Platinum Travel
✓ Base rate 1% on other spends earns you about ₹3,852 a year on ₹3,85,200 of spend.
Best for · Travel · updated 2026-09-19
Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.
Best credit card for flight booking (Sept 2026): American Express Platinum Travel – about 1.0% back on ₹15,000/month of flight booking, ₹27,312 net a year after fee. Runners-up: EaseMyTrip Standard Chartered and HSBC Live+. Ranked for ₹15,000 a month on flights, part of it on MakeMyTrip and IndiGo.
✓ Base rate 1% on other spends earns you about ₹3,852 a year on ₹3,85,200 of spend.
✓ 10% off EaseMyTrip flights (cap ₹5,000) earns you about ₹18,000 a year on ₹1,80,000 of…
✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹14,400 a…
| # | Card | Score | Net savings / yr | On flight booking / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | Platinum TravelAmerican Express | 90/100 | ₹27,312 5.8% rate | ₹1,800 1.0% back | You pay ₹5,900 | 8 domestic/yr |
| 2 | EaseMyTrip Standard CharteredStandard Chartered | 76/100 | ₹21,726 4.6% rate | ₹18,000 10.0% back | Waived | 4 domestic/yr |
| 3 | 72/100 | ₹18,378 3.9% rate | ₹2,700 1.5% back | Waived | 2 domestic + 1 international/yr | |
| 4 | Emeralde Private MetalICICI Bank | 64/100 | ₹13,308 2.8% rate | ₹4,590 2.5% back | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 5 | CASHBACK SBI CardSBI Card | 61/100 | ₹15,156 3.2% rate | ₹9,000 5.0% back | Waived | No lounge access |
| 6 | MillenniaHDFC Bank | 59/100 | ₹8,292 1.8% rate | ₹1,800 1.0% back | Waived | 8 domestic/yr |
| 7 | 58/100 | ₹12,033 2.6% rate | ₹6,750 3.7% back | Waived | 4 domestic/yr | |
| 8 | 57/100 | ₹8,775 1.9% rate | ₹2,250 1.3% back | Waived | 4 domestic/yr | |
| 9 | ACEAxis Bank × Google Pay | 57/100 | ₹8,664 1.8% rate | ₹3,600 2.0% back | Waived | 4 domestic/yr |
| 10 | Membership Rewards (MRCC)American Express | 56/100 | ₹16,212 3.5% rate | ₹1,800 1.0% back | Waived | No lounge access |
| 11 | IndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank | 55/100 | ₹8,994 1.9% rate | ₹4,950 2.8% back | Waived | 8 domestic/yr |
| 12 | Infinia MetalHDFC Bank | 55/100 | ₹8,495 1.8% rate | ₹5,094 2.8% back | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 13 | 54/100 | ₹12,564 2.7% rate | ₹9,000 5.0% back | You pay ₹5,900 | 8 domestic + 4 international/yr | |
| 14 | 54/100 | ₹9,873 2.1% rate | ₹6,750 3.7% back | Waived | 4 domestic/yr | |
| 15 | MarqueeYes Bank | 54/100 | ₹9,284 2.0% rate | ₹8,100 4.5% back | You pay ₹5,899 | unlimited domestic + 6 international/yr |
| 16 | Tata Neu Infinity HDFC BankHDFC Bank | 54/100 | ₹7,974 1.5% rate | ₹2,700 1.5% back | Waived | 8 domestic + 4 international/yr |
| 17 | UltimateStandard Chartered | 54/100 | ₹7,652 1.6% rate | ₹5,940 3.3% back | You pay ₹5,900 | unlimited domestic/yr |
| 18 | Zen SignatureKotak Mahindra Bank | 53/100 | ₹7,044 1.5% rate | ₹3,006 1.7% back | Waived | 8 domestic/yr |
| 19 | PrivilegeAxis Bank | 53/100 | ₹6,712 1.4% rate | ₹1,800 1.0% back | Waived | 8 domestic/yr |
| 20 | Scapia Federal BankFederal Bank | 51/100 | ₹11,544 2.5% rate | ₹7,200 4.0% back | Free for life | unlimited domestic/yr |
| 21 | 51/100 | ₹6,122 1.3% rate | ₹2,394 1.3% back | Waived | 12 domestic + 6 international/yr | |
| 22 | Diners Club PrivilegeHDFC Bank | 51/100 | ₹6,122 1.3% rate | ₹2,394 1.3% back | Waived | 8 domestic/yr |
| 23 | Regalia GoldHDFC Bank | 51/100 | ₹6,122 1.3% rate | ₹2,394 1.3% back | Waived | 12 domestic + 6 international/yr |
| 24 | 50/100 | ₹11,358 2.1% rate | ₹5,400 3.0% back | Waived | No lounge access | |
| 25 | 50/100 | ₹9,078 1.7% rate | ₹1,350 0.8% back | Waived | 4 domestic/yr |
Showing the top 25 of 119. Browse every card →
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for ₹15,000 a month on flights, part of it on MakeMyTrip and IndiGo. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
American Express Platinum Travel ranks first for flight booking on CardLens: about 1.0% back on ₹15,000/month of flight booking, ₹27,312 net a year after fee. EaseMyTrip Standard Chartered is second. The ranking is for a stated spend profile and changes with yours.
We take the standard Indian cardholder profile, change it to reflect this use (for ₹15,000 a month on flights, part of it on MakeMyTrip and IndiGo), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.
Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.
American Express Platinum Travel returns the most on airline tickets at this spend. Rates differ by where you book: some cards pay extra on specific airlines or travel sites (MakeMyTrip and IndiGo are part of this profile), so the ranking applies each card's published rules to that mix.
Yes, if you pay the bill in full: a large ticket earns rewards, travel cards add lounge visits, and a card payment can be disputed through your bank if a cancelled flight is never refunded. Carrying the balance costs around 3.5% a month or more on most Indian cards, which wipes out any reward.
If you pay a foreign airline in foreign currency, the forex markup (often 2–3.5%) matters as much as the reward rate. See the CardLens ranking for international travel, which counts the markup.