Travel & lounge
For someone who spends ₹50,000 a month, ₹15,000 of it on travel, and ₹1 lakh a year abroad. Tap any card to see its maths.
The numbers
- SScapia Axisrewards ₹15,600 + forex ₹3,500 + lounge ₹4,000₹23,100a year
- AAxis Atlasrewards ₹17,400 − fee ₹5,000 + lounge ₹4,000₹16,400a year
- BHDFC Diners Club Black Metalrewards ₹19,980 − fee ₹10,000 + forex ₹1,500 + lounge ₹4,000₹15,480a year
- BHDFC Regalia Goldrewards ₹7,500 · fee waived + forex ₹1,500 + lounge ₹4,000₹13,000a year
- BHDFC Infinia MetalInvite only · rewards ₹19,980 − fee ₹12,500 + forex ₹1,500 + lounge ₹4,000₹12,980a year
- DIDFC FIRST Millenniarewards ₹4,350 + forex ₹3,500₹7,850a year
- DIDFC FIRST Wealthrewards ₹4,350 + forex ₹3,500₹7,850a year
- DBPCL SBI Card OCTANErewards ₹4,200 · fee waived + lounge ₹2,000₹6,200a year
- DSBI Card ELITErewards ₹5,400 − fee ₹4,999 + forex ₹1,510 + lounge ₹4,000₹5,911a year
Not ranked: Amex Platinum Travel (New applications paused), Axis Magnus (Points convert to airline miles, so the ₹ value varies), ICICI Sapphiro (ICICI doesn't state a ₹ value per point).
How we rankThe same formula for every card
Each list imagines one kind of spender. For every card we add up, in ₹ a year:
rewards on that spending, using the same rates and caps as Find my card
− the annual fee, unless that spending waives it
+ forex saved compared with a 3.5% markup, on the list's foreign spending
+ lounge visits unlocked at that spending, at ₹500 each, up to the list's limit
Tiers compare each score with the best card in the list: S is 85% or more of the top score, A 70%, B 55%, C 40%, D below that.
Cards are left out when new applications are paused, when the card is being replaced, or when the bank gives no ₹ value for its points. Welcome gifts and milestone bonuses are not counted. Fees exclude GST.
A new edition comes out every month, so a card moves when its bank changes the rules. ▲ ▼ show moves since last month.