Premium Credit Cards with International Spend Offers in India 2026

3.33% reward on all card spends (except specific categories mentioned below)
– You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

2% reward on utilities, supermarkets, insurance, property management, schools & government payments
– You earn 2 reward points worth ₹2,, on every ₹100 you spend in these categories
– 1 reward point = ₹1. And can be redeemed on the Bank’s rewards redemption portal (R360) for vouchers, products and more.

No reward points are given on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month
– Program is brought to you through Golflan. All bookings need to be made through Golflan.
– For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

Complimentary visits to airport lounges in India – 4 times per quarter 

Complimentary visits to airport lounges outside India – 1 time per month (through Priority Pass program)
– You get complimentary Priority Pass membership worth USD 99 per year.
– You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on airport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000

Benefits
– Competitive flat reward rate of 3.33% on all card spends, except a few specified categories
– Complimentary airport lounge access, both in India and abroad
– Complimentary golf rounds & golf lessons

Drawbacks
– Low reward rate of 2% on supermarket shopping, one can earn a higher shopping reward rate on various cards

10% cashback on Samsung purchases, upto 5000 per month, and upto maximum 20,000 per year
You earn 10% cashback on Samsung purchases subject to below 2 conditions:
– 10% cashback is applicable only on purchases upto ₹2 lakhs per year, since you can earn a maximum cashback of ₹20,000 per year.
– And on purchases upto ₹50,000 per month, since you can earn a maximum cashback of ₹5000 per month

Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores under ‘Brand EMI’, on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers, on PayU Soft POS machines.

3% benefit at select partners : You earn 15 reward points worth ₹3, on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% benefit on international spends : You earn 15 reward points worth ₹3, on every ₹100 you spend on your card abroad.

1% basic benefit on all other card purchases : You earn 5 reward points worth ₹1, on every ₹100 you spend on all other card purchases.

Complimentary visits to airport lounges in India – upto 8 times per year 

Complimentary visits to airport lounges outside India – upto 6 times per year

Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
– Valid once a month.
– You get a 25% discount (up to ₹800), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount% will fall below 25%.

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000.

Benefits
– Good card for purchasing Samsung products, upto 10% cashback
– Special benefits on 5 partners serving diverse needs
– Special benefit on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific partners
– Low reward on travel spends, hence customers may need to also look for a good travel card

2.50% cashback on departmental store purchases || grocery purchases || dining spends
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
– Exception : No reward points are given on fuel purchases

Upto 1.50% additional cashback – on achieving 4 yearly credit card spend targets (milestone privileges program)
– You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend
– You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend
– You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend
Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.
(1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback)

Complimentary visits to airport lounges in India – 2 times per quarter

Complimentary visits to airport lounges outside India – 6 times per year
– The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
– You get complimentary Priority Pass membership worth US$ 99
– You get 6 free airport lounge visits per year (maximum 2 visits per quarter)

Low fee of 1.99% on international spends 

Complimentary Club Vistara Silver membership, benefits include-
– 1 complimentary upgrade voucher
– Priority airport check-in, at premium economy check-in counter
– Increased check-in baggage allowance

Complimentary Trident Privilege membership 
– Upon registration, you receive 1000 bonus welcome points.
– 10% instant saving on bookings made through the hotel website.
– You get 1500 bonus points on your first stay, and an additional ₹1000 hotel credit if you extend your stay
– During your stay at participating hotels, you earn 10 points for every ₹100 spent

1 complimentary movie ticket (upto ₹250) at Bookmyshow - 2 times per month
– You need to book at least 2 movie tickets, at one time
– 2nd movie ticket is free, upto ₹250
– Offer is valid 2 times per month
– Hence you can get free movie tickets worth ₹6,000 every year (₹500 per month)

1% fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver at all fuel stations across India-
– Only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Fraud liability cover : You get a complimentary credit card fraud liability cover of ₹1 lakh.

Benefits
– Attractive reward rate on department store, grocery and dining spends, especially if you utilise the milestone privileges program.
– Shopping benefits have no monthly caps/limits and are valid for both online as well as offline spends.
– Attractive travel benefits like complimentary airport lounge access in India and abroad, low foreign exchange conversion fee, complimentary Club Vistara Silver membership.
– Easy redemption of reward points, since reward points can be converted to cashback and paid into your monthly card statement.
– Complimentary credit card fraud liability cover of ₹1 lakh. This provides financial protection against unauthorised transactions and fraudulent activities, ensuring peace of mind for cardholders.

Drawbacks to consider
– High annual card spend target of ₹10 lakhs, to get annual fee waiver.
– Reward rate on travel spends is low, hence frequent travellers may need to look at other premium travel cards.

3.75% cashback on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% cashback on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (1 reward point = ₹0.25, and can be redeemed for cashback)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (1 reward point = ₹0.25, and can be redeemed for cashback)

0.75% basic benefit on all other card spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases (1 reward point = ₹0.25, and can be redeemed for cashback).
Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.5 reward points worth 37 paise, on every ₹100 you spend in these categories.

Upto 1.50% additional benefit, on achieving 2 card spend levels (milestone rewards)
– You earn 10,000 points worth ₹2500, at ₹50,000 card spend within 60 days of card issuance date
– You earn 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend
Hence you can earn a total of 30,000 bonus reward points worth ₹7500, at 5 lakhs yearly card spend - 1.50% benefit 
(1 reward point = ₹0.25, and can be redeemed for cashback)

Unlimited complimentary visits to airport lounges in India

Low fee of 2% on international spends 
- You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket (upto ₹250) once a month – at Paytm Movies
– You get ‘Buy One Get One Free’ movie offer (BOGO) at Paytm Movies. 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons
✓ Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)
✓ Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver, upto ₹250 per month : You get fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

Benefits
– Good cashback 3.75% on various categories – travel, online spending, dining & international spending.
– Opportunity to earn upto 1.50% more, if you spend ₹5 lakhs on your card in a year. Hence you have the opportunity to earn around 4-5% on a large part of your spending needs.
– Unlimited free airport lounge access in India
– Attractive lifestyle & fitness benefits – complementary golf rounds & golf lessons, as well as gym memberships
– Appealing benefits on international spending : You earn 3.75% cashback on international spending, at the same time you enjoy reduced fee of 2% on these spends.

Drawbacks to consider
– Complimentary access to international airport lounges is not available.
– Benefit rate for offline shopping (in-store shopping) is low

4.50% benefit on online shopping || 2.25% benefit on offline shopping
– You get 18 rewards points (Yes Rewardz Points) worth ₹4.50, on every ₹100 you spend on online shopping (see exceptions below)
– You get 9 rewards points (Yes Rewardz Points) worth ₹2.25, on every ₹100 you spend on offline spends
– 1 rewards point = ₹0.25, and can be redeemed for vouchers, products and more
– Restrictions : You can earn a maximum of 1 lakh reward points in a month. This would be breached only if you spend more than ₹5.55 lakhs in a month, even if you do all your spends in the higher earning category of online shopping.
Exceptions
– No reward points are given on fuel transactions, EMI transactions and cash withdrawals
– Certain select categories earn 1.25% benefit only (5 reward points on every ₹100 card spend), such as grocery & supermarkets, utility bills, insurance, government institutions, educational institutions, local transportation including cabs. Please refer to bank website for full list.

Unlimited free visits to international airport lounges

Complimentary visits to airport lounges in India – 6 per quarter

Guest visits to airport lounges (domestic or international) – 8 per year

Complimentary golf – 4 free golf rounds per year (maximum 1 per month) || 1 free golf lesson per month

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹2400 per month
– Buy one ticket and get up to ₹800 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Low fee (foreign currency markup) of 1% on international transactions

Fuel surcharge waiver, upto ₹1000 per month 
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto 1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Complimentary insurance benefits
– Lost card liability of ₹15 lakhs, which protects in case of fraudulent transactions on the cardholder’s card
– Credit shield cover of ₹15 lakhs, which protects dependents from unpaid card bills, in the unfortunate event of the cardholder’s death
– Purchase protection plan : Cover against accidental damage for 6 months, for mobile & electronic devices purchased online

Benefits
– 4.50% on online shopping, although there are some important exceptions like grocery & supermarket purchases.
– Complimentary lounge access both in India (6 per quarter) and abroad (unlimited)
– Complimentary golf rounds (4 per year)
– Low fee of 1% on international transactions

Drawbacks to consider
– Can get higher rewards on other premium cards, especially on certain spends like supermarket purchases

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to airport lounges in India – 4 times per quarter

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends

2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹1
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Upto 1.3% additional benefit, through monthly milestone program
– You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
– Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
– You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
– Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
– This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto ₹15 lakhs
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
– Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, airport meet & assist, golf, movie tickets, insurance benefits and more
– Good annual fee related offers

Drawbacks
– Reward rate on card spending is comparatively low, especially on shopping spen

5% benefit on international spends & weekend dining spends || 0.50% benefit on all other card spends
– You get 20 reward points (worth ₹5), on every ₹100 you spend abroad and on weekend dining spends. This benefit is given on total purchases upto ₹10,000 per month, in these categories.
– You get 2 reward points (worth ₹0.50), on every ₹100 you spend on all other card purchases.
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.
– Exceptions : You will not earn reward points on the following card spends – fuel, railways, utility bills, rental, wallet loads & insurance.

Milestone benefit, of upto 1.4%
– You get 10,000 reward points (worth ≈ ₹2500), at yearly card spend of ₹3 lakhs
– You get additional 15,000 reward points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get additional 20,000 reward points (worth ≈ ₹5000), at yearly card spend of ₹8 lakhs
Hence you get a total of 45000 reward points worth ₹11250, at yearly card spend of ₹8 lakhs – 1.4% benefit

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges outside India
– You get a complimentary Priority Pass membership worth USD 99, which enables access to airport lounges abroad.
– However each lounge visit is chargeable – USD 32 per visit.

Complimentary golf benefits – 4 free golf rounds per year || 1 free golf lesson per month (through Mastercard)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

24/7 Concierge Desk
– Golf course referral and reservation assistance
– Car rental and limousine referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance
– Flower and gift delivery assistance
– Business services
– Special events and performance assistance

Fuel surcharge waiver, upto ₹200 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹20,000 per month, since the waiver amount is restricted to ₹200 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹200 in all cases

Benefits
– 5% on international spends
– Range of lifestyle benefits such as airport lounge access, movie tickets, golf rounds, concierge services

Drawbacks
– Reward rate on card spending is comparatively low

Metal credit card

3% reward (in terms of airmiles) on all card spends
- You earn 3 reward points, on every ₹100 you spend on your credit card. Reward points never expire.
- Reward points can be converted to airmiles. 1 reward point = 1 Club Vistara Point || 1 Air India Flying Return Point || 1 British Airways Avios Mile || 1 Etihad Airways Airmile

Unlimited complimentary access to airport lounges both in India and abroad

Free golf rounds - 24 rounds per year (maximum 2 rounds per month) || Free golf lessons - 12 lessons per year (maximum 2 lessons per month)
- This is a benefit as part of HSBC Premier banking relationship

Low fee of 0.99% on foreign transactions
-This fee is charged is charged on value of foreign transactions

30% off your bill with EazyDiner, upto ₹1,250

Benefits
- Good lifestyle benefits

Drawbacks to consider
- You can get higher rewards on card spends, on other premium travel cards