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Best NRI Credit Cards in India 2022

List of Best Credit Card in India for NRI

Credit CardBest ForAnnual Fee (INR)Best Features
HDFC Regalia Credit CardReward/ International Airport Lounge250010,000 Reward Points on Rs. 5 lakhs spends, 12 Complimentary Domestic Lounge Access, Bonus 10,000 Reward in the anniversary year.
HDFC Diners Club Black Credit CardDining/ Airport lounge10,00010X Reward Points via SmartBuy, 2X on weekend dining, Unlimited Airport lounge access
Citibank PremierMiles Credit CardTravel/ Cashback3000Welcome gift of 10,000 Miles, ₹ 3000 cash back on spends of ₹ 5000, 20% savings across participating restaurants
SBI ELITE Credit CardLifestyle/ Reward/ Airport lounge49995X Reward Points on Dining, Departmental stores and Grocery, 6 complimentary Airport Lounge, Club Vistara Silver membership
Kotak NRI Royale Signature Credit CardReward/ International spend10002X rewards on spends outside India, Airport Lounges in India and enjoy benefits- gourmet meal, comfortable seating, widescreen TVs, and more
ICICI NRI Coral Credit CardDining/ Airport Lounge50015% discount on dining bill, 2 complimentary airport lounge, 25% discount upto Rs.100 on purchase of minimum 2 movie tickets

6. ICICI Bank NRI Coral Credit Card

ICICI NRI Coral Credit Card

Joining fees ₹1000 and Annual fees- ₹500

Apply Now

Dining Offers

  • 15% discount on dining bill at about 2,500 restaurants in India

Lounge Access

  • 2 complimentary airport lounge visits per quarter

Fuel surcharge waived

  • 1% fuel surcharge waived up to Rs. 4,000 at HPCL pumps

Movie Offer

  • Avail 25% discount upto Rs.100 on purchase of minimum 2 movie tickets per transaction on BookMyShow
  • Customer must be over 21 years but less than 65 years
  • Must have a stable job with good income
  • Salaried or self-employed both are eligible
  • The applicant must possess the NRE or NRO account with the ICICI bank
  • Joining fee- Rs. 1000
  • Annual fee- Rs. 500

5. Kotak NRI Royale Signature Credit Card

Kotak NRI Royale Signature Credit Card

No Joining fees, and Annual fees- ₹1000

Apply Now

Reward Points

  • 2X rewards on spends outside India, for every Rs. 200/- spent
  • Earn 1 reward point for every Rs. 200/- spent within India
  • (1 Reward Point = Re 1)


Purchase and pay in INR

  • While traveling to India, save the mark-up fee charged on your credit card issued outside India or the hassles of currency exchange
  • Enjoy the benefit of paying for your purchases, travel and dining in Indian Rupees


Fuel Surcharge Waiver

  • Applicable on transactions between Rs. 500 and Rs. 3000
  • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500


Railway Surcharge Waiver

  • Save railway surcharge waiver for transactions on www.irctc.co.in and for transactions on Indian Railways Booking Counters (maximum railway surcharge waiver allowed in a calendar year is Rs. 500)

NRI Royale Shield

  • In case your Credit Card is lost, you get a cover of Rs. 2,50,000 against fraudulent usage up to 7 days pre-reporting

Lounge Access

  • Complimentary access to Airport Lounges in India and enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
  • You must be age between 18 to 75 years
  • Minimum FD Amount - Rs. 1 lakh
  • Credit limit offered can be as high as 80% of your Fixed Deposit(FD) amount
  • Only Individual FDs are allowed
  • Should be an NRI having an Indian residential address
  • No Joining Fees
  • Annual Fees Rs. 1000

4. SBI ELITE Credit Card

SBI ELITE Credit Card
SBI ELITE Credit Card

Joining and Annual fees- ₹4999

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Reward

  • 5X Reward Points on Dining, Departmental stores and Grocery Spends
  • 2 Reward Points per Rs. 100 on all other spends
  • 2 Reward Points on every Rs.100 spent on International transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 500 to Rs. 4,000

Welcome Gift

  • Rs. 5,000 worth welcome gift vouchers

Lounge Access

  • 2 complimentary Domestic Airport Lounge visits every quarter in India
  • 6 complimentary Airport Lounge visits per calendar year, outside India

Milestone Privileges

  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
  • Free Movie Tickets worth Rs. 6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay

Club Vistara Membership

  • Complimentary Club Vistara Silver membership
  • Get 1 complimentary Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Forex Markup

  • Lowest Foreign Currency Mark-up Charge of 1.99% on International usage
  • 2 Reward Points on every Rs.100 spent on International transactions
  • You should be between the age of 18 to 70
  • Salaried or self-employed both are eligible
  • Minimum Income Rs. 60,000 per month
  • Joining Fee Rs. 4,999
  • Renewal Fee Rs. 4,999 (from second year onwards)
  • Renewal Fees Reversal, spends Rs. 10 Lakhs in the year

3. Citibank PremierMiles Credit Card

Citibank PremierMile
Citibank PremierMiles Credit Card

Joining & Annual fees- ₹3000

Apply Now

Earn Cashback

  • Get ₹ 3000 cash back on spends of ₹ 5000 in 60 days of card issuance

Welcome Gift

  • Welcome gift of 10,000 Miles
  • Earn 10,000 Miles on a spend of Rs.1,000 or more, within 60 days of card issuance

Lounge Access

  • Complimentary access to select airport lounges across India

Dining Privileges

  • Up to 20% savings across participating restaurants

Airline Privilege

  • 10 Miles / Rs.100 on airline transactions
  • 4 Miles / Rs.100 on all other spends
  • Air Accident Insurance Cover of up to ₹1 crore

Extra Benefits

  • Lost Card Liability Cover of ₹10 Lakh
  • You should be age of 18
  • Only Salaried person are eligible
  • Minimum Income Rs. 25,000 per month
  • Joining and Renewal Fee Rs. 3000

2. HDFC Bank Diners Club Black Credit Card

HDFC Bank Diners Club Black Credit Card
HDFC Diners Club Black Credit Card

Joining and Annual fees- ₹1000

Apply Now

Reward points

    • 5 Reward Points for every Rs 150 spent
    • Up to 10X Reward Points via SmartBuy

Welcome Benefit

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime by spending 1.5 lakhs within the first 90 days or upon first year

Dining Benefit

    • 2X on weekend dining

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India

Lounge Access

    • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members

Milestone Benefit

    • 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 1.99% on all your foreign currency spends

  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Zomato Pro, MMT BLACK and Times Prime

  • Complimentary Ola cabs, cult.fit Live, BookMyShow, TataCliQ vouchers on spends of over Rs. 80,000 every month

Insurance/ protection cover

  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalisation: Rs. 50 Lacs
  • Travel Insurance Cover of up to INR 55,000 on baggage delay
  • Credit Liability Cover of up to ₹9 Lakh
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income ₹1.75 Lakhs per month
  • Self-employed gross Income ₹21 Lakhs per annum
  • Joining & Renewal Fees – ₹10,000
  • Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for next renewal year

1. HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card
HDFC Regalia Credit Card

Joining and Annual fees- ₹2500

Apply Now

Reward points

    • 10,000 Reward Points on Rs. 5 lakhs spends
    • 5,000 Reward Points on Rs. 8 lakhs spends in an anniversary year
    • 4 Reward Points on every Rs.150 spent

Dining Benefit

    • Assured flat 25% off at 2000+ premium restaurants
    • 1+1 on buffet at 200+ restaurants
    • Additional 5% off and Zero convenience fee

Fuel Surcharge Waiver

    • 1% fuel surcharge waiver at all fuel stations across India (minimum trasaction of ₹400

Lounge Access

    • 12 Complimentary Domestic Lounge Access per calendar year
    • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access

Milestone Benefit

    • Earn Bonus 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
    • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs spends in the anniversary year

Extra Features

  • Reporting it immediately with in 24-hour HDFC call centre, you have zero liability on any fraudulent transaction
  • 2% on all your foreign currency spends

Insurance/ protection cover

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: up to Rs. 15 lakhs​​​​​​​
  • Lost Card Liability Cover : Upto Rs 9 lakhs
  • You should be between the age of 21 to 60 years Salaried Person
  • You should be between the age of 21 to 65 years self-employed Person
  • Salaried or self-employed both are eligible
  • Salaried person gross Income above ₹1 Lakhs per month
  • Self-employed gross Income ₹12 Lakhs per annum
  • Joining & Renewal Fees – ₹2500+ Taxes

  • Renewal fee waived off if you spend more than 3L in the previous year

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