Best credit card for international travel under ₹60,000 annual fee
Rakesh Palaniswamy
Asked 16 May 2026
Please recommend a credit card with annual fee under ₹25,000 that excels at lounge access. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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