What's good
- 0% Forex Markup on all international transactions
- Dual setup: Visa for global travel, RuPay for 5% rewards on UPI/offline spends of ₹500+
- Book flights and hotels entirely with Scapia coins directly in the app
Watch out for
- Lounge access requires ₹20,000 combined spend in the previous month (doubled from ₹10,000 in February 2026)
- Scapia Coins cannot be converted to statement cash
- No rewards on utility bill payments (electricity, mobile, broadband, gas) and insurance premiums (effective February 2026)
Who should pick this card?
Best suited for someone focused on backpackers & globetrotters.
This sits in the Travel category — Earn air miles, hotel points, and get lounge access. Ideal for frequent flyers and business travellers.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
More Travel picks
IDFC FIRST WOW
Essential for international travel. It completely removes the standard 3.5% hidden bank markup and the 18% GST on that markup for all foreign currency transactions.
HDFC Diners Club Black
One of the most rewarding cards for booking flights and hotels, offering unlimited global lounge access and 10X rewards on select SmartBuy categories. Standard variant waives fee at ₹5L; Metal Edition at ₹8L.
Amex Platinum Reserve Credit Card
Amex India's mid-premium offering — sits between the entry-level Platinum Travel and the top-end Platinum Charge. Privileges across Taj, SeleQtions, and Vivanta hotels, plus complimentary domestic lounge access and Membership Rewards point earning.