Overseas purchases / 9 matches

International spends

Cards that pair overseas reward earn with a competitive foreign-currency cost.

Subtract forex markup, GST and dynamic-currency-conversion costs from the headline reward value.

01 / Mastercard World / Visa Infinite

IDFC Mayura

IDFC FIRST Bank

Why it qualifies

5X rewards on international spend with zero forex markup

Monthly slab mechanics and exclusions apply.

Card highlights

Forex: 0% foreign currency markup
Rewards: 5X up to Rs 20K, 10X above Rs 20K eligible spends per cycle; reduced-rate categories excluded
Lounge: 4 domestic + 4 international visits/quarter

View card details Apply for IDFC Mayura

02 / Visa Signature

Scapia

Federal Bank

Why it qualifies

Zero foreign-currency markup on international purchases

International transactions do not earn Scapia coins; network conversion and merchant-side currency conversion still apply.

Card highlights

Reward Rate: 2% value on eligible Federal Visa spends; exclusions apply
Airport Perks: Choose lounge OR eligible airport dining/shopping/spa reimbursement per visit
Travel Bookings: 4% on flight, hotel, train and bus bookings

View card details Apply for Scapia

03 / Visa Signature

Axis Atlas

Axis Bank

Why it qualifies

5 EDGE Miles per Rs 100 on eligible direct international hotel spends

Accelerated travel spend is capped at Rs 2 lakh monthly. Forex markup and GST reduce the return, partner-point values vary, and travel-agent bookings earn only the base rate.

Card highlights

Travel: 5 EDGE Miles per Rs 100 on eligible travel spends
Base: 2 EDGE Miles per Rs 100 on eligible regular spends
Transfers: 27 programmes: mostly 1:2; selected partners 2:1 or 1:1

View card details Check availability for Axis Atlas

04 / Visa Infinite

HDFC Infinia

HDFC Bank

Why it qualifies

About 3.3% travel value on eligible overseas spend with 2% forex markup

GST and HDFC reward exclusions apply.

Card highlights

SmartBuy: SmartBuy accelerators; bonus cap 15K RP/month, live rates apply
SmartBuy cap: Up to 15,000 bonus RP per month
Lounge: Unlimited domestic + international access

View card details View eligibility for HDFC Infinia

05 / Diners Club

HDFC DCB Metal

HDFC Bank

HDFC Diners Club Black Metal Credit Card

Why it qualifies

About 3.3% travel value on eligible overseas spend with 2% forex markup

GST, exclusions and Diners Club acceptance apply.

Card highlights

Base: 5 RP per Rs 150, about 3.3% travel value
SmartBuy: SmartBuy accelerators; bonus cap 10K/month and 10K/day
Milestone: 10,000 RP at Rs 4L calendar-quarter spends

View card details Apply for HDFC DCB Metal

06 / Mastercard World Elite

ICICI Emeralde Private

ICICI Bank

Why it qualifies

About 3% reward value on eligible overseas spend with 2% forex markup

GST, ICICI caps and merchant coding apply.

Card highlights

Base: 6 RP per Rs 200, about 3% reward value
iShop: 6X flights/vouchers, 12X hotels; bonus cap 18K/month, 10K/day
Welcome: 12,500 RP after joining-fee payment + Taj Epicure Plus

View card details View eligibility for ICICI Emeralde Private

07 / Visa Infinite

IndusInd Avios

IndusInd Bank

Why it qualifies

6 Avios per Rs 200 in the selected preferred international destination

Destination selection and eligible POS rules apply.

Card highlights

Welcome: 20,000 bonus Avios on joining fee payment
Travel: 6 Avios/Rs 200 at preferred destination POS
Airlines: 5 Avios/Rs 200 on Qatar or British Airways

View card details Apply for IndusInd Avios

08 / Visa Signature

BOB Eterna

Bank of Baroda

Why it qualifies

15 RP per Rs 100 on eligible international spend

Accelerated points share the statement-cycle cap.

Card highlights

Value: 3.75% statement-credit value on eligible accelerated spends, subject to caps
Offer: Zero joining and first-year fee from 1 September 2026
Forex: 15 RP per Rs 100 on eligible international spends; forex markup and GST reduce net value

View card details Apply for BOB Eterna

09 / Visa Infinite

Times Black

ICICI Bank

Why it qualifies

About 2.5% reward value on eligible international spend

A 1.49% forex markup plus GST still applies.

Card highlights

iShop: 6X flights/vouchers, 12X hotels; bonus cap 15K/month, 8K/day
Milestones: Klook, WeWork/transfers, Tata CLiQ and Ayatana/Lohono choices
Lounge: Unlimited domestic + international access

View card details Apply for Times Black

These matches use published earn rules and exclude known zero-earn categories. Merchant category codes, caps, payment routes and issuer changes still control the final reward. Each card detail page includes its current exclusion list and official source.

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