Best NRI Credit Cards You Can Apply for Today: Travel, Cashback & More

As an NRI, finding the right credit card that suits your unique needs and lifestyle can be a game-changer. With a plethora of options available, it’s essential to compare the benefits, features, and interest rates to make an informed decision. In this article, we’ll explore the top credit cards for NRIs, helping you unlock a world of convenience, rewards, and exclusive privileges.

1. HDFC Visa Regalia or Infinia Credit Cards

When it comes to the best credit cards for NRIs, the HDFC Visa Regalia and Infinia Credit Cards stand out. With an annual fee and renewal fee, these cards offer a competitive interest rate of 3.6% and a markup rate of 2%. What sets them apart are the top-notch credit card benefits for NRIs, including access to premium lounges, reward points on transactions, and exclusive memberships.

Imagine this scenario: You’re a frequent flyer who values luxury travel experiences. With the HDFC Visa Regalia or Infinia Credit Card, you can enjoy complimentary lounge access at airports worldwide, making your layovers more comfortable and enjoyable. Additionally, you can earn reward points on every transaction, which can be redeemed for exciting perks like flight tickets, hotel stays, or shopping vouchers.

2. Axis Bank Neo Credit Card

The Axis Bank Neo Credit Card is an excellent choice for NRIs who frequently use online services like Zomato and Grofers. With an annual fee and joining fee, this card offers an interest rate of 3.4% and a markup rate of 3.5%. The key credit card benefits for NRIs include discounts on Zomato and Grofers, cashback on Paytm transactions, and cashback on utility payments.

Let’s say you’re an NRI who loves to order food online or shop for groceries through Grofers. By using the Axis Bank Neo Credit Card, you can enjoy substantial discounts on these platforms, saving money on your everyday expenses. Moreover, you can earn cashback on Paytm transactions and utility payments, further maximising your savings.

3. SBI Elite Credit Card

For NRIs who prioritise luxury travel services, the SBI Elite Credit Card is an ideal choice. With an annual fee and renewal fee, this card offers a competitive interest rate of 3.5% and a markup rate of 1.99%. The standout features of this NRI credit card include global acceptance and exclusive concierge services.

Picture this: You’re planning a luxurious international trip and want to ensure a seamless experience. With the SBI Elite Credit Card, you can enjoy global acceptance, allowing you to make purchases in multiple currencies without any hassle. Additionally, the exclusive concierge services can assist you with travel arrangements, restaurant reservations, and more, elevating your travel experience to new heights.

4. ICICI Coral and Sapphiro Credit Cards

The ICICI Coral and Sapphiro Credit Cards cater to NRIs who appreciate exclusive entertainment benefits and golf experiences. With a joining fee and annual fee, these NRI credit cards offer an interest rate of 3.4% and a markup rate of 3.5%. The top credit card benefits for NRIs include discounts on lounges, movie tickets, and golf green fees.

Imagine you’re an NRI who enjoys spending weekends on the golf course or catching the latest blockbuster movies. With the ICICI Coral and Sapphiro Credit Cards, you can avail discounts on golf green fees, movie tickets, and lounge access, making your leisure time more rewarding and affordable.

5. Kotak NRI Royale Signature Credit Card

The Kotak NRI Royale Signature Credit Card is designed for frequent international travellers seeking rewards. With an annual fee, this card offers an interest rate of 3.10% and a markup rate of 3.5%. The key credit card benefits for NRIs include 2x rewards on international transactions, fuel discounts, and railway discounts.

Let’s say you’re an NRI who frequently travels abroad for business or leisure. By using the Kotak NRI Royale Signature Credit Card, you can earn double rewards on all your international transactions, accelerating your reward points accumulation. Additionally, you can enjoy fuel and railway discounts, making your domestic travel more cost-effective.

6. Standard Chartered Priority Visa Infinite and Manhattan Credit Cards

For NRIs who frequently shop at supermarkets and value lounge access, the Standard Chartered Priority Visa Infinite and Manhattan Credit Cards are excellent choices. With an annual fee, these cards offer an interest rate of 3.75% and a markup rate of 3.5%. The top credit card benefits for NRIs include cashback at supermarkets and Priority Pass membership.

Imagine you’re an NRI who loves to explore local supermarkets and indulge in gourmet experiences. With the Standard Chartered Priority Visa Infinite and Manhattan Credit Cards, you can earn cashback on your supermarket purchases, saving money on your grocery bills. Moreover, the Priority Pass membership grants you access to over 1,300 airport lounges worldwide, ensuring a comfortable and relaxing travel experience.

Summing Up

When choosing the best credit cards for NRIs, it’s crucial to consider factors like your spending habits, lifestyle preferences, and desired perks. Take the time to compare interest rates, annual fees, and reward structures across these NRI credit cards to find the one that fits your financial goals.

Remember, having a good credit score is essential when applying for the top credit cards for NRIs. By maintaining a healthy credit score, you can increase your chances of approval and unlock access to premium credit card offerings.

At Airtel Finance, we understand the unique needs of NRIs and offer a range of credit card options tailored to your requirements. Whether you’re looking for rewards, travel benefits, or exclusive privileges, our dedicated team is here to assist you in finding the perfect credit card that complements your lifestyle.

Take the first step towards enjoying the benefits of an NRI credit card by downloading the Airtel Thanks App and exploring our credit card offerings. With Airtel Finance, you can embark on a rewarding journey filled with convenience, savings, and exclusive experiences.

FAQs

1. What are the eligibility criteria for NRI credit cards?
   To be eligible for an NRI credit card, you typically need to have a valid passport, visa, and proof of income. The specific requirements may vary depending on the issuing bank.
2. Can I apply for an NRI credit card online?
   Yes, most banks allow NRIs to apply for credit cards online. You can visit the bank’s website, fill out the application form, and submit the required documents electronically.
3. How can I maximise rewards on my NRI credit card?
   To maximise rewards, use your NRI credit card for all eligible purchases, especially in categories that offer higher reward rates. Keep track of any special promotions or bonus reward offers to accumulate points faster.
4. Are there any forex markup fees on NRI credit cards?
   Yes, most NRI credit cards charge a forex markup fee on international transactions. The markup rate typically ranges from 1.99% to 3.5%, depending on the card and issuing bank.
5. Can I redeem my credit card reward points for air miles?
   Many NRI credit cards allow you to convert your reward points into air miles with partnered airlines. Check with your issuing bank to understand the conversion rates and redemption process.