506 views Best Travel Credit Cards India
In recent years, India has seen a significant rise in the popularity of credit cards, especially those offering travel and airline benefits. With increasing disposable incomes and a growing penchant for travel, both domestic and international, Indian consumers are looking for credit cards that offer them exclusive travel privileges, rewards, and benefits. Whether you’re a frequent flyer or a casual traveler, having a credit card that complements your travel lifestyle can make a world of difference.
In this blog post, we will explore some of the best travel and airline credit cards available in India, highlighting their features, benefits, and rewards. We’ll also delve into what makes these cards stand out and how they can enhance your travel experiences.
Why Choose a Travel Credit Card?
Before diving into the best options, let’s understand why travel credit cards are worth considering:
- Reward Points: Travel credit cards typically offer reward points on every transaction, which can be redeemed for flight tickets, hotel stays, or other travel-related expenses.
- Travel Insurance: Many travel credit cards come with complimentary travel insurance, covering unexpected medical emergencies, lost luggage, or flight cancellations.
- Airport Lounge Access: Premium travel credit cards often provide access to airport lounges, both in India and abroad, where you can relax, enjoy complimentary food and beverages, and work in comfort.
- Airline Miles: Some cards allow you to earn airline miles directly, which can be redeemed for flights or upgrades.
- Exclusive Benefits: Travel credit cards often partner with airlines, hotels, and other travel service providers to offer exclusive discounts, upgrades, and privileges.
Top Travel and Airline Credit Cards in India
Now, let’s take a look at some of the best travel and airline credit cards in India, categorized based on their features and benefits:
1. HDFC Bank Regalia First Credit Card
- Welcome Benefit: Get 1,000 HMS Points on activation, which can be redeemed for travel vouchers.
- Rewards: Earn 1 HMS Point for every ₹150 spent, with accelerated rewards on dining and online transactions.
- Travel Insurance: Complimentary domestic and international travel insurance.
- Airport Lounge Access: Access to Visa Lounge Network and Priority Pass Lounges worldwide.
- Golf Privileges: Complimentary golf lessons and green fees at select courses.
- Annual Fee: ₹1,000 (plus taxes).
This card is ideal for frequent travelers who value lounge access and comprehensive travel insurance.
2. ICICI Bank Emerging India Emirates Credit Card
- Welcome Benefit: Get 1,500 Trident Points on the first transaction.
- Rewards: Earn 3 Trident Points for every ₹100 spent on the Emirates website.
- Airline Benefits: Enjoy exclusive discounts on Emirates flights and complimentary access to Emirates lounges.
- Travel Insurance: Covers medical emergencies, trip cancellations, and lost luggage.
- Dining Privileges: Earn 5 Trident Points for every ₹100 spent on dining.
- Annual Fee: ₹1,500 (plus taxes).
This card is perfect for Emirates loyalists who frequently fly with the airline.
3. SBI Card Etihad Guest Premium Credit Card
- Welcome Benefit: Earn 5,000 Etihad Guest Miles on first transaction.
- Rewards: Earn 2 Etihad Guest Miles for every ₹100 spent on international transactions and 1 mile for every ₹100 spent domestically.
- Airline Benefits: Complimentary upgrades, extra baggage allowance, and lounge access.
- Travel Insurance: Coverage for medical and non-medical emergencies while traveling.
- Dining Privileges: Enjoy discounts of up to 15% at select restaurants.
- Annual Fee: ₹2,999 (plus taxes).
This card is ideal for travelers who frequently fly with Etihad Airways or its partner airlines.
4. Citi PremierMiles Credit Card
- Welcome Benefit: Earn 10,000 miles on first transaction within 60 days.
- Rewards: Earn 10 miles for every ₹100 spent on airline transactions and 1 mile for every ₹100 spent otherwise.
- Airline Benefits: Miles can be transferred to multiple airline partners, including Air India, Emirates, and Singapore Airlines.
- Travel Insurance: Comprehensive travel insurance coverage.
- Dining Privileges: Enjoy exclusive discounts at participating restaurants.
- Annual Fee: ₹3,000 (plus taxes).
This card is great for travelers who prefer flexibility in redeeming miles across multiple airlines.
5. American Express® Platinum Travel Credit Card
- Welcome Benefit: Earn 15,000 Membership Rewards points on first transaction.
- Rewards: Earn 1 Membership Rewards point for every ₹50 spent, with double points on airline transactions.
- Airline Benefits: Complimentary membership to the American Express Travel Lounge at Delhi and Mumbai airports.
- Travel Insurance: Robust travel insurance with high coverage limits.
- Hotel Privileges: Enjoy exclusive stays and upgrades at partner hotels.
- Dining Privileges: Access to fine dining experiences and discounts at premium restaurants.
- Annual Fee: ₹6,500 (plus taxes).
This card is perfect for luxury travelers who seek premium benefits and exclusive experiences.
6. Axis Bank Vistara Credit Card
- Welcome Benefit: Earn 2,000 Club Vistara points on first transaction.
- Rewards: Earn 1 Club Vistara point for every ₹100 spent, with accelerated rewards on Vistara transactions.
- Airline Benefits: Complimentary economy to premium economy upgrade on first Vistara booking.
- Travel Insurance: Comprehensive travel insurance coverage.
- Dining Privileges: Earn double points on dining spends.
- Annual Fee: ₹1,500 (plus taxes).
This card is ideal for Vistara loyalists who frequently travel within India.
7. IndusInd Bank Legend Credit Card
- Welcome Benefit: Earn 1,000 MyRewards points on first transaction.
- Rewards: Earn 2 MyRewards points for every ₹100 spent on travel and 1 point for other spends.
- Travel Insurance: Coverage for medical emergencies, trip cancellations, and lost luggage.
- Airport Lounge Access: Complimentary access to domestic airport lounges.
- Dining Privileges: Enjoy exclusive discounts and Offers across dining partners.
- Annual Fee: ₹1,500 (plus taxes).
This card is a great option for budget-conscious travelers who still want premium benefits.
How to Choose the Best Travel Credit Card for You
With so many options available, choosing the right travel credit card can be overwhelming. Here are a few tips to help you make the best decision:
- Assess Your Spending Habits: Consider how much you spend on travel, dining, and other categories to maximize your rewards.
- Evaluate Annual Fees: Premium cards come with higher fees, so ensure the benefits outweigh the costs.
- Check Airline Partnerships: If you’re loyal to a specific airline, choose a card that offers exclusive benefits with that airline.
- Look for Welcome Offers: Many cards offer attractive welcome bonuses that can be redeemed for travel vouchers or miles.
- Read Reviews: Research card reviews and customer experiences to understand the card’s usability and service quality.
Conclusion
Travel credit cards are an excellent way to make your journeys more rewarding and enjoyable. Whether you’re a frequent flyer or an occasional traveler, there’s a card on this list that can cater to your needs. By choosing the right card, you can earn valuable rewards, enjoy exclusive benefits, and make your travels more convenient and affordable.
Before applying for a credit card, always compare features, fees, and benefits to ensure it aligns with your lifestyle and travel goals. Happy traveling, and happy earning!
