travel rewards credit card india

10 Best Travel Credit Cards in India in 2024

Posted by  Fintra , updated 2023-12-06

Most of us are travel lovers, be it a small trip to a nearby scenic spot or an international trip. However, what if you're told with just a small tool in your pocket can make each of your trips even more worthwhile and cost-effective! Travel credit cards are one such tool that provides accelerated rewards during travels along with various other perks such as complimentary domestic and/or international lounge access, air mile earnings, and co-partnered benefits with Airlines and Travel Partners. Some also offer rewards for booking hotel stays and travel insurance. In fact, at times the points collected on a travel card can later be used to redeem a complimentary ticket or purchase vouchers of your favourite brands.

Following are the top 10 Best Travel Credit Cards in India you must own in 2024:

Axis bank vistara credit card.

• Joining fee Rs. 1,500
• Welcome gift: A Complimentary Economy Class Ticket
• Air Accident Cover of up to Rs. 2.5 crore

The Axis Bank Vistara Credit Card is ideal for frequent fliers. The benefits include a complimentary economy class ticket, complimentary Club Vistara Membership, and CV points on every swipe. You can also acquire two economy class tickets when you achieve your spending milestones. 

Axis Bank Vistara Signature Credit Card  

• Joining fee Rs. 3,000
• Get 3 complimentary rounds of golf
• Explore curated experiences from across the world with Extraordinary weekends

Axis Bank Vistara Signature Credit Card will delight you with complimentary membership of the Vistara Silver Club. Other benefits include a complimentary premium economy ticket, annually. Customers can avail of Club Vistara points to achieve milestones while transacting and stand a chance to win three premium economy tickets with these milestones. 

Axis Bank Privilege Credit Card  

• Joining fee Rs. 1,500 (Nil joining fee for Priority Customers only)
• Welcome Benefits includes availing 12,500 EDGE REWARD Points that are redeemable against Paytm flight & hotel vouchers  
• 2 Complimentary access per calendar quarter to select domestic lounges

The Axis Bank Privilege Credit Card has the activation benefit of Paytm flight & hotel vouchers worth Rs 5,000 and 8 complimentary lounge access at selected domestic airports.  

American Express Platinum Travel Credit Card

• Joining fee Rs. 5,000 & Second Year onwards fee will be Rs. 10,000 
• This card is best suited for Travel Vouchers & Lounge Access
• Welcome Gift of 10,000 Bonus JPMiles will be made available only to Basic Cardmembers who pay the Annual Fee

Jet Airways American Express Platinum Credit Card holds great value, hence it continues to find a place in Traveler's primary wallets. Rewards and offers will surely allure you to get one now! 

Intermiles ICICI Bank Sapphiro Credit Card

• Joining fee Rs. 5,000
• Enjoy Complimentary Airport Lounge access, Golf rounds, movie tickets, discounts on dining, and more
• Get a 10% discount on Business Class tickets booked on Etihad Airways

This little friend of yours fulfils all the desires of those who love to travel. Offering travel privileges, shopping allowances, and airport lounge access, the InterMiles ICICI Bank Sapphiro Credit Card covers it all.  

To know more and apply for ICICI Credit Cards please click here

Citi PremierMiles Credit Card

• This credit card is suited well for Air Mile Earning
• EMI options on online travel booking and shopping, and at over 2,000 stores

All those who love to travel should opt for this credit card. It helps users win free miles and other exciting travel offers. Customers making a payment with this credit card can earn high reward points and win miles. 

SBI Card ELITE

• Joining fee Rs. 4,999
• Best suited for Lounge Access, Movies, and Dining
• W elcome e- Gift Voucher worth Rs. 5,000. Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop

SBI Card ELITE is specifically designed for high-end users. This card offers various benefits like gift vouchers and coupons that can be availed at leading outlets.  

Standard Chartered Emirates World Credit Card

• This credit card is best for those seeking Travel Rewards with Emirates, Lounge Access, and Golf Privileges
• C omplimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay

Get your card now and be welcomed with 4,000 bonus Miles. With just 27,500 Skywards Miles, get a return ticket to Dubai! 

SBI Air India Signature Credit Card

• This credit card has Travel Rewards along with Exclusive Benefits with the Indian Airline, Air India
• C omplimentary Visa Lounge Access Program in India at major domestic airports

This travel card ensures to offer a journey that's truly worth remembering- Welcome aboard on an expedition of rewarding experiences. It has been designed for travel passionates, be it for personal reasons or professional ones. A host of travelling features and benefits awaits you.

HDFC Diners Club Black

• Joining fee Rs. 10,000
• Welcome Benefits include complimentary annual memberships from partnered brands
• Spend Rs. 5 Lakhs in 12 Months and get Renewal Fee waived for the next renewal year

HDFC Diners Club Black is an elite international credit card that has various lifestyle benefits. It's for those who love to have a luxurious lifestyle and love travelling. 

Conclusion 

These credit cards are extremely suited for those who travel frequently for business or leisure. It can be confusing to decide which travel credit card best suits your needs when browsing through the various options available in the market. However, there are a few points to consider while choosing the perfect travel credit card.

One of the first points to consider is to recognize your spending habits. Some vital questions you can ponder on are:

• Do you require general benefits or a co-branded credit card?
• Is earning air miles vital to you?
• Which category do you spend on most?
• Will complimentary lounge access be beneficial for yourself?
• Is travel insurance along with other perks vital to you?

Based on your views on the above questions, shortlist the top travel credit cards and then proceed to get them.

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Best Travel Credit Card India in 2023

March 30, 2023

Unless you’re secretly Tony Stark, the cost of your next trip might make your eyes bulge. Travelling has the glory to its name but is hard work. Banks and other financial institutions provide travel credit cards to people looking forward to a business or a leisure trip. These cards offer various benefits, like discounts on hotel and flight bookings and rewards in the form of points or miles that can be used for travel-related purchases. The best travel rewards credit cards are lucrative but frequently incur annual fees and relatively high-interest rates.

Get vacation ready with this blog on the best travel credit card in India. Pack your bags; it’s gone time!

Top 10 Best Travel Credit Cards in India 2023

Sbi card elite.

SBI Card Elite is a premium all-purpose card that offers travel, shopping, and movie benefits. The card also comes with a free Silver membership to Club Vistara, which entitles you to flight upgrades and other perks from Vistara Airlines. You can get free international (via Priority Pass), and domestic (via Visa/Mastercard) lounge visits on the card. The card also provides hotel benefits, but only at Trident Hotels.

On dining, grocery, and department store purchases, the cardholder earns 5X reward points. Except for fuel, the card offers two reward points for every Rs. 100 spent on all other purchases. However, the reward value offered is quite low at 1 point = Rs. 0.25. The following makes it one of the best travel credit card India has witnessed.

Travel Benefits and Reward Programs

• One can redeem Yatra welcome voucher worth INR 5,000.
• A 1.99% forex markup fee is charged.
• Club Vistara Silver Membership includes one free upgrade voucher and 9 CV points for every INR 100 spent on Vistara flights.
• Complimentary Membership in Trident Privilege Red Tier with 1,000 welcome points upon registration
• Complimentary Priority Pass membership with six international lounge visits per year
• Every quarter, two complimentary domestic airport lounge visits are provided.

HDFC Bank Regalia

The HDFC Regalia credit card is one of the best in India. It is best suited for high-spending individuals and frequent travellers. If you travel frequently, Regalia will provide you with six international lounges per year and twelve domestic lounges per year. This card has a low foreign exchange markup fee of only 2% for frequent international travellers. The forex markup fee is typically 3.5% or higher, with only a few cards in the market charging a lower rate. One of them is HDFC Regalia. You also get generous bonus rewards when you reach certain spending thresholds.

This card has a default reward earning rate of 2.67%, which is excellent and difficult to find with other banks. However, the redemption rate is only 0.5%. So, if you spend INR 15,000, you will receive 400 reward points worth INR 200 when redeemed. If you are a frequent shopper and frequently travel throughout the year, this card is ideal for you.

Travel Benefits

• 12 complimentary visits to Indian lounges
• 6 free lounge visits outside of India
• Membership in Priority Pass for primary and secondary members
• A 2% forex markup fee is charged.
• Use Smartbuy reward points to book flights and hotels (1 point = Rs 0.50).
• Conversion of Airmiles via internet banking (1 point = 0.5 Airmile)

Air India SBI Signature

The SBI Air India Signature credit card is one of the best travel credit card in India, particularly for Air India fans. The basic reward earning rate is 4%, and all points are worth the same number of Air India Miles. If you spend INR 20 lakh in a year, you can earn up to 1 lakh reward points, equivalent to 1 lakh Air India Miles and used to get free flights multiple times. Another advantage of redeeming rewards points is that they are not limited to air mile conversion; you can use them to obtain services from the rewards catalogue.

• As a welcome bonus, you will receive 20,000 reward points.
• Earn up to 1 lakh reward points per year.
• Every Rs. 100 spent on Air India ticket booking earns you up to 30 reward points.
• Eight complimentary VISA lounge visits per year (max. 2 per quarter)
• Up to Rs. 1 lakh in liability coverage for lost cards
• 1% fuel surcharge exemption for transactions between INR 500 and INR 4,000

Yatra SBI Card

There are certain cards created in partnership with travel portals like Yatra.com, even though the majority of travel credit cards are focused on providing general travel rewards or co-branded airline advantages. Also, the card offers six reward points for every INR 100 spent at department stores, restaurants, movie theatres, and other entertainment venues. For the primary cardholder, complimentary air accident coverage up to INR 50 lakh is also provided, which is once again an unusual perk on a card at this pricing level.

• Vouchers for domestic and international travel, vacation, and hotel booking, totalling INR 8,250, are provided as welcome gifts on Yatra.
• 1,000 off domestic flight reservations with a minimum purchase of INR 5,000
• 4,000 off foreign flight reservations with a minimum purchase of INR 40,000
• 20% off domestic hotel bookings with a 3,000 rupee minimum transaction value
• When a ticket is purchased through Yatra.com and paid for using a Yatra SBI Card, the primary cardholder is entitled to complimentary air accident insurance of INR 50 lakh. Moreover, all gas stations remove the 1% fuel levy for transactions between INR 500 and INR 3,000.

HDFC Superia Card

The HDFC Bank Superia card is a premium credit card with many wonderful features and advantages in areas like eating, travel, petrol, and retail. Together with a welcome incentive, the card also offers reward points for each purchase you make. Use your HDFC Bank Superia credit card for dining and receive 50% more reward points. For minimum transactions of INR 400, the 1% fuel surcharge is eliminated on all fuel transactions.

Fuel transactions are only eligible for a maximum cashback of INR 500 every statement cycle.

The first year of membership is free if you spend INR 15,000 during the first 90 days of account setup. You must spend INR 75,000 in the first year to get your annual fee waived for the next year.

• Using the KrisFlyer – Singapore Airlines Frequent Flyer Program, you can exchange the reward points you have accrued on your credit card for airfare on more than 20 foreign airlines.
• The reward points can also be exchanged for AirMiles. Tickets from Air India can be purchased using these miles. The miles can also be used to purchase tickets on other well-known domestic carriers.

IRCTC SBI Card Premier

Many credit cards are available that are designed with air travellers in mind. Yet, very few credit cards offer advantages for purchasing train tickets and using train lounges. Using this credit card saves frequent rail travellers a tonne of money. On ordering air-conditioned tickets, IRCTC SBI Card Premier offers 10% value back as reward points on all purchases (AC1, AC2, AC3 and AC CC). Additionally, any plane ticket and e-catering purchases made through the IRCTC website or app will earn you 5% back. Also, you will receive a waiver of 1.8% for air ticket purchases made through the IRCTC website and a waiver of 1% for train ticket purchases.

• 1,500 Reward Points as welcome bonuses after paying the membership fee
• 1 Reward Point is 10% of 1 Rupee. Returning to AC1, AC2, AC3, and AC CC as IRCTC Reward Points
• For every INR 125 spent on dining and standing orders, you receive three reward points.
• 2,500 reward points are earned when you spend INR 50,000 on travel each year, and 5,000 reward points are earned when you spend INR 1 lakh on travel each year.
• 10 lakh rupees in free rail accident insurance
• Free INR 50 lakh in aviation accident insurance
• Eight entrances per year to specific lounges on trains

Axis Bank Vistara Signature

The Axis Bank Vistara Signature Credit Card is ideal for frequent travellers who prefer Vistara Airlines. It awards 2% Club Vistara Points, which can be redeemed for flight upgrades and free flights. The more you spend on the card, the more travel benefits you will receive, as the card’s milestone benefits are excellent. You can earn up to four premium economy tickets per year by meeting spending goals.

Long-distance flights earn more rewards than short-distance flights because the total payable amount on the former is greater. You can also get a Club Vistara Silver membership, travel insurance, and discounted golf access.

• As a welcome gift, you will receive one complimentary Premium Economy ticket.
• 4 Club Vistara Points for every Rs. 200 spent on the card Reward points can be redeemed for flight bookings and other upgrades.
• Bonus CV points and up to four complimentary Premium Economy tickets upon reaching certain spending thresholds
• Up to Rs. 2.5 crore in air accident insurance and Rs. 1 lakh in purchase protection insurance
• Up to 100% credit limit liability coverage for lost cards

InterMiles ICICI Bank Sapphiro Credit Card

In partnership with the InterMiles frequent flyer programme, ICICI Bank provides the InterMiles ICICI Bank Sapphiro Credit Card. It has two versions: one for American Express and one for Visa. In regards to the advantages they provide, the two types are only slightly different. You can use the InterMiles you earn on your InterMiles ICICI Bank Sapphiro Credit Card to make reservations for flights and hotels with partner airlines and hotel chains through the InterMiles website.

• Rewards Points can be converted into InterMiles and earned faster when booking hotels and flights through the InterMiles website.
• Free domestic spa visits and free (limited) access to domestic and international lounges are included with the free Dreamfolks membership.
• With a Dreamfolks membership, you receive two free annual visits to foreign airport lounges.
• If at least Rs. 5,000 was spent in the preceding calendar quarter, and AmEx and Visa customers would receive two complimentary domestic lounge visits each quarter.
• Both the Visa and American Express versions are eligible for these advantages.

Air India SBI Platinum Card

This is a credit card that all frequent travellers should consider getting the Air India SBI Platinum Card. For this card, the membership charge (which also serves as the first-year fee) is INR 1,499. From the second year, there is an annual fee of INR 1,499. If you have an unpaid amount, interest fees of up to 3.35% per month (or 40.2% annually) will be applied.

• You can sign up for the premium Flying Returns frequent flyer programme with the card for free.
• You can receive up to 15 reward points for every Rs. 100 you spend on airfare when you book through the Air India website.
• Also, it provides free access to lounges at domestic airports.
• When you pay the card’s annual renewal charge, you receive 2,000 reward points.

Citi PremierMiles Credit Card

The Citibank PremierMiles Credit Card is among the best travel credit card in India. This card comes with a rewards programme, and the rewards are AirMiles. Although you can use these Miles to make a variety of purchases, using them to book flights or hotels through partner airlines or hotel chains or Citibank’s PremierMiles portal offers the most value. Also, these Miles can be transferred to other hotel or airline loyalty schemes. You receive 10,000 Miles from Citibank at sign-up and 3000 Miles annually when your card membership is renewed.

For every INR 100 spent on flight reservations or the bank’s PremierMiles website, you receive 10 Miles. With every further transaction, you will receive 4 Miles. 32 domestic lounge visits per year with the Visa Signature variation and 24 domestic lounge visits per year with the MasterCard variant are additional travel perks. Nevertheless, this credit card does not give you access to overseas lounges.

• For the Visa Signature version, you are entitled to either six or eight domestic lounge visits for free each quarter (applicable for the Mastercard variant).
• As previously indicated, you can use your earned Miles to book flights on the official airline website or at the airline counter. Also, the Miles can be transferred to affiliated hotel and airline loyalty programmes.
• If you participate in an airline’s frequent flyer programme, you receive a double benefit: in addition to the ordinary AirMiles you earn as a member, you also receive PremierMiles.

Eligibility Criteria

Individuals seeking the best travel credit cards in India must meet the eligibility criteria set by various banks and financial institutions. The following is the list of the basic eligibility criteria an applicant must meet when applying for travel credit cards.

• Applicant should be a citizen of India
• Both salaried and self-employed individuals are eligible
• Applicants must maintain a good credit score. The ideal credit score for most banks and financial institutions is 650 or above.
• The applicant must fall in the age group of 21 years to 65 years
• The applicant must reside in the city of the source of the travel credit card.

It must be noted that the criteria differ from one credit card provider to another. It is best to check with the credit card provider before deciding.

Documents Required

The following documents are required to get the best travel rewards credit card. Customers must produce one document from each of the below-mentioned categories to avail of the required travel credit card.

Identity Proof

• Aadhaar card
• Driving licence
• Voter ID card

Address Proof

• Electricity bill
• Ration card
• Telephone bill
• Last two months’ bank statement

Income Proof

• Latest payslip
• Income tax (IT) return
• Tenth standard school certificate
• Birth certificate

It must be noted that a bank may ask for a few additional documents. It is advised to visit the bank’s website to ensure they have every document handy.

Frequently Asked Questions (FAQs)

How do travel credit cards differ from regular ones.

Travel credit cards have features and benefits primarily related to discounts, reward points, and cashback on travel expenses. These credit cards give you access to travel-related promotions. On the other hand, a credit card is a type of credit facility offered by banks that allow customers to borrow funds up to a pre-determined credit limit. It allows customers to make purchases of goods and services.

What are the benefits of using a travel credit card while booking flights and hotels?

Travel credit cards provide accelerated travel rewards as well as benefits such as complimentary lounge access,co-branded benefits, and air mile earning with airlines and travel partners. Cards are best suited for frequent business or leisure travelers.

Are any travel credit cards offering rewards or cashback on purchases?

Yes, there are credit cards that offer rewards or cashback on purchases. Read our blog above to learn about the best travel rewards credit cards.

Can travel credit cards be used to book travel internationally?

Many credit cards can be used to book domestic and international flights at a discounted rates. Additional discounts on hotel bookings may also be available.

Are any travel credit cards offering complimentary lounge access or travel insurance?

Yes, many travel credit cards offer complimentary lounge access or travel insurance. The number of complimentary visits to lounges might be restricted.

How can I compare and choose the best travel credit card for my needs?

It is important to compare different cards to choose the best travel credit card in India. A comparison can be drawn based on the fees, welcome rewards, airline or travel partner, type of travel and other benefits offered.

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The Best Credit Cards For a Trip To India

Few years ago, I was extremely excited to take my first trip to India, a country that I’ve always been fascinated by.

Unfortunately, India is one of the furthest countries from the United States, and it’s always going to be more expensive to fly there than to most other destinations.

But once you arrive in India, you’ll find it to be one of the most affordable places you can go.

For example, it’s generally pretty easy to find a car, a driver, and a tour guide for about $100 a day in India’s capital of New Delhi.

And fortunately, you can earn points and miles from your credit card that you can use for flights to India and even hotels .

Finding the Right Credit Card for a Trip to India

Most of the time, it makes sense to earn points in a credit card rewards program that allows transfers to miles with multiple airlines.

Here are the top travel rewards credit cards that you can use for your trip to India :

Chase Sapphire Preferred

The is a premium rewards card that usually offers an attractive welcome bonus. Additionally, the rewards program is suitable for those who travel and dine out regularly.

Points are earned in the Chase Ultimate Rewards program, which allows you to transfer points to miles with different airline partners and hotel programs .

For example, you can transfer your points to United, which offers round-trip awards to India for 85,000 miles in economy and 140,000 - 160,000 miles in business, depending on if the intercontinental flight is operated by United.

United is part of the Star Alliance , which means that you can redeem your miles for flights from other carriers like Lufthansa, Turkish, and Air Canada.

And since Air India is also a member of the Star Alliance, you can add on flights to smaller cities in India, not just New Delhi or Mumbai.

You could also transfer the points to the Flying Blue program , which is the one for Air France and KLM .

Flying Blue also partners with Delta, and offers round-trip economy awards to India for 80,000 miles .

However, their business class awards are a more unreasonable 200,000 miles round-trip. This card has a $95 annual fee .

Read Chase Sapphire Preferred Card Editor's Review

Citi / AAdvantage ® Platinum Select ® World Elite MasterCard ®

This card offers new applicants a very generous welcome bonus.

You earn double miles on all American Airlines flights and one mile per dollar spent elsewhere.

Other benefits include a free checked bag, priority boarding, and discounts on in-flight food and beverages .

Award flights from the 48 contiguous states to India on American Airlines are 80,000 miles round-trip in economy class and 140,000 miles round-trip in business class.

American is partnered with several different carriers that serve India and are part of the OneWorld Alliance including British Airways, Cathay Pacific, Japan Airlines, Qatar, and Sri Lankan.

In addition, it also partners with Jet Airways, and Indian carrier that serves India from Toronto via Amsterdam.

This card has a $99 annual fee that’s waived the first year, and no foreign transaction fees .

Read Citi / AAdvantage Platinum Select World Elite MasterCard Editor's Review

Amex EveryDay Preferred Credit Card

This card offer a great way to earn Membership Rewards points , which can be transferred to miles with 17 different airlines.

But what’s exceptional about this card is that It features 3x points at U.S. supermarkets (on up to $6,000 spent each calendar year), 2x points at US gas stations, and 1x elsewhere .

In addition, you also get a 50% points bonus each billing period that you make 30 or more transactions, which allows you earn 4.5x, 3x and 1.5x respectively.

One way to use these points for an award flight to India is to transfer them to ANA, which requires the least amount of points for this trip.

As a Star Alliance member, you can redeem ANA points for flights operated by Air India and numerous other carriers.

Another Membership Rewards transfer partner is Air France/KLM’s Flying Blue program.

There’s a $95 annual fee for this card, but it does have a 2.7% foreign transaction fees .

Alaska Airlines Visa Signature card from Bank of America

This card also offers a generous welcome bonus. It also offers 3x miles for all Alaska Airlines purchases, and 1 mile per dollar spent elsewhere.

But I’m sure that you’re wondering if Alaska Airlines even flies to India, right?

They don’t, but you can redeem your miles to fly there with several of their partners . Round-trip award flights to India on Air France or KLM are 80,000 miles in economy or 140,000 miles in business class.

Another option is Cathay Pacific flights, which require a steep 100,000 miles in economy but are a bargain at 125,000 miles for business class.

Finally, you could consider Emirates, which would be 85,000 in economy or 165,000 miles in business class. There’s a $75 annual fee for this card, and no foreign transaction fees .

What Credit Cards to Use in India

Once you reach India, you will still want to have the right credit card for your purchases.

Nearly all merchants in India that accept credit cards accept Visa and MasterCard, and most accept American Express. The Discover card is gaining acceptance, and can be used anywhere you see the Diner’s Club International logo.

Like any trip outside of the United States, you’ll want to use a credit card that has no foreign transaction fees.

The only card mentioned here that has foreign transaction fees is the American Express Everyday Preferred, which imposes a 2.7% fee on all charges processed outside of the United States.

If you are renting a car, be very careful which card you use, as many, such as American Express cards exclude India from their coverage.

Thankfully, Chase and Citi offer worldwide coverage including India, but you should still ask for a coverage letter that you can show to the rental car company, so it won’t force you to buy additional coverage.

Nevertheless, India is still very much a traditional society, and you will still find many vendors that don’t accept credit cards or those who simply prefer cash.

You should never use your credit card to access cash from an ATM , as it will likely be subject to large cash advance fees , and a very high cash advance interest rate . In addition, interest will alway be incurred on cash advances. Unlike new purchases, there is no grace period for these transactions.

Instead, you should take always have an ATM card with you to access cash.

An ATM card that works in the United States will work at nearly any ATM machine in India.

You can also bring US Dollars with you for exchange , but you are unlikely to receive as good of an exchange rate as you would with your debit card or credit card.

Bottom line

With a population of over four times the United States, India is an amazingly diverse and exciting destination.

Despite the great distances involved, visiting India is well worth the trip.

By using the right credit cards to earn travel rewards, you can visit India sooner than you may have thought, and for a lot less money.

More:  MyBankTracker's Best Travel Credit Cards

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The Must-Have Travel Credit Cards In India For Avid Wanderers

Travel a lot these are some of the best credit cards for travel that offer superb rewards on lounges, hotel bookings and more..

By: Anushka Goel Published: Oct 10, 2023 01:00 PM IST

Do you have a penchant for travel? If so, you’re likely always in pursuit of the finest deals. What if we told you that your trusty credit card could help you get the most out of your bucks through travel rewards, not just within India but also abroad?

These credit cards offer the opportunity to earn additional miles and points, making you eligible for complimentary upgrades. With a variety of travel credit cards to choose from, you can utilise these points and miles to make your trips more cost-effective. What sets these cards apart is their widespread acceptance, ensuring seamless transactions without undue hassle.

Demystifying travel credit cards: What are they and how do they work?

Much like standard credit cards, travel credit cards reward you for everyday purchases. The distinguishing factor, however, lies in how you can employ these rewards for covering travel expenses. Depending on the specific card you have, the points can be redeemed for various travel-related expenditures, including airline miles/tickets, hotel bookings, upgrades for stays or flights, car rentals, and more.

The best travel credit cards, both in India and abroad, offer additional perks such as trip delay and cancellation insurance, baggage fee waivers, zero foreign transaction fees and access to airport lounges. These features ensure that your journey proceeds as seamlessly as possible. Moreover, many travel credit cards are co-branded, meaning they are created in partnership with specific airlines, hotel chains or travel booking platforms, allowing you to select the most suitable option for your needs.

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Essential factors to evaluate when selecting a travel credit card.

Different credit cards come with various benefits, so it’s important to find one that aligns with your specific needs. Here are some key features to look for:

• Generous welcome bonus: Travel credit cards often offer substantial sign-up bonuses when you join the programme. It’s wise to choose a card based on the initial benefits they offer, whether related to spending thresholds or immediate travel rewards. Keep these considerations in mind before booking the card.
• No foreign transaction fees: Many credit cards impose a foreign transaction fee of around three percent when making purchases in a foreign country. Opt for a card that doesn’t charge this fee, especially if you frequently travel abroad.
• Tailored travel rewards: While most cards offer lucrative rewards, it’s essential to select one that caters to your travel preferences. For example, if you frequently fly with Air India, a credit card that rewards you for flights on IndiGo or SpiceJet will not be the most beneficial option for you.
• Higher rewards for everyday spending: Travel credit cards in India typically offer travel benefits in exchange for your regular expenditures. Look for a card that provides maximum points or rewards for your everyday purchases, allowing you to accumulate travel rewards more quickly.
• Low annual fee: Most credit cards have some form of an annual renewal fee, even if it is a nominal charge. Choose a card with the lowest possible renewal fee while still fulfilling your other requirements.

Top travel credit cards for Indian jetsetters

Hdfc regalia credit card.

  View this post on Instagram   A post shared by HDFC Bank (@hdfcbank)

Among one of the most popular credit cards in India, the HDFC Regalia card offers great travel benefits, despite not being primarily designed for travel. Some of its key advantages include six visits to international lounges through the Priority Pass membership and 12 visits to domestic lounges through the Visa/Mastercard Lounge programme. This is particularly beneficial for international travel enthusiasts. 

Joining Fee: INR 2,500 plus taxes Renewal Fee: INR 2,500 plus taxes Travel Insurance: Emergency overseas hospitalisation cover International Transactions: 2 percent charge on international transactions Reward type: Reward Points Welcome Benefits: 2500 Reward Points, renewal benefit of 2500 Reward Points

Know more here

Air India SBI Platinum Credit Card

  View this post on Instagram   A post shared by SBI Card (@sbicard_connect)

One of the best credit cards for travel, especially for booking flights, is the Air India SBI Platinum Credit Card. With an annual fee of INR 1,499, this card provides the advantage of eight visits to domestic VISA lounges in India (with a maximum of two visits per quarter). Additionally, it offers added ease for online railway bookings and easy access to cash on-the-go facilities. 

Joining Fee: INR 1,499 Renewal Fee: INR 1,499 Reward Type: Reward Points Welcome Benefits: 5000 points; 2000 points as anniversary gift

American Express Platinum Travel Credit Card

  View this post on Instagram   A post shared by American Express (@americanexpress)

When it comes to the best credit cards for travel available in India, the American Express Platinum Travel Credit Card is an excellent choice for those who love being on-the-go. This card offers access to attractive travel vouchers based on your spending levels, providing amazing benefits. These benefits include eight complimentary lounge visits every year (with a maximum of two per quarter), special rewards for reaching various milestones and access to premium benefits such as 24×7 Platinum Assist and Emergency Card Replacement anywhere across the globe.

Joining Fee: INR 3,500 plus taxes Renewal Fee: INR 5,000 plus taxes Reward Type: Points Welcome Benefits: 10,000 Membership Rewards Point

Axis Bank Vistara Signature Credit Card

If you frequently book flights, this credit card can be an excellent option for you, especially because it is in collaboration with Vistara. The card comes with many benefits, including a complimentary premium economy Vistara ticket, lounge access at select airports in India, eligibility for silver membership of Club Vistara, rewards at milestones that can be redeemed for premium economy tickets, EMI payment options, insurance coverage and various other perks. 

Joining Fee: INR 3,000 Renewal Fee: INR 3,000 Travel Insurance : Purchase Protection Cover worth INR 1 lakh or cover of up to USD 300 (INR 24,976) on loss of travel documents or delay/loss of check-in baggage International Transactions: 3.5 percent Reward Type: Points Welcome Benefits: Complimentary Premium Economy ticket

Kotak Royale Signature Credit Card

  View this post on Instagram   A post shared by Kotak Mahindra Bank Ltd (@kotakbankltd)

A great choice for those who frequently spend on travel agencies and tour operators, the Royal signature credit card offers four times the bonus points for every INR 150 spent on air tickets, hotels, restaurants, travel agencies, and other similar payments. Along with complimentary lounge visits in India and various other benefits , this credit card is ideal for those who travel extensively. Users can also earn bonus points for annual expenditures of INR 4,00,000 and INR 8,00,000. 

Joining Fee: Nil Renewal Fee: INR 999 International Transactions: 3.5 percent plus GST Reward Type: Points

Yes Preferred Credit card

  View this post on Instagram   A post shared by YES BANK (@yes_bank)

This card grants you access to airport lounges abroad four times a year and twice per quarter in India. Additionally, points can be converted into Air Miles for booking tickets. Travellers also enjoy a much lower foreign currency markup compared to other cards and extensive insurance coverage to address any mishaps that may occur during their travels.

Joining Fee: INR 999 plus taxes Renewal Fee: INR 999 plus taxes Travel Insurance: Air accident cover, medical emergency cover International Transactions: 1.5 percent markup Reward Type: Points that can be converted to Air Miles

SBI IRCTC Credit Card

If you love travelling by trains, this credit card is definitely among the best options in India for you. It offers four complimentary visits to the railway lounges, attractive reward benefits, and additional benefits that can earn you up to 10 percent of your spending value back as reward points.

Joining Fee: INR 500 plus taxes Renewal Fee: INR 300 plus taxes Reward Type: Points Welcome Benefits: 350 activation bonus reward points

Club Vistara IDFC FIRST Credit Card

  View this post on Instagram   A post shared by Club Vistara (@club.vistara)

Here’s another option for Vistara flyers, and it comes with attractive benefits such as bonus points when you reach spending milestones, 12 complimentary golf lessons, four complimentary rounds of golf each year, eight complimentary visits to domestic airport lounges and spas, and four complimentary lounge visits at international airports every year. 

Joining Fee: INR 4,999 + GST Renewal Fee: INR 4,999 + GST Travel Insurance: Trip cancellation cover International Transactions: 2.99 percent Reward type: Reward Points Welcome Benefits: 1 Complimentary Premium Economy ticket voucher, Complimentary Club Vistara Silver Membership and 1 One-Class Upgrade e-Voucher

Shop the best travel experiences here

Hero and Featured Image credit: kitzcorner/Shutterstock

All currency conversions were done at the time of writing

Related:  Here’s How Much It Costs To Charter A Jet In India – And How To Do It

Frequently Asked Questions (FAQs)

– How do I apply for a credit card? To apply for a credit card, check your credit score, see if you’re pre-approved for the card, and ensure you have all the necessary documents in place. 

– Are there any redemption charges for reward points? Yes, some banks levy a charge or fee when you redeem reward points.

– How do we use a credit card for lounge access? Simply present your credit card at the respective lounge and show it at the entry to gain admission. 

– How do travel rewards points or miles work? Reward points and miles are earned for purchases made using a credit card. These can be earned through various transactions, such as hotel bookings, flight tickets, shopping, dining out and even fuel payment. You can then use these points to avail offers or upgrades when making bookings or purchases. 

– What are the key features to look for in the best travel credit cards? Look for attractive welcome benefits, low renewal charge/fees, and ensure that the card’s benefits align with your specific travel needs. 

– What is a sign-up bonus, and why is it important for travel credit cards? A sign-up bonus is a welcome gift offered by credit card companies when you sign up for their card. For travel cards, these benefits may include bonus air miles, points, complimentary hotel stays, free upgrades, airport lounge access or other perks.

– What is the difference between airline-specific and general travel credit cards? Generic travel credit cards typically offer a range of benefits that cater to various travel needs. Airline-specific cards, on the other hand, focus on benefits pertaining to a particular airline, such as club memberships, lounge access, upgrades, priority boarding, and may offer fewer benefits unrelated to that airline. 

– How can I maximise the benefits of my travel credit card? Maximise your benefits by making significant purchases after obtaining the card to earn extra points. Opt for co-branded travel credit cards in India to maximise benefits for both brands. Collect enough points and use them to book your tickets, which can provide better services or better tickets at a more affordable price.

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Anushka Goel

Anushka has previously worked with publications such as the Times of India and Being Indian. A graduate from Xavier Institute of Communications, she specialises in entertainment, food and travel. She also likes to write about sustainability and beauty. When not working, you can catch her reading a book, tending to her plants, cooking or playing an instrument. Read Less

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Travel credit cards 

There are several travel credit cards available in India that can help make your travel dreams a reality while providing various benefits and rewards!

Best Travel credit cards

HDFC Regalia Credit Card

• Travel friendly

Joining Fee - Rs. 500 Annual Fee – Rs. 500

HDFC Regalia Credit Card is one of the most popular travel credit cards in India. It offers numerous benefits, including airport lounge access, travel insurance, and rewards points for travel-related expenses. This card is ideal for frequent travelers who want to enjoy the luxury of airport lounges and earn rewards on their travel expenses.

• Complimentary airport lounge access : HDFC Regalia Credit Card provides free access to airport lounges in India and abroad, making your travel more comfortable and enjoyable.
• Travel insurance : This card offers travel insurance coverage of up to Rs. 1 crore in case of flight delays, baggage loss, or any other travel-related mishap.
• Rewards points : HDFC Regalia Credit Card provides 4 reward points for every Rs. 150 spent on travel-related expenses, which can be redeemed for hotel bookings, flight tickets, or shopping.
• Fuel surcharge waiver : This card offers a fuel surcharge waiver of 1% on fuel transactions up to Rs. 5000

HDFC Regalia Credit Card is a perfect choice for frequent travelers as it provides exclusive travel benefits, including airport lounge access, travel insurance, and rewards points for travel-related expenses.

ICICI Bank Sapphiro Credit Card

Joining Fee - Rs.100 + GST (monthly) Annual Fee - Nil

ICICI Bank Sapphiro Credit Card is a premium travel credit card that provides exclusive benefits to travelers. This card offers airport lounge access, complimentary golf rounds, and rewards points for travel-related expenses. This card is ideal for those who travel frequently and enjoy luxury experiences.

• Lounge access : Axis Bank Vistara Signature Credit Card provides free access to airport lounges in India and abroad, making your travel more comfortable and enjoyable.
• Flight discounts : This card offers up to 15% discount on Vistara flights booked through the Vistara website.
• Rewards points : Axis Bank Vistara Signature Credit Card provides 4 reward points for every Rs. 200 spent on travel-related expenses, which can be redeemed for hotel bookings, flight tickets, or shopping.
• Fuel surcharge waiver : This card offers a fuel surcharge waiver of 1% on fuel transactions up to Rs. 4000.
• Airport lounge access : ICICI Bank Sapphiro Credit Card offers complimentary access to airport lounges in India and abroad, making your travel more comfortable and enjoyable.
• Golf rounds : This card provides two complimentary golf rounds per month at select golf courses across India.
• Rewards points : ICICI Bank Sapphiro Credit Card provides 2 reward points for every Rs. 100 spent on travel-related expenses, which can be redeemed for hotel bookings, flight tickets, or shopping.

ICICI Bank Sapphiro Credit Card provides exclusive travel benefits, including airport lounge access, golf rounds, and rewards points for travel-related expenses, making it an ideal choice for frequent travelers who enjoy luxury experiences.

Axis Bank Vistara Signature Credit Card

Joining Fee - Rs. 3000 + GST Annual Fee - Rs. 3000 + GST

Axis Bank Vistara Signature Credit Card is designed for frequent travelers on Vistara airlines. This card offers benefits such as lounge access, discounts on flights, and rewards points. This card is ideal for those who travel frequently on Vistara airlines and want to earn rewards on their travel expenses.

Axis Bank Vistara Signature Credit Card is a great choice for frequent travelers on Vistara airlines, as it offers exclusive benefits such as lounge access, flight discounts, and rewards points.

American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card is a premium travel credit card that offers a range of travel benefits and rewards. This card provides travel vouchers, complimentary airport lounge access, and rewards points for travel-related expenses. This card is ideal for those who travel frequently and want to enjoy luxury experiences.

• Travel vouchers : American Express Platinum Travel Credit Card provides travel vouchers worth Rs. 10,000 on spending Rs. 4 lakhs in a year, which can be redeemed for flights or hotel bookings.
• Airport lounge access : This card offers complimentary access to airport lounges in India and abroad, making your travel more comfortable and enjoyable.
• Rewards points : American Express Platinum Travel Credit Card provides 1 reward point for every Rs. 50 spent on all transactions, which can be redeemed for hotel bookings, flight tickets, or shopping.
• Fuel surcharge waiver : This card offers a fuel surcharge waiver of 1% on fuel transactions up to Rs. 10,000.

American Express Platinum Travel Credit Card is a great choice for frequent travelers who want to enjoy luxury experiences and earn rewards on their travel expenses.

SBI Elite Credit Card

Joining Fee - Rs. 4,999 + GST Annual Fee - Rs. 4,999 + GST

SBI Card Elite is a premium travel credit card that provides exclusive benefits and rewards to travelers. This card offers travel vouchers, airport lounge access, and rewards points for travel-related expenses. This card is ideal for those who travel frequently and want to earn rewards on their travel expenses.

• Travel vouchers : SBI Card Elite provides travel vouchers worth Rs. 5,000 on spending Rs. 5 lakhs in a year, which can be redeemed for flights or hotel bookings.
• Rewards points : SBI Card Elite provides 2 reward points for every Rs. 100 spent on all transactions, which can be redeemed for hotel bookings, flight tickets, or shopping.
• Fuel surcharge waiver : This card offers a fuel surcharge waiver of 1% on fuel transactions up to Rs. 4,000.

SBI Card Elite is a great choice for frequent travelers who want to enjoy exclusive benefits and rewards on their travel expenses.

Benefits of Travel Credit Cards

Complimentary Airport Lounge Access : One of the most significant benefits of travel credit cards is that they offer complimentary airport lounge access. This means that you can relax in the lounge before your flight and enjoy free food, drinks, and Wi-Fi.

Travel Insurance : Most travel credit cards offer travel insurance, which covers you in case of any mishap during your trip. This includes medical emergencies, trip cancellations, and lost luggage.

Rewards Points : Travel credit cards also offer rewards points for travel-related expenses. These rewards points can be redeemed for various benefits such as cashback, gifts, or air miles.

Discounts and Offers : Travel credit cards also come with a host of discounts and offers on dining, shopping, and entertainment. These discounts and offers can help you save money during your trip.

Fuel Surcharge Waiver : Most travel credit cards offer fuel surcharge waiver, which means that you don’t have to pay any extra fees when you use your card to pay for fuel.

Documents Required to Apply for a Travel Credit Card

• Recent Passport sized photo
• ID Proof (Voter ID/PAN Card/Aadhar)
• Address Proof
• Income Proof (Payslip, Salary Certificate)
• Bank Statements with salary credit4

How to apply for Travel credit cards at Fincover?

• Log onto “Fincover.com”
• Click on the Credit Cards tab
• Click on the apply now link given at the top
• You need to enter some details as requested
• You would need to submit the documents required 
• Once done, an application ID will be sent to you to track your application status.

Travel credit cards

Cashback credit cards

Rewards credit cards

Shopping credit cards

Fuel credit cards

Lifestyle credit cards

Students credit cards

Lifetime free cards

Business credit cards

Instant approval cards

Rupay cards upi

Balance transfer cards

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Select > Card Genie > Cards by Privilege > Travel

Best Travel Credit Cards in India 2023

👊 genie knows no compromises.

Select has got a card that suits your style. Check out these best picks for Travel Credit Cards.

IDFC FIRST Bank Select (4.8) Full Details

Reward Point Value

Joining Fee

Annual Percentage Rate

Dining Benefit

Discount of up to  20% on dining  at participating restaurants.

Travel Benefit

• Enjoy up to 4 free lounge visits per quarter at selected domestic airports in India and 4 complimentary railway lounge access.
• Complimentary roadside assistance worth ₹1,399.

Entertainment Benefit

• Get a  Buy 1 Get 1 offer  on  movie ticket  bookings on PayTM app.
• Up to  2 complimentary movie  tickets worth  ₹250  each  per month

Concierge Services

• Exclusive 24/7 Concierge Services to book flights, dining and other activities.
• Phone No: 1860 258 2000 (India) 
• Email ID: [email protected]

Other Benefit

Up to 15% discount at 3000+ Health & Wellness outlets.

Milestone Benefit

10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle.

Welcome Bonus

Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.

5% cashback  up to ₹1,000  on EMI transactions within the first 90 days .

Insurance Benefit

Insurance cover for:

• Air Accident Cover - ₹1 Crore
• Travel - ₹22,500  
• Accident Cover - ₹5,00,000
• Lost Card Liability - ₹50,000

Note-  All these insurance benefits are subject to the bank’s criteria.

Fuel Surcharge

1% surcharge waiver on fuel transactions at petrol pumps across India, with a maximum discount of ₹300.

Reward Points

• 10X reward points on expenses over   ₹25,000.
• 10X reward points on transactions made on your birthday.
• 6X reward points on your online purchases.
• 3X reward points on every offline expense.
• 1X = 1 reward points per ₹125 spent.
• Reward Rate = 0.6% to 2%

Club Vistara IDFC FIRST Bank (4.8) Full Details

5 Free Premium Economy Ticket Vouchers every anniversary year on crossing spend milestones of:

• ₹1,50,000 - 1st  Ticket Voucher
• ₹3,00,000 - 2nd Ticket Voucher
• ₹4,50,000 - 3rd Ticket Voucher
• ₹9,00,000 - 4th Ticket Voucher
• ₹12,00,000 - 5th Ticket Voucher
• CFAR Trip Cancellation Cover – With the Cancel For Any Reason trip cancellation cover, you can get a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card, on 2 cancellations per year.
• Air accident insurance cover – ₹1 Crore
• Personal Accident cover – ₹10 Lakhs
• Lost card liability cover – ₹50,000
• Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents – USD 1200
• 6 CV Points on spends up to ₹1 Lakh in each statement cycle
• 4 CV Points on spends above ₹1 Lakh in each statement cycle
• 10 CV Points on all dining spends on your Birthday
• 1 CV Point on every spend done on Fuel, Insurance, Utility, Rent & Wallet Load
• Each CV Point is earned on a spend of ₹200
• CV Points are not applicable on EMI Transactions & Cash Withdrawal
• Reward Rate:  0.8% to 4%
• Get 1 free Premium Economy Ticket Voucher
• Continued access to Club Vistara Silver Membership
• Enjoy 12 free golf lessons and 4 free rounds of golf every year
• Get 1 Free Premium Economy Ticket Voucher.
• Buy a premium economy ticket and travel business class with a One Class Upgrade Voucher.
• Get direct entry to Club Vistara Silver Membership.
• Enjoy EazyDiner Prime membership: Free for 3 months.
• Enjoy BQ Prime subscription : Free for 3 months.
• Get 2000 CV Points in the first 3 billing cycles on minimum spend of ₹30000 per month.

₹10,000 coverage on cancellations of flight and hotel bookings (up to 2 claims a year).

Lounge Access

• 12 free visits to domestic airport lounges and spas per year.
• 1 free visit to international airport lounge per quarter.
• Lounge visits activated on minimum monthly spends of  ₹5000.
• List of domestic airport lounges & Spas
• List of international airport lounges

Interest-Free Period

Interest-free cash withdrawals across ATMs globally (up to 48 days)

HDFC Bank Infinia Metal Edition (4.7) Full Details

• Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
• Benefit also available for add on Priority Pass holders.

Up to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

• Book stay for 3-nights and pay for two at participating ITC hotels. 
• 1+1 complimentary buffet at participating ITC hotels.
• Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay.
• 12,500 reward points upon fee realisation and card activation.

You can redeem your Reward Points on Smartbuy or Netbanking.

Reward Points can be redeemed for:

• Flight and Hotel Bookings via Smartbuy at a value of 1 RP = ₹ 1.
• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = ₹ 1.
• Airmiles conversion through net banking at a value of 1RP = 1 air mile.
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to ₹ 0.50.
• Cashback at a value of 1 RP = ₹ 0.30.
• Reward Rate-  3.3%
• Accidental Air Death cover worth ₹3 Crore.
• Emergency overseas hospitalization up to ₹50 lakhs in case of emergency.
• Credit Shield Cover for upto 9 lakhs.
• The HDFC Bank Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
• Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
• Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India.

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000.

Axis Bank Reserve (4.7) Full Details

• Counterfeit/lost card liability upto credit limit.
• Purchase protection: ₹ 2 Lakhs.
• Loss/Delay in baggage & Personal Documents : 500 USD.
• Credit shield: ₹5 Lakhs.
• Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000 (Capped at ₹400 per month).

50,000 Edge Reward Points on card activation and when the card membership is renewed every year.

• 15 EDGE reward points for every ₹200 spent.
• 2X rewards on international spends.
• Reward Rate:  1.5% to 3%.

Complimentary EazyDiner Prime membership .Savings of upto 25% across premium restaurants.

Note:  Benefit is provided only to primary cardholders of Axis Bank Reserve credit card, and the customer has to activate the membership within 6 months of receiving the code.

• Unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests.
• Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 
• 8 complimentary VIP Assistance Services for a smooth and hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services.
• 4 complimentary  luxury airport pick-ups/drops every year.

Note: •  Benefit is capped to 4 complimentary airport transfers per primary cardholder. • Bookings should be made at least 48 hours before the service time. •  Valid for domestic and international departures/arrivals.

• Buy 1 movie ticket and get upto ₹500 off on the second ticket for a maximum of 5 times a month.
• Buy 1 non-movie ticket and get upto ₹ 1000 off on the second ticket for a maximum of 5 times a month.
• 50 Complimentary golf rounds every year across the best golf courses in India.

Club ITC Culinaire Membership

• Complimentary third-night stay.
• 50% savings on published room tariff for suites on weekends.
• 25% Green Points on Food & Beverage spends.
• Bouquet of 10 certificates and more.

Accor plus membership

• 1 night complimentary stay across Asia Pacific region.
• Complimentary room upgrade.
• Upto 50% off on dining.
• Complimentary lunch buffet for 2 across Accor hotels in India.

Handcrafted Club Marriott Asia Pacific membership

• 20% off on food and beverage.
• 20% off on the best available rates at participating Marriott hotels in India and on Weekend rates in Asia Pacific.

Exclusive offers at Oberoi hotels and resorts

• 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites.

15% savings at Postcard hotels

• 15% off on best available room rate.
• Anytime check in and check out.
• A complimentary lifestyle consultation (applicable at our hotels in Goa).

Axis Bank Ace (4.6) Full Details

• A 1% fuel surcharge is waived at all fuel stations throughout the nation.
• The maximum waiver amount is ₹500 per month.
•  Valid on transactions between  ₹400 to ₹4000.

Cashback Benefit

• 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
• 2% cashback on other spends.
• 4 airport lounge visits every year at certain domestic airports.
• 4% cashback on Ola rides.
• 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
• 4% cashback on Swiggy and Zomato.

EMI Benefit

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

IDFC FIRST Bank Wealth (4.6) Full Details

Convert transactions of ₹2,500 or more into easy EMI.

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Whatsapp at this number  (+91)(0) 0008 00050 4254  Or visit https://www.concierge-asia.visa.com .
• Exclusive discounts on airport immigration service at over 450 destinations worldwide.
• Discounts on limousine services for airport transfers in more than 3000 cities globally.
• Access to 900+ luxury hotels around the world with premium benefits.
• Roadside assistance worth ₹1,399 all over India up to 4 times annually.
• Low Forex Markup charges at 1.5% on all International transactions.
• Monthly 2 complimentary Golf rounds on a monthly statement of ₹20,000 or more.
• 15% discount at 3000+ health & wellness centres.
• Buy 1 get 1 offer on movie tickets up to ₹500. Note: The movie offer is valid only on the Paytm app twice a month.
• 10X reward points on all spends above ₹30,000.
• 10X reward points on all spends done on your birthday.
• For all online spends, earn 6X reward points.
• For all offline spends, earn 3X reward points.
• Earn 1X reward point for every ₹100 spent.
• Reward Rate: 0.75% to 2.5%
• 4 free access to the Domestic & International airport lounges every quarter.
• 4 free access to spas and railway lounges every quarter.
• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance.

Dining discount of up to 20% at over 1500 restaurants.

• Air accident cover of ₹1 crore.
• Personal accident covers of ₹10 lakhs. 
• Lost card liability covers of ₹50,000.
• Comprehensive Travel Insurance of $1,200.
• Note: Travel insurance is valid if there is at least one transaction in the last 30 days via card.

1% fuel surcharge waiver at all fuel stations across India up to ₹400/month.

American Express Platinum (4.6) Full Details

• Seamless upgrade to Elite Tier Memberships.
• Exclusive invitations to VIP events .
• Access to presale tickets for events like Fashion Week, Grammy, Wimbledon etc.
• 25% off at Taj, SeleQtions and Vivanta Hotels.
• Exclusive deals on the world’s finest airlines like Emirates, Qatar Airways, and British Airways.
• Benefits worth ₹37,000 like complimentary room upgrades and late checkouts at the 5 Star hotels.

Note: Hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more.

• 1 Membership Rewards Point for every ₹40 spent
• 3x Membership Rewards Points on all international spends
• 5x Membership Rewards Points on every purchase through Reward Multiplier
• Reward Rate:  1.25% to 2.5%

Access to over 1,300 premium airport lounges globally.

• Coverage of ₹5 Crore for death due to air accidents.
• Coverage of ₹50,000 in case of loss of baggage, documents or passport.
• Complimentary medical insurance for US$ 50,000 for the first 7 days of the trip.
• Protection against loss/damage of tangible goods within the first 90 days caused by fire, burglary or natural calamities.
• Fraud protection worth ₹15 lakhs in case of theft, fraud or an emergency.
• Emergency hotels and travel assistance up to ₹2 lakhs and emergency cash in India.
• Up to 50% off at over 1800 premium restaurants in India.
• Free membership of  EazyDiner Prime.
• Complimentary drinks, preferential reservations & 24X7 VIP helpline.

Stay vouchers worth ₹45,000 from Taj, SeleQtions and Vivanta Hotels.

Note: Benefits available on payment of annual fee and spending ₹50,000 in the first 2 months of Card membership.

Enjoy 24X7 Concierge services that assist users with travel reservations and other plans.

HPCL Super Saver (4.6) Full Details

• 5% cashback (4% + 1% surcharge) on fuel purchases at HPCL fuel pumps, on any bank POS machine, or on the HP Pay app. 
• Additional 1.5% cashback as reward points on fuel purchases on the HP Pay app at HPCL outlets. 

Note: 4% cashback is capped at ₹200 per month.

2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least ₹5,000 within the first 45 days of card issuance; ₹100 cashback on the HP Pay app on the first fuel purchase of ₹1,000 or more .

• 5% cashback on all bill payments and departmental store spends.
• 20 ICICI Bank Reward Points on every ₹100 spent on utilities.
• 2 ICICI Bank Rewards on every ₹100 spent on all retail purchases. 
• Reward Rate: 0.5%

Note: 5% reward points are capped at ₹ 100 worth of  ICICI Bank Reward points per month.

Free airport lounge access per quarter on spending ₹5,000 in every calendar quarter.

24x7 roadside assistance in case of vehicle breakdown.   

Axis Bank Atlas (4.6) Full Details

A dining proposition that provides 25% off up to ₹800  on dining restaurants via EazyDiner. Valid on minimum order value of ₹2000 and twice per month per card.

5000 EDGE Miles on doing first transaction withing 30 days.

• 5 EDGE Miles per ₹100 spent..
• 2 EDGE Miles on Other Spends per ₹100 spent.
• Airport Concierge Services like check-in, security check, and immigration processes, and porter services.
• 2 free Airport Pickup Services.

Free 8 Domestic and 4 International lounge access for primary card holders and accompanying guests.  List of lounges

Reward Rate: 2% to 10% in the form of Edge Miles.

Kotak Indigo Ka-ching 6E Rewards (4.5) Full Details

• 3% Rewards on Indigo Spends.
• 2% Rewards on monthly Merchant Spends (Includes Dining, Grocery & Entertainment).
• 1% Rewards on Other Category spends (Wallet excluded).
• 10% Accelerated rewards on spend at Indigo partner.
• Reward Rate: 1% to 10%
• Complimentary ticket worth ₹1,500.
• 6E Prime add-ons worth ₹899.
• Accor Dining Voucher worth ₹1,000.
• Discount Voucher of 30% for stays at Accor Hotels.

Note: Complimentary tickets can be redeemed towards base fare post doing three 3 transactions every month for the first quarter. Add-ons include priority check-in, choice of seats, complimentary meal and baggage assistance.

Discount of ₹150 per passenger on convenience fee on Indigo Tickets.

HSBC Premier (4.5) Full Details

Emergency services and international travel insurance

30% off your bill with EazyDiner up to ₹1,250

Unlimited airport lounge access in India and internationally and 8 international guest visits

• 3 Reward points for every ₹100 you spend
• Reward Rate: 3%

Low forex markup fee of 0.99% with no terms and conditions

 Weekly BOGO offers from BookMyShow

• Epicure membership with offers and benefits across Taj hotels
• Taj Experiences gift card worth ₹12,000
• Complimentary EazyDiner Prime annual membership

Save 1% Fuel Surcharge at any pump, any place  

American Express Platinum Travel (4.5) Full Details

Zero lost card liability.

• Users liability is Nil if the fraud is reported within 3 days.
• Max. liability of ₹1,000 if the fraud is reported beyond 3 days.

E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels .

2 Complimentary airport lounges per quarter across India.

• Additional Flipkart voucher or ATO benefits worth ₹4,500   on spending  ₹1.90  lakhs.
• Additional Flipkart voucher or ATO benefits worth ₹7,000   on spending  ₹4 lakhs.

Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.

10,000 membership points redeemable for Flipkart Voucher or Amex Travel.

Note: Applicable on spending ₹15,000 within 90 days of Card membership.

Flexibility of converting transactions of ₹5,000 or above into easy EMIs.

Up to 20% off at partner restaurants.

Reward Rate: 3% to 7.5%

• Complimentary membership to Priority pass.
• 24x7 Card Related Assistance.
• Emergency Card Replacement.

Missing- EMI Benefit offered by the card.

• 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
• 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.

HDFC Diners Club Metal Edition (4.5) Full Details

Redeem reward points for booking flight tickets/hotels across airlines and choice of hotels. Note - Members can redeem up to 70% of booking value through reward points . Rest will have to be paid via Credit Card.

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation of ₹50 lakh
• Travel Insurance covers up to ₹55,000 on baggage delay beyond 8 hours for international flights, capped at $10/hour.
• Credit Liability Cover of up to ₹9 lakh
• 5 reward points for every ₹150 spent.
• 10X reward points on spends via SmartBuy.
• Reward Rate: 3.33%

Note: 1 Reward Point = ₹1. The maximum reward points that can be earned in a statement cycle is 75,000.

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

6 free golf games every quarter across the finest courses in the world. To book a golf game, reach out to the concierge via: Call: 1800 118 887 | 022 42320226, Email: [email protected]

• Get 2X reward points , i.e. 10 reward points per ₹150 spent on weekend dining, capped at 1000 reward points per day.
• 25% savings off on all your restaurant bill payments via Swiggy Dineout.

10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

Free annual Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh within the first 90 days of card issuance.   

Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members.

• For Domestic lounges, click here.
• For International lounges, click here.  

Get Global Personal Concierge 24/7.

• Toll-free: 1800118887
• Landline: 022 42320226
• Email: [email protected]

RBL Bank World Safari (4.5) Full Details

• Earn 2 Travel Points for every ₹100 spent on all your purchases.
• Earn 5 Travel Points for every ₹100 spent on Travel spends.
• No Reward Points on International purchases.

Fuel surcharge waiver of ₹250 per month across all fuel stations.

Note: Valid on transactions between ₹500 and ₹4,000.

Make My Trip Voucher worth ₹3,000.

Gift cards worth ₹10,000 from brands like Taj, Amazon, Croma , etc. on a spend of ₹7.5 lahks in a year.

• 10,000 bonus Travel Points on spends of ₹2.5 lakhs  in a year.
• Additional 15,000 Travel Points on spends of ₹5 lakhs  in a year.
• Reward Rate: 0.5% to 1.25%
• 2 Complimentary access every quarter to domestic airport lounges in India.
• 2 free visits to international airport lounges by using the priority pass.
• Additional free visit via Priority pass on spend of ₹50,000 or more in a calendar quarter. 

Complimentary golf rounds at selected golf courses in India.

• 24X7 concierge service that assists with reservation of hotels, dining, golf courses etc.
• To Avail of the services, call customer care at 022 6232 7777 

Complimentary travel insurance that covers:

• Travel Insurance covers: 
• Personal Liability coverage
• Baggage Loss 
• Loss of Passport 
• Dental Treatment

Standard Chartered Ultimate (4.5) Full Details

Access to 1,000 airport lounges all over the world.

• Reduced foreign currency markup fee of 2% on all foreign currency transactions .
• 5% cashback on spends done duty-free. Note: Max cashback of ₹1,000 in one month.
• Free add-on credit card with all the same benefits as on the primary credit card.
• Facility of availing a loan of up to ₹5 lakh against the credit card .
• Option of transferring the card balance up to ₹5 lakh from other credit cards.

Ease of converting transactions of ₹5,000 and above into smaller EMIs.

6,000 welcome points worth ₹6,000 on payment of the joining fee.

• 5 reward points on every ₹150 spent on all categories.
• Reward Rate: 3.3%

Note: Some categories which are not eligible for reward points are fuel, utilities and supermarkets.

HDFC Bank Millennia (4.5) Full Details

8 free visits to domestic lounges each year (2 in a quarte r )

• For Mastercard Cards, ₹25 will be charged and immediately made void at the terminal for verification.
• For Visa/Diners Cards, ₹2 will be charged to the card account as a transaction for verification

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000 . The maximum waiver per statement cycle is ₹250 .

1,000 Cash Points applicable only on payment of membership fee.

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

Revolving Credit

At a small charge of 3.6% a month , HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

Up to 20% discount on partner restaurants via Swiggy Dineout.  

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

• 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
• 1% cashback on all online and offline spending, including EMI & wallet transactions except fuel.

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that .

IDFC FIRST Bank Millennia (4.5) Full Details

• Personal accident covers of ₹2 lakhs.
• Lost card liability covers of ₹25,000.

Note: Valid on doing at least one transaction using a card in the last 30 days.

15% discount at health & wellness outlets.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance. 
• 5% cashback (up to ₹1,000) on EMI transactions done within the first 90 days of card issuance.

1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.

4 complimentary Railway lounge visits per quarter.

Convert transactions of ₹2500 or more into easy EMI.

• 10X reward points every time your expenses reach ₹20,000.
• 10X reward points on transactions that you make on your birthday.
• 6X reward points on every online purchase.
• 3X reward points on all your offline expenses.
• 1 reward point when you spend ₹100 on your credit card.
• Reward Rate: 0.5% to 1.67%

Axis Bank Magnus (4.5) Full Details

• Counterfeit/lost card liability upto credit limit
• Purchase protection: ₹2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: ₹5 Lakhs

Buy one ticket and get up to ₹500 off on the second ticket for a maximum of 5 movie/non-movie bookings in a month.

• 24x7 dedicated Concierge Services on flight bookings, table reservations, gift deliveries and more.
• Avail of special VIP assistance services for a smooth and hassle-free airport transfer.

Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000.  

Domestic Lounge Access

• Unlimited free access to domestic lounges annually, applicable to both primary and add-on cardholders.

International Lounge Access

• Unlimited free access to international lounges annually with Priority Pass.
• Complimentary 8 international lounge access for guests.  
• Annual fee waiver on spend of ₹25 lakhs in the preceding year.
• Healthcare packages and a range of privileges with SRL diagnostics, Dr. Lal PathLab and Metropolis.
• Expert medical opinion from a panel of world-class specialists at leading institutions.
• Virtual health assistance including tele-consultation, health coaching, home quarantine programs, personalized oncology care and more.
• Enjoy 8 complimentary end-to-end VIP services at the airport.
• Global Travel and Medical Assistance like legal & medical service referral, emergency evacuation, etc.
• Reduced mark-up fee of 2% on foreign transactions.

Enjoy up to 40% discount at over 4,000 restaurants across India.

Choose any one voucher worth ₹12,500 from below options:

Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

• Earn 12 Axis EDGE Reward Points on spends of every ₹200 up to ₹1.5 lakh.
• 35 EDGE Reward points per ₹200 on incremental spends above ₹1.50 lakh.
• 5X EDGE Rewards on travel spends via Travel Edge.
• 2 partner miles for every 5 EDGE Reward points across 19 travel partners.
• Reward Rate: 1.25% to 6%

Federal Bank Scapia (4.4) Full Details

24x7 concierge service on Scapia Federal Bank Credit Card

Zero forex markup on all international transactions

• 20% rewards on travel bookings done via the Scapia app
• 10% rewards on every online and offline spending
• 5 Scapia Points = ₹1
• Reward Rate = 2% to 4%

Unlimited domestic lounge access on minimum spending of ₹5,000

Standard Chartered Digi Smart (4.4) Full Details

• Phone number: 1800 102 7274
• Email: [email protected]
• 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
• 10% discount on international flight bookings with a max discount of ₹10,000.
• Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
• 15% cashback on cab booking with Ola with a max discount of ₹600 per month.

BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction . Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Avail the EMI facility on transactions above ₹2,000 , which can be accessed through the internet or mobile banking.

Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

Shopping Benefit

• 20% off at Myntra with no minimum spend . Valid on 1 transaction per month up to a maximum discount of ₹700.
• Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000. 

Axis Bank Vistara Signature (4.3) Full Details

2 Complimentary lounge access  per quarter at selected airports in selected Indian cities.

Insurance cover of up to ₹1 lakh for loss of travel documents, and delay or loss of check-in baggage.

• 4 Club Vistara Points for every ₹200 spent.
• Reward Rate: Up to 4%

25% discount of up to ₹800 at partner restaurants across India.

3000 Bonus Club Vistara points on spending ₹75000 within 90 days from card issuance.

Get up to 4 complimentary Premium Economy tickets in a year as milestone benefit.

The user can contact the bank to convert a big credit purchase into EMIs on any transaction over ₹2,500.

A complimentary premium economy class ticket voucher after paying the joining fee. 

Note: This is a one-way base fare waived ticker voucher.

• 3 complimentary rounds of golf at some of the destinations across India.
• Complimentary Club Vistara Silver Membership.
• Benefits include priority check-in and additional baggage allowance on fee payment. 

Note: The card will be issued within 10 working days of paying the joining/annual payment.

Standard Chartered EaseMyTrip (4.3) Full Details

• 1 free visit to domestic airport lounges per quarter.
• 2 free access to i nternational airport lounges annually.
• 2x reward points  for every ₹100 spent on all other categories of retail spend.
• 10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets.
• Reward Rate: 0.5% to 20%

Ease of converting transactions of ₹2,000 and above into EMIs.

• 10X reward points on every ₹100 spent for booking tickets at a hotel and airline.
• 10% instant discount on domestic & international flight bookings  
• 20% instant discount for domestic & international hotel bookings.
• ₹125 off on bus ticket bookings (On minimum ticket booking of ₹500 )

Note: All these offers are applicable on the bookings done via EaseMyTrip

American Express Platinum Reserve (4.3) Full Details

If you report any unauthorised use of the credit card within 3 working days of the fraud, the liability to American Express will be nil. If reported beyond 3 working days, the maximum liability will be limited to ₹1000.

• Gift voucher worth ₹500 on spending ₹25,000 per month on brands like Flipkart, BookMyShow, BigBasket, MakeMyTrip, Myntra, PVR and Shoppers Stop
• Free golf access twice a month to 32 lush green courses in India

Enjoy 24x7 services for all card-related assistance.

• 12 free annual visits (limited to 3 per quarter) to domestic airport lounges across India
• Access to 1200+ VIP airport lounges in over 120+ countries with a free Priority Pass Membership
• 1 Membership Reward Point for every ₹50 spent except for spending on fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale.
• Reward Rate: 1% to 2%

Air accident cover for up to ₹1 crore.

11,000 Membership Reward Points on spending ₹30,000 within 90 days of card membership.

0% convenience fee for HPCL transactions less than ₹5,000 ,1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000.

• 20% discount on the best available rate for a room/suite stay at Taj Palaces
• 20% discount on the best available rate for a room/suite stay at Taj Safaris
• Taj Stay Voucher worth ₹10,000 when you spend ₹5 lakh in a card membership year and pay the annual fee of ₹10,000 on your card.

AU Bank Zenith+ (4.3) Full Details

5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

• 1000 Reward Points on a minimum retail spend of ₹75,000 per statement cycle.
• Free Taj Epicure Membership on minimum spends of ₹12 Lakh in a card anniversary year.

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of ₹1000 per statement cycle)

• Free 16 International Airport Lounges access using Priority Pass.  List of Lounges
• 16 domestic lounge access per annum, max 4 quarter, with the credit card. Check out this link to view the list of eligible lounges.

Get airport VIP check-in with 4 free services per annum (max 1 per calendar quarter).

• 2 Reward Points for every ₹100 spent on travel, dining, and international spends.
• Earn 1 Reward Point per ₹100 on retail spends across all merchant categories.
• Reward Rate: 1% to 3%.

Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation.

• 16 free buy-one-get-one movie /event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to ₹500 per ticket. )
• 8 free golf games and lessons annually. (Up to 2 free golf rounds/lessons per calendar quarter)
• Air Accident Cover - Up to ₹2 crore
• Card Liability Cover - Up to ₹15 lakh
• Credit Shield - Up to ₹15 lakh
• Purchase Protection - Up to ₹50,000
• Other Travel-related covers - In the event of baggage delay, delay in flight, loss of passport and plane hijack.

Customize your travel, entertainment, and leisure experiences with their Global Concierge Assistance.

IDFC FIRST SWYP (4.2) Full Details

• Discount of 20% up to ₹80 on orders above ₹299 on Domino's valid 2 times in a month
• Discount of 10% up to ₹100 on orders above ₹299 via Zomato

10% off on flights or hotels up to ₹500 on transaction value above ₹5,000, valid once per quarter via EaseMyTrip

25% discount up to ₹100 on the purchase of movie tickets on the Paytm Mobile App. The offer can be availed once a month.

 4 free railway lounge access in a calendar quarter to participating lounges in India

Fuel surcharge waiver of 1% at all fuel stations across India , up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000 .

• 200 Reward Points on spending ₹5,000 monthly
• 500 Reward Points on monthly spend of  ₹10,000
• 1,000 Reward Points on monthly spend of  ₹15,000
• Reward Rate: 1% to 1.6%

10% instant discount up to ₹100 on purchases over ₹999 in TataCliQ, valid once per month

• 1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance
• 1-year Times Prime Membership on spending of a minimum ₹30,000 or more within the first 90 days of credit card issuance
• Free Lenskart Gold Membership for 1 year on payment of joining fee

SBI Prime (4.2) Full Details

• Complimentary Trident Privilege Red Tier Membership.
• 1 Upgrade Voucher from Vistara.
• Complimentary Air Accident Liability Cover of ₹50 lakhs
• Waiver of renewal fee on annual spends of ₹3 lakhs.
• Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter.
• E-Gift Voucher worth ₹7,000 from Yatra.com/Pantaloons on spending ₹5 lakhs annually.
• Earn 2 Reward Points per ₹100 on all other retail spends except fuel.
• Get 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental stores and Movies. 
• Reward Rate: 0.5% to 5%

Convert the transactions of ₹2500 or more into easy EMI.

• Up to 50% off on golf games.
• 1 Free lesson per month at selected golf courses.
• 4 Rounds of free green fee access.
• 15% off on F&B and Lalit Hotels.
• Up to 10% off on Hertz Car Rental.
• Up to 35% off on Avis Car Rentals.
• Exclusive benefits across 900 luxury hotels worldwide.

American Express

• Up to 25% off on dining.
• VIP upgrades & Privileges at hotels all over the world.
• ₹1,000 hotel credit on extended night stay under Trident Privilege Membership.
• Emergency Card Replacement anywhere in the world.
• Withdraw Cash anywhere in the world.

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.

Note:  Maximum waiver up to ₹250 per statement cycle.

• 8 free lounge access  per year to Domestic Lounges.
• 4 free lounge access  annually to International Lounges.

Note: Maximum  2 visits per quarter.

Gift voucher worth ₹3000  from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

6E - Rewards Indigo HDFC Bank (4.1) Full Details

Zero liability on any fraudulent transactions.

Note: Loss of card to be reported immediately to the bank’s 24-hour call centre.

• Complimentary 6E prime add-on. 
• Priority check-in, a choice of seat , a complimentary meal, and quicker baggage.
• Note: Available only on first-year membership fee payment.

1 complimentary IndiGo air ticket worth ₹1,500 on making 3 or more transactions in each of the first three months of card use. 

Note: Milestone Benefit is available only on first-year membership fee payment.

Up to 50 days of interest free period on your 6E Rewards - IndiGo HDFC Bank Credit Card, from the date of purchase.

₹150 discounted convenience fee on IndiGo.  

1% 6E Rewards for every ₹100 on fuel spends.

Reward Rate: 1% to 2.5%

HPCL IDFC FIRST Power+ (4) Full Details

• Personal Accident Cover of ₹2,00,000
• Lost Card Liability Cover of ₹25,000
• Free roadside assistance worth ₹1,399 four times a year
• ₹500 discount with Zoomcar rentals
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar

For every ₹150 spent , you earn:

24x Reward Points on HPCL Fuel & LPG

30x Reward Points on Grocery & Utility and IDFC FASTag recharge

3x Reward Points on other retail transactions

1 Reward Point = ₹0.25

Reward Rate- 0.5% to 5%

Up to 6.5% savings on your fuel expenses:

• 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month  
• 1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000 every month 
• 1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000 every month

₹150 discount on orders above ₹500 on Swiggy

• Interest-free cash withdrawal
• Free add-on card
• ₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station
• 5% cashback up to ₹1,000 on the first EMI transaction

Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000

25% off on movie tickets up to ₹100 , once every month

Kotak League Platinum (4) Full Details

On-call assistance and cheque pickup service under the “ league priority attend ” program

Reward Points worth ₹500 on payment of the joining fee.

4 free PVR tickets or 10,000 reward points on spend of ₹125,000 every 6 months.

Note:   A maximum of 8 PVR tickets worth ₹400 each can be availed annually.

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000

Note: Maximum waiver allowed in a calendar year is ₹3,500.

Railway surcharge waiver for transactions on the IRCTC website . Maximum railway surcharge waiver allowed in a calendar year is ₹500.

• Get 8x reward points for every ₹150 spent on special categories and  4x reward points for every ₹150 spent on other categories up to ₹2 lakh.
• Reward Rate:  0.66% to 3.33%

Air India SBI Signature (4) Full Details

• 20,000 Reward points on payment of the joining fee.
• Complimentary membership to Air India Frequent Flyer Program.

Complimentary lost card liability cover of ₹1 lakh.

• 8 Complimentary access to domestic airport lounges (max 2 per quarter).
• Access to International Lounges , with a priority member pass.

Note: A usage fee of $27 will be charged on accessing the priority pass member lounge.

1% fuel surcharge waiver across all the petrol stations on transactions between ₹500 and ₹4,000.

Note: Maximum surcharge waiver of ₹250 per statement cycle.

• Users earn 4 Reward Points for every ₹100 spent.
• Up to 1,00,000 bonus reward points annually.
• 5,000 reward points on the card anniversary.
• Reward rate: 1.5% to 4%

Convenience of getting railway tickets delivered to the doorstep.

Note: Railway tickets booked via the IRCTC website will be eligible for this service.

24x7 Emergency Card Replacement support anywhere in the world.

The flexibility of converting transactions of ₹2,500 or more into easy EMIs.

American Express Gold (4) Full Details

• No pre-set limit to spend. 

Note: No pre-set limit means users don’t have to worry about the credit limit while making purchases and transactions get approved based on their finances, credit record, spending pattern and account history.

1,000 bonus points on 6 transactions of ₹1,000 every month.

• 1 reward point on every ₹50 spent on fuel.

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation.

• 5x reward points on every purchase through “ Reward Multiplier ”.
• 1 point  on every ₹50 spent on fuel and utilities.'
• Reward Rate: 1% to 6%

Note: Utilities include electricity, gas and water.

• Complimentary room upgrade facility at selected hotels.
• US$100 hotel credit for staying at over 400 hotels worldwide.

Note: Hotel credit applies to spending 2 consecutive nights at selected hotels.

• User liability is Nil if the fraud is reported within 3 days.

SBI Aurum (4) Full Details

• Spend ₹20 lakh annually – get an Apple gift voucher worth ₹20,000
• Spend ₹12 lakh annually – get a renewal fee waiver
• Spend ₹10 lakh annually – get a Taj Gift Voucher worth ₹10,000
• Spend ₹5 lakh annually – get a Tata CliQ Luxe (Luxury) gift voucher worth ₹5,000
• Spend ₹1 lakh per month – get a Tata CliQ Gift Voucher of ₹1,500
• Book My Show benefits worth ₹1,000 every month

A dedicated concierge service to fulfil all your needs and offer expert assistance

• 4 Reward Points per ₹100 spent
• Reward Rate: 1% to 3%
• 16 free Golf rounds per year and 50% off on subsequent visits (capped to one per month)
• 12 free Golf lessons per year
• 40,000 reward points ~ ₹10,000
• Club Marriott Membership with discounts on room tariffs, restaurants and spa services at Club Marriott Hotels in India
• Digital Membership for Mint and WSJ

Fuel Surcharge Waiver with a capping of ₹400 per statement cycle

• Unlimited international airport lounge access across 1000+ airports by Dream Folks with 1 free access to guests every quarter
• 4 domestic lounge access per quarter

2 flight cancellation refunds per year from any airline

IndusInd Bank Indulge (4) Full Details

• Earn 1.5 reward points for every spent using the card.
• 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends.
• Reward Rate: 0.7% to 1.5%
• Assistance for hotel/flight bookings is available 24x7 for IndusInd Indulge Credit Card
• Phone: 1860 267 7777
• Email: [email protected]
• Personal air accident cover  worth  ₹2.5 crores in a matter of loss of life
• Loss of card liability protection (applicable from 48 hours before reporting)
• Buy one movie or non-movie ticket on BookMy Show and get another ticket free.
• It can be availed maximum 3 times per month, maximum ticket price capped at ₹700 with an additional discount of  ₹50 for the F&B option.
• 25% discount on non-movie tickets on BookMyShow.
• Save ₹3,000 on dining bills twice per year.
• 6 complimentary visits to domestic lounges per quarter via Visa lounge access program.
• Priority Pass members have unlimited access to international lounges every quarter.

HDFC Diners Club Black (4) Full Details

25% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

With the HDFC Bank Diners Club Black Credit Card , you can change your large purchases into smaller monthly payments after you buy them.

Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.  For Domestic Lounges, click here. For International Lounges, click here .

All Diners Black card members can select any two monthly milestone benefits from a choice cult.fit Live 1- month subscription or BookMyShow or TataCLiQ or Ola cabs vouchers worth ₹500 every month provided your net spend ₹80,000 in a calendar month.

Find and book your flights and hotels easily! You can choose from over 150 airlines and various hotels in India and abroad at smartbuy .

Get 6 free golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide on Diners Black Credit Card. For Domestic Golf Courses details, click here . International Golf Courses, click here

Exclusive discounts at leading spas, salons, gyms and other wellness retreats . Click here to view details.

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Call: 1800118887 / Landline - 022 42320226

• Emergency overseas hospitalisation: ₹50 Lacs
• Travel Insurance Cover of up to ₹55,000 on baggage delay  (Capped to 10$ per hour restricted to 8 hours)                                                                 
• Credit Liability Cover of up to ₹9 Lakh

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹1000 per statement cycle )

• Earn 5 Reward Points for every ₹150/- retail spent.
• Upto 10X Reward Points on spends via SmartBuy.
• 2X Reward Points on weekend dining.
• Reward Rate- 3.3% to 33%.

Free annual memberships of Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier and Amazon Prime on payment of the joining fee or by spending ₹1.5 lakhs within the first 90 days.

Induslnd Bank Platinum Visa (3.9) Full Details

A complimentary Priority Pass membership , which gives access to over 1,000 lounges worldwide.

• Get coverage for accidental air death, lost baggage, delayed baggage, loss of passport, lost ticket and missed connection.

The coverage amounts range from ₹25,000 to ₹1,00,000.

• Assistance for hotel/flight bookings is available 24x7 for IndusInd Platinum Visa Credit Card.
• Get 4 complimentary golf games and 4 lessons per year. 
• Access to Auto Assist services such as roadside repair, emergency fuel supply, and emergency towing assistance.
• Exciting offers and deals on premium brands such as Montblanc, Vero Moda, ALDO, and William Penn. 
• Receive Luxe Gift Cards , Amazon gift cards, and Apollo Pharmacy gift cards.

Earn 1.5 reward points for every ₹150 spent. 

Reward Rate:  0.5% to 1.5%

1% waiver on fuel surcharge at all petrol pumps across India 

Note - It applies for all transactions between ₹400 and ₹4000.

Kotak Royale Signature (3.5) Full Details

2 Complimentary visits every quarter to “Dream Folks Lounges” in India.

Railway Surcharge Waiver on all the transactions done on IRCTC Website.

Note: Maximum waiver allowed in an anniversary year is ₹500.

• 10,000 Reward points on spend of ₹4 lakh.
• 30,000 Reward points on spend of ₹8 lakh.

Fuel Surcharge Waiver on all transactions between ₹500 and ₹3,000.

Note: Maximum waiver allowed in an anniversary year is ₹3,500.

• 4X reward points for every ₹150 billed to the card for special categories like dining, travel, air tickets, and international spends.
• On all other categories, 2X rewards are offered.
• Reward rate: 0.6% to 1.5%

Citi Bank PremierMiles (3.5) Full Details

Redeem miles points for flight bookings , transfer them to partner airlines and hotels, or double rewards as a member of an airline's frequent flyer program.

• Personal accident insurance cover worth ₹1 crore and a lost card liability cover worth ₹10 lakh . 
• The insurance applies only in case of loss of life due to an air accident, and only the primary cardholder is covered.

Reward Rate: 1.8%

Savour the finest flavours with up to 20% off on dining bills at select partner restaurants.

Receive 10,000 miles as a welcome benefit  if you spend ₹1,000 or more on your Citi PremierMiles Card within 60 days of card issuance. This offer is not applicable if the card is closed due to inactivity within 30 days of card issuance.

• Personal concierge services with the Citi PremierMiles Card - plan parties, send gifts, make reservations, and more with ease.
• Phone: 1800-114-999
• Email: [email protected]. 
• 6 domestic lounge access/quarter with MasterCard variant.
• 8 domestic lounge access/quarter with Visa Signature variant.

Frequently Asked Questions

1. what are travel credit cards.

Travel credit cards are credit cards that offer rewards or benefits for travel-related expenses such as flights, hotels, and car rentals.

2. What are the best travel credit cards in India?

The best travel credit cards in India vary depending on individual needs and spending habits. Some popular options include the HDFC Regalia Credit Card, American Express Platinum Travel Credit Card, and the Axis Bank Miles & More World Credit Card.

3. What benefits do travel credit cards offer?

Travel credit cards offer benefits such as reward points, airline miles, lounge access, and travel insurance for travel-related expenses.

4. How do travel credit cards work?

Travel credit cards work by offering rewards or benefits for travel-related expenses such as flights, hotels, and car rentals made using the card. These rewards can then be redeemed for various benefits such as airline tickets, hotel bookings, or upgrades.

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Best Travel Credit Cards in India 2024: Enjoy Exclusive Benefits and Rewards

• March 15, 2024

Simran Kaur

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Why is it important to travel with a credit card?

Also Read:- Unlocking the Benefits of Credit Cards: Convenience, Security, and More

Top Best Credit Card in India 2024

1. club vistara idfc first credit card.

• Cardholders receive complimentary Vistara tickets as per the travel expenses.
• Cardholders get access to priority pass lounges worldwide. It gives a comfortable and convenient travel experience.
• Additional benefits will be priority check-in, extra baggage allowance and an exclusive discount on travel expenses.
• Cardholders can earn Club Vistara Points (CVP) on every transaction, which can be redeemed for tickets, hotels, etc.

2. Air India SBI Signature Credit Card

• Cardholders get a welcome bonus in the form of Air India vouchers on the activation of the card.
• Cardholders can get a complimentary domestic air ticket from Air India to travel in India.
• Cardholder can earn Air India Miles on every transaction, which can be used to redeem tickets, lounge, etc
• It offers complimentary membership to domestic and international airport lounges with the Visa Lounge Access program.
• Additional benefits will be a discount on hotel booking, dining or lifestyle expenses.
• There is complimentary air accident insurance and travel insurance for a safer travel experience.

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3. InterMiles HDFC Signature Credit Card

• InterMiles HDFC Signature Credit Card provides a welcome bonus on the activation of the card from InterMiles
• It provides Intermiles points on every transaction, later which can be used for flight tickets, hotel, food, car rental, etc.
• It provides complimentary access to domestic and international airport lounges through the Mastercard Lounge Access program.
• It also contains travel insurance coverage like any medical expenses, air accidents, etc.
• Additional benefits can be a discount on flight booking, hotel booking, etc.

4. Kotak IndiGo Ka-ching 6E Rewards XL Credit Card:

Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is a co-brand credit card provided by Kotak Mahindra Bank and IndiGo Airlines. They provide several benefits to the cardholder for a better travel experience-

• They provide an attractive welcome bonus to the cardholder when they activate their card.
• There are complimentary domestic air tickets, priority check-in, and additional baggage allowance when booking flights with IndiGo Airlines.
• You can earn 6E Rewards on every transaction which can be used for free flight booking, hotel stay, shopping and more.
• There is complimentary access to domestic and international airport lounges with the Visa Lounge Access program.
• Cardholders can get air accidents and travel insurance for a peaceful travel experience.
• There is an extra discount if the cardholder pays their bill with this credit card.

5. Axis Atlas Credit Card:

Axis Atlas Credit Card is a premium credit card by Axis Bank. It is a special card which offers a better travel and lifestyle experience to the cardholder.

• It provides welcome bonuses like bonus reward points and cashback on the activation of the card.
• Cardholders can get complimentary access to airport lounges worldwide. You can use this service during layovers and waiting for flights.
• Earn points on every transaction while paying for dining, shopping or travel expenses.
• They provide special discounts on most of the restaurants, cafes and dining outlets to save money.
• There is complimentary insurance coverage in the travel and medical category.
• It provides exclusive privileges such as concierge services, golf access, movie ticket discounts, and lifestyle vouchers.
• Cardholders can enjoy contactless payment technology with this credit card.

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6. Yatra SBI Card:

Yatra SBI Card is a co-brand credit card provided by the SBI Bank and Yatra.com.

• Cardholders can get 6x reward points on using the Yatra SBI card on any type of payment.
• There is an attractive welcome bonus like a discount or cashback on activating the card.
• There is an additional discount on flight booking, hotel booking, package and activity booking from the yatra.com website.
• They exclusively provide the fuel surcharge at petrol pumps across India when paying with the Yatra SBI Card. It helps to save money on fuel expenses.
• For quick and secure transactions, they provide a contactless payment option.

7. Axis Bank Vistara Signature Credit Card:

Axis Bank Vistara Signature Credit Card is a premium co-brand credit card by Axis Bank and Vistar. It is one of India’s leading full-service airlines.

• Exclusive welcome bonus on activation of credit card like cashback, etc.
• There are milestone benefits such as complimentary flight tickets, bonus points on using credit card
• Exclusive discount on the partner restaurants, hotels, spas, and lifestyle outlets, etc.
• There is insurance available for air accidents, baggage loss, medical emergencies, etc.

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1. Why is it important to travel with a credit card? – Credit cards offer secure payments, eliminate the need for constant cash conversion, and provide travel benefits.

2. What benefits does the Club Vistara IDFC FIRST Credit Card offer? – Benefits include complimentary Vistara tickets, priority pass lounge access, priority check-in, extra baggage allowance, and Club Vistara Points.

3. What are the advantages of the Air India SBI Signature Credit Card? – Benefits include welcome bonuses, complimentary domestic air tickets, Air India Miles, lounge access, discounts on hotel and dining, and insurance coverage.

4. What perks does the InterMiles HDFC Signature Credit Card provide? – Perks include welcome bonuses, InterMiles points, lounge access, and travel insurance coverage for medical expenses and air accidents.

5. What benefits come with the Kotak IndiGo Ka-ching 6E Rewards XL Credit Card? – Benefits include welcome bonuses, complimentary domestic air tickets, priority check-in, additional baggage allowance, 6E Rewards, lounge access, and insurance coverage.

6. What features does the Axis Atlas Credit Card offer for travelers? – Features include welcome bonuses, lounge access, rewards on transactions, discounts on dining, and travel and medical insurance coverage.

7. What advantages does the Yatra SBI Card offer? – Advantages include 6x reward points, welcome bonuses, discounts on flight and hotel bookings, fuel surcharge waiver, and contactless payment.

8. What benefits does the Axis Bank Vistara Signature Credit Card provide? – Benefits include welcome bonuses, milestone benefits, discounts on partner establishments, and insurance coverage for air accidents, baggage loss, and medical emergencies.

9. How can I choose the best travel credit card for my needs? – Consider factors like rewards, lounge access, insurance coverage, welcome bonuses, and discounts to choose the card that aligns with your travel preferences.

10. Are there any additional fees associated with travel credit cards? – Some cards may have annual fees, foreign transaction fees, or other charges. It’s essential to review the terms and conditions before applying. Also Read:-

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Credit Cards for Travel: American Express® Travel Rewards Cards

Whether it is an upcoming business meeting, or your next vacation, American Express travel cards have your back. Make your travels easy with a host of privileges and offers such as premium lounge access, free checked bags, priority boarding and so on. We make every effort to ensure that your journey is a reward in itself. 

Earn Rewards on Travel

Travel Rewards Card Highlights

What do you want from a Card?

Compare Amex Cards

Rewards you can earn on your travel

Travel credit cards come with a variety of travel benefits Some key benefits that you can expect from your travel credit cards in India are:

• Rewards Point Earn Reward points and redeem them for exciting gifts or for booking air tickets in the future. 
• Lounge Access & Dining Offers See yourself waiting at the airport? Relax at the premium lounges while you wait to fly. 

American Express® Platinum Travel Credit Card

Welcome Gift 1 of 10,000 Membership Rewards Points redeemable for Flipkart 2 voucher or Pay with Points option in Amex Travel Online 3 , worth Rs. 3,000

First Year Fee Rs. 3,500 plus applicable taxes (Second Year onward: Rs. 5,000 plus applicable taxes)

• Spend * Rs.1.90 lacs in a cardmembership year and get 15,000  Membership Reward points redeemable for Flipkart 2 voucher or Pay with Points option in Amex Travel Online 3   worth Rs. 4,500.
• Spend * Rs. 4 lacs in a cardmembership year and additionally get 25,000 Membership Rewards points redeemable for Flipkart 2 voucher or Pay with Points option in Amex Travel Online 3 worth Rs. 7,500. Also get a voucher worth Rs.10,000 (non-transferable) from the Taj Group
• 8 complimentary visits per year (limited to two complimentary visits per quarter) to airport lounges across India

Terms and Conditions apply. 

American Express Travel Rewards Credit Card offers you more than just rewards on travel. Collect Membership Rewards points every time you use your American Express Travel Rewards Card.

American Express Travel Rewards Credit Card offers you:

• Platinum Lounge Access: Enjoy 8 complimentary visits per year (limited to two complimentary visits per quarter) to airport lounges across India.
• Priority Pass: Enjoy complimentary membership to Priority Pass, with the annual membership fee waived off exclusively for you.
• Platinum Services: Enjoy a host of privileges and services that come with your American Express Card.

Services offered by American Express

American Express Travel Rewards Credit Card offers you a range of services:

24x 7 Platinum Assist

Our dedicated support team is available to take your call from anywhere in the world 24x7. Call our dedicated Toll-Free Helpline Numbers in over 60 countries. We are also available online, via email, SMS, and through the post. We will do the best we can and at the earliest.

Zero Lost Card Liability*

You don’t have to worry if your card is lost or stolen. As a Platinum Card Member, your liability will be ‘nil’ if you report the matter immediately. In case you are unable to register a report within three working days, your liability will get limited to a maximum of Rs.1000 only. Refer to  MITC  for further details. 

Emergency Card Replacement

In case of a lost, stolen, or damaged card, notify the Platinum Corporate Card Services Helpline while in India or the American Express Travel Service Offices or Network Locations if you are travelling overseas. A replacement card will be delivered, usually within two business days, free of charge, anywhere in the world. 

Online Fraud Protection

Transact with your American Express Platinum Card without fear. Our early detection systems monitor potentially fraudulent activity. Our Fraud Protection Guarantee means that in the unlikely event you are a victim of card fraud and you have taken reasonable care with your card, you will not be liable for any costs linked to the fraudulent activity.

Contactless Payments

Contactless Payments is an easy and convenient way for you to use your American Express Card for purchases that are less than Rs.2,000. To make a Contactless purchase, touch your card on the front of the specially marked American Express Contactless reader. You will not need your Personal Identification Number (PIN) or signature. 

International Card Accepted Worldwide

You don’t have to worry if your card would be accepted when you travel worldwide  .

Shop, dine or spend on almost anything when you’re travelling with our cards. American Express Travel cards are accepted worldwide wherever you go. 

 1. Welcome Gift for American Express® Platinum Travel Credit Card is available only in the 1st year on payment of the annual fee and on spending INR 15,000 within 90 days of          Cardmembership. 2. For Flipkart voucher Terms and Conditions,  Click here 3. For Travel booking Terms and Conditions,  Click here

*  Eligible spends do not include cash advances, express cash transaction, draft made from the account, balance transfer, fees and is net of any returns.

Best Travel Credit Cards in India for 2024

Credit cards have emerged as essentials that not only make financing easy but also open a world of perks, especially for travel enthusiasts. With the advent of travel credit cards, jet-setting across the globe has become a more rewarding experience. Let us explore the top 10 travel credit cards in India for 2023, highlighting their unique features and benefits.

Top 10 travel credit cards in India 2024

Among the myriad choices, Bajaj Finserv stands out with an impressive line-up of co-branded credit cards , each offering a distinctive set of benefits. Here is an overview of popular co-branded credit cards offered by Bajaj Finserv:

Common benefits of a travel credit card

Whether you choose a Bajaj Finserv co-branded credit card or another option, travel credit cards often come with a host of common benefits. These include:

• Reward points: Earn points for every transaction, which can be redeemed for flight tickets, hotel stays, and more.
• Travel insurance: Many travel credit cards offer insurance coverage, including lost baggage and trip cancellations.
• Airport lounge access: Access to airport lounges provides a touch of luxury and comfort during your travels.
• Zero foreign transaction fees: Enjoy spending abroad without incurring additional fees.

Benefits of having a travel credit card in India

Owning a travel credit card is like having a passport to a world of privileges. Apart from the common benefits mentioned above, a travel credit card offers:

• Exclusive discounts: Enjoy special discounts on flights, hotels, and travel-related expenses.
• Dining benefits: Some travel cards offer discounts and complimentary meals at partner restaurants.
• Priority pass membership: Gain access to a network of airport lounges worldwide with a priority pass membership.

Bajaj Finserv co-branded credit cards offers a range of benefits that make your life hassle-free. You can click here to apply now and enjoy the credit card benefits .

Tips to find the right travel credit card

Choosing the right travel credit card can be a game-changer for your travel experience. Consider the following tips:

• Evaluate your travel habits: Choose a card that aligns with your travel frequency and preferences.
• Check for additional fees: Be aware of annual fees, interest rates, and other charges associated with the card.
• Review rewards program: Ensure the rewards program suits your lifestyle and provides valuable benefits.

Things to consider when comparing travel credit cards

When comparing travel credit cards, delve into the details such as:

• Lounge access: Assess the number of complimentary lounge visits offered.
• International acceptance: Confirm the card's acceptance in the countries you frequently visit.
• Reward redemption options: Check the flexibility and options for redeeming earned rewards.

What are the do's and don'ts of travel credit cards?

Here are some do's and don'ts to keep in mind:

• Pay your bills on time: Avoid late payment fees and interest charges by paying your bills promptly.
• Monitor your expenses: Keep track of your spending to stay within your budget.
• Maximise rewards: Understand the rewards program and maximise your benefits by using the card strategically.
• Do not ignore terms and conditions: Familiarise yourself with the terms and conditions to avoid unexpected surprises.
• Do not carry any balance: Pay the full balance each month to avoid accumulating interest charges.
• Do not overlook security: Keep your card details secure to prevent unauthorised transactions.

How to apply for travel credit card online?

Apply for a travel credit card online is easy and convenient. Follow the below simple steps:

• Visit the official website of the credit card issuer.
• Go to the 'Apply Now' or 'Credit Cards' section.
• Fill in the online application form with personal and financial details.
• Upload necessary documents.
• Review the application and submit.

Eligibility criteria for applying for credit card

Here are some common prerequisites you need to fullfill when applying for credit.

• The applicant must be of a minimum age of 21 years.
• The applicant should have a stable source of income.
• The applicant should have good credit score or as defined as the credit card provider/ bank.
• The applicant must hold Indian nationality.

Documents required to apply for credit card

Here are some of the commonly asked documents when applying for credit card.

• Identity proof (Aadhaar Card, passport).
• Address proof (Utility bill, rental agreement).
• Income proof (Salary slips, IT returns).
• Passport-sized photographs.

In conclusion, the travel credit cards, including those offered by Bajaj Finserv, are crafted to elevate your travel experiences. These credit cards offer a seamless blend of convenience, rewards, and exclusive privileges. Choose wisely and let your credit card be your trusted companion as you explore the world.

While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us .

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Frequently asked questions

The best card for travel is often a credit card designed for international use. Look for one with low foreign transaction fees, widespread acceptance, and additional travel perks like travel insurance and rewards.

For travel to India, consider credit cards with international acceptance, low currency conversion fees, and rewards suitable for your travel needs. Popular choices often include globally accepted credit cards from major providers.

Using a card is generally more convenient and secure when travelling. It reduces the need to carry large amounts of cash, provides a record of transactions, and offers additional security features. However, having some local currency in cash for small expenses is advisable.

Yes, travel cards, especially those with a Visa or Mastercard logo, can often be used in ATMs to withdraw local currency. Be aware of any associated fees for ATM transactions and currency conversion.

The best way to pay while travelling is a combination of cards and local currency. Use a credit card for larger expenses, ensuring it offers travel benefits. Keep some local currency for small purchases, places that may not accept cards, or where cash is more convenient. This approach provides flexibility and security during your travels.

Travel credit cards offer a range of benefits, including rewards for travel-related expenses, travel insurance, access to airport lounges, no foreign transaction fees, and bonus rewards for new cardholders. Some credit cards also offer travel-related perks such as rental car insurance and baggage delay insurance.

Credit cards are generally better for travel as they offer better fraud protection, rewards for travel-related expenses, and provide more security features such as EMV chips and PIN entry. Debit cards also work when traveling, but they may not offer the same level of protection against fraud and transaction errors.

Some travel credit cards charge annual fees, but there are also many travel credit cards available for free. However, free travel credit cards may have lower rewards or fewer benefits than those with annual fees.

A travel card, also known as a prepaid travel card, is a prepaid debit card that can be loaded with foreign currency and can be used to make purchases abroad. A travel credit card, on the other hand, is a credit card that offers rewards and benefits for travel-related expenses. Travel credit cards usually offer points or miles for every dollar spent on travel-related expenses, such as flights and hotel stays, which can be redeemed for more travel-related expenses or cashback.

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7 best travel credit cards in India: Check annual fees, key benefits, more

While co-branded travel cards align with specific airlines or travel portals, general travel cards also pack a punch with their comprehensive travel benefits. here's a look at 7 best credit cards in india.

By Anshul     February 7, 2024, 12:32:13 PM IST (Updated)

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Credit Card Points: 5 best ways to make every reward count

Credit cards provide reward points for both online and offline transactions, along with cashback and travel benefits. with banks introducing more products and features, competition among issuers has intensified, leading to better rewards and benefits for customers..

Gone are the days when credit cards were only used for big purchases, to be paid off at one’s convenience or in EMIs. Nowadays, banks and credit card issuers offer several features to lure customers. When selecting a credit card, choose one that aligns with your spending habits and requirements. Credit cards provide reward points for both online and offline transactions, along with cashback and travel benefits. With banks introducing more products and features, competition among issuers has intensified, leading to better rewards and benefits for customers.

Here are five ways to make the most of your credit card rewards:

Choose cards that match your spending habits

Select cards that align with your lifestyle and spending patterns. With numerous issuers and cards available, assess your needs to see which card will earn you the most reward points based on your spending habits. For example, frequent diners should opt for cards offering cash vouchers and cash back on dining at restaurants. Likewise, frequent travelers can benefit from cards that offer extra points or cash back on travel expenses.

Also Read: When is the right time to increase your credit card limit?

Know how the point system works for reward maximisation

You can only get the most of your credit cards only when you have better understanding of how the whole credit card point system works. Different cards have different ways of calculating reward points on your spendings. Some cards follow a simple rewards system, while others are bit complicated when it comes to their calculation of reward points and benefits offered. Keeping in view all of this, it becomes important to know where your credit card spending can give you the most value. It is always good for a customer if he picks cards with easy-to-understand reward point system, as it makes easier for you to to get the most benefits.

Explore the reward catalogue

Take a look at the reward catalogue of potential credit cards to understand the available redemption options. Some cards offer gift vouchers on spending for everyday items, while others provide access to premium products. Select a card with a catalogue that suits your preferences and needs. Most banks provide access to their credit card reward catalogues on their websites, including exclusive co-brand catalogues with select partners and merchants.

Time your redemptions right

Keep an eye out for special deals and promotions from merchants partnered with your credit card issuers. Timing your reward point redemptions during promotions can earn you bonus rewards, discounted redemption rates and exclusive deals. Plan your redemptions carefully to maximize the benefits of these promotions.

Use your card for bill payments and pay in full every month

Use your credit card for bill payments and everyday purchases to maximize your reward points. However, avoid overspending solely for the sake of earning rewards. It’s crucial to pay off your entire balance each month to prevent accumulating debt. While carrying a revolving balance may earn you some reward points, it often results in unnecessary credit card interest payments.

In conclusion, by following these five tips, you can optimize your credit card rewards and make the most out of every point you earn. With careful planning and responsible usage, you’ll regularly enjoy exciting rewards such as cashback, discounts, vouchers and other offers.

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Here's what the Credit Card Competition Act could do to your airline miles and travel rewards

• The Credit Card Competition Act would lower credit card swipe fees.
• Major airlines have said that the bill could reduce or completely end travel reward programs.

When Jess Bohorquez stayed in a luxury hotel with a view of the Sydney Opera House, she didn't pay a cent.

The influencer and creator of "Points By J," a platform that teaches people tricks for low-cost travel, said she uses credit card points to upgrade her vacations and teaches her audience of over 180,000 Instagram followers to do the same.

Since she started accumulating travel points a few years ago, Bohorquez told Business Insider she's gotten discounted flight upgrades, free hotel stays , and trip insurance through her Chase credit card. She even has access to premium lounges at most airports.

"It gets you hooked once you have that first successful points deduction for free travel," said Bohorquez, adding that it's easy to get perks if you know the rules of your credit card. "It's such an exciting feeling."

However, those perks could be in danger of disappearing. The US credit card market is at a crossroads : Politicians and companies are struggling to compromise on how much card swipe fees should cost, who should get the money, and how all of it will impact consumers.

More than eight in 10 Americans use a credit card to make payments, get cash back, and build credit, according to The Federal Reserve . About 40% of those people have a card that is co-branded with a major airline.

Some lawmakers hope to bring more competition to the market, in hopes of limiting the power of major credit card companies and lowering fees. But airlines and travelers worry it could mean the end of rewards programs .

Major airlines' bottom line depends on credit card companies

The Credit Card Competition Act , which was introduced to Congress in June 2023 would require major banks to use at least one credit card payment network that isn't Mastercard or Visa — companies that control more than 80% of US credit card transactions — to introduce more competition into the credit card market.

Visa and Mastercard currently charge businesses about a 3% transaction fee when a customer uses their credit card. The more people that use a credit card, the more revenue banks and card companies make.

That's where airlines come in.

Airlines make money off selling tickets and offering in-flight purchases. But co-branded credit cards like Chase Sapphire Preferred, Delta SkyMiles, and the United Explorer Card are profit centers for banks and airlines.

The airlines sell banks "points." Credit card holders are then awarded those points for spending money with the co-branded card. Banks and credit card companies make money off of the swipe fees, and airlines only have to pay for the points if they are actually redeemed by travelers. It also makes travelers more likely to choose their specific airline whenever they fly.

Sen. Dick Durbin , a Democrat from Illinois, is the lead sponsor of the Credit Card Competition Act. In a statement to Business Insider, he said the bill would introduce necessary competition into the credit card market.

Durbin worries that major airlines are becoming like "credit card companies that fly planes."

"(Airlines) want to protect the billions of dollars in windfall profits they collect through sweetheart deals they have negotiated with the biggest Wall Street banks at the expense of consumers and local businesses," he wrote.

Durbin said his bill would not end travel rewards.

Credit card rewards incentivize travelers

Businesses typically make up for these credit card swipe fees by raising prices for customers . In theory, increasing competition and lowering swipe fees would translate into more affordable consumer prices.

This could mean cheaper — or at least more stable — prices for buyers, per NerdWallet .

Bohorquez, however, said increased credit card competition is unlikely to lower prices in practice. Instead, she said business airlines and credit companies will be less incentivized to offer loyalty perks like frequent-flyer miles and fraud protections.

Major airlines have already said the Credit Card Competition Act could end these reward programs. Southwest Airlines said in a statement to BI that it "strongly opposes" the bill.

"This legislation is bad policy and would undermine, if not completely end, credit card rewards programs that millions of Americans rely on for their vacations or personal travel needs," Southwest wrote.

United Airlines referred BI to Airlines for America, a lobbying group that represents the US airline industry. Delta and American Airlines did not respond to BI by the time of publication.

Airlines for America said in a press release from July that airlines believe credit card competition would harm their "ability to reward our most enthusiastic customers' loyalty and putting the viability of these programs at risk."

Still, it's unclear whether the Competition Act will become law. The bill was referred to the Committee on Banking, Housing, and Urban Affairs in July, but hasn't yet been passed by the House or Senate.

Until more movement on the bill occurs, Bohorquez plans to make the most of her rewards.

"I'm not terribly worried about our points going anywhere anytime soon," she said. "I hope that people continue to earn and enjoy their credit card points and take a lot of free trips."

Do you use your credit card for travel rewards? Have you saved money on a vacation by using points? Reach out to this reporter at [email protected] .

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How a Travel Credit Card Can Be Your Ticket to Big Savings

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Next time you're planning a vacation, a travel credit card could defray some or all of the costs if it packs the right incentives. Typically, cards with higher annual fees provide the most value with perks like ongoing rewards, free checked bags, airport lounge access or other benefits. But even cards with low or no annual fees make it possible to earn some value toward travel, if you can qualify.

These cards generally require good credit (scores of 690 or higher), and even if you're eligible, it's not worth pursuing one if you can't pay off the credit card bill in full every month to avoid steep interest charges. And if you're working toward paying down existing debt, it might not be worth chasing points and miles until you've made progress on that front.

But as long as travel credit cards align with your financial goals, their potential savings merit consideration — even if you travel just once or twice per year. Explore the flexibility of a general-purpose travel credit card to book travel anywhere, or a branded credit card to book travel with a favorite hotel or airline. Either option may offer money-saving benefits toward your next trip.

Valuable features can lower costs

Offers will vary among general-purpose travel credit cards and airline- or hotel-branded credit cards, but some savings opportunities may include:

If a credit card offers a lengthy list of perks, the value can quickly add up. Here are some features to look out for:

A sign-up offer: Travel credit cards generally come with lucrative sign-up offers that let new cardholders earn a pile of points or miles by meeting a minimum spending requirement. It’s easier to snag if you can strategically time a credit card application around planned purchases during a heavy-spend month or season.

Free checked bags: Some airline credit cards offer free checked bags , which can add up to real savings when applied per person on a round trip. This is one way that Doug Figueroa, a content creator at the YouTube channel Zorito y Doug, makes up the cost of the $150 annual fee on an airline credit card. “The savings are $70 round trip per passenger listed in the same reservation,” he says. 

TSA or Global Entry credit : Some travel cards issue a credit (up to $100) when you use them to pay for a TSA or Global Entry application fee. These expedited airport security screening programs can save time while traveling.

Travel credits: Depending on the card’s terms, travel credits may be used to save money on a variety of travel expenses like rideshare services, airfare or accommodations. 

Airport lounge access: You can skip the pricey airport food with some travel credit cards that offer complimentary airport lounge access . Austin Maxwell, a South Carolina-based content creator at the blog The Maxwells Travel, uses a travel credit card to avoid those costs. “I’m saving $20 to $30 every time I go to the airport because I don’t have to buy food or drinks during a layover or preflight,” he says.

A companion ticket: Some airline credit cards cover the cost of a ticket for a friend or family member. Depending on the card's terms, you may have to pay taxes and fees on the fare, the companion ticket may have an expiration date and/or a spending requirement may apply.

Automatic elite status: You may earn elite status without much effort on some hotel-branded credit cards. Elite status can add up to valuable savings if the program offers free food, bonus points or suite upgrades.  

Free nights: If your favorite hotel has a branded credit card that offers annual free night awards, it can stretch your vacation budget. 

Protections and other benefits

A travel credit card that offers trip delay or cancellation insurance, lost baggage insurance, rental car coverage or other protections may also be of value to you. To qualify for these benefits you typically need to pay for the trip or covered purchase with the eligible credit card. Read the terms carefully to understand the extent of your coverage.

Figueroa says he saved $90 over three days with his card’s primary rental car coverage on a trip to Miami.

“Once you make the online reservation, you must decline all insurance offered by the rental company and pay for everything with your [card],” he says.

High-value reward redemptions

Points or miles on some travel credit cards might lose value if they are used for non-travel redemptions like cash back, gift cards or other options. Travel redemptions typically offer the best value, and you might squeeze out even more value with a general-purpose travel card that allows points to transfer to airline or hotel partners. It’s a strategy that Maxwell uses often to his advantage.

“It’s even better if there’s a transfer bonus associated with that," he says. "Credit card companies offer transfer bonuses — 15%, 20%, 30% bonus — if you are to transfer points to a specific airline.”

He says he has also transferred points to hotel partners to book hotel rooms with them. “It would be the equivalent of getting a hotel room at $120 that’s actually valued at $500,” he adds.

To determine whether to redeem rewards for travel or transfer them to a partner, compare costs by checking the credit card’s booking platform and the partner’s website. Also factor in whether rewards transfer on at least a 1:1 ratio, meaning that you'll get the equivalent value in points or miles transferred.

On a similar note...

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Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Best travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Travel credit cards make it possible for you to earn free and discounted travel with your everyday spending. What's more, some of the best travel credit cards also offer valuable perks that elevate your trip experience.

At the same time, each card has its own set of rewards rates, intro bonuses, annual fees and other terms, so take your time picking one that aligns well with your travel and spending habits.

The best travel credit cards of April 2024

• Best premium card: Capital One Venture X Rewards Credit Card

Best flat-rate rewards card: Capital One Venture Rewards Credit Card

• Best mid-range card: Chase Sapphire Preferred ® Card
• Best for lounge access: The Platinum Card® from American Express
• Best for airline loyalists: United Explorer Card
• Best for hotel loyalists: IHG One Rewards Premier Credit Card
• Best $0 annual fee travel card: Bilt Mastercard

Best 0% intro APR card: Capital One VentureOne Rewards Credit Card

• Best for earnings: U.S. Bank Altitude® Connect Visa Signature® Card

Best for fair credit: Credit One Wander

• Best for credit building: Capital One Quicksilver Secured Cash Rewards Credit Card

Best premium card: Capital One Venture X Card

The Venture X packs a lot of travel rewards into a card that costs hundreds of dollars less than its competitors.

Why we like it: The Capital One Venture X Rewards Credit Card offers rich rewards and travel perks, and unlike many other premium travel credit cards, the Venture X doesn't make you jump through many hoops to earn back the cost of its steep annual fee. In addition to a Capital One Travel credit and bonus miles each year, you'll also get complimentary access to a number of airport lounge networks with more than 1,300 locations around the world. 

The card also offers ultimate flexibility when it comes to redeeming your rewards for travel. You can book with miles through Capital One Travel, or if you want more options, you can use your card to pay for travel-related expenses and request a statement credit. If you're feeling ambitious, you can even transfer your rewards to various frequent flyer and hotel rewards programs and potentially get more value from your miles.

The Venture Card puts the power into your hands by earning miles that you can either use against your travel purchases or transfer to travel partners.

Travel rewards can get complicated, which is why the Capital One Venture Rewards Credit Card feels like a breath of fresh air. The card offers a high, flat rewards rate on your everyday spending, so you don't need to keep track of different bonus rewards categories. It also offers extra miles on select travel booked through the Capital One Travel platform.

You can redeem your miles by booking travel through Capital One Travel or by using your card to pay for travel on your own and requesting a statement credit. Alternatively, you can transfer your miles to airline and hotel rewards program partners for more dynamic redemptions. The card also comes with complimentary Hertz Five Star status, which lets you skip the rental counter and get access to a wider selection of vehicles. When you use it to pay the application fee for Global Entry or TSA PreCheck, Capital One will reimburse you.

Best mid-level card: Chase Sapphire Preferred ® Card

The Chase Sapphire Preferred offers both robust earnings on travel and a useful suite of travel protections. Plus, Chase's dozen-plus transfer partners offer flexibility in travel redemptions.

Why we like it: If you're looking for a way to maximize your travel rewards without paying a steep annual fee, look no further than the Chase Sapphire Preferred ® Card . The card offers an impressive welcome bonus and several opportunities to earn bonus points on your everyday spending. Annual perks include a $50 credit toward hotel stays booked through Chase Ultimate Rewards, a 10% points bonus on your spending throughout the year and benefits with partners like Lyft, DoorDash, Instacart, and Peloton.

The card offers flexible redemption options, including cash back, but you'll get 25% more value if you use your points to book travel through Chase. Alternatively, you can transfer your rewards to one of the card issuer's airline or hotel rewards program partners and potentially squeeze more value out of your points. 

Best for lounge access: The Platinum Card® from American Express 

Why we like this card.

The Platinum Card® from American Express charges an annual fee that some will find hard to stomach. But if you're a frequent flyer, it may well become your favorite travel companion. The card offers access to more airport lounge networks than any other credit card. At larger airports, you may even have your pick among several lounge options. 

The card also comes packed with more than $1,500 in annual travel and lifestyle credits, elite status with select hotel and car rental rewards programs and many other perks that touch just about every aspect of your travel experience. That said, many of the credits are doled out in increments and are for specific vendors, making them harder to redeem.

Pro tip: Credits only have value if you use them in your daily life. If a credit or benefit is causing you to make purchases you don't usually make, you might want to reconsider whether it is worth it for you.

Best for airline loyalists: United SM Explorer Card

The United Explorer card makes sense if you are one of the over 140 million passengers that flew United last year.

Why we like it: If you like the idea of enjoying rewards and perks with an airline rather than general travel rewards and benefits, you can't go wrong with the United Explorer Card . The card offers a sizable welcome bonus and a few different bonus rewards categories, and with a strong domestic and international presence, you'll have plenty of options when it comes to redeeming your miles for award flights.

You'll get some standard airline card benefits, such as a free checked bag for you and a companion, priority boarding, and a discount on select inflight purchases. But you'll also get some perks that most mid-tier airline cards don't offer, including expanded access to Saver award tickets, premier upgrade eligibility on award tickets, two one-time passes to the United Club lounge each year, and an application fee credit toward Global Entry or TSA PreCheck.

Best for hotel loyalists: IHG One Rewards Premier Card

The IHG One Rewards Card offers a free night upon card renewal along with a slew of other benefits, making it well worth the modest annual fee

Why we like it: If you want to focus your efforts on earning free hotel stays, the IHG One Rewards Premier Credit Card offers an impressive array of benefits. The card makes it easy to earn points quickly, though it also requires a lot of points to get free stays with IHG. 

Where it really shines, though, is in its perks, which offer value that far outweighs the card's modest annual fee. You'll get a free night reward each year worth up to 40,000 points, plus a $100 statement credit and 10,000 bonus points if you spend $20,000 in a calendar year. When you stay at IHG hotels, you'll enjoy Platinum Elite status, which includes perks like the fourth night free on award bookings, reward night discounts, complimentary upgrades, and a welcome amenity. You'll also get an application fee credit toward Global Entry, TSA PreCheck, or NEXUS.

Best $0 annual fee card: Bilt Mastercard

The Bilt Mastercard not only has no annual fee, it has a robust set of travel transfer partners. Even better, it lets you earn rewards for paying rent.

Why we like it: While it technically isn't billed as a travel credit card, the Bilt Mastercard®—the only credit card that offers rewards on rent payments—offers travel benefits that are hard to ignore. Most importantly, the card allows you to transfer your points to several airline and hotel loyalty programs, a rare feature for a travel card with no annual fee. You'll also pay no foreign transaction fees and get a few trip protections, including trip cancellation and interruption reimbursement, trip delay protection and auto rental collision damage waiver.

If your vacation plans stretch farther than your budget, the VentureOne has an extended 0% APR period on purchases so you can enjoy the sun without getting burned with interest.

Most travel credit cards don't offer introductory 0% APR promotions, but if that feature is a top priority and you don't want a cash-back card, the Capital One VentureOne Rewards Credit Card may be worth a look. 

The card offers an introductory 0% APR promotion on both purchases and balance transfers, giving you plenty of time to pay off a large chunk or all of a significant purchase or high-interest debt from another card. 

The card's rewards rate isn't very exciting, but it does offer flexible travel redemption options, including access to transfer partners.

Best for earning on travel: U.S. Bank Altitude Connect

If cash back is your preference, the U.S. Bank Altitude Connect has a robust rewards rate on travel purchases plus a selection of perks unusual for a sub-$100 annual fee card.

Interestingly enough, many travel credit cards don't offer great rewards on travel spending unless you're booking through the card issuer's travel portal. If you want a card that offers best-in-class rewards on all of your travel spending, the U.S. Bank Altitude® Connect Visa Signature® Card is your best bet. 

The card also offers great rewards on other everyday spending categories, along with four free visits to Priority Pass lounges each year, an application fee credit toward Global Entry or TSA PreCheck, and an annual bonus when you use your card to pay for an eligible streaming service.

The Credit One Wander card flies under the radar but is worth a look for its strong earnings on travel, dining and gas in addition to its more lenient credit score requirements.

Why we like it: You typically need good or excellent credit to qualify for one of the best travel credit cards, but if you're not quite there yet, the Credit One Bank Wander® Card should be on your radar. The card offers great rewards on select travel purchases and other everyday spending. 

Points can be redeemed in a variety of ways, but to get a consistent redemption rate, statement credits are your best option.

Best for credit building: Capital One Quicksilver Secured Card

You aren't out of options if you need to build your credit score before getting a standard travel card. The Capital One Quicksilver Secured Card is a rewarding option while you get on track.

Why we like it : If you're looking to build or rebuild, you'll be hard-pressed to get approved for a true travel credit card. However, the Capital One Quicksilver Secured Cash Rewards Credit Card can be a solid alternative until you have the chance to establish a good credit score.

The card doesn't charge foreign transaction fees, making it a good choice for international travel, and you'll earn a solid rewards rate on every purchase you make. While you need to make a security deposit equal to your desired credit limit when you get started, you don't have to wait to close your account to get your money back. With responsible use, you can start earning unsecured credit line increases after six months, and you can also qualify for an upgrade to an unsecured Quicksilver card down the road, at which point you'll get a deposit refund.

Our methodology

The Fortune Recommends TM team analyzed more than 50 travel credit cards across various issuers to come up with the top picks.

Here are the key elements we ranked each card by:

• Annual fee: Some card issuers require cardholders to pay an annual fee for cards with rewards and extra features or benefits. For most of our rankings, we rated cards with lower or zero-dollar annual fees higher.  
• Rewards: Travel cards typically provide rewards in the form of points or miles. For some rankings, we rated cards with better rewards rates higher on our list. 
• Insurance and protections: When you use your card to make purchases, you may be eligible for different types of protections on those purchases. Some cards offer insurance on travel-related expenses, like trip cancellation insurance, baggage delay insurance, trip delay reimbursement, and more. Some cards also provide non-travel-related reimbursements like cell phone protection. For some rankings, we rated cards higher based on the number of protections they offered.
• Welcome bonus: When you sign up for a new credit card, you may be eligible for a one-time welcome bonus in the form of points or miles. You’ll need to spend a certain amount within a few months of card opening to earn the bonus. We ranked cards with higher bonuses and lower spending requirements higher on our list. 
• Perks: Travel credit cards may offer a variety of perks—like statement credits for TSA PreCheck, airport lounge access, a free checked bag, and more. We rated cards with more perks higher for some of our rankings. 
• Foreign transaction fees: Some cards charge a flat rate on purchases when you use your card abroad. We rated cards with no foreign transaction fees higher.  

How do travel credit cards work?

Unlike cash-back rewards, which tend to work the same regardless of the card issuer, travel rewards can get complicated quickly. Ultimately, your redemption options and the value of your points and miles will vary depending on the rewards program.

Flexible travel rewards

Flexible travel rewards credit cards offer points or miles through the card issuer's proprietary rewards program. Some examples include Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Capital One Miles. 

With flexible travel rewards, you'll typically get several redemption options, and your rewards are worth a set amount — usually between 0.5 cents and 1.5 cents apiece — depending on how you redeem them. Travel redemptions typically get more value, but that can vary by program.

Many of these programs also allow you to transfer your points to airline and hotel loyalty programs, giving you access to more dynamic redemptions. If you're savvy enough, you could get more value with a transfer partner than if you were to redeem through the card issuer's rewards program.

Airline rewards

Airline miles , or points in some cases, are designed primarily to help you earn award flights with your favorite airline, such as United, Delta , or Southwest. But unlike general points or miles, airline rewards typically don't have a set value. 

In some cases, the number of points or miles required for a flight may be linked to the cash value of the ticket, but they may be unrelated. As a result, the value of your rewards will vary based on your flight dates, itinerary, cabin choice, and other factors. 

In some cases, you may be able to redeem your airline rewards in other ways, but you typically won't get as much value that way.

Hotel rewards

Hotel points allow you to book free hotel stays with a single hotel chain, such as IHG, Hilton, or Marriott. Like airline rewards, hotel points have dynamic value, so your redemption rate will vary based on your destination, the property, your stay dates, and other variables.

Hotel loyalty programs may also allow you to redeem your rewards in other ways, but it's generally best to stick to free nights.

Should you pick a travel credit card?

If you frequently travel or you're looking for opportunities to travel more in the future, a travel credit card can make it easier to earn free or discounted flights, hotel stays, rental cars, and more. 

What's more, some of the top travel credit cards also offer perks that can save you more money or give you a better overall experience at the airport, in flight, or throughout your trip. 

That said, most travel credit cards don't offer as much redemption flexibility as cash-back credit cards. If you're not sure you want to go all in on travel rewards, a cash-back credit card may be a better choice. 

Also, most of the top travel credit cards charge an annual fee. While many of them make it easy to offset that cost with rewards and perks, the fee is still an out-of-pocket cost. If you're on a tight budget or you're generally fee-averse, think carefully about whether you can afford that yearly cost and make sure you can get enough value from a card to make its annual fee worthwhile.

How to choose the best travel credit card

With so many different options available, there's no single travel credit card that's best suited for all travelers. To determine which one is best for you, you'll want to think about your travel habits, spending profile, and general preferences.

Travel habits

Consumers who travel frequently may benefit more from a premium travel card that offers a broad range of perks, while more casual travelers may be better off with a mid-tier or no-annual-fee travel card. 

If you're loyal to a specific airline or hotel chain, it could make sense to get an airline or hotel credit card, but if you don't want to be tied down to a single brand, a general travel card might be the right move.

You'll also want to think about how you travel and which travel card benefits would give you the best experience. For example, if your home airport has one or more airport lounges, it can make sense to get a card that offers lounge access. 

Spending profile

Most travel credit cards offer tiered rewards, meaning you'll earn bonus rewards on certain spending categories. If you spend a lot in certain areas of your budget, try to find a card that will reward you more for those purchases. 

However, if you don't spend a lot in any single category or you don't want to earn a low rewards rate on most of your spending, consider a card that offers a high, flat rewards rate on everything.

General preferences

Consider other features you're looking for in a travel credit card. Options may include transfer partners, straightforward benefits, redemption options, 0% APR promotions, and more. 

As you research and compare travel credit cards, familiarize yourself with all of their benefits to determine which one feels like the best fit based on your needs and preferences.

Frequently asked questions

Which card is better for international travel.

Generally speaking, you'll want a credit card that doesn't charge a foreign transaction fee. With cards that do charge this fee, you'll typically pay an extra 3% on all of your purchases made abroad.

Additionally, Visa and Mastercard credit cards tend to be better for international travel because they're more widely accepted than American Express and Discover credit cards. If you have an Amex or Discover card, consider bringing a Visa or Mastercard as a backup.

Is Visa or Mastercard better for travel?

Mastercard boasts acceptance in more than 210 countries, while Visa says it operates in more than 200 countries. So, if you're traveling to a country that's off the beaten path, so to speak, Mastercard may be a better choice. But for most major international destinations, you're likely fine with either Visa or Mastercard.

What is the best credit card to accumulate travel miles?

Miles have historically been associated with airline frequent flyer programs, but some card issuers, including Capital One and Discover, use the miles nomenclature for their rewards currency. 

With that said, the best miles credit card for you depends on your travel habits and preferences. If you want to earn miles with a particular airline, check out that airline's co-branded credit cards to see which one offers the best fit. If you want more general rewards, consider a card that offers miles or points with more flexible redemption options.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This story was originally featured on Fortune.com

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All About Air India Flying Returns Programme

Air India is the country’s oldest airline company and serves many domestic and international destinations. The airline has an impressive fleet of Boeing and Airbus aircraft serving more than 102 destinations globally across 5 continents. In 2014, the airline became a Star Alliance member, putting it in partnership with some of the largest airlines in the world. Air India’s Flying Returns, its frequent flyer program, is among the region’s most rewarding programs. You earn FR points whenever you fly on an Air India operated or Star Alliance member flight.

Not only do you earn, but you can also redeem your FR points on Air India and partner airline flights. In this article, we will take a look at all the details surrounding the Air India Flying Returns program, including reward earning, status tier, tier benefits, and more.

• Air India SBI Signature Credit Card
• Air India SBI Platinum Credit Card

Axis Bank Magnus Credit Card

Icici bank emeralde private metal credit card, hsbc premier metal credit card, axis bank atlas credit card, best credit cards to earn air india flying returns points.

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Renewal fee, best suited for, reward type.

Reward Points

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The Air India SBI Signature credit card is one of the two co-branded cards offered by SBI in collaboration with Air India. It offers some decent reward points and add-on travel privileges to cardholders. You get a complimentary membership of Air India’s Flying Returns loyalty program with the card and a complimentary Priority Pass membership as well. You get 20,000 Reward points as a welcome benefit with the card and 5000 reward points as a card anniversary gift. Being an Air India co-branded card, you get accelerated reward points on booking your Air India tickets, as well as 4 reward points on every spend of Rs. 100 on retail.

• 20,000 reward points as a welcome benefit
• 5000 reward points as an anniversary gift
• Up to a maximum of 1,00,000 reward points on achieving spend-based milestones
• 30 reward points per Rs. 100 spent on Air India ticket booking via Air India
• 4 reward points per Rs. 100 spent on retail spends

The second co-branded credit card by SBI Bank and Air India, the Platinum variant, caters to the mid-level segment and has a lower annual fee than the Signature variant. Again, the card comes with a host of travel privileges and offers accelerated reward points on Air India ticket bookings.

• 5000 reward points as a welcome benefit
• 2000 reward points as an anniversary gift
• Up to a maximum of 15,000 reward points on achieving spend-based milestones
• 15 reward points per Rs. 100 spent on Air India ticket booking via Air India
• 2 reward points per Rs. 100 spent on retail spends

The Magnus credit card is a high-end offering from Axis Bank. You can obtain this card by paying a joining fee of Rs. 12,500, and you will receive vouchers worth the same amount as a welcome benefit. As a cardholder, you will have access to both domestic and international lounges at airports. Additionally, premium customers can make international transactions at a low Forex markup fee of 2%.

The ICICI Bank Emeralde Private Metal credit card is a new addition to ICICI Bank’s super-premium category. It requires a joining fee of Rs. 12,499 plus taxes. The card is made of metal and comes with a range of exclusive lifestyle and travel features for the cardholder. Upon signing up, you will receive a complimentary Taj Epicure membership for one year, an EazyDiner Prime membership, and a bonus of 12,500 reward points.

• 6 ICICI Reward Points per Rs. 200 spent on retail, grocery, education, and insurance.
• Unlimited complimentary golf rounds and lessons at top courses around the world.
• Get unlimited international lounge access with the Priority Pass.

The Premier Metal Credit Card is an exclusive offering by HSBC for its customers who maintain a Premier relationship with the bank in India. As introductory benefits, the customers can get a complimentary Taj Epicure and EazyDiner membership along with gift vouchers from Taj worth Rs. 12,000. The card earns you reward points at a decent rate that are redeemable against various products and airline miles.

The Atlas credit card is widely known as one of the most rewarding credit cards in India. By using the Atlas card, you can earn accelerated reward points when booking hotels and flights. Moreover, the Atlas Card offers a host of travel benefits, such as complimentary access to both domestic and international airport lounges, higher reward rates on foreign currency transactions, and even a complimentary airport concierge service.

Credit Cards Reward Points to Air India Points Conversion Ratio

Flying returns elite status tiers.

When you join the Flying Returns loyalty program, you are automatically given the Red status tier. As you fly more, you are upgraded to the Premium Status Tier. In order to get a tier upgrade, you have to earn a certain number of Status FR points within 12 months.

When you become a member of the Premium status tiers, you get access to many features and benefits for the following year. These include bonus FR points, extra cabin and checked baggage allowance, dedicated check-in counters, upgrade vouchers, priority check-in and boarding, etc.

Here are all the benefits of different status tiers with Air India Flying Returns.

• Spend points for reward flights & cabin upgrades.
• Everygreen points.
• Earn points on all spends at Air India and partner airlines.
• All benefits of Red tier.
• Dedicated customer support.
• Priority privileges.
• All benefits of the Silver tier.
• Vouchers for upgrade.
• Complimentary lounge access.
• All benefits of the Gold tier.
• Fly early benefit.
• Seat selection privileges.
• Changes and cancellation fee waivers.

How to Earn Air India Flying Return Points?

Here is how you can earn Air India FR Points:

By Flying With Air India or Partner Airlines

Whenever you fly on a domestic or international route on an Air India flight, you earn Flying Returns (FR) points, and you receive more points based on the length of your flight route. Also, the higher your fare class, the more points you earn for your travel. As Air India is a Star Alliance member, you also earn FR points by flying on any of the Star Alliance member airlines flights.

By Converting Your Credit Card Reward Points

You can convert the reward points earned on your select SBI, Axis, HSBC, and Citibank credit cards to Air India FR points at a fixed ratio. If you are a frequent traveler, you can get rewarded for your everyday spends through your credit card and then convert your reward points to air miles.

How to Redeem Air India Flying Returns Points to Book Flights?

Once you have earned Air India FR points, the next step is to redeem your points for flights. You must be a member of the Air India Flying Returns program in order to claim your miles and redeem them for award flights. FR points needed to redeem different fare class flights are as follows –

• Business Class – 2 times the points needed for Economy class.
• First Class – 2.5 times the points required for Economy class.

Flight redemption using FR points is based on your flight route, and more points are needed to book higher-fare class flights. You can check the required points on Air India’s official points calculator . The following are the top routes for travelers to redeem Flying Returns points.

• Delhi to Leh – 8,000 Points
• Delhi to Mumbai – 5,000 Points
• Mumbai to Kolkata – 6,000 Points
• Chennai to Jodhpur – 1,500 Points

You can also use your FR points to book Star Alliance member airlines award flights based on the Star Alliance Award Chart. Redemption depends on the availability of seats on your designated flight and the booking class. Moreover, you can also redeem your FR points to upgrade your eligible tickets on international and domestic flights. The points required to upgrade the fare class depend on the booking class of your Economy class ticket. For Star Alliance upgrades, it depends on the booked RBD and the partner airline in that situation.

Booking Air India Flight via FR Points

• Visit the official website of Air India .

• Log in to your Flying Returns account.

• You will reach your Account Summary page. Go to the Points box and click on Book a Flight.

• In the flight search box, enter your arrival and departure location, date of travel, and other details, and then search for flights.

• You will see all available flights on your chosen date, along with the total miles required to book the flight.

• Click on the flight you want to book to check out its details and the available fare class options with the points requirement. Select the fare class you wish to book and continue with the booking.

How to Book Air India Flights Using Partner Airlines’ Miles

As we already know, Air India is a member of the Star Alliance, and you can book Air India-operated flights using partner airlines’ miles as well. We’ll talk about the leading airlines that allow you to book Air India flights –

• United Airlines
• Visit the United Airlines website and Sign in to your United MileagePlus account.

• Enter the departure and arrival location, date of travel, and other details, then search for Flights.

• You will see all the available flights on your chosen dates, including from partner airlines. You can even see options that include flight itineraries from Air India, Vistara, and more.
• You can also check out the 30-day calendar to search for all flights during that month.

• The total miles required to book the flight, along with other taxes and fees, are given in front of the flight.
• Click on any flight to check out its details and proceed with the booking using your United Miles.

• Singapore Airlines
• Visit the Singapore Airlines website and log in to your account.

• Click on Book Trip and then check the Redeem flights box.
• Next, choose the Show Flight for Star Alliance option to view flights operated by members, including Air India.
• You will see all the available flights for your chosen date and can even search for other flights during that week. The miles required to book the flight are given in front of the flight.

• Click on any flight to check out its details and proceed to book it using your KrisFlyer Miles.
• Turkish Airlines
• Visit the Turkish Airlines website.

• Log into your Turkish Miles and Smiles account.

• Click on Award ticket – Buy a ticket with Miles.

• Next, click on Book Now under the Star Alliance award ticket box.
• Enter your departure and arrival location, date of travel, and other details to search for available flights. You can choose between Economy Class and Business Class for the results.
• You will see all available flights by Air India and other Star Alliance members for your chosen date, along with the Miles required to book the flight. Click on Select this flight to proceed to the next step.

• You will see the flight details along with the taxes to be paid in cash for booking the flight. Click on Continue to finalize the booking using your Turkish Miles.

Air India is one of India’s largest airlines, and being part of the Star Alliance, it operates flights to a number of locations across the globe. Its frequent flyer program, Flying Returns, is highly rewarding, and you can earn FR points on your travels on both Air India and Star Alliance member airlines flights. Additionally, you can even transfer your credit card reward points to Air India FR points at a fixed conversion rate if you are a frequent traveler and want to maximize the benefits of your reward points.

The FR points earned by you can be redeemed for Air India as well as partner airlines award flights. Also, you can upgrade your award flight class using your FR points if you want. You can book award flights through the official Air India website for domestic and international flights.

Not only this, as Air India is a Star Alliance member, you can book Air India award flights via United Airlines, Avianca Airlines, Turkish Airlines, and other partner airlines using their loyalty program reward points or air miles as well. Make the most of your air miles and redeem as many flights as you can.

• HSBC Premier Credit Card
• ICICI Emerald Private Metal Credit Card
• By flying on Air India or its partner airline flights.
• By converting your credit card reward points.
• Silver - 15,000 (4,500 Tier Points Earned Through Air India )
• Gold - 30,000 (4,500 Tier Points Earned Through Air India )
• Platinum - 45,000 (4,500 Tier Points Earned Through Air India )
• Visit the official website of Air India and log in to your Flying Returns account.
• You will reach your Account Summar page. Go to the Points box and click on Book a Flight.
• Avianca Airlines

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