Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹150,000 Monthly International Travel & Forex Spends Spend
Top-rated credit cards for ₹150,000/mo spent on International Travel & Forex Spends. #1 HDFC Infinia Metal Edition yields ₹79,274 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+₹79,274
Full 10-Card Ranked Standings (@ ₹1,50,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹79,274 | Waived (₹0) | +₹79,274 | Apply → |
| #2 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹79,274 | Waived (₹0) | +₹79,274 | Apply → |
| #3 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹70,074 | Waived (₹0) | +₹70,074 | Apply → |
| #4 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹66,816 | ₹5,900 | +₹60,916 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹41,148 | Waived (₹0) | +₹41,148 | Apply → |
| #6 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹40,230 | Waived (₹0) | +₹40,230 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹39,456 | Waived (₹0) | +₹39,456 | Apply → |
| #8 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹37,908 | Waived (₹0) | +₹37,908 | Apply → |
| #9 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹37,296 | Waived (₹0) | +₹37,296 | Apply → |
| #10 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹35,359 | Waived (₹0) | +₹35,359 | Apply → |
| #11 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹34,680 | Waived (₹0) | +₹34,680 | Apply → |
| #12 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹33,516 | Waived (₹0) | +₹33,516 | Apply → |
| #13 | SBI Cashback Credit CardSBI Card | 1% | ₹31,680 | Waived (₹0) | +₹31,680 | Apply → |
| #14 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹29,256 | Waived (₹0) | +₹29,256 | Apply → |
| #15 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹43,546 | ₹14,750 | +₹28,796 | Apply → |
| #16 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹27,936 | Waived (₹0) | +₹27,936 | Apply → |
| #17 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹26,064 | Waived (₹0) | +₹26,064 | Apply → |
| #18 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹25,830 | Waived (₹0) | +₹25,830 | Apply → |
| #19 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹25,104 | Waived (₹0) | +₹25,104 | Apply → |
| #20 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹19,368 | Waived (₹0) | +₹19,368 | Apply → |
| #21 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹15,552 | Waived (₹0) | +₹15,552 | Apply → |
| #22 | OneCard Metal Credit CardFederal Bank | 1% | ₹15,221 | Waived (₹0) | +₹15,221 | Apply → |
| #23 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹14,040 | Waived (₹0) | +₹14,040 | Apply → |
| #24 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹13,944 | Waived (₹0) | +₹13,944 | Apply → |
| #25 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹13,914 | Waived (₹0) | +₹13,914 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹13,302 | Waived (₹0) | +₹13,302 | Apply → |
| #27 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹11,916 | Waived (₹0) | +₹11,916 | Apply → |
| #28 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹11,866 | Waived (₹0) | +₹11,866 | Apply → |
| #29 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹11,196 | Waived (₹0) | +₹11,196 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹8,658 | Waived (₹0) | +₹8,658 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹150,000/month spent on International Travel & Forex Spends?▼
HDFC Infinia Metal Edition ranks #1, generating ₹79,274 gross rewards and ₹79,274 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 ₹79,274 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 ₹1,800,000 annual spend, the fee is waived (₹0 effective fee).