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25+ Best Travel Credit Cards in India 2024

Travel credit cards are tailored to the needs of frequent travellers. These credit cards offer benefits such as complimentary access to airport lounges, 24×7 concierge service, and insurance benefits. They not only make the cardholder’s travel experience smoother and more comfortable but also, in most cases, offer a higher reward rate on travel-related expenses like flight bookings and hotel reservations. Many travel credit cards earn rewards in the form of AirMiles, which can be redeemed for air ticket bookings, award flights (free flights), or class upgrades with partner airlines.

How Do Travel Credit Cards Work?

Travel credit cards are typically offered in collaboration with an airline, an online travel portal, or a hotel/resorts chain. These co-branded credit cards often provide higher rewards for spending with partner airlines or travel portals. Additionally, you can often enjoy exclusive benefits such as complimentary membership in the partner airline’s frequent flyer program or bonus AirMiles upon reaching specific spend-based milestones with these co-branded travel credit cards. Examples of co-branded travel cards include the 4 Ka-Ching Credit Cards by HDFC and Kotak (offered in collaboration with Go IndiGo), Air Vistara co-branded credit cards by Axis Bank, IndusInd Bank, and SBI Card, as well as Emirates and Etihad co-branded credit cards by SBI Card.

While most travel rewards credit cards are offered in collaboration with an airline or travel portal, some travel cards are more generic and are suitable for travellers in general without providing additional benefits for spending with a particular airline or travel portal. Two examples of such generic travel credit cards are the American Express Platinum Travel Credit Card and the Axis Bank Atlas Credit Card.

List of Best Travel Credit Cards in India 2024

Now that you understand how travel cards work, once you are certain that you need a travel credit card, you can select one from our list of the finest travel credit cards available in India, depending on your requirements and expectations for a travel credit card. Here are some of the best credit cards for travel, according to us, currently available in the Indian credit card market.

• Axis Bank Vistara Infinite Credit Card

Club Vistara IDFC First Credit Card

Club vistara indusind bank explorer credit card.

• 6E Rewards XL – IndiGo HDFC Bank Credit Card
• 6E Rewards XL – Indigo Kotak Bank Credit Card

6E Rewards – IndiGo HDFC Bank Credit Card

Club vistara sbi card prime, air india sbi signature credit card, air india sbi platinum credit card, etihad guest sbi premier credit card, etihad guest sbi credit card.

• Axis Bank Miles & More Credit Card

HDFC Bank RuPay IRCTC Credit Card

Irctc sbi card premier, irctc rupay sbi credit card, makemytrip icici bank platinum credit card.

• MakeMyTrip ICICI Bank Signature Credit Card

Yatra SBI Credit Card

Intermiles icici bank sapphiro credit card, emirates skywards icici bank emeralde credit card, emirates skywards icici bank sapphiro credit card, axis bank atlas credit card, american express platinum travel credit card, citibank premiermiles credit card, rbl world safari credit card, hdfc bank diners club miles credit card, air vistara co-branded credit cards:.

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It is the most premium travel credit card by Axis Bank in collaboration with Air Vistara. You earn Club Vistara Points on all spends via the Vistara Infinite credit card which you can redeem on the Air Vistara portal for booking Vistara air tickets, class upgrades, award flights, etc. Apart from the CV Points, you also get the following travel benefits with the Vistara Infinite card-

• Club Vistara Gold Membership and one complimentary business class ticket voucher as a welcome benefit (business class ticket voucher every year the card membership is renewed).
• Bonus CV Points or complimentary business class tickets on achieving the stipulated spends based milestones.
• Travel-related insurance benefits including personal air accident cover (worth Rs. 2.5 crore) applicable in case of loss of life, purchase cover worth Rs. 1 lakh, USD 300 cover against loss of travel documents or delay in check-in luggage and USD 500 cover in case of loss of check-in luggage.
• 2 complimentary access to lounges (per quarter) at select domestic airports across India.

This is a co-branded card launched by IDFC First bank in partnership with Air Vistara. The card comes at a joining fee of Rs. 4999 plus taxes and is a great choice for regular Air Vistara travellers. The card offers complimentary premium economy flight ticket, class upgrade voucher, and Club Vistara Silver tier membership as welcome benefits.

• Complimentary Premium Economy flight ticket, Class Upgrade voucher, and Club Vistara Silver Tier membership as welcome benefit
• Up to 6 CV Points per Rs. 200 spent with the card
• Up to 5 complimentary Premium Economy flight tickets as milestone benefits
• 2 complimentary domestic and 1 international lounge access
• 4 complimentary green fees golf rounds per year
• CFAR Trip Cancellation cover for hotel and flight bookings, up to Rs. 10,000

Club Vistara IndusInd Bank Explorer Card is a premium credit card by IndusInd Bank. It has a hefty joining fee of Rs. 40,000 (plus taxes) and an annual membership fee of Rs. 10,000 per annum is applicable second year onwards. The IndusInd Club Vistara Explorer Credit Card is a direct competitor of the Axis Bank Club Vistara Infinite Credit Card. Some of the salient features of the IndusInd Club Vistara Explorer Credit Card are as under-

• You earn 8 CV (Club Vistara Points) per Rs. 200 spent on Vistara website, 6 CV Points per Rs. 200 on other travel spends, 2 CV Points per Rs. 200 on other spends and 1 CV Point per Rs. 200 on fuel, utility and insurance categories.
• The Card entitles you to Club Vistara Gold tier membership.
• You also get 1 complimentary domestic airport lounge access and 4 complimentary international lounge pass (with Priority Pass membership) evry year.
• The card also entitles you to 1 complimentary Air Vistara business class ticket for every Rs. 3 lacs spent (up to a maximum of 5 tickets in a year).

IndiGo Co-branded Credit Cards:

6e rewards xl – indigo hdfc bank credit card.

It is a co-branded travel credit card by HDFC Bank in collaboration with Indigo airlines. The card is best suited for frequent domestic flyers. The 6E Rewards XL Credit Card is offered in two variants- the free variant (zero membership fee) and the paid variant (membership fee of Rs. 2,500). The card comes with a plethora of travel benefits, particularly for domestic frequent flyers-

• The card earns you reward points as IndiGo 6E Rewards that are redeemable on the IndiGo 6E Rewards portal for 6E Rewards benefits including booking Go IndiGo flights.
• You get a complimentary IndiGo air ticket and IndiGo Prime Add-on as welcome benefits on making a minimum of 3 transactions within 3 months of card setup. These welcome benefits are applicable for the paid variant of the card only.
• IndiGo 6E Rewards XL cardholders are also entitled to 8 complimentary lounge access every year (max 2 per quarter) at domestic airports across India

As Go IndiGo is the country’s largest domestic carrier, this credit card can be a really good choice for those who travel frequently within the country.

6E Rewards XL – Indigo Kotak Bank Credit Card

The 6E Rewards XL Credit Card offered by Kotak Mahindra is very much similar to the 6E Rewards XL Card by HDFC with regard to the rewards & benefits that it delivers. The annual fee of 6E Rewards XL – IngiGo Kotak Mahindra Credit Card is Rs. 2,500, however, as an introductory offer the card is currently available for an annual fee of Rs. 1,500. Some of the key features of 6E Rewards XL – IndiGo Kotak Mahindra Credit Card are-

• Free air ticket worth Rs. 3,000, free 6E Prime add-on worth Rs. 899, 30% discount on Accor Stay voucher (worth Rs. 5,000), Accor hotels dining voucher worth Rs. 1,000 and a Budwiser 0.0 voucher worth Rs. 250 as welcome gifts on joining the card membership.
• 20% value back as IndiGo 6E Rewards at IndiGo featured partners.
• 6% value back as 6E Rewards on spends on IndiGo.
• 3% value back as 6E Rewards on spends on dining, grocery and entertainment categories.
• 2% value back as IndiGo 6E Rewards on every other spends (including fuel) made with the card.
• 8 complimentary lounge access at select domestic lounges across India.
• 12 golf lessons and 4 rounds of green fees (every year) at premium golf courses across India.

It is another co-branded travel credit card issued by HDFC bank launched in collaboration with Go Indigo. It is the less premium variant of the 6E Rewards XL card. It also comes in two variants- free variant and a paid variant (annual fee of Rs. 700). The 6E Rewards IndiGo card comes with the following travel benefits-

• You earn Reward Points as 6E Rewards on all categories of spends (the reward rate is lower than the XL variant though) and accelerated 6E Rewards on IndiGo ticket bookings.
• 1 complimentary IndiGo Add-on and on making a minimum of 3 transactions in the first three months of card issuance get a complimentary air ticket (worth Rs. 1,500) (at least 1 transaction per month). The welcome benefits are applicable only for the paid variant.

The aforementioned travel benefits make this credit card a decent credit card in the travel category. You must compare the benefits of this card with those of the more premium XL variant before making the final decision.

It is a mid-level travel credit card by SBI Cards in partnership with Air Vistara. The card comes with a membership fee of Rs. 1,999 per annum and offers plethora of travel benefits including-

• An e-gift voucher or 1 premium economy class ticket at the time of joining and every year on paying the card annual fee (on card renewal).
• Reward Points as Club Vistara Points on all categories of spends.
• Bonus CV Points, complimentary air tickets and hotel vouchers on achieving the stipulated spends based milestones.
• Air travel insurance cover against air ticket cancellation, air accident, delay of check-in luggage, baggage damage, loss of check-in baggage and loss of travel documents.
• 8 complimentary access to domestic airport lounges every year (max 2 per quarter) and 4 complimentary international airport lounge access every year (max 2 in a quarter).

Air India Co-branded Credit Cards:

SBI Card offers two co-branded cards in partnership with Air India- Air India SBI Signature Credit Card and Air India SBI Platinum Credit Card. The Signature card is more premium than the latter. Air India SBI Signature Credit Card comes with a annual fee of Rs. 4,999 and comes packed with multiple travel benefits, particularly for Air India flyers. Some of the salient features of the Air India SBI Signature Credit Card are as under-

• Complimentary membership to Air India’s frequent flyer program, Flying Returns.
• Accelerated RPts on Air India flight bookings.
• The Reward Points earned are convertible into Air India AirMiles.
• 8 complimentary access to lounges across India every year (max 2 per quarter).

If you want a card that offers high reward rate on Air India bookings, then this card is best choice that one can make. Another option worth considering for Air India frequent flyers is the lesser premium Air India SBI Platinum Credit Card.

The Air India SBI Platinum credit card is a co-branded travel credit card by SBI cards launched in collaboration with Air India. It can be considered a toned-down version of the Air India SBI Signature Credit Card.  The travel benefits that you get with this credit card are summarised below-

• Complimentary membership of the Air India Frequent Flyer program.
• Accelerated Reward Points on spends on Air India tickets.
• The Reward Points earned can be converted into Air India AirMiles.
• 8 complimentary access to domestic airport lounges (max 2 per quarter) with the Visa Domestic Lounge program.

As there are very few Air India credit cards in the market, this one by SBI Card can be a really good pick for those who consider the state-owned airline the carrier of choice for their traveling needs.

Etihad Airways Co-branded Credit Cards:

Etihad Guest SBI Premier Card is a premium travel credit card by SBI Card in collaboration with the UAE-based Etihad Airways airline. With a membership fee of Rs. 4,999, the card offers a plethora of travel benefits. Some of the salient features of the card are as under-

• Etihad Gold Tier status and 5,000 Etihad Guest Miles as welcome benefits.
• You earn Etihad Guest Miles on all categories of transactions with the card (accelerated Etihad Guest Miles on Etihad.com and international spends).
• You get a discount of 10% on direct Etihad airways bookings and a 10% discount on rewards/miles redemption.
• You get 8 complimentary domestic lounge pass every year (max 2 per quarter) and 4 complimentary access to international lounges every year (max 2 per quarter).
• You are also entitled to a complimentary overseas air accidental insurance cover which is worth Rs. 50 lakh and a cover worth USD 1,000 against the loss on check-in baggage as a cardmember.
• You also get 1 Etihad companion voucher per annum on an annual expenditure of a minimum of Rs. 8 lacs with the card.

Considering all the aforementioned travel benefits, it’d be safe to conclude that if you are looking for a premium credit card and are a frequent flyer to middle-east destinations including Dubai, you can not go wrong with the Etihad Guest SBI Premier Card as it offers a fairly high reward rate, particularly on the Etihad Airways portal. On top of that, you also get a discount of 10% on bookings made directly on Etihad.com.

It is another a co-branded travel card by SBI cards in collaboration with Etihad airways. Unlike the Etihad Guest SBI Premier Card, which is a premium card in the travel category, this one is a mid-level offering by SBI cards. The annual fee for this co-branded credit card is of Rs. 1,499 per annum. The travel benefits that come bundled with this credit are as under-

• Complimentary Etihad Silver Tier Status, 2,500 Etihad Guest Miles as a welcome gift.
• The card rewards you as Etihad Guest Miles including all categories, accelerated Etihad Guest Miles on Etihad.com and international spends.
• Discount on Etihad economy and business class ticket bookings and on Etihad Guest Miles redemption.
• 8 complimentary domestic airport lounge access per year (max 2 per quarter) and complimentary Priority Pass membership worth USD 99.
• Travel-related insurance benefits including a personal air accident cover that is worth Rs. 25 lakhs and a baggage cover worth USD 1,000.

Lufthansa Co-branded Credit Cards:

Axis bank miles & more credit card.

The Miles & More Credit Card by Axis Bank is a co-branded card launched by the bank in partnership with the Germany-based Lufthansa airlines. Miles & More Credit Card comes in two variants- Miles & More Select Credit Card and Miles & More World Credit Card. The Select variant is the more premium one of the two and offers a higher reward rate and more additional benefits. You earn award miles for all spending using the card that are credited to Miles & More account which is registered with the bank. Following are some of the key features of Axis Bank Miles & More Credit Card-

• Redeem the miles acquired for flight bookings and upgrades (on all Star Alliance member carriers including United Airlines, Air China, Air Canada, and Singapore Airlines), hotel reservations, car rentals, shopping at partner merchants, or donations for a good cause.
• You are entitled to an annual bonus of 4,000 and 3,000 Miles respectively on the Miles & More World Credit Card and Miles & More Select respectively.
• You get 8 complimentary domestic airport lounge per quarter access with Miles & More Select Credit Card and 4 complimentary domestic airport lounge access per quarter with Miles & More World Credit Card.
• You also get 4 complimentary international airport lounge access per annum with Miles & More Select Credit Card 2 complimentary international airport lounge access per quarter with Miles & More World Credit Card.
• Miles & More Select Credit Card earns you 6 award Miles per Rs. 200, while Miles & More World Credit Card earns you  4 award Miles per Rs. 200.

IRCTC Co-branded Credit Cards:

The IRCTC HDFC Bank RuPay Credit Card is a recently launched travel credit card that comes with a nominal annual fee of Rs. 499 plus applicable taxes. The card rewards you in the form of Cash Points and you can earn up to 5 Cash Points on every Rs. 100 you spend using it. The following are some of the key features of this card:

• Amazon voucher worth Rs. 500 as an introductory benefit.
• 1 Cash Point on every retail spend of Rs. 100.
• 5x Cash Points on IRCTC spends.
• Free railway lounge access four times every year.
• Spend-based renewal fee waiver.

Unlike most travel credit cards that offer air travel benefits, this IRCTC co-branded credit card offered by SBI Card comes with railway benefits and is suitable for those frequent travelers who prefer trains over flights for domestic travel. Following are the features of the card:

• 10% value back on rail ticket bookings via IRCTC app/website transferred to the cardholder’s IRCTC loyalty account.
• Transaction charges waived off on rail/air tickets booked via IRCTC app/website.
• Accommodation at 5,000 plus hotels covering 350 cities across India.
• 8 complimentary railway lounge visits every year (max 2 per quarter).
• Complimentary rail and air accident cover worth Rs. 10 lakh and Rs. 50 lakh respectively.
• Rewards Points earned are redeemable on IRCTC app/website if the card is linked with the cardholder’s IRCTC account.

IRCTC Rupay SBI Credit Card is very much similar to the IRCTC SBI Platinum Credit Card in terms of the benefits that it offers. The travel benefits that this credit card offers are as under-

• 10% value back on rail ticket bookings on IRCTC app/website transferred to your IRCTC loyalty account.
• 1% transaction charges are waived off on rail ticket bookings via IRCTC app/website.
• Reward Points gained on the card can be redeemed on IRCTC app/website if the card is linked with the cardholder’s IRCTC account.

MakeMyTrip and Yatra Co-branded Travel Credit Cards:

It is a co-branded travel card issued by ICICI bank launched in collaboration with the travel portal MakeMyTrip. As an entry level card, it comes with a membership fee of Rs. 500 per annum. Following are the travel benefits that you get with this credit card-

• You earn Reward Points as MakeMyTrip My Cash (accelerated rate applicable on MakeMyTrip transactions) which can be used to make bookings on MakeMyTrip (1 My Cash = Re. 1).
• Rs. 500 My Cash and a MakeMyTrip holiday voucher worth Rs. 3,000 as a joining benefit.
• 2 complimentary domestic airport lounge access per quarter if Rs. 5,000 or more were spent in the previous quarter.
• 1 complimentary international airport lounge visit per annum with Dreamfolks lounge access program membership.
• 1 complimentary IRCTC lounge access every quarter.

This is another co-branded credit card launched by the ICICI bank in collaboration with the travel portal MakeMyTrip. This credit card comes bundled with the following travel benefits-

• You earn Reward Points as My Cash which is transferred to your MakeMyTrip MyWallet and can be used to make bookings on the MakeMyTrip portal (1 My Cash = Re. 1).
• Rs. 1,500 My Cash, complimentary MMT BLACK exclusive membership and a MakeMyTrip holiday voucher worth Rs. 2,500 as a joining benefit.
• Complimentary railway and domestic & international airport lounge visits.
• Complimentary Airtel international roaming pack worth Rs. 3,999.

As is obvious from the name, it is a co-branded credit card by SBI cards launched in collaboration with the travel portal Yatra. It is an entry-level travel credit card and comes with the following travel benefits-

• Gift vouchers worth Rs. 8,250 from Yatra as a joining benefit.
• Discounts on domestic and international flight bookings via Yatra- Rs. 1,000 off on domestic flight bookings (min transaction of Rs. 5,000 required) and Rs. 4,000 off on international flight bookings (min transaction of Rs. 40,000 required).
• 20% off on domestic hotel bookings via Yatra- min transaction of Rs. 3,000 required and max discount capped at Rs. 2,000.
• Complimentary air accident cover worth Rs. 50 lacs (applicable in case of loss of life).

InterMiles Co-branded Travel Credit Cards:

It is one of the premium cards offered by ICICI Bank in the travel category. The card comes in two variants – the American Express and the Visa variant (the AmEx variant offers a bit higher reward rate.) The following travel benefits come bundled with the ICICI Bank InterMiles Sapphiro credit card-

• You earn Reward Points as InterMiles on all categories of spends (accelerated InterMiles on Etihad airways ticket bookings on the InterMiles portal).
• 1 year silver tier membership and 10,000 bonus InterMiles and discounts on flight and hotel bookings as a welcome benefit on achieving the stipulated spends-based milestones.
• Bonus InterMiles and flight discount vouchers each time the card is renewed.
• 2 complimentary domestic airport lounge visits per quarter (on spending minimum of Rs. 5,000 in the last quarter) and 2 complimentary international airport lounge visits per annum with the Dreamfolks lounge access program.

If you fly frequently via Etihad airways, this can be a really good choice for you. It is comparable to InterMiles HDFC Diners Club Credit Card. It is advisable to compare the benefits of the two before making a decision.

Emirates Co-branded Travel Credit Cards

The Emirates Skywards ICICI Bank Emeralde card is a newly launched card offered by the ICICI Bank in collaboration with Emirates Airlines. The card rewards its customers in the form of Skyward Miles which can be redeemed against travel bookings & various other options available on the Emirates website. Other travel benefits of the card include:

• Unlimited complimentary domestic as well as international lounge access.
• Emirates Skywards gold tier membership on spending Rs 15 lacs in a year.
• Complimentary Dreamfolks membership.

The Emirates Skywards ICICI Bank Sapphiro Card is another card that was launched along with the Emirates ICICI Bank Emeralde Card. It comes with an annual fee of Rs. 5,000 and welcomes its customers with 5,000 bonus miles. Following are some of the most premium benefits of this card:

• 2 complimentary domestic lounge access and spa sessions every quarter.
• 2 complimentary international lounge access every year.
• Complimentary Emirates Skywards Silver Tier membership.

Generic Travel Credit Cards:

Axis Bank Atlas Credit Card is a newly launched card, best suited for people who travel often. With an annual fee of Rs. 5,000 it is offered in three tiers: Silver, Gold, and Platinum. It offers various exclusive privileges across different categories along with travel. Following are some of the premium benefits offered with this card:

• Up to 5 Edge Miles on every spend fo Rs. 100.
• Up to 18 complimentary domestic lounge visits every year.
• Up to 12 complimentary international lounge visits every year.

It is a premium travel credit card by American Express and comes loaded with a plethora of travel benefits. It is definitely one of the best travel credit cards in India in the premium segment. Some of the travel benefits that come bundled with the American Express Platinum Travel Credit Card are as under-

• 4 complimentary domestic airport lounge visits every year (one per quarter) and complimentary membership of the Priority Pass lounge program.
• You get vouchers from leading hotel chains like the Taj, SeleQtions, Vivanta hotels on achieving the stipulated spends milestones.

The PremierMiles credit card by Citibank is a premium offering by the bank in the travel category. It comes with a annual membership fee of Rs. 3,000 per annum and offers you the following travel benefits-

• You earn AirMiles (or just Miles) on all categories of spends which can be redeemed for air ticket bookings or can be transferred to 15 airlines and hotels loyalty programs. 1 Citi bank Miles earned on the Premier Miles Credit Card is equivalent to Rs. 0.5 when transferred to InterMiles, Air India, Etihad, Thai Airways, British Airways, Singapore Airlines, Cathay Pacific, Eva Air, British Airways, Singapore Airways, Qatar Airways, Flying Blue (Air France and KLM), Virgin Atlantic, Qantas, Turkish Airlines, and Re. 1 when transferred to Taj InnerCircle and InterContinental Hotel Group membership.
• 8 complimentary domestic lounge access with the Visa variant and 6 domestic lounge access with the Mastercard variant of the card.
• Personal air accident cover (worth Rs, 1 crore) (applicable only in case of loss of life).

World Safari credit card by the RBL bank is a premium travel card by the RBL bank. It is the only credit card in India with a zero foreign currency mark-up fee. The travel benefits of the card are as under-

• MakeMyTrip voucher (worth Rs. 3,000) as a welcome benefit.
• 0% mark-up fee on all foreign currency transactions.
• You earn Travel Points on all categories of spends which can be redeemed for flight/hotel bookings.
• 2 complimentary domestic airport lounge visits (per quarter) and 2 complimentary international lounge pass annually under the Priority Pass membership.

It is an entry-level travel credit card issued by HDFC bank and you have to pay a nominal membership fee of Rs. 1,000 per annum for the Diners Club Miles credit card. The travel benefits you get with the Diners club Miles credit card include-

• Reward Points redeemable against AirMiles, flight tickets, hotel reservations at the rate of 1 Reward Point = 1 AirMile, 1 Reward Point = Rs. 0.50 (for hotel/flight bookings via SmartBuy).
• Complimentary 6 airport lounge visits around the world each year.
• Travel concierge service.
• Insurance benefits including air accident cover (worth Rs. 1 crore), emergency medical expenses cover worth Rs. 25 lakh, credit liability cover (up to Rs. 9 lakh), insurance cover worth Rs. 50,000 on baggage delay/loss.

With all these travel benefits, we can safely conclude that HDFC Diners Club Miles and IRCTC HDFC RuPay Card are among the best travel cards in the budget segment.

Features and Benefits of Travel Credit Cards

Travel credit cards can be either generic or co-branded (launched in partnership with an airline, or in some cases, IRCTC or even travel portals like MakeMyTrip, Yatra, etc.). Co-branded travel cards, as you can guess, offer special benefits on spends on the partner airline and/or earn rewards as the partner airline’s AirMiles which are credited to the airline’s frequent flyer program.

Generic travel credit cards, on the other hand, either earn Reward Points at an accelerated on travel-related spends or offer travel-related value-added privileges like complimentary hotel loyalty program membership or a complimentary night stay at partner hotels, etc.

Both co-branded, as well as generic travel credit cards, usually offer complimentary airport/IRCTC lounge access and comprehensive insurance plan along with multiple travel insurance covers. Some of the features and benefits that one expects from a travel credit card are-

Complimentary Lounge Access: Almost all travel credit cards offer complimentary airport or IRCTC lounge access. Entry-level and mid-level travel credit cards offer only domestic airport lounge access and/or IRTC lounge access, while premium travel cards usually also offer complimentary international airport lounge access or at least a complimentary membership to the Priority Pass lounge program.

AirMiles: This is applicable only for co-branded travel credit cards. Co-branded travel credit cards, launched in collaboration with an airline many times earn Reward Points as partner airline’s AirMiles. For example, Air Vistara co-branded credit cards by Axis Bank (Axis Bank Vistara Infinite Credit Card, Axis Bank Vistara Credit Card and Axis Bank Vistara Signature Credit Card), SBI Card (Club Vistara SBI Card and Club Vistara SBI Card Prime) and IndusInd Bank (Club Vistara IndusInd Bank Explorer Credit Card) earn Reward Points as Club Vistara (CV) Points and GoIndiGo co-branded credit cards by HDFC and Kotak Mahindra (the four Ka-Ching Credit Cards) earn Reward Points as IndiGo 6E Rewards.

Hotel Loyalty Program Membership/Stay Vouchers: Some of the premium travel credit cards also offer complimentary membership of certain hotel loyalty programs or complimentary stay vouchers at partner hotels. For example, you get complimentary Taj stay vouchers/gift cards with American Express Platinum Travel Credit Card and RBL World Safari Credit Card.

Welcome/Milestone Benefits: Many travel credit cards offer travel vouchers (like hotel stay vouchers/gift cards) as a welcome benefit on card membership or as a milestone benefit on achieving the stipulated spend milestone. Some travel cards also offer complimentary flight ticket(s) as a welcome benefit or as a milestone benefit.

Accelerated Reward Rate on Travel Spends: Some travel credit cards earn Reward Points/Miles at an accelerated rate on travel-related spends. For example, Citibank PremierMiles Credit Card earns Citibank Miles at an accelerated rate (10 Miles/Rs. 100) on airline spends with the card, while the usual reward rate of the card is just 4 Miles per Rs. 100 spent.

How to Compare Travel Credit Cards?

Travel Credit Cards, as you know offer special travel benefits to the card bearer. These benefits may come in a number of different forms including complimentary airport/IRCTC lounge access, complimentary hotel stay vouchers/hotel loyalty program memberships, Reward Points as AirMiles, bonus Reward Points/Miles on travel spends, etc. Now since different travel cards come with different types of travel benefits, it is many times difficult to objectively compare two credit cards. For example, how would you compare a travel credit card like American Express Platinum Travel Credit Card that earns offers complimentary domestic airport lounge access and Taj Stay vouchers (on meeting the spend targets) with a card like Axis Bank Vistara Infinite Credit Card that earns RPs as Club Vistara (CV) Points?

If you have to choose a travel credit card for yourself, our suggestion would be that you must be very clear about your requirements- for example, you must decide whether the majority of your trips are going to be only within India or will you be frequently traveling to foreign destinations as well. Listed below are some of the pointers, rather some of the parameters, that one must keep in mind to compare travel credit cards and before making a call on which travel credit card will suit you the best-

Co-branded vs Generic Travel Credit Cards

Many credit card issuers often tie-up with airlines, IRCTC or holiday booking portals (like MMT or Yatra) to launch co-branded credit cards. These co-branded cards offer extra benefits on spends at partner merchants. A co-branded credit card may be a good pick for you if you prefer a particular airline over others or if you prefer railways over airways as a mode of transportation.

For example, an IndiGo or a Vistara co-branded credit card may be a good pick for a frequent domestic flyer, while an Etihad or Emirates co-branded card might be the best fit for someone who travels frequently to Gulf destinations like Dubai.

On the other hand, a generic travel credit card may be the best-suited one for you if you have no specific preference for a particular airline or travel portal. A generic travel credit card like the American Express Platinum Travel Credit Card or RBL World Safari Card will almost always offer complimentary access to domestic/international airport lounges and a higher reward rate on travel spends or international transactions made with the card.

Airport/Railway Lounge Access

Almost all travel credit cards offer complimentary airport/IRCTC lounge access. While entry-level and mid-level travel cards usually offer lounge access only at domestic airports or at railway stations, premium travel credit cards also offer complimentary lounge pass at international airports or at least complimentary membership of a lounge access program like Priority Pass or DreamFolks.

If travel experience matters to you a lot, complimentary lounge access is definitely one of the important matrices that you must consider while choosing a travel credit card. If you travel to nearby places within India, an IRCTC co-branded travel credit card that offers complimentary railway lounge access can be a great pick for you. Also, if you frequently travel by air within the country, you may consider a travel credit card that offers complimentary domestic airport lounge access, while you might ignore the international lounge benefit. However, if you are a frequent international flyer, you must make sure that the travel credit card you choose does offer a certain number of complimentary airport lounge access at international airports as well.

Another point worth keeping in mind is, if you are looking for a credit card just for the lounge access benefit, sometimes generic credit cards (which are not particularly travel-centric cards) offer more number of (sometimes even unlimited) lounge access at airports/railway stations. For example, if you require a credit card just for railway lounge benefit, IDFC FIRST Credit Cards offer 4 complimentary IRCTC lounge access every quarter at select railway stations across the country which is more than what any of the IRCTC co-branded credit cards offer. Similarly, HDFC Infinia and Diners Club Black Credit Cards offer unlimited international airport lounge access to both primary as well as add-on cardmembers- a benefit that you do not get with most premium travel credit cards. The following table summarises the railway/airport lounge access feature that you get with the aforementioned travel credit cards-

Hotel Loyalty Program Membership/Hotel Stay Vouchers

Some of the premium travel credit cards offer complimentary vouchers from premium hotel chains. For example, American Express Platinum Travel Credit Card, which is one of the great travel cards in India in the premium segment, offers complimentary Taj Stay vouchers on meeting the spending targets. This benefit may be important for you if you want to enjoy a premium travel experience without any comprises.

Foreign Currency Mark-up

The usual foreign currency mark-up fee as applicable for most credit cards is about 3.5% of the conversion amount. Some travel credit cards charge a lower or sometimes even zero mark-up fee on international currency purchases. For example, zero forex mark-up fee is charged on international transactions done with Club Vistara IndusInd Bank Explorer Credit Card and RBL World Safari Credit Card, while a lower foreign currency mark-up fee of just 2.5% is applicable on 6E Rewards XL – IndiGo HDFC Bank Credit Card . If you are a frequent flyer to global destinations, you should definitely consider this benefit while choosing a travel credit card for yourself, unless you plan to use a prepaid forex card for all foreign currency transactions.

How to Find The Right Travel Credit Cards?

In order to find the right travel credit cards for yourself, you will have to understand your travel requirements first. If you travel very often, you should go with premium travel credit cards irrespective of their higher fees as you would be able to save even more using these cards if used wisely. On the other hand, if you travel only once or twice every year, you can go with the basic travel cards that come with lower fees and offer 2-4 complimentary lounge access yearly. Other factors that you need to understand are whether you should choose co-branded or non-co-branded cards. If you travel via a particular airline frequently, you can go with a co-branded credit card issued by that airline.

How do Credit Card Points Work?

Credit Card Points are the rewards that you earn on making purchases using your credit card. Some cards offer accelerated rewards on certain categories and travel credit cards generally come with a higher reward rate on travel categories, such as flight bookings, hotel bookings, etc. These points work as your savings as these can later be redeemed against lots of options and even against the card’s outstanding balance. Let us understand this using a simple example. Suppose you have a credit card that offers air miles on all your spends and you have earned 10,000 Airmiles so far with every air mile equivalent to Re. 1. Now, if you want to book a flight worth Rs. 30,000, you can use these Airmiles and pay rest of the amount in cash. This is how you will be able to book a flight worth Rs. 30k with Rs. 20k only. Similarly, you can use Reward Points against other categories as well, such as shopping, dining, etc.

How Do Miles Work On Credit Cards?

Miles are offered as rewards with travel credit cards, which can be of two types: generic travel credit cards and co-branded travel credit cards. The generic travel credit card earn you airmiles which you can redeem to travel by any airline and through co-branded credit cards or airline brand-specific credit cards, you earn air miles that are redeemable against a particular airline. This card offers miles that can only be used to travel by that specific airline. Nevertheless, miles credit cards are extremely beneficial for those who travel often. The more one spends on that credit card, the more miles one earns.

When Should You Use a Travel Credit Card?

Travel Credit Cards are very advantageous for frequent travelers, but at the same time, you should also keep the fact in mind that these cards generally come with a higher annual fee. So, you should not just go with a travel credit card randomly, but get it only if you are someone who has all the following requirements:

• You travel domestically as well as internationally very often. However, basic cards are always good even if you travel only once or twice every year, but don’t get a super-premium card with a high annual fee in that case.
• You don’t want to compromise with your luxuries even when you are traveling. One of the biggest reasons why travel cards have a high annual fee is because these cards offer complimentary lounge access and many more exclusive privileges, such as deals & discounts on flights and premium hotel bookings.
• You are a responsible credit card user. If you are not responsible enough to use a credit card, you won’t be able to maximize the benefits of a travel credit card and you will just end up paying a high annual fee without any benefits.

Do’s and Don’ts While Using a Travel Credit Card

It is never a good idea to go with a card without knowing how you can use it for maximum benefits and whether it will be worth it or not. Here are some important do’s and don’ts that you should keep in mind while using a travel card:

• Make sure to understand your travel requirements before you choose a travel credit card for yourself.
• If you have got complimentary lounge access with your credit card, you should register it as soon as you receive your card or at least understand the process so that you don’t face any difficulties at the last minute.
• Redeem your reward points/Airmiles against a category that gives you the maximum conversion value.

Don’ts

• Never let your rewards/air miles expire without redeeming them for your benefit. You should be aware of the validity of your card’s reward points and redeem them before the expiry date.
• Don’t delay/miss your credit card bill payments as the additional charges like interest & late payment fees might be even more than the benefits that your card is offering.
• Before making any large purchases, check if you can use your rewards to get some vouchers that will reduce your overall spend.

How to Apply for Travel Credit Cards in India

The application process for a travel credit card, just like any other credit card, is usually very simple. You can apply for travel credit cards through Card Insider-

• Visit the review page of the credit card you want to apply for on Card Insider.
• Click/tap on the “ Apply Now ” option.
• You will be redirected to the official credit card page on the card issuer’s website.
• Now proceed with the application on the card issuer’s website by entering the requested details in the designated fields.
• Upload the required documents on being prompted. You will be required to upload identity proof, address proof, and proof of income unless you already have an existing relationship with the card issuer (like a savings/fixed deposit account or an existing credit card account).
• Once you have successfully submitted your credit card application it will be evaluated by the card issuer to determine your eligibility for the credit card applied for.
• If you are eligible for the card, the card issuer will mail the card at our address, usually within 15 days of application submission.

Best Travel Credit Cards for Beginners

While most travel credit cards are either premium or mid-level cards, some card issuers also offer travel cards in the entry-level category. Most entry-level travel credit cards are co-branded cards offered in partnership with an airline or IRCTC. Entry-level travel credit cards do not offer premium benefits like complimentary international airport lounge access or complimentary membership of hotel loyalty programs, while most of them do offer complimentary domestic airport lounge access (or IRCTC lounge access in case of IRCTC co-branded cards) and an accelerated reward rate or a higher Reward Points redemption rate on travel spends. Listed below are some of the best travel credit cards for beginners-

IRCTC SBI Platinum Credit Card

The IRCTC SBI Platinum Credit Card, an entry-level travel credit card by SBI Card is launched in partnership with IRCTC. The card comes with a membership fee of Rs. 300 per annum (joining fee of Rs. 500 applicable in the first year), and being an IRCTC co-branded credit card, you also get special benefits on rail ticket bookings. Some of the salient features of IRCTC SBI Platinum Credit Card are-

• 10% value back as Reward Points on booking railway tickets via the official IRCTC app/website.
• 1.8% transaction surcharge waiver on booking rail tickets via IRCTC mobile app/website.
• The card earns you 1 Reward Point per Rs. 125 spent except for spends on IRCTC or fuel (on IRTC spends, you get a 10% value back as mentioned earlier).
• Redeem reward points to book railway tickets- the Reward Points are transferred to the IRCTC wallet of the IRCTC account linked with the card, 1 Reward Point = Re. 1.
• Although it is an IRCTC co-branded credit card, the card does not entitle you to any complimentary railway lounge access (as it is an entry-level offering).

IRCTC RuPay SBI Credit Card

IRCTC RuPay SBI Credit Card is another IRCTC co-branded credit card by SBI Card and IRCTC. The card is very much similar to the IRCTC SBI Platinum Credit Card in terms of the rewards and benefits that it offers except that you also get complimentary IRCTC lounge access with the IRCTC RuPay SBI Credit Card (1 complimentary visit every quarter) that IRCTC SBI Platinum Cart does not offer. IRCTC RuPay SBI Credit Card, just like IRCTC SBI Platinum Credit Card, also has an annual fee of Rs. 300 (joining fee of Rs. 500 applicable in the first year).

MakeMyTrip ICICI Bank Platinum Credit Card is a co-branded offering by ICICI Bank in collaboration with MakeMyTrip. It is an entry-level lifetime free credit card, although a fee of Rs. 500 is applicable on joining the card membership. Since it is an MMT co-branded credit card, you earn rewards as MakeMyTrip My Cash and earn MMT MyCash at an accelerated rate on all spends with the card. Some the key features of the MakeMyTrip ICICI Platinum Credit Card are-

• You get a complimentary MakeMyTrip Holiday Voucher worth Rs. 3,000 on successfuly joining the card membership.
• Earn My Cash on all categories of spends with the card. My Cash is earned on the card as per the following table-
• You can earn 1,000 MMT My Cash on spending a minimum of Rs. 50,000 with the card on flights/hotels/holiday bookings on MakeMyTrip website/mobile app or on spending a minimum of Rs. 2.5 lacs (all spends categories included) with the card in an anniversary year.
• Get 1 complimentary access to domestic airport lounges (every quarter) on a quarterly expenditure of Rs. 5,000 or more.
• You are also entitled to 1 complimentary access to IRCTC Executive Lounge at select railway stations across the country.
• Get up to 25% discount on the purchase of a minimum of 2 tickets from BookMyShow in a single transaction (maximum discount capped at Rs. 100 per transaction and can be availed for a maximum of 2 times in a given month).
• You are also entitled to complimentary discounts on dining bills at partner restaurants on paying with your MakeMyTrip ICICI Bank Platinum Credit Card.

Yatra SBI Card is a co-branded offering by SBI Card in collaboration with the travel portal Yatra. The card comes with annual fee of Rs. 499 and offers special benefits on the Yatra portal including discounted rates on bookings made via the Yatra website/mobile app and complementary Yatra vouchers on joining the card membership. Following are the key features of the Yatra SBI Credit Card are-

• Yatra vouchers worth Rs. 8,250 as a welcome gift on joining the card membership.
• Exclusive travel benefits from Yatra including a discount of Rs. 1,000 on domestic flight bookings (min transaction of Rs. 5,000 required to avail of the benefit), a discount of Rs. 4,000 on international flight bookings (min transaction amount of Rs. 40,000 required to avail of the benefit) and 20% off on hotel bookings on a minimum booking amount of Rs. 3,000 (max discount on hotel bookings is capped at Rs. 2,000 in a month). All these discounts can be availed of by using the promo code TRAVEL at the time of check-out. The promo code can be used for a maximum of 6 times in a calendar year.
• Yatra SBI Credit Card earns you 6 Reward Points for every Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment (up to 5,000 Reward Points per month) and international spends (Up to 5000 Reward Points per month).
• All other categories of spends earn 1 Reward Point for every Rs. 100 spent with the card.
• Yatra SBI Credit Card also offers air accident cover (worth Rs. 50 lacs) to the primary cardmember.

Best Credit Cards with No or Less Foreign Currency Mark-up Fee

Almost all credit cards charge a mark-up fee on foreign currency transactions. The usual foreign currency mark-up fee applicable on most credit cards is 3.5% of the conversion amount. However, there are some premium and mid-range travel credit cards for which the foreign currency mark-up fee is either zero or very less. Some of such travel credit cards are RBL Bank World Safari Credit Card, Club Vistara IndusInd Bank Explorer Credit Card and IndiGo 6E Reward XL HDFC Bank Credit Card .

It is worth noting that apart from these travel-specific credit cards, some other premium credit cards also offer a lower foreign currency mark-up. For example, the foreign currency mark-up fee charged on HDFC Infinia and Diner Club Black Credit Cards is also less than 2%.

Bottom Line

As you can see there are various credit card sub-categories within the travel category, which are targeted towards the specific niches of customers. For example, if you’re a frequent domestic flyer, a co-branded credit card by IndiGo or Vistara would make more sense for you than an Emirates of Etihad credit card. Similarly, if you prefer trains over flights, IRCTC cards will fit your needs the best. Therefore, it becomes important to choose the right travel credit card considering your travel needs.

• 6E Rewards XL - IndiGo HDFC Bank Credit Card
• 6E Rewards - IndiGo HDFC Bank Credit Card
• IRCTC Credit Cards by SBI
• Citibank Premier Miles Credit Card
• Etihad Guest SBI Premier Card
• Standard Chartered Emirates World Credit Card
• American Express Platinum Travel Credit card

You must use Club Vistara IDFC First Credit Card if your rent is above Rs. 23,000 per month. You can get 3 Premium Economy Tickets easily + 8,000 CV Points (equivalent to 2 Economy Tickets or 1 Premium Economy Ticket). That’s a total of 4 Premium Economy Tickets worth Rs. 30,000! (Assume 7500 per ticket) That’s an effective return of approx. 10%

Hello I am using Axis Ace card and Samsung Infinite Credit card want Visara Infinite Credit Card I called customer care to upgrade to Vistara infinite card they said not eligible for Vistara Infinite Credit card, but I want this card so please let me know how can I own this card.

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10 Best Credit Cards for Travel in India

• September 20, 2023
• 25 min read

Do you want to roam around the world with lots of offers in your pocket? Then scroll through our exhaustive list of the best credit cards for travel in India covering the fee, benefits, rewards, and other offers.

As 2019 is at its midway, who doesn’t want to see the world and explore? Almost all the people you know must be busy making ambitious travel plans? You need to estimate all in advance be it the flight costs or the right hotel of your budget. These days you can find a lot of attractive travel packages if you use your credit card to book these travel packs and enjoy all the offers and benefits.

To make it more rewarding, banks recommend travel credit cards for frequent travelers to avail of such offers like bonus miles, lounge access, travel membership, and a lot of other privileges. It makes traveling more convenient and a lot more enjoyable as you spend a significantly less amount than what you would have paid not using your credit card.

Also, credit cards make a scope of substantial savings as swiping your card would get you quite a good number of discounts and redeemable points.

The travel credit cards are a boon for all travelers, which helps them transact without carrying any foreign currency. If you frequently travel, whether it is for work or pleasure, you must know the benefits of a travel credit card.

Let’s look at the various benefits of using a Travel Credit Card.

• Earn reward or payback points every time you use the card: Generally, the travel credit cards offer reward or payback points in two ways – first, when you get the substantial sign up bonus and second, whenever you use your card for making a transaction whether online or physically.
• Zero foreign transaction fees:  Almost all credit and debit cards charge a specific transaction fee whenever you make a payment in foreign currency, or you use it in a foreign country. Generally, the fee is around 2.5% to 3% of the transaction amount, which can be a burden on your monthly credit card bills and become a financial threat in your life, this is where travel credit card comes in as the best travel credit card in India comes with zero foreign transaction fee.
• Insurance against accident/mishap:  The best travel credit card provides travel insurance or travel accident cover, which helps you in claiming a reimbursement if any mishap happens to you or your family members during your trip.

There are many more benefits to taking the best travel credit card, and to help you select the best credit card for travel, we have some suggestions that can help you stand out and help you save a huge amount of money:

1.Axis Bank Privilege Credit Card

This credit card requires you to spend 2.5 Lakh and doing so will later make you eligible to get INR 7500 value back as reward points & travel vouchers from Yatra. Every traveler would prefer owning this credit card because its greatest feature is 100 percent acceptance, so you need not worry about the time and place you are using it.

The special thing about vouchers is that it can be used for domestic/international flights, hotels, and holiday bookings as an additional perk.

Eligibility:

• Primary cardholders should be between 18 to 70 years of age.
• He/She must be a resident Indian or an NRI.
• Having an active credit history.
• Able to submit relevant documents.
• It is mandatory to use your credit card at least three times in 2 months.
• You can redeem 12,500 Reward points.
• You can use a single voucher at a time. Also, for a single booking, you can’t combine two vouchers.
• It is valid for 4 months.
• Cardholders get 2 complimentary lounge access to domestic airport lounges per quarter.

Axis Bank Privilege Credit Card Reward points

• It has a reward rate of 1% which means 10 Points on every INR 200 spend.
• As you spend INR 2,50,000, you can get Yatra vouchers worth INR 5,000. That a reward rate of 2%.

Keeping in mind the perks received from both reward points and travel vouchers, it makes up to a total of a 3% reward rate that is almost near to rewarding rates on super-premium credit cards. Thus to enjoy this credit card to its credit advantage, you need to spend a minimum of INR 2,50,000.

Fees and Charges:

2.HDFC Diners Black Credit Card

This credit card is a must-own for air travelers. The HDFC’s Diners Club Black super premium credit card gives you unlimited access to airport lounges with no extra cost. The credit card allows you to enjoy 700+ lounges in India and worldwide with no specific requirement of having a priority pass.

In addition to it, the credit card allows you 5 reward points worth INR 5 on swiping of INR 150. Thus you can save 3.3% directly using this credit card in your travel as well as day to life.

Annual Charge and Perks

Its annual fees depend on two patterns that are the first year and then from the second year onwards.

For the first year, it is INR 10,000. You need to spend INR 5 lakh to get next year’s fee waived. From the second year onwards the fees that you need to pay annually are INR 5,000.

If you have a close look at the welcome gifts are equal to the annual fee. Thus you can avail of all the benefits with no pressure on your pocket.

Also, there is a necessary condition with this credit card that you should have a minimum annual income of INR 21 Lakhs to own this credit card.

• You will get INR 2 Crores of Air accident cover, INR 50 Lakhs cover for Emergency medical expenditures, INR 9 Lakhs cover for Credit card liability and INR 55,000 Travel insurance cover on baggage delay as well.
• You should have this credit card to get the free lounge access and enjoy the luxury.
• Earn 5 reward points for every Rs.150 spent on the card except on fuel transactions.
• Welcome Gift and the renewal bonus points. For the First-year you are entitled to a welcome gift of 10000 points. And when you renew your credit card, it offers you 5000 rewards points.
• Enjoy exclusive discounts at leading spas, salons, and gyms.

Eligibility :

3.ICICI Sapphiro Credit Card

There are two types of ICICI Sapphiro Credit Cards

• Sapphiro Mastercard: Sapphiro Mastercard allows you 2 payback points per INR 100 on domestic 4 payback points on the international one.
• Sapphiro Platinum American Express Card: Sapphiro Platinum American Express Card allows you 3 payback points per INR 100 and 6 payback points on domestic and international spending, respectively.

To add on you would get complimentary 2 international and 16 domestic airport lounge visits every year with both the options of credit cards available to you.

Annual charges

For the first year, the annual charges are INR 6500, and after that, the renewal fee that you need to pay is INR 3500 which can be waived off in case your spending makes up to INR 6,00,000.

The ICICI Sapphiro credit card offers you plenty of welcome benefits of worth INR 10,000. The details of the vouchers include Shoppers Stop Voucher worth INR 3000, 4 EaseMyTrip Vouchers worth INR 1000 each, 4 Ola vouchers worth INR 250 each, 2 Zomato vouchers worth INR 500 each, Croma Voucher worth INR 1000.

4000 Payback points on spending INR 4 Lakhs and an additional 2000 payback points each time you cross INR 1 Lakh in the years to come are also offered.

• Only Indian Citizens can apply for this credit card.
• He/she must be over 21 years but below 65 years of age.
• The applicant must have a regular source of income.
• The customer must have all the necessary documents.
• Renewal Fee Waiver – The renewal fee is waived off if the user spends Rs. 5.00 lakh in the previous year.
• Movie Offers –  Customers get a free movie ticket, worth up to Rs.500, on every movie ticket they purchase.
• Milestone Benefits – 1.) 4,000 points on spending Rs. 4.00 lakh 2.) Additional 2,000 points on crossing Rs. 1.00 lakh 3.) Maximum 20,000 points can be earned in a year

Several other benefits of the credit card are offered to you if you go for this travel credit card like 1 payback points on INR 100 spent on fuel, utilities, and insurance, get up to INR 500 off on the second ticket you buy, 15% savings on eating out, 4 complimentary rounds of golf each month at the golf course,1% fuel surcharge waiver and 2 complimentary domestic airport spa visits in a year.

4.Kotak Royale Signature Credit Card

Royal signature credit card is the most appropriate for the out of box travelers who like spending on travel agencies, tour operators.

• Age limit between 21 to 65 years.
• He/she should have an annual income above Rs.24 Lakhs.
• He/she should be a Resident of India.
• The Kotak Royale Credit Card gives 4X bonus points per INR 150 spend on Air ticket bookings, hotels, restaurants, travel agencies & tour operators and package tour operators spend.
• It allows you 8 complimentary domestic lounge access every year.
• The annual charges are the most reasonable here INR 999 and a waiver on the spend of INR 1,00,000. Also, the welcome gift for cinema lovers is a Bookmyshow voucher.
• Spend of INR 4,00,000, you get 10,000 reward points, and with the spending of INR 8,00,000, you get 30,000 reward points.
• Enjoy 1% fuel surcharge waiver, while booking train ticket INR 500 of railway surcharge waiver on www.irctc.co.in.
• It also provides a recovery INR 2.5 Lakhs of in case the is a Credit Card stolen.

5.American Express Platinum Travel (Amex)

What makes Amex Platinum Travel credit card the best credit card for travel in India is that the credit card allows you free lounge access and a great deal of travel gift vouchers.

It gives you the benefit of having access to 4 complimentary lounges visit in a year. It provides you worth INR 17, 000 one of the best deals for a travel voucher,

Also if you spend more than INR 4 Lakhs in a year, you can have the benefit of having Taj Hotel Gift Vouchers at your ease.

Annual Charges and Perks

The annual charges for the First-year are INR 3500 and INR 5000 from the second year onwards.

The other such perks you get for owning this travel credit card are that it gives you a travel voucher on spending more than INR 1.9 Lakh in a year worth INR 6,000. Beyond the spend of INR 4,00,000, you get 10000 milestone reward points.

As you hit the 4 Lakh milestone on your credit card, you get the premium Taj Hotel gift voucher  worth INR 10,000.

Its additional advantages include it offers you 1 reward point per INR 50 spent, the value of each reward point is min 40 paise, it makes to a suitable travel credit card as it gives you several offers on MakeMyTrip, it gives you a lot more redemption options, and it has a zero lost card liability.

6.Yes Preferred Credit card

Yes, Preferred Credit Card is one of the best travel credit cards that offer complimentary 4 international and 12 domestic lounge visits each year.

• Spend Rs. 7.5 lakh in a year and earn 20,000 bonus reward points.
•   Make the first transaction within 90 days of card issuance and get 15,000 bonus reward points. Get 10,000 extra reward points on each renewal.
• Yes Preferred Credit card user can easily convert reward points into JPMiles (4 Points = 1 JPMile)
• Complimentary Priority Pass Membership giving 4 complimentary visits to the primary cardholder in a calendar year.
• You can get up to 36000 bonus points in the very first year. You get 15000 points as a welcome gift, 20,000 milestone points on spending INR 7.5 Lakhs. You earn 1000 points on every YES PayNow registration. These reward points can be redeemed for hotel and flight bookings.
• Enjoy fuel surcharge waiver across all fuel stations in India for transactions between Rs. 400 and Rs. 5,000.

Yearly Fees & Renewal Fees of INR 2500. Apart from this, you get 15000 points in the first year and 10000 points on each renewal of your credit card.

The other significant benefits of owning this credit card include 8 reward points on travel agencies & tour operators, Indian airlines and eating out, 4 reward points on all types of spending, Preferential foreign currency markup of 1.75%. You get a Life Insurance Cover of INR 1.5 crore for flight accidents, medical insurance coverage of INR 2.5 Crore when traveling overseas and credit card cover if accidental death of primary cardholder takes place.

You can own a Yes Preferred credit card if your monthly income is INR 2 Lakhs or above or you can get the card by making a fixed deposit of INR 3 Lakhs and above.

• He/She be a minimum of 21 years.
• He/She is not over 60 years.
• Your minimum net monthly salary should be Rs.2 lakh.
• If you are self-employed, your Income Tax Return should be Rs.24 lakh or more.
• Or, you should have a fixed deposit with YES Bank of Rs.3 lakh or above.

7.Citi Premier Miles Credit Card

Booking your tickets with any airlines using the Citi PremierMiles credit card and doing so will fetch you 10 miles for every INR 100 spent.

You are also entitled to 8 complimentary domestic lounge access per quarter on Visa Signature card and can enjoy 6 domestic lounge visits access MasterCard World card every quarter. The important thing here to take note of is that there is no complimentary access to lounges internationally with the Citi Premier Miles Credit Card.

Annual charges of the credit card are INR 3000. Also in case you are a premium customer, you get waived from the charges for the first year.

The privileges you enjoy as the welcome gift includes with your first swipe of INR 1000 you get 10,000 Miles. A perfect thing for travellers here is that this card gives you 3000 of travel miles even during the renewal and also these miles can easily be availed at a variety of websites while booking your tickets including MMT, Goibibo, Indigo, Yatra, Bookmyshow, IndianOil, Amazon, Flipkart for domestic and international airlines. The redemption value varies from one site to another.

The other such benefits include 4 Miles for every INR 100 spent; it also provides cover INR 2 Lakhs in case the credit card is lost. Up to 15% discount on dining at certain specific restaurants.

• He/She must be at least 21 years of age.
• He/She must be within 65 years of age.
• The income criteria differ from time to time and will be communicated when you apply for the card.
• You should be a resident of India or a Non-resident of India.

8.SBI Elite Credit Card

With 8 domestic and 6 international lounge access in a year SBI Elite Credit Card makes it the best travel credit card. To add on, it offers 10 points per INR 100 spent on dining, departmental stores, grocery & international spends.

Annual charges for the credit card are INR 4999, and you will get a welcome gift worth INR 4999, which automatically brings this card to you at no extra cost. You can get your annual charge waived if you spend INR 10,00,000 using your credit card.

The additional benefits include 10,000 bonus reward points on achieving annual spending of INR 3 lakhs and INR 4 lakhs and 15,000 bonus reward points on achieving annual spending of INR 5 lakhs and INR 8 lakhs.

These reward points can be used for travel booking. You would be surprised to know that you save 1.5% only through reward points itself.

Some other benefits that the credit card offers are 10 points per INR 100 spent on dining, departmental stores, grocery & international spends, 2 points per on all other spends, 9 Vistara points for every INR 100 spent on Vistara flight bookings., Free 2 movie tickets worth INR 500 every month, 1% fuel surcharge waiver, 1.99% foreign currency mark-up.

• He/She must be in the ages of 18-70 years.
• The add-on cardholder must be above the age of 15 years.
• The applicant must be a citizen of India.
• A credit score of 750 or above is essential to be eligible for the card.

9.SBI Air India Signature

SBI Air India Signature suits your need the best if you travel via Air India Flights. With this credit card when you use it to travel will fetch you 30 reward points per INR 100 spent on AirIndia tickets. Note that you get 30 points when you book it for yourself and 10 when you book it on behalf of someone else. It also gives you 8 complimentary lounge access in domestic airports. In the case of an International airport lounge, you have to pay $27 per visit through the Priority Pass Program.

An annual charge of bringing this credit card to use is   INR 4999

The welcome gift and reward you get on joining it are   20,000 reward points and later in the Second-year 5000 reward points. Also, you might get cumulative reward points of 1,00,000 as you cross the milestone. The other benefits include 4 Reward points for every INR 100 spent and 10 Reward Points spent on SuperSaver booklet being bought.

• You must be an Indian citizen.
• The age of the primary credit cardholder must be above 18 years of age.
• The applicant must have a high credit score.

10.SBI IRCTC Credit Card

It makes the best travel credit card for the railway traveler, designed explicitly for them. SBI IRCTC credit card is the only credit as such. It allows you a 10% discount and in case you prefer traveling in AC classes, the credit card provides you with plenty of reward points for booking in AC coaches.

You save 11.8% on all train travel spends, what else do you need. Also, it does not charge the transaction fees while you use the SBI IRCTC Credit Card. Note that you can redeem points only on the IRCTC website to be specific.

Annual charges of the credit card as minimal as INR 500 for the first year and after that renewal fees of INR 300 is charged from the next year onwards. You are also given 350 bonus points as a welcome gift.

The additional benefits of having the SBI IRCTC Credit Card are:

• It allows you 1 reward point on the spending of every INR 125 (except for fuel expenses).
• For the fuel, you get a 1% fuel surcharge across all petrol pumps.
• Using your credit card in the first 30 days allows you a cashback of INR 100 on its first swipe.
• He/she should be a Resident Indian.
• He/she should have a good credit history.
• He/she must be above 18 years and below 65 years of age.

Travel credit cards offer a comprehensive range of benefits that can be availed by the credit cardholders while relishing their holiday. From offering welcome gifts to providing complimentary airport lounge access and fee waivers, travel credit cards offer a wide variance of highlights and bonuses catering to the needs of frequent travelers. Thus get the travel card to make the greatest of our trip and have fun overseas without wasting much.

Sushma Singh

Sushma is an expert in online money-making strategies with extensive experience in business. She has spent a lot of time researching and writing about the ever-changing world of money-making games and websites, making her an expert at finding ways to make money online. Her work, largely based on research and useful information, helps both new and experienced gamers and business owners.

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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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Best Credit Card for Travel in India

Team Finology

Created on 06 Jul 2023

Wraps up in 6 Min

Read by 5.6k people

Updated on 12 Mar 2024

In an era where travel has become integral to our lives, finding the right financial tools to enhance our experiences is crucial. Among the many options available, travel credit cards have emerged as a popular choice for frequent flyers and wanderlust enthusiasts. Whether travelling for business or leisure, you can make your trips more enjoyable and economical by choosing the right credit card. A travel credit card can help you earn rewards on your travel expenses, get discounts on flights and hotels, enjoy complimentary lounge access, save on foreign currency conversion fees, and get travel insurance and other benefits. These cards not only offer exciting rewards and benefits but also provide a sense of financial security while exploring the world.

But how do you choose India's best travel credit card for 2024? There are many factors to consider, such as the annual fee, the reward rate, the redemption options, the co-branded benefits, the eligibility criteria, and the customer service. So, to help you out, we have compiled a list of the top 5 travel credit cards in India for 2024 based on these factors.

Best Credit Card for Travel India

1. axis bank vistara signature.

The Axis Bank Vistara Signature Credit Card is just like having a loyal travel companion by your side. In association with Air Vistara, this high-end co-branded card offers a delightful surprise—a complimentary Club Vistara Silver membership.

Being a travel credit card, it provides a wide range of travel advantages, such as free domestic airport lounge visits, benefits from travel-related insurance, free flights, a free Club Vistara Silver Membership, etc.

Fees and Charges

Eligibility

Applicant’s age should be between 18 and 70 years, and their annual income should be at least ₹6,00,000.

2. Standard Chartered EaseMyTrip Credit Card

The Standard Chartered EaseMyTrip Credit Card can be your gateway to the best travel deals! This co-branded gem between Standard Chartered Bank and EaseMyTrip, India's leading online travel portal, offers exclusive discounts on bookings, complimentary lounge access, and an annual fee waiver. So, travel smart and save big with the Standard Chartered EaseMyTrip Credit Card.

Applicant’s age should be between 21 and 65 years, and they must have a stable income.

3. SBI ELITE Credit Card

If you are looking for a premium credit card that offers you a range of benefits across travel, shopping, movies, and more, you might want to consider the SBI ELITE  Card . This card lets you earn reward points on all your purchases, which can be redeemed for air miles, gift vouchers, or cashback.

You also get complimentary movie tickets worth ₹6,000 every year, free lounge access at domestic and international airports, a low foreign currency markup fee of 1.99%, and a Club Vistara Silver membership.

If the applicant is self-employed, then he/she must be aged between 21 to 60 years, whereas if the applicant is a salaried individual, then he/she must be aged between 18 to 65 years. In both cases, the minimum monthly income of the individual should be ₹60,000.

4.  American Express Platinum Travel Credit Card

With its focus on travel and lifestyle benefits, the American Express Platinum Travel Credit Card is a must-have for avid travellers. The card offers attractive welcome bonuses, accelerated reward points on travel spends, and exclusive discounts on hotel bookings. Additionally, its tie-ups with leading airlines and hotel chains ensure that you enjoy a seamless travel experience from start to finish.

Applicant’s age should be at least 18 years, and their annual income should be a minimum of ₹6,00,000.

5. HDFC Bank Diners Club Premium Credit Card

The HDFC Bank Diners Club Premium Credit Card is a premier financial companion that combines luxury, convenience, and remarkable benefits. With this card in your wallet, you gain access to a world of exclusive privileges, including airport lounge access, travel concierge services, accelerated reward points, and attractive discounts on dining and lifestyle experiences.

If the applicant is self-employed, then he/she must be aged between 21 to 65 years and should have a minimum annual income of ₹7.2 Lakhs. Whereas if the applicant is a salaried individual, then he/she must be aged between 21 to 60 years and should have a minimum monthly income of ₹60,000.

Choose the right travel credit card to make your travel plans less expensive and stressful. We have provided information about the top 5 travel credit cards for 2024 in India, catering to different types of travellers. Compare them based on your preferences and select the one that suits you best. Use Select by Finology's smart comparison tool and apply online through our secure platform.

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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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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.

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American Express® Platinum Travel Credit Card

Key benefits, travel vouchers, additional travel vouchers, airport lounges, taj experiences e-gift card.

• Earn 1 Membership Rewards Point for every 2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale 2 .
• You earn Milestone Bonus Membership Rewards Points on the following three Milestones as defined below: • Spending Rs. 15,000 within 90 days of Cardmembership entitles you to a Welcome Gift 1 . • Reaching spend threshold of Rs. 1.9 Lacs every year 7 . • Reaching spend threshold of Rs. 4 Lacs every year 7 .
• I am over 18 years of age
• I have an Indian or multinational bank’s savings or current account in India
• I have a good credit history and no payment defaults
• I have a personal annual income of Rs. 6 Lacs or above (for both Salaried, Self Employed)
• I have a permanent residential address in India
• If self-employed: My company has been trading for more than 12 months.
• I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru subject to condition.
• I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status.

The best ways to fly to India with points and miles

India is a top destination for many travelers. You can occasionally find flight deals to India, especially if you are patient and have flexible travel dates. If you find a good flight deal, you may want to use a credit card travel portal to book your flights .

Otherwise, you may want to redeem points and miles for flights to India . This guide will discuss some of the top airline loyalty programs to use when booking award flights between the U.S. and India.

Whether you are booking paid flights or award flights, remember to consider booking positioning flights in the U.S. and India. Doing so may unlock more award options or better pricing. Let's get started.

Related: Best credit cards for airport lounge access

ANA Mileage Club

If you're looking to book a round-trip award, booking with ANA Mileage Club may be a good option. ANA is a member of the Star Alliance but also partners with some airlines outside Star Alliance, including Etihad Airways and Virgin Atlantic.

You can redeem ANA miles to fly round-trip between North America and Asia (which includes India) at the following rates:

• Economy : 55,000 to 70,000 miles on ANA-operated flights; 80,000 miles on partners.
• Premium economy : 84,000 to 99,000 miles on ANA-operated flights; not available on partners.
• Business : 100,000 to 115,000 miles on ANA-operated flights; 136,000 miles on partners.
• First : 195,000 to 210,000 miles on ANA-operated flights; 240,000 miles on partners.

You'll still pay these rates even if you fly one-way. So you'll only want to consider ANA Mileage Club if you plan to book a round-trip award.

For example, here's an economy round-trip award operated by Singapore Airlines that you can book for 80,000 ANA miles plus 84.30 Singapore Dollars (about $64):

However, taxes and fees are a lot higher on ANA-operated awards. Here's a premium economy round-trip award operated by ANA that you can book for 94,000 ANA miles plus 817.90 Singapore dollars (about $618):

If you need to earn ANA miles to book your award, you can transfer American Express Membership Rewards points at a 1:1 ratio or Marriott Bonvoy points at a 3:1 ratio (with 5,000 bonus miles for every 60,000 points transferred).

Related: Quick Points: Book mixed-cabin awards with ANA Mileage Club to stretch your miles

Virgin Atlantic Flying Club

Virgin Atlantic Flying Club is another option for flights between the U.S. and India.

You can redeem for flights on Virgin Atlantic, although the taxes and fees are often too high for this to make sense. For example, consider the following off-peak awards from New York to Mumbai via London:

The award costs jump higher for Virgin Atlantic-operated awards on peak dates, though. Combined with the high taxes and fees, these awards won't appeal to most travelers.

You can also redeem Virgin points according to off-peak and peak zone-based charts for long-haul flights operated by Air France and KLM. Here's the pricing you should see for one-way awards between the U.S. and India operated by Air France or KLM:

• Economy : 28,000 points off-peak to/from eastern U.S., 38,000 points peak to/from eastern U.S., 31,000 points off-peak to/from central or western U.S. and 41,000 points peak to/from central or western U.S.
• Premium economy (only on Air France): 56,000 points off-peak to/from the eastern U.S., 76,000 points peak to/from the eastern U.S., 62,000 points off-peak to/from central or western U.S. and 72,000 points peak to/from central or western U.S.
• Business : 110,000 points off-peak to/from eastern U.S., 120,000 points peak to/from eastern U.S., 122,500 points off-peak to/from central or western U.S. and 132,500 points peak to/from central or western U.S.

But in practice, the rates you'll see for awards operated by Air France and KLM on the Flying Club website may not match the award chart rates. For example, these awards operated by Air France and KLM cost 27,000 points (1,000 points less than we'd expect).

If you want to earn Virgin points , you can leverage the following transferable currencies:

• American Express Membership Rewards points at a 1:1 ratio.
• Citi ThankYou Rewards points at a 1:1 ratio (if you have the Citi Premier® Card (see rates and fees ) or the Citi Prestige® Card , which is no longer open to new applicants).
• Chase Ultimate Rewards points at a 1:1 ratio.
• Bilt Rewards points at a 1:1 ratio.
• Marriott Bonvoy points at a 3:1 ratio (with 5,000 bonus points for every 60,000 points transferred).
• Capital One miles at a 1:1 ratio (to Virgin Red ).

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: When and how to book Delta awards with Virgin Atlantic Flying Club

Flying Blue

The Flying Blue program is another option for award flights between the U.S. and India. One-way awards between the U.S. and India start at 35,000 miles in economy, 65,000 miles in premium economy and 95,000 miles in business.

For example, we could book the one-way KLM-operated economy award that costs 27,000 Virgin points plus $219 (see the previous section) for 35,000 Flying Blue miles plus $125.

Finding business class awards at the starting rate of 95,000 miles can be challenging. But you can easily check award pricing by cabin around your desired travel dates by looking at the bar above the results. Unfortunately, as you'll see in the one-way business class award example below, the taxes and fees are rather high on business class awards.

If you want to earn Flying Blue miles , you can transfer any of the following transferable currencies:

• Capital One miles at a 1:1 ratio.
• Citi ThankYou Rewards points at a 1:1 ratio (if you have the Citi Premier Card or the Citi Prestige Card ).
• Marriott Bonvoy points at a 3:1 ratio (with 5,000 bonus miles for every 60,000 points transferred).
• Bilt Rewards points at a 1:1 ratio to either Air France or KLM (both of which use Flying Blue as their loyalty program).

Related: This month's Flying Blue Promo Rewards

Air Canada Aeroplan

Air Canada Aeroplan award prices follow region-based award charts . The U.S. is in the North America region and India is in the Atlantic region. However, most one-way awards between the U.S. and India have a distance of 6,001 to 8,000 miles and hence are priced as follows:

• Economy : 55,000 to 80,000 points for Air Canada-operated flights; 55,000 points for partner-operated flights.
• Premium economy : 70,000 to 100,000 points for Air Canada-operated flights; not offered on partner-operated flights.
• Business : 85,000 to 200,000 points for Air Canada-operated flights; 90,000 points for partner-operated flights.
• First : 120,000 to 225,000 points on Air Canada-operated flights; 130,000 points on partner-operated flights.

However, if you combine Air Canada-operated flights with flights operated by partner airlines, you may see different pricing.

Aeroplan's rates are higher than what you'll find with other programs, especially once you consider the partner booking fee.

But, if you want to add in a stopover or have inflexible travel dates, you may find that the Aeroplan program is best for your trip to India. I had little trouble finding partner awards pricing as expected from major cities in the U.S. to major cities in India.

If you need to earn Aeroplan points for an award, you could use the Aeroplan® Credit Card . However, if you need points more urgently, you could leverage the following transferable currencies:

Related: Complete guide to Aeroplan's stopover and routing rules

Turkish Airlines Miles&Smiles

Turkish Airlines Miles&Smiles can be a good way to book Star Alliance awards between the U.S. and India. You can book round-trip promotional awards on Turkish Airlines or its partners between the U.S. and India at the following rates:

• Economy : 68,000 miles.
• Business : 105,000 miles.
• First : 154,000 miles.

You can also book a one-way promotional award for half the cost in miles of a round-trip award. There's plenty of economy award availability on Turkish Airlines-operated flights from the U.S. to India for 34,000 miles plus $128.80 one-way.

You can also find some availability on Star Alliance partners. For example, here's a one-way business class award on an Air India-operated flight from New York to Delhi for 52,500 miles plus $277.90.

If you want to earn Turkish miles to book an award, you can transfer Capital One miles at a 1:1 ratio, Citi ThankYou Rewards points at a 1:1 ratio (if you have the Citi Premier Card or the Citi Prestige Card ), Bilt Rewards points at a 1:1 ratio and Marriott Bonvoy points at a 3:1 ratio (with 5,000 bonus miles for every 60,000 points transferred).

Related: 10 things to know about flying Turkish Airlines

Avianca LifeMiles

Avianca LifeMiles is another option you could use if you want to fly Star Alliance airlines between the U.S. and India.

You'll usually find one-way Star Alliance awards between the U.S. and India for 47,000 miles in economy, 90,000 miles in business and 120,000 miles in first.

But one interesting part of the Avianca LifeMiles program is how it prices mixed cabin awards. For example, you could pay just 3,330 miles more to fly Air India business class instead of economy class from Hong Kong to Delhi on the following award.

If you want to earn Avianca LifeMiles, you can transfer American Express Membership Rewards points at a 1:1 ratio, Capital One miles at a 1:1 ratio, Citi ThankYou Rewards points at a 1:1 ratio (if you have the Citi Premier Card or the Citi Prestige Card ) and Marriott Bonvoy points at a 3:1 ratio.

Related: Can't find award availability with Avianca LifeMiles? Don't give up until you try this trick

United MileagePlus

United MileagePlus offers reasonably priced economy awards between the U.S. and India on most dates. On most dates, you'll find one-way economy awards for 46,800 miles plus modest taxes and fees. For example, here's a calendar view of economy awards from Austin, Texas, to Delhi:

You'll likely end up on Air India if you're looking for the least-expensive one-stop routing:

But keep an eye out for other Star Alliance carriers, such as LOT Polish:

United MileagePlus awards between the U.S. and India are often expensive in premium cabins. So unless you have a lot of United miles , you'll likely want to utilize other programs if you want to fly in premium cabins. Here's an example of some of the least expensive business and first class awards I found between New York and Delhi:

If you want to earn United miles , you have multiple options. For example, you can use a United credit card or transfer rewards from Chase Ultimate Rewards at a 1:1 ratio, Marriott Bonvoy at a 3:1.1 ratio (with 5,500 bonus miles for every 60,000 points transferred) and Bilt Rewards at a 1:1 ratio.

Related: 6 things you need to know about United Airlines MileagePlus

Alaska Mileage Plan

Alaska Mileage Plan provides some nice options between the U.S. and India. Based on Alaska's new simplified award chart , you'd expect to see one-way awards starting at the following rates between the U.S. and India:

• Economy : 42,500 miles
• Premium economy : 55,000 miles.
• Business : 65,000 miles.
• First : 80,000 miles.

But in practice, you may find less-expensive awards when you search on Alaska's website. For example, here's a Japan Airlines-operated economy award from Seattle to Bangalore for 35,000 miles plus $31.

And here's a Japan Airlines-operated business award from New York to Delhi for 60,000 miles plus $30.

Alaska Mileage Plan may be very appealing if you want to build a stopover into your one-way award. For example, you can book the same Japan Airlines itinerary shown above with about a week stopover in Tokyo for the same number of miles and just slightly higher taxes and fees.

The primary downside of redeeming Alaska miles is the difficulty you may face in earning Alaska miles . That said, you can earn miles through Alaska credit cards , the Alaska Mileage Plan shopping portal and by transferring rewards from Marriott Bonvoy at a 3:1 ratio (with 5,000 bonus miles for every 60,000 points transferred).

Related: Maximizing redemptions with Alaska Airlines Mileage Plan

American AAdvantage

Finally, American Airlines AAdvantage provides some good options between the U.S. and India. You can fly one-way awards that involve American's partners between the U.S. and India at the following rates:

• Economy : 40,000 miles.
• Premium economy : 62,500 miles.
• Business : 70,000 miles.
• First : 115,000 miles.

You'll usually see reasonable taxes and fees if you avoid British Airways-operated flights. Also, American's large network within the U.S. makes it easy to connect within the U.S. at the start or end of your award.

It's relatively easy to find economy awards involving American's partners for 40,000 miles each way. For example, here's a one-way economy award on Qatar Airways-operated flights from Los Angeles to Bengaluru for 40,000 miles plus $41.80:

And here's a one-way business class award on Finnair-operated flights from Dallas to Mumbai for 70,000 miles plus $12.30:

The biggest downside of American Airlines AAdvantage awards is that it can be difficult to earn American miles . But you can earn miles through American Airlines credit cards , Bask Bank and the AAdvantage shopping portal . Plus, you can transfer rewards to AAdvantage from Bilt Rewards at a 1:1 ratio and Marriott Bonvoy at a 3:1 ratio.

Related: Maximizing redemptions with American Airlines AAdvantage

Bottom line

This guide discussed various ways to redeem points and miles for flights to India. The best program for you will depend on various factors, including award availability, what points and miles you currently have and how you want to fly.

Booking flights is just the start of your trip planning. Luckily, you can also redeem hotel points in India — and there are some excellent properties to consider. For example, Hyatt's Alila Fort Bishangarh near Jaipur is spectacular. You can stay at the world's only Category 1 Park Hyatt in Chennai . And the DoubleTree by Hilton Hotel Agra offers views of the Taj Mahal from its roof-top infinity pool.

If you don't want to plan what to do in India once you book your flights, Elsewhere (owned by TPG's sister brand, Lonely Planet) may be able to plan the perfect trip for you.

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Earn Rewards When You Travel with Standard Chartered Travel Credit Cards

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Travel credit cards

From cashback offers on duty-free spends to complimentary lounge passes, a travel credit card sets you up to fly with the best travelling experience possible, every time!

Benefits of Travel Credit Cards

You’re not going to miss out on shopping at the duty-free stores, so why not get a little something every time you do? The best travel credit cards are the ones that give you the most benefits, and Standard Chartered has quite a few of those. The SC Ultimate credit card lets you enjoy 5%* cashback on duty free shopping too so go ahead, splurge a little!

Travel credit cards can also get you good rewards. SC’s Ultimate credit card lets you earn 5 reward points on every INR 150 you spend, with 1 reward point being equal to 1 INR in value.

This benefit is pretty exciting too, as far as travel credit card offers go. The Standard Chartered Ultimate card offers 5%* cashback on all duty-free purchases, a benefit ranking right on top with the other favorite features for SC credit cards.

Lounge access

Access to airport lounges is perhaps a top favorite of all the travel card benefits available. The Ultimate credit card offers a complimentary Priority Pass membership granting you access* to over 1000 exclusive airports lounges across the world. You can also avail 2 complimentary Priority Passes for Domestic and International airport lounges every month on spend over INR 20,000 in a month.

Explore Cards offering Travel Benefits and compare their features

For most of us, travelling isn’t just about getting from one place to another; it’s about the experience, the journey as much as the destination itself. This is why travel credit cards are so popular these days. Standard Chartered travel credit cards offer the best benefits available in the market. Here’s an in-depth view into some of these benefits –

The Ultimate credit card

If you like to travel frequently then the Ultimate credit card will prove most convenient for you. It comes with an incredibly low foreign exchange markup fee of 2%* on overseas transactions and can complement your premium lifestyle perfectly. With this card in hand, you can enjoy rewards on travel expenditure and fine dining, as well as access to multiple airport lounges and golf courses across the world. The fact that it offers the highest reward value of 3.33% on all your spends certainly doesn’t hurt either!

The Visa Infinite credit card

Our Priority Banking customers can avail of exclusive, personalised services with the Priority Visa Infinite credit card, as a token of our appreciation for your continued support and relationship with us. Privileges also include a complimentary overseas air accident insurance cover of INR 1.2 crore as well as medical insurance benefits for your protection.

Documents Required to Apply for Travel Credit Card

The online application process for a Standard Chartered credit card is pretty straightforward. You will require a few basic documents which include:

• Passport size photographs (must be recent)
• Document showing proof of identity
• Document showing proof of address
• For salaried persons – previous month’s salary slip
• For self-employed persons – previous year’s ITR with computation of income/Last Business Continuity Proof

Proof of address includes –

• Driving license
• Passport copy
• Voter Id card
• Aadhaar card

For proof of identity you can use the same documents with the additional possibility of a PAN card.

Travel Credit Card FAQs

What type of travel privileges can my credit card provide?

Standard Chartered travel credit cards offer a wide array of complimentary features and benefits. Indulge yourself with airport lounge access, reward points for every purchase, fabulous cashback offers on duty free shopping and discounts on flight tickets bought on specific sites. You can even benefit from our complimentary travel insurance.

What makes credit cards worth it for travelers?

Travelling comfortably can be an unnecessarily expensive affair. This is why the best travel credit cards are ones that are designed to give you the elite travelling experience while going easy on your pocket.  There are also cashback offers, discounts on hotels as well as flight tickets and even complimentary overseas insurance coverage. The Ultimate credit card also offers a low foreign exchange markup fee of 2% on overseas transactions.

Imagine your flight is postponed, or you are stepping out after a really long plane trip to connect to your next. Nothing can help refresh your spirits better than those plush recliners, serene spaces, spas, assorted beverages and fine dining at most Priority Pass airport lounges. Your travel credit card is your mode of access into these places and you are free to relax, get work done or even freshen up before you continue on your journey.

What credit score is needed for a travel credit card?

Credit card scores tend to be higher for clients with a reputation of handling their credit responsibly and paying their bills on time. If your score is good, you are more likely to get approved by credit card companies for availing their premium travel credit cards.

How does a travel credit card work?

You do not have to be a frequent traveller to appreciate how much a travel credit card can enrich your travelling experience abroad or even within the country. The travel credit card comes with varied benefits, even as they help you make the most out of your money. Some of these benefits include:-

Cashback on duty-free spends – Let nothing hold you back from splurging at duty-free stores with the cashback deals on our travel credit cards. The Ultimate credit card, for example, will get you 5% cashback up to INR 1000 per month on your duty free spends. Shopping with our Ultimate credit card at these shops will get you 5% cashback too.

Complimentary overseas insurance – Your safety is our concern as well, and that is why we offer complimentary overseas air accident coverage of 1 – 1.2 crore with both our Ultimate credit card and our Priority Infinite Visa credit card.

Airport lounge access – The Ultimate and Priority Visa Infinite credit card also provide complimentary airport lounge access. Enjoy the perfect opportunity to relax and unwind after a particularly long or trying flight, away from the hustle and bustle of the airport, and indulge in fine dining and luxury facilities too.

How can I use my credit card for free travel?

You can travel for free by simply following a few basic steps with your credit card:

• Start by applying for the right travel credit card. Choose one that gives you the maximum reward points so that you can earn enough points to make the trip you want.
• Use your credit card regularly for all future purchases to continue earning points!

What is VKYC?

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Top 5 credit cards for airport lounge access in India – Know key features, benefits and annual fees

C redit cards offer several benefits like cashback, miles, vouchers, discounts, free priority pass membership, etc, to attract customers. One of their prominent offerings is free airport lounge access at select airports in the country and abroad. The facility of airport lounge access is available not only on travel credit cards but also on some other premium cards issued by banks.

Industry experts said the average cost for banks on per customer lounge visit at airports used to be Rs 600 in 2022, and it has now surpassed Rs 1,000 in 2024, making cards with the free lounge access feature more lucrative for travellers.

The best perk such cards bring with them is a free lounge access benefit, allowing travellers to spend time in a relaxing environment at bustling airports. At select airports, they are also served complimentary snacks and drinks in these lounges.

Also Read: CIBIL score 700 good or bad? How to get personal loan with low credit score in India

Take a look at top 5 credit cards providing lounge access at select airports in India and abroad, as per paisabazaar.com.

Source: Paisabazaar.com

1. HDFC Bank Diners Club Black Credit Card

HDFC Diners Club Privilege Credit Card offers a free lounge access facility to its customers. If you’re looking to earn high rewards and multiple benefits at a reasonable annual fee, you can go for this card. There are several other benefits like shopping, travel, rewards and more on this card.

HDFC Bank Diners Club Black Credit Card Fees

The joining fee for HDFC Bank Diners Club Black Credit Card is Rs 2,500. Its annual fee is also the same, Rs 2,500, but the bank waives this charge if your spending on the card is more than Rs 3 lakh in the previous year.

HDFC Bank Diners Club Black Credit Card Key Benefits

You can enjoy access to over 1,000 airport lounges globally using this HDFC Bank card and receive 12 complimentary airport lounge visits annually, for both domestic and international travel. Complimentary lounge access is also provided to add-on card members.

2. SBI Elite Credit Card

SBI Elite Credit Card is considered as one of the best credit cards with free airport lounge access facility. The card also offers several other benefits across multiple categories. This card gives you a high reward rate and a low foreign exchange mark-up fee of 1.99%

SBI Elite Credit Card Fees

SBI Elite Credit Card’s joinig fee is Rs 4,999 and the annual fee is also the same.

SBI Elite Credit Card key benefits

You get a complimentary Priority Pass Membership valued at $99 and also six complimentary visits to international lounges, with a maximum of two visits per quarter. You also receive two complimentary domestic lounge visits per quarter.

3. Axis Bank Select Credit Card

Axis Bank Select Credit Card is a lifestyle card but offers a free access to aurport lounges. This card stands out among its competitors as it comes at a low fee. The card also offers benefits to movie goers, shoppers, diners and more. Users get reward points on each purchase and also bonus points on reaching spending milestones

Axis Bank Select Credit Card Fees

Axis Bank has kept Rs 3,000 as joining fee and the same amount as annual fee for customers.

Axis Bank Select Credit Card key benefits

This card gives a complimentary Priority Pass Membership and allows 6 complimentary international lounge visits annually, apart from two complimentary domestic lounge visits per quarter.

4. SBI Prime Credit Card

SBI Prime Credit Card is considered as one of the best airport lounge access credit cards in India, The card offers international as well as domestic lounge access.

SBI Prime Credit Card Fees

SBI Prime Credit Card charges Rs 2,999 as joining fee and the same ammount as annual fee. The annual charge is waived if spending crosses 3 lakh in the previous year.

SBI Prime Credit Card Benefits

Wit this card, you get four complimentary visits to international priority pass lounges outside India (maximum 2 per quarter), and 8 complimentary domestic lounge visits in a year (2 visits per quarter).

5. HDFC Regalia Gold Credit Card

HDFC Regalia Gold Credit Card offers a lounge access facility for both primary as well as add-on cardholders. The card also comes with other benefits on travel, shopping and dining. You can also use reward points against the exclusive Gold Catalogue, for travel bookings and even convert them to Air Miles.

HDFC Regalia Gold Credit Card Fees

HDFC Bank has fixed the joining fee for this card at Rs 2,500 and the annual fee as same. Cutomers are charged annually Rs 2,500, which gets waived on spending Rs 4 lakh in a year.

HDFC Regalia Gold Credit Card Benefits

You can enjoy six complimentary airport lounge visits per year outside India via Priority Pass for both primary and add-on card members on completing minimum four card transactions. The card also offers 12 complimentary airport lounge visits per year within India.

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Pune (Maharashtra) [India], April 26: As the summer season approaches, embark on exciting adventures with credit cards available on Bajaj Markets. One can explore a wide range of travel credit cards designed to enhance their family trips and journeys. Beyond the convenience of secure digital payments, these cards make travel more rewarding, convenient, and cost-effective.

Travellers can earn rewards tailored to their preferences with airline and hotel-specific cards. These cards provide flexibility by allowing redemption across various options like flights, hotels, car rentals, and travel packages.

With travel credit cards, cardholders can get airport lounge access across global networks for a relaxing travel experience. One can also benefit from travel insurance coverage for trip cancellations, baggage loss, or medical emergencies with a travel credit card.

Some travel credit cards available on Bajaj Markets that one can opt for this summer include:

SBI ELITE Credit Card

* Access to Club Vistara Membership and Trident Privilege Membership

* Complimentary Priority Pass Program membership

* Free movie tickets worth Rs. 6,000 each year

* Welcome gift voucher worth Rs. 5,000

IRCTC SBI RuPay Credit Card

* Up to 1% savings on transaction charges for booking railway tickets

* Up to 10% value back as reward points on specific railway tickets

* 4 complimentary visits to select railway lounges in India

* RuPay offers on golf, dining, travel, etc.

IndusInd Bank Legend Credit Card

* Offers complimentary Priority Pass membership

* Access to 600+ airport lounges worldwide

* Air Accident Cover of up to Rs. 25 Lakhs

* Lifetime-free credit card

With a user-friendly interface and dedicated customer support, Bajaj Markets streamlines the process of exploring and applying for travel credit cards. To explore other categories of credit cards, visit the official website or download the app today.

Bajaj Finserv Direct Limited, a subsidiary of Bajaj Finserv, is one of the fastest-growing fintech companies in India. It has two primary arms, Bajaj Markets, a financial marketplace, and Bajaj Technology Services, a techfin service provider.

Bajaj Markets is a marketplace that offers multiple financial products across all categories – Loans, Cards, Investments, and Payments. Bajaj Markets has partnered with trusted financial brands to offer “India ka Financial Supermarket”. A one-stop destination where its customers can explore a host of products that can help them achieve their financial life goals.

Having started its journey as a fintech, Bajaj Finserv Direct has also built a very strong business as a techfin. Through Bajaj Technology Services, it offers a wide gamut of digital technology services which span Custom Applications, Enterprise Applications, Data & Analytics, Gen AI, Cloud Services and Digital Agency.

Visit the Bajaj Markets website or download the Bajaj Markets’ app from the Play Store or App Store to experience “India ka Financial Supermarket”.

(ADVERTORIAL DISCLAIMER: The above press release has been provided by NewsVoir. ANI will not be responsible in any way for the content of the same)

This story is auto-generated from a syndicated feed. ThePrint holds no responsibility for its content.

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Credit cards with all-round benefits can help maximise savings: top cards of hdfc bank, axis bank, sbi card, idfc first bank.

Top all-round credit cards: By choosing an all-round credit card, users can enjoy various benefits and maximize their savings on a range of purchases. Here is a look at credit cards with the best all-round benefits chosen basis the overall value offered by a card across multiple categories like shopping, dining, travel, movies and more.

• Complimentary annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 Months) and MMT Black as activation benefit (renewed every year on annual spends of Rs. 8 Lakh)
• 5 reward points for every Rs. 150 spent
• Up to 10x rewards via SmartBuy and 2x rewards on weekend dining
• Redeem rewards in 1:1 ratio at SmartBuy for hotel and flight bookings, and against Air mile conversion
• 1 reward point = Rs. 0.30 against cashback redemption and up to Rs. 0.50 against product catalog
• Unlimited airport lounge access for primary and add-on card members
• 6 complimentary golf games every quarter worldwide
• Low forex markup fee of 2%
• Any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
• Flat 10% extra off at dining bills via Swiggy Dineout
• Annual fee reversal on spending Rs. 5 Lakh in a year
• 1% fuel surcharge waiver across all fuel stations in India.
• Club Vistara Silver membership, MMT Black Elite membership and gift voucher worth Rs. 2,500 on card activation
• 4 reward points on every Rs. 150 spent (including insurance, utilities and education)
• 20 reward points on every Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
• Value of 1 reward point = Up to Rs. 0.65 or up to 0.5 air mile
• 12 complimentary lounge access within India at both International & domestic terminals
• 6 complimentary lounge access outside India via Priority Pass Membership on completing 4 retail transaction on the card
• Voucher worth Rs. 1,500 on spending Rs. 1.5 Lakh in a quarter from Marriott, Myntra, Marks & Spencer or Reliance Digital
• Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year and additional voucher of Rs. 5,000 on spending Rs. 7.5 Lakh in a year
• Low foreign currency markup fee of 2%
• Annual fee waiver on spending Rs. 4 Lakh a year
• Up to 7.5% savings on restaurant bill payments via Swiggy Dineout
• Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card set-up
• 5% cashback (up to Rs. 1,000) on first EMI transaction done within 30 days of card set-up
• 10x rewards on spends above Rs. 20,000 in a month and on birthdays
• 3x rewards on online and offline spends on spends up to Rs. 20,000 per month
• 3x rewards on rental and property management transactions
• 1x= 1 reward point per Rs. 150
• Value of 1 reward point = Rs. 0.25
• B1G1 offer up to Rs. 250 on movie tickets via Paytm mobile app (valid twice per month)
• Up to 20% discount at 1500+ restaurants
• Low forex markup fee of 1.5%
• 2 domestic & international airport lounge and spa visits per quarter, on spending Rs. 20,000 per month
• Comprehensive Travel Insurance Cover of USD 1200
• Interest-free cash withdrawal anywhere in the world
• 4 railway lounge visits per quarter
• 2 complimentary golf rounds per month for every Rs. 20,000 of monthly statement spends
• 1% fuel surcharge waiver up to Rs. 400 per month
• E-gift voucher worth Rs. 5,000 as welcome benefit
• 5x reward points on dining, grocery and departmental store spends
• 2 reward points per Rs. 100 on all other spends, except fuel
• 2 rewards per Rs. 100 on international spends
• Value of 4 reward points = Rs. 1
• 9 CV points on every Rs. 100 spent on Vistara Flights
• Complimentary Club Vistara membership with 1 upgrade voucher
• Complimentary Trident Privilege Red Tier membership with 1,000 welcome points
• 6 complimentary airport lounge access internationally in a year via Priority Pass Program (max. 2 per quarter)
• 2 complimentary domestic lounge access every quarter
• Free movie tickets worth Rs. 6,000 every year
• 10,000 bonus reward points on spending Rs. 3 Lakh & Rs. 4 Lakh in a year
• 15,000 bonus reward points on spending Rs. 5 Lakh & Rs. 8 Lakh in a year
• Low foreign currency markup fee of 1.99%
• Annual fee waiver on spending Rs. 10 Lakh
• 5% cashback on bill payments via Google Pay (electricity, gas, internet, DTH, mobile recharge etc)
• 4% cashback on Swiggy, Zomato and Ola
• 1.5% cashback on all other spends
• 4 domestic lounge access per calendar year at selected lounges, subject to spending Rs. 50,000 in previous quarter
• 1% fuel surcharge waiver across all fuel stations in India
• Up to 20% off at partner restaurants in India.

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