual fee ₹3,000 + GST.
Annual Fee
₹3,000
No spend-based waiver (1 Free Night Award voucher up to 15,000 points credited annually upon payment of joining/renewal fee)
Joining Fee
₹3,000
₹15,000 Welcome Bonus
Rewards Rate
5.3%
Base Rate
Airport Lounges
12 Dom + 12 Intl / yr
12 complimentary domestic airp...
✓ 1 Free Night Award (up to 15,000 Marriott Bonvoy Points) as Welcome & Renewal benefit
✓ Complimentary Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits every year
− Annual fee of ₹3,000 + GST cannot be waived through spending milestones
Estimated Net Value
+₹23,990/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
12 Dom + 12 Intl / yr
12 complimentary domestic airp...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
ICICI Bank Mastercard Platinum Lifetime Free
MITC Verified Nov 2026
ICICI Bank
TRAVEL

ICICI MakeMyTrip

•••• •••• •••• 5069

CardSahayak Score Verified
87 /100
4.3
Min CIBIL 700+ Min ₹75,000/mo

ICICI MakeMyTrip

ICICI Bank • Travel Tier

Our Take: Travel co-branded card offering ₹500 My Cash welcome bonus, 1 domestic lounge visit/quarter on ₹75K spend, ₹0 annual renewal fee, and accelerated My Cash on MakeMyTrip bookings.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹500
₹1,000 Welcome Bonus
Rewards Rate
3.0%
Base Rate • Accelerated
Airport Lounges
4 Domestic / yr
1 complimentary domestic airpo...
✓ Welcome gift of ₹500 My Cash + Lemon Tree Hotels voucher worth ₹2,000 on joining fee payment
✓ Zero annual renewal fee — Lifetime Free after one-time ₹500 joining fee
− Domestic lounge access requires ₹75,000 spend in the preceding calendar quarter
Estimated Net Value
+₹13,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
4 Domestic / yr
1 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
SBI Card Mastercard, Rupay Premium
MITC Verified Nov 2026
SBI Card
TRAVEL

SBI Miles Elite

•••• •••• •••• 1095

CardSahayak Score Verified
87 /100
4.3
Min CIBIL 750+ Min ₹50,000/mo

SBI Miles Elite

SBI Card • Travel Tier

Our Take: Flagship travel card offering 6 Travel Credits per ₹200 on travel, 5,000 TC welcome gift, 8 domestic & 6 international lounges, 1.99% low forex markup.
Annual Fee
₹4,999
Waived @ ₹15 Lakh spend/yr
Joining Fee
₹4,999
₹5,000 Welcome Bonus
Rewards Rate
3.0%
Base Rate
Airport Lounges
8 Dom + 6 Intl / yr
8 complimentary domestic airpo...
✓ 5,000 Travel Credits welcome benefit on spends of ₹1,00,000 within 60 days of card issuance (1 TC = ₹1)
✓ 6 Travel Credits per ₹200 (3.00% return) on travel bookings
− Very steep ₹15,00,000 annual spend required for fee waiver
Estimated Net Value
+₹33,001/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
1.99% + GST
Lounge Access
8 Dom + 6 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Standard Chartered Visa Easemytrip
MITC Verified Nov 2026
Standard Chartered
TRAVEL

Standard Chartered EaseMyTrip

•••• •••• •••• 8432

VISA
CardSahayak Score Verified
87 /100
4.3
Min CIBIL 700+ Min ₹20,833/mo

Standard Chartered EaseMyTrip

Standard Chartered • Travel Tier

Our Take: SCB EaseMyTrip: 20% off hotels & 10% off flights via EaseMyTrip (code EMTSCB), 10X RP on direct airline/hotel bookings, and 2 domestic lounge visits/year. Low ₹350 fee waived on ₹50k spend.
Annual Fee
₹350
Waived @ ₹50,000 spend/yr
Joining Fee
₹350
₹3,000 Welcome Bonus
Rewards Rate
20%
Flat Cashback • Accelerated
Airport Lounges
2 Domestic / yr
Free (No spend rule)
✓ Flat 20% instant discount on domestic and international hotel bookings on EaseMyTrip
✓ Flat 10% instant discount on domestic and international flight bookings on EaseMyTrip
− Instant discounts on EaseMyTrip are limited to once per category per calendar month
Estimated Net Value
+₹47,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
2 Domestic / yr
Free (No spend rule)
Redemption Fee
₹99
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 18 to 48 days
ICICI Bank Visa Premium Lifetime Free
MITC Verified Nov 2026
ICICI Bank
TRAVEL

ICICI MakeMyTrip Signature

•••• •••• •••• 6990

VISA
CardSahayak Score Verified
86 /100
4.3
Min CIBIL 700+ Min ₹75,000/mo

ICICI MakeMyTrip Signature

ICICI Bank • Travel Tier

Our Take: Premium travel co-branded card offering ₹1,500 My Cash welcome bonus, 2 domestic lounges/quarter on ₹75K spend, 1 international lounge/year, ₹0 annual renewal fee, and MMTBLACK Platinum.
Annual Fee
₹0
Lifetime Free (Zero Annual Fee)
Joining Fee
₹2,500
₹2,000 Welcome Bonus
Rewards Rate
6.0%
Base Rate • Accelerated
Airport Lounges
8 Dom + 1 Intl / yr
2 complimentary domestic airpo...
✓ Welcome benefits worth over ₹7,000: ₹1,500 My Cash + Lemon Tree Hotels voucher worth ₹2,500 + MMTBLACK Platinum membership
✓ Zero annual renewal fee — Lifetime Free after one-time ₹2,500 joining fee
− ₹2,500 + GST one-time joining fee required
Estimated Net Value
+₹24,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Dom + 1 Intl / yr
2 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Fuel, Wallets
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
State Bank of India Mastercard Prime
MITC Verified Nov 2026
State Bank of India
TRAVEL

SBI Card MILES PRIME

•••• •••• •••• 4214

CardSahayak Score Verified
86 /100
4.3
Min CIBIL 750+ Min ₹50,000/mo

SBI Card MILES PRIME

State Bank of India • Travel Tier

Our Take: Mid-tier travel credit card offering 4 Travel Credits per ₹200 on travel, 3,000 TC welcome gift, 8 domestic & 4 international lounges, 2.50% forex.
Annual Fee
₹2,999
Waived @ ₹10 Lakh spend/yr
Joining Fee
₹2,999
₹3,000 Welcome Bonus
Rewards Rate
2.0%
Base Rate
Airport Lounges
8 Dom + 4 Intl / yr
8 complimentary domestic airpo...
✓ 3,000 Travel Credits welcome benefit on spends of ₹60,000 within 60 days of card issuance (1 TC = ₹1)
✓ 4 Travel Credits per ₹200 (2.00% return) on travel spends
− High ₹10,00,000 spend threshold for annual renewal fee waiver
Estimated Net Value
+₹28,000/yr
Net value benchmarked on ₹10L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
2.50% + GST
Lounge Access
8 Dom + 4 Intl / yr
8 complimentary domestic airpo...
Redemption Fee
₹99
Per redemption request
Exclusions
Fuel, Rent, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.75% - 3.75% p.m.
Interest-Free Period: 20 to 50 days
Axis Bank Visa Super_premium
MITC Verified Nov 2026
Axis Bank
TRAVEL

Axis Atlas

•••• •••• •••• 2347

VISA
CardSahayak Score Verified
86 /100
4.3
Min CIBIL 750+ Min ₹1,00,000/mo

Axis Atlas

Axis Bank • Travel Tier

Our Take: Travel credit card earning 5X EDGE Miles on flights & hotels and 2X base miles, with up to 18 domestic and 12 international lounge visits, and 1:1 / 1:2 partner transfers.
Annual Fee
₹5,000
No spend-based waiver; renewal fee compensated by bonus EDGE Miles (up to 10,000 EDGE Miles based on tier: Silver 2,500, Gold 5,000, Platinum 10,000)
Joining Fee
₹5,000
₹5,000 Welcome Bonus
Rewards Rate
4.0%
Base Rate • Accelerated
Airport Lounges
8 Dom + 4 Intl / yr
Free (No spend rule)
✓ 5 EDGE Miles per ₹100 spent directly on airline tickets, hotel reservations, and Travel EDGE portal (up to ₹2,00,000 monthly spend)
✓ 2 EDGE Miles per ₹100 spent on all other eligible domestic and international retail spends
− Annual fee of ₹5,000 + GST with no spend-based fee waiver
Estimated Net Value
+₹20,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Dom + 4 Intl / yr
Free (No spend rule)
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Rent, Wallets, Fuel
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.60% - 3.75% p.m.
Interest-Free Period: Up to 50 days
American Express Amex Platinum Travel ★ CS Editor's Choice
MITC Verified Nov 2026
American Express
METAL

American Express Platinum Travel

•••• •••• •••• 6712

AMERICAN EXPRESS
CardSahayak Score Verified
86 /100
4.3
Min CIBIL 720+ Min ₹50,000/mo

American Express Platinum Travel

American Express • Travel Tier

Our Take: Amex Platinum Travel: Earn 1 MR per ₹50, 8 domestic lounge visits/year (₹1L/qtr spend), 10,000 bonus MR on ₹4L spend, and ₹20,000 Taj Experiences E-Gift Card on ₹7L spend.
Annual Fee
₹5,000
No spend-based waiver
Joining Fee
₹5,000
₹10,000 Welcome Bonus
Rewards Rate
2.0%
Base Rate
Airport Lounges
8 Domestic / yr
8 complimentary domestic airpo...
✓ 10,000 Welcome bonus MR points on ₹15,000 spend in first 90 days
✓ 10,000 bonus Membership Rewards points on reaching ₹4,00,000 annual spend
− Annual renewal fee of ₹5,000 + GST with no spend-based waiver
Estimated Net Value
+₹5,000/yr
Net value benchmarked on ₹3L spend
Apply via Bank View Full Review
Direct Official Portal • Zero Spam
Rates, Fees & MITC Fine Print
Forex Markup
3.50% + GST
Lounge Access
8 Domestic / yr
8 complimentary domestic airpo...
Redemption Fee
₹0 Fee
Per redemption request
Exclusions
Fuel, Utilities
Zero rewards earned
Fuel Surcharge: 1% waiver (₹400 - ₹4,000)
Interest Charges: 3.50% - 3.50% p.m.
Interest-Free Period: Up to 48 days
Amex Acceptance & Terms: 95%+ online acceptance across Amazon, Flipkart, Swiggy, Zomato, and MakeMyTrip.
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