International Credit Cards: Pay With Confidence, No Matter Where You Are

Apply for International Credit Cards

*Fees & charges are subject to change.

Eligibility Criteria 

• Age: Minimum 21 & maximum 65
  
• Employment status: Either self-employed or salaried
  
• Nationality: Indian national
  
  

You can check with the bank for the minimum income requirement for each Credit Card variant. Note that the Infinia METAL Edition Credit Card can only be availed by invitation.

Features & Benefits of International Credit Cards 

• Discounts: Airline Credit Cards can be used to avail excellent deals on travel and other spends.
  
  
• Reward points: Purchases made on airline Credit Cards earn reward points, which can then be used to avail benefits. Usually, the more you spend, the more reward points you earn.
  
  
• Welcome benefits: Airline cards provide you with welcome benefits in the form of exclusive club memberships or flat discount on the partner airline’s products.
  
  
• Interest-free period: HDFC Bank offers an interest free period of up to 50 days.

Documents Required to Apply for International Credit Cards 

The following documents are generally required to apply for a Credit Card:

• Identity & address proof: Aadhaar, PAN, voter ID, valid passport, driver’s license
  
  
• Income proof: Salary slip, bank statements, income tax return 
  
  

You can check the exact requirements for each card on the bank’s website.
  

Things to Keep in Mind When You Choose an International Credit Card

• Benefits and rewards: Choose an international Credit Card that offers benefits and rewards aligning with your interest. Choosing the right Credit Card allows you to enjoy premium benefits and earn reward points on your spends. Analyse different options against your requirements before finalising a card.
  
  
• Fees and charges: Joining fee, card renewal fee, and forex markup fee are some common charges that may be applicable on an international Credit Card.
  
  
• Interest: Interest will be applicable on the outstanding balance, i.e., balance from not paying the entire bill amount. Interest is also applicable on cash withdrawals.
  
  
• Welcome benefits: Exclusive club memberships, vouchers, discounts, etc., are usually provided to customers as joining benefits. Evaluate the welcome benefits of different cards along with other factors to make an informed decision. 

FAQs 

What are international Credit Cards?

International Credit Cards are simply Credit Cards that allow you to transact internationally, both online and offline. You can enjoy rewards and offers on your spends and redeem them for brand vouchers and maximise your savings.

How can I apply for an international Credit Card?

You can select the best Credit Card for international transactions for yourself from the issuing bank’s website and apply for it online or visit the nearest branch to enquire about the application process.

Are international cards worth getting?

If you travel abroad frequently or plan on relocating to other countries, you should consider getting international cards to enjoy easy transactions with added benefits.

Which Credit Card is internationally accepted?

​​​​​​​Card networks, such as Visa, Mastercard, American Express and Diners Club, partner with different merchants worldwide. Credit cards from such networks are easily accepted internationally. The National Payment Corporation of India (NPCI’s) RuPay Cards is also accepted global.  

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