Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Best Credit Cards for ₹75,000 Monthly International Travel & Forex Spends Spend
Top-rated credit cards for ₹75,000/mo spent on International Travel & Forex Spends. #1 HDFC Diners Club Black Metal Edition yields ₹39,637 net annual value (4.4% ROI). Compare full 10-card leaderboard.
🥇 Rank #1 Gold4.4% ROI
HDFC Diners Club Black Metal Edition
HDFC Bank
Net Annual Value+₹39,637
Full 10-Card Ranked Standings (@ ₹75,000/mo)
| Rank | Credit Card | Rate in Category | Gross Rewards | Effective Fee | Net Annual Benefit | Action |
|---|---|---|---|---|---|---|
| #1 | HDFC Diners Club Black Metal EditionHDFC Bank | 3.33% | ₹39,637 | Waived (₹0) | +₹39,637 | Apply → |
| #2 | YES BANK Marquee Credit CardYES BANK | 4.5% | ₹35,037 | ₹5,899 | +₹29,138 | Apply → |
| #3 | Axis Bank Atlas Credit CardAxis Bank | 4% | ₹33,408 | ₹5,900 | +₹27,508 | Apply → |
| #4 | HDFC Infinia Metal EditionHDFC Bank | 3.33% | ₹39,637 | ₹14,750 | +₹24,887 | Apply → |
| #5 | American Express Membership Rewards Credit CardAmerican Express | 2% | ₹20,574 | Waived (₹0) | +₹20,574 | Apply → |
| #6 | Myntra Kotak Credit CardKotak Mahindra Bank | 1.25% | ₹20,115 | Waived (₹0) | +₹20,115 | Apply → |
| #7 | Tata Neu Infinity HDFC Credit CardHDFC Bank | 1.5% | ₹19,728 | Waived (₹0) | +₹19,728 | Apply → |
| #8 | HSBC Live+ Credit CardHSBC India | 1.5% | ₹19,260 | Waived (₹0) | +₹19,260 | Apply → |
| #9 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | 2.5% | ₹18,954 | Waived (₹0) | +₹18,954 | Apply → |
| #10 | Swiggy HDFC Bank Credit CardHDFC Bank | 1% | ₹18,648 | Waived (₹0) | +₹18,648 | Apply → |
| #11 | Airtel Axis Bank Credit CardAxis Bank | 1% | ₹18,048 | Waived (₹0) | +₹18,048 | Apply → |
| #12 | HDFC Regalia Gold Credit CardHDFC Bank | 1.33% | ₹17,680 | Waived (₹0) | +₹17,680 | Apply → |
| #13 | IndusInd Bank Tiger Credit CardIndusInd Bank | 2.4% | ₹16,758 | Waived (₹0) | +₹16,758 | Apply → |
| #14 | HDFC Millennia Credit CardHDFC Bank | 1% | ₹16,452 | Waived (₹0) | +₹16,452 | Apply → |
| #15 | SBI Cashback Credit CardSBI Card | 1% | ₹15,840 | Waived (₹0) | +₹15,840 | Apply → |
| #16 | Flipkart Axis Bank Credit CardAxis Bank | 1% | ₹13,968 | Waived (₹0) | +₹13,968 | Apply → |
| #17 | Amazon Pay ICICI Bank Credit CardICICI Bank | 1% | ₹13,032 | Waived (₹0) | +₹13,032 | Apply → |
| #18 | Standard Chartered Smart Credit CardStandard Chartered Bank | 2% | ₹12,972 | Waived (₹0) | +₹12,972 | Apply → |
| #19 | Ixigo AU Credit CardAU Small Finance Bank | 1.25% | ₹12,915 | Waived (₹0) | +₹12,915 | Apply → |
| #20 | Kiwi RuPay Credit Card with NeonAxis Bank | 1% | ₹9,684 | Waived (₹0) | +₹9,684 | Apply → |
| #21 | IDFC FIRST Select Credit CardIDFC FIRST Bank | 1% | ₹7,776 | Waived (₹0) | +₹7,776 | Apply → |
| #22 | OneCard Metal Credit CardFederal Bank | 1% | ₹7,610 | Waived (₹0) | +₹7,610 | Apply → |
| #23 | Axis Bank Magnus Credit CardAxis Bank | 2.4% | ₹21,773 | ₹14,750 | +₹7,023 | Apply → |
| #24 | IndianOil RBL Bank Xtra Credit CardRBL Bank | 0.5% | ₹7,020 | Waived (₹0) | +₹7,020 | Apply → |
| #25 | ICICI Bank Sapphiro Credit CardICICI Bank | 1% | ₹6,957 | Waived (₹0) | +₹6,957 | Apply → |
| #26 | IndusInd Bank Legend Credit CardIndusInd Bank | 0.75% | ₹6,651 | Waived (₹0) | +₹6,651 | Apply → |
| #27 | BPCL SBI Card OCTANESBI Card | 0.25% | ₹5,958 | Waived (₹0) | +₹5,958 | Apply → |
| #28 | Jupiter Edge CSB Bank RuPay Credit CardCSB Bank | 0.4% | ₹5,933 | Waived (₹0) | +₹5,933 | Apply → |
| #29 | SBI SimplyCLICK Credit CardSBI Card | 0.25% | ₹5,598 | Waived (₹0) | +₹5,598 | Apply → |
| #30 | ICICI Bank Coral RuPay Credit CardICICI Bank | 0.5% | ₹4,329 | Waived (₹0) | +₹4,329 | Apply → |
Frequently Asked Questions
Which credit card ranks #1 for ₹75,000/month spent on International Travel & Forex Spends?▼
HDFC Diners Club Black Metal Edition ranks #1, generating ₹39,637 gross rewards and ₹39,637 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 YES BANK Marquee Credit Card delivering ₹29,138 net annual value. HDFC Diners Club Black Metal Edition outperforms it by ₹10,499/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 Diners Club Black Metal Edition at ₹900,000 annual spend, the fee is waived (₹0 effective fee).