Best for · By type · updated 2026-09-19

Best travel credit cards in India

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 travel rewards and miles (Sept 2026): American Express Platinum Travel – about 1.0% back on ₹10,000/month of travel rewards and miles, ₹27,326 net a year after fee. Runners-up: EaseMyTrip Standard Chartered and Emeralde Private Metal. Ranked for a traveller spending ₹15,000 a month on flights and hotels who wants 8 domestic and 2 international lounge visits.

Standard profile
Scored for Travel rewards and miles profile · ₹44k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 for travel rewards and miles

American Express Platinum Travel credit card
American ExpressAmerican Express

Platinum Travel

84
Net savings₹27,326/yr
Savings rate5.8%
Annual feeYou pay ₹5,900
Lounge✈8 dom

✓ Base rate 1% on other spends earns you about ₹3,866 a year on ₹3,86,640 of spend.

Details
Standard Chartered EaseMyTrip Standard Chartered credit card
Standard Chartered× EaseMyTripVisa

EaseMyTrip Standard Chartered

77
Net savings₹25,393/yr
Savings rate5.4%
Annual feeWaived ₹413
Lounge✈4 dom

✓ 10% off EaseMyTrip flights (cap ₹5,000) earns you about ₹12,000 a year on ₹1,20,000 of…

Details
ICICI Bank Emeralde Private Metal credit card
ICICI BankVisa

Emeralde Private Metal

66
Net savings₹13,345/yr
Savings rate2.8%
Annual feeYou pay ₹14,749
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.55% on other spends earns you about ₹8,758 a year on ₹3,43,440 of spend.

Details

All 37 cards ranked for travel rewards and miles

Cards ranked for travel rewards and miles
#CardScoreNet savings / yrOn travel rewards and miles / yrAnnual feeLounge
1American Express Platinum Travel credit cardPlatinum TravelAmerican Express84/100₹27,326
5.8% rate		₹1,200
1.0% back		You pay ₹5,9008 domestic/yr
2Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered77/100₹25,393
5.4% rate		₹12,000
10.0% back		Waived ₹4134 domestic/yr
3ICICI Bank Emeralde Private Metal credit cardEmeralde Private MetalICICI Bank66/100₹13,345
2.8% rate		₹3,060
2.5% back		You pay ₹14,749unlimited domestic + unlimited international/yr
4HDFC Bank Infinia Metal credit cardInfinia MetalHDFC Bank57/100₹8,535
1.8% rate		₹3,396
2.8% back		You pay ₹14,750unlimited domestic + unlimited international/yr
5Axis Bank Atlas credit cardAtlasAxis Bank55/100₹12,233
2.6% rate		₹6,000
5.0% back		You pay ₹5,9008 domestic + 4 international/yr
6Yes Bank Marquee credit cardMarqueeYes Bank54/100₹9,803
2.1% rate		₹5,400
4.5% back		You pay ₹5,899unlimited domestic + 6 international/yr
7Standard Chartered Ultimate credit cardUltimateStandard Chartered51/100₹7,699
1.6% rate		₹3,960
3.3% back		You pay ₹5,900unlimited domestic/yr
8Axis Bank Horizon credit cardHorizonAxis Bank50/100₹9,593
2.0% rate		₹6,000
5.0% back		You pay ₹3,5408 domestic + 4 international/yr
9AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank48/100₹6,635
1.4% rate		₹6,000
5.0% back		You pay ₹5,899unlimited domestic + 4 international/yr
10Federal Bank Scapia Federal Bank credit cardScapia Federal BankFederal Bank45/100₹11,333
2.4% rate		₹4,800
4.0% back		Free for lifeunlimited domestic/yr
11Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank43/100₹6,127
1.3% rate		₹1,200
1.0% back		Waived ₹1,7708 domestic/yr
12ICICI Bank MakeMyTrip ICICI Bank Signature credit cardMakeMyTrip ICICI Bank SignatureICICI Bank41/100₹7,226
1.5% rate		₹1,200
1.0% back		Waived ₹2,9508 domestic + 8 international/yr
13SBI Card Yatra SBI Card credit cardYatra SBI CardSBI Card40/100₹9,265
2.0% rate		₹4,800
4.0% back		Waived ₹589No lounge access
14Axis Bank Burgundy Private credit cardBurgundy PrivateAxis Bank40/100₹6,160
1.3% rate		₹1,800
1.5% back		Free for lifeunlimited domestic + unlimited international/yr
15RBL Bank World Safari credit cardWorld SafariRBL Bank40/100₹2,603
0.6% rate		₹1,500
1.3% back		You pay ₹3,5408 domestic + 8 international/yr
16HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank39/100₹165
0.0% rate		₹3,204
2.7% back		You pay ₹11,800unlimited domestic + unlimited international/yr
17HSBC HSBC TravelOne credit cardHSBC TravelOneHSBC38/100₹550
0.1% rate		₹2,400
2.0% back		You pay ₹5,8996 domestic + 4 international/yr
18AU Small Finance Bank ixigo AU credit cardixigo AUAU Small Finance Bank37/100₹5,022
0.9% rate		₹3,000
2.5% back		Waived ₹1,1794 domestic/yr
19ICICI Bank Adani One ICICI Bank Signature credit cardAdani One ICICI Bank SignatureICICI Bank36/100₹5,910
1.3% rate		₹8,400
7.0% back		You pay ₹5,900unlimited domestic + 4 international/yr
20HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank35/100₹819
0.2% rate		₹1,440
1.2% back		You pay ₹3,54012 domestic + 12 international/yr
21SBI Card SBI Card MILES ELITE credit cardSBI Card MILES ELITESBI Card34/100−₹1,059
-0.2% rate		₹2,160
1.8% back		You pay ₹5,8998 domestic + 6 international/yr
22SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card33/100₹2,194
0.5% rate		₹2,400
2.0% back		You pay ₹5,8998 domestic/yr
23IndusInd Bank Pinnacle credit cardPinnacleIndusInd Bank31/100₹6,440
1.4% rate		₹2,100
1.8% back		Free for life0 domestic + 4 international/yr
24HDFC Bank 6E Rewards IndiGo HDFC Bank credit card6E Rewards IndiGo HDFC BankHDFC Bank31/100₹5,177
1.1% rate		₹1,200
1.0% back		Waived ₹590No lounge access
25Axis Bank Olympus credit cardOlympusAxis Bank28/100−₹3,408
-0.7% rate		₹8,400
7.0% back		You pay ₹23,600unlimited domestic + unlimited international/yr

Showing the top 25 of 37. 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 a traveller spending ₹15,000 a month on flights and hotels who wants 8 domestic and 2 international lounge visits. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

Related

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Frequently asked questions

Which credit card is best for travel rewards and miles in India in Sept 2026?

American Express Platinum Travel ranks first for travel rewards and miles on CardLens: about 1.0% back on ₹10,000/month of travel rewards and miles, ₹27,326 net a year after fee. EaseMyTrip Standard Chartered is second. The ranking is for a stated spend profile and changes with yours.

How does CardLens rank cards for travel rewards and miles?

We take the standard Indian cardholder profile, change it to reflect this use (for a traveller spending ₹15,000 a month on flights and hotels who wants 8 domestic and 2 international lounge visits), 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.

Will my own answer be different?

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.