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SimplifyCards take: For your online travel shopping needs, the HSBC Premier Credit Card is our top recommendation, offering exceptional rewards and a very competitive forex markup that makes your international travel expenses more rewarding. You might also consider strong alternatives like the ICICI Bank Emeralde Private Metal Credit Card and the HDFC Bank Infinia Metal Edition Credit Card, both known for providing significant value back on premium travel experiences and bookings.
Optimized for premier and travel, featuring low 0.99% forex markup and unlimited airport lounge access.
Optimized for luxury and travel, featuring low 2% forex markup and unlimited airport lounge access.
Super-premium card offering 5X rewards (up to 33.3% value) on SmartBuy flight/hotel bookings, unlimited lounge access, and premium golf privileges.
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| Feature | HSBC Premier Credit Card | ICICI Bank Emeralde Private Metal Credit Card | HDFC Bank Infinia Metal Edition Credit Card |
|---|---|---|---|
| Best for | premier, travel, lounge | luxury, travel, lounge | premium travel, lounge, smartbuy |
| Reward rates | 6% - Base reward rate upto 72% - accelerated reward rate *considering using accor redemption | 3% - Base reward rate upto 36% - accelerated reward rate | 3.3% - Base reward rate upto 33.3% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 20,000 | Rs 12,499 | Rs 12,500 |
| Fee waiver spend | - | Rs 10 lakhs | Rs 10 lakhs |
| Domestic lounge | Unlimited | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited | Unlimited |
| Forex markup | 0.99% | 2% | 2% |