Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹100,000 Monthly International Travel & Forex Spends Spend
Top-rated credit cards for ₹100,000/mo spent on International Travel & Forex Spends. #1 HDFC Infinia Metal Edition yields ₹52,849 net annual value (4.4% ROI). Compare full 10-card leaderboard.
🥈 Rank #2 Silver4.4% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹52,849
Full 10-Card Ranked Standings (@ ₹1,00,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹52,849 | Waived (₹0) | +₹52,849 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹52,849 | Waived (₹0) | +₹52,849 | Apply → |
| #3 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹46,716 | Waived (₹0) | +₹46,716 | Apply → |
| #4 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹44,544 | ₹5,900 | +₹38,644 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹27,432 | Waived (₹0) | +₹27,432 | Apply → |
| #6 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹26,820 | Waived (₹0) | +₹26,820 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹26,304 | Waived (₹0) | +₹26,304 | Apply → |
| #8 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹25,680 | Waived (₹0) | +₹25,680 | Apply → |
| #9 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹25,272 | Waived (₹0) | +₹25,272 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹24,864 | Waived (₹0) | +₹24,864 | Apply → |
| #11 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹23,573 | Waived (₹0) | +₹23,573 | Apply → |
| #12 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹23,064 | Waived (₹0) | +₹23,064 | Apply → |
| #13 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹22,344 | Waived (₹0) | +₹22,344 | Apply → |
| #14 | SBI Cashback Credit CardSBI Card | 1% | ₹21,120 | Waived (₹0) | +₹21,120 | Apply → |
| #15 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹20,736 | Waived (₹0) | +₹20,736 | Apply → |
| #16 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹18,624 | Waived (₹0) | +₹18,624 | Apply → |
| #17 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹17,376 | Waived (₹0) | +₹17,376 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹17,220 | Waived (₹0) | +₹17,220 | Apply → |
| #19 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹29,030 | ₹14,750 | +₹14,280 | Apply → |
| #20 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,296 | Waived (₹0) | +₹13,296 | Apply → |
| #21 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹12,912 | Waived (₹0) | +₹12,912 | Apply → |
| #22 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹10,368 | Waived (₹0) | +₹10,368 | Apply → |
| #23 | OneCard Metal Credit CardFederal Bank | 1% | ₹10,147 | Waived (₹0) | +₹10,147 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹9,360 | Waived (₹0) | +₹9,360 | Apply → |
| #25 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹9,276 | Waived (₹0) | +₹9,276 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹8,868 | Waived (₹0) | +₹8,868 | Apply → |
| #27 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹7,944 | Waived (₹0) | +₹7,944 | Apply → |
| #28 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹7,910 | Waived (₹0) | +₹7,910 | Apply → |
| #29 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹7,464 | Waived (₹0) | +₹7,464 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹5,772 | Waived (₹0) | +₹5,772 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹100,000/month spent on International Travel & Forex Spends?▼
HDFC Infinia Metal Edition ranks #1, generating ₹52,849 gross rewards and ₹52,849 in net annual value (4.4% effective yield) after deducting annual fees.
How does the runner-up compare to the winner?▼
The #2 card is HDFC Diners Club Black Metal Edition delivering ₹52,849 net annual value. HDFC Infinia Metal Edition outperforms it by ₹0/year.
Which credit cards should I avoid for International Travel & Forex Spends?▼
All 10 seed cards earn at least base rewards on this category.
Will the annual fee of the winning card be waived?▼
For HDFC Infinia Metal Edition at ₹1,200,000 annual spend, the fee is waived (₹0 effective fee).