BEST TRAVEL CREDIT CARDS IN INDIA

Travel Credit Cards

Travel credit cards are a boon to travelers. If you are someone who travels frequently, either for work or just pleasure, then you should definitely opt for best travel credit card. These cards make your lives easier and better. The first question that pops up in your mind after hearing about these travel cards is “What are the benefits of using these travel cards? How different are they from standard credit cards?” Read on to know about the benefits of these cards.

BENEFITS OF TRAVEL CREDIT CARDS

  1. ACCELERATED REWARD POINTS ON TRAVEL 

Travel cards generally offer substantial reward points at the time of sign-up. Reward points are then awarded on every transaction you make. You get extra reward points when you book your flight tickets or hotel rooms. All these points can be redeemed for gifts, merchandise, and more travel benefits. 

  1. ZERO FOREIGN TRANSACTION FEES

All standard debit and credit cards levy a fee on foreign currency transactions. This fee is around 2.5% to 3% of the transaction value and this can be a burden on your monthly credit card bills. In the case of travel cards, you can choose to carry out a transaction in any currency without the fear of incurring transaction charges. 

  1. COMPLIMENTARY INSURANCE

Travel credit cards come with complimentary travel insurance and travel accident covers. You can claim the reimbursement if any accident/ mishap happens to you or your family member or your luggage during the trip. 

  1. AIRPORT LOUNGE ACCESS

You can get free access to lounges at both domestic and international airports. In the case of normal credit cards, one needs to pay a membership fee to avail these lounge access programs. However, with travel credit cards you can use the lounges for free up to a certain limit in a particular year.

  1. AIR MILE EARNINGS

Some credit cards allow you to convert your reward points into air miles. These air miles can be used while booking flight tickets on dedicated travel websites of the bank. Some issuers also allow you to convert these air miles into frequent flyer programs.  

  1. CO-BRANDED BENEFITS

Banks partner with specific airlines and travel websites for launching travel credit cards. These co-branded cards can be very beneficial to individuals who are loyal customers of a particular airline or travel website. For example, SBI has partnered with Air India to launch its travel card. Similarly, the ICICI Bank travel card offers various benefits on MakeMyTrip. 

These are some of the major advantages of travel credit cards. Travel credit cards are very convenient to use at different locations across the globe and can help you save a lot of money. Continue reading to get to know about the best travel credit cards available in India. 

CITI PREMIER MILES CREDIT CARD

  • 10 miles earned on every ₹100 spent on airline transactions
  • 4 miles earned on every ₹100 spent on other transactions
  • Air miles can be redeemed across 100+ airlines and hotel partners
  • No expiration date for the air miles collected
  • Free lounge access to select airport lounges across India 
  • Air accident insurance cover of up to ₹1 crore and lost card liability cover of ₹10 lakhs
  • Up to 20% discount at partnered restaurants

SBI CARD ELITE

  • E-gift voucher worth ₹5000 as a welcome benefit
  • Vouchers can be exchanged for an array of travel and lifestyle brands: Yatra, Hush Puppies, Bata, Pantaloons, Shoppers Stop, and Aditya Birla Fashion
  • Free movie tickets worth ₹6000 every year
  • 5X reward points on dining and groceries
  • 2X reward points on all other spends except fuel
  • 1% fuel surcharge waiver across all petrol pumps in India
  • 6 complimentary airport lounge access to airports outside India every year
  • 2 complimentary domestic airport lounge access every calendar quarter
  • Free Club Vistara and Trident Privilege membership
  • Lowest foreign currency markup charge of 1.99%
  • Exclusive access to concierge services 

INDUSIND BANK LEGEND CREDIT CARD

  • Complimentary stay at the Oberoi Chain of Hotels on the issuance of the card
  • Up to 25% to 50% discount at premium bars and restaurants
  • Joining bonus of 2000 Eazy points that can be redeemed for free meals
  • Exclusive access to golf clubs and golf courses across India
  • 3 free movie tickets in one month
  • Special priority pass membership for you and your partner
  • Co-partnered with ICICI Lombard General Insurance Company Ltd. for insurance on lost passports, lost baggage, delayed baggage, etc. 
  •  Air accident insurance cover of up to ₹25 lakhs

AXIS BANK PRIVILEGE CREDIT CARD

  • Complimentary premium economy ticket voucher as a welcome gift
  • Free Club Vistara Silver membership with access to priority check-in and additional baggage allowance
  • 4 Club Vistara points for every ₹200 spent 
  • Bonus Club Vistara points and 4 complimentary premium economy tickets on achieving milestone spends
  • Lounge access to select airports across India
  • Air accident cover of up to ₹2.5 crores

HDFC REGALIA CREDIT CARD

  • 12 complimentary airport lounge access within India and 6 outside India
  • Exclusive 24/7 access to concierge service
  • 1% fuel surcharge waiver at all fuel stations across India
  • Assured flat 25% off at 2000+ premium restaurants
  • 1+1 on buffet at 200+ restaurants
  • Additional 5% off and zero convenience fee
  • Early access to events and festivals such as Gourmet Licious

These are the top travel credit cards that you can choose from. Compare the benefits, fees and charges of all these cards and choose the one that best suits your needs. Make your travel more stress-free and save your money with these amazing credit card

Read Also: Who Issues A Credit Score To Applicants Or Organizations?

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