Travel credit cards are usually issued in partnership with a travelling company, an online travel portal, or a hotel/resort group. These partnered credit cards frequently provide greater incentives for spending at affiliated airlines or travel companies. Furthermore, these partnered travel credit cards frequently offer special perks such as free-of-charge participation in the affiliated airline’s regular traveller club or extra AirMiles when you hit certain spend-based objectives. Certain travel credit cards tend to be more generic and appropriate for all travellers without offering extra incentives for spending with a specific airline or travel portal, however, the majority of travel rewards credit cards are provided in partnership with a travelling company or travel portal.
10 Best Travel Credit Card
You can select from our list if you require a travel credit card and are well aware of its advantages. As per your needs and preferences for travel credit cards, these are some of the best travel credit cards in the Indian credit card market at the moment.
1.Axis Bank Atlas Credit Card
This card is a very premium travel credit card made for regular travellers. The joining fee(annual fee) of this card is ₹5,000 + GST which can be validated easily through the benefits you will get in the initial year of joining. You will get 5,000 EDGE Miles in the form of a Welcome Benefit after joining this card. The most attractive part of having this card is its reward structure. It provides you with 5 EM per ₹100 on Domestic spending and 10 EM per ₹100 International spending. If you opt to book your travelling tickets with Axis Bank Travel Edge Portal, you will be able to avail more rewards. Having this card will benefit you with free International and Domestic lounge access and more travelling perks such as baggage loss insurance, flight delay insurance & low markup fees on foreign currency transactions. Regarding spending limit, the company follows a protocol that says the spending limit of this card will depend on the card holder’s annual income, credit history and financial profile.
To enjoy these perks, you can apply for the Axis Bank Atlas Credit Card.
2.SBI Card MILES PRIME
This card is specially designed for people who want to elevate their travel experiences with rewards. The joining fee(annual fee) of this card is ₹3,499 + GST. The card has a Welcome Benefits Scheme saying if you spend ₹60,000 within 60 days of the card issuance, you will get 3,000 Travel Credits. The reward structure of this card says that the individual will get 5 EM per ₹100 on Domestic Spending whereas the individual will get 10 EM per ₹100 on International Spending. Booking travel tickets through the SBI Card Travel Portal will result in additional rewards. The individual will be allowed 8 free Domestic Airport Lounge Access every year of which only 2 visits quarterly will be allowed at maximum. The foreign currency transactions will have a low markup charge of 2.5%. Moreover, if you spend ₹8 lakh per year, you will be rewarded with 10,000 bonus travel credits.
To enjoy these perks, you can apply for the SBI Card MILES PRIME.
3.SBI Card Miles Elite
Three credit cards built especially for the travel industry have just been introduced by SBI Card. These credit cards, sometimes referred to as “Miles” credit cards, provide substantial benefits on transactions connected to travel. Airmiles, Hotel Points, and even trip reservations can be purchased with the trip Credits obtained via these cards. With a membership fee of Rs. 4,999, the Miles Elite Credit Card is the most expensive of the three SBI Miles Cards. Despite the seemingly hefty charge, the card delivers a 5,000 Travel Credit joining incentive when you spend Rs. 1 lakh within 60 days of the card’s activation. You can get up to eight free domestic lounge visits at Indian airports when you use the Miles Elite Credit Card. Additionally, this card provides several advantages for foreign visitors, including a reduced 1.99% foreign exchange fee, Priority Pass membership, and access to international lounges worldwide. Due to it being a travel credit card, it only provides several helpful travel perks such as baggage loss insurance and Accident Coverage Insurance. It also rewards you with 6 Travels Credits per ₹200 on Travel-related expenditures while only 2 Travel Credits per ₹200 on other categorical expenditures. This card also provides you with 20,000 bonus Travel Credits if you spend ₹12 Lakh per year every year.
To enjoy these perks, you can apply for the SBI Card MILES Elite.
4.Chase Sapphire Preferred Card
This card is a very preferable choice for travel and lounge lovers. This card’s annual fee is $95 while its perks make this card worth more. You can get this card for free but only for the initial year. It costs $95 to maintain this card every year after the first one. The top perk of this card is that if you spend $4,000 in 3 months, you will be able to avail of 60k bonus points which can be exchanged through Chase Ultimate Rewards turning out to be $750. Not just this, on travel and having meals around the place will get you 3x points, shopping with this card will get you 1x points and after all this, if you opt to book your travel tickets through the Chase Ultimate Rewards portal, you will be rewarded with 5x points. These points can be used for transactions between associated companies and hotels.
If you are an absolute travelling enthusiast or love going out for dinner frequently, this card can be a very smart choice for you. Talking about this card’s spending limit, the company never discloses it in public. The spending limit will depend on your credit score, financial profile and your annual income. Generally, the spending limit of this card as per its users is $8,500-$17,000, while in some cases it might get over $100,000 also. It also offers travel security benefits like cancellation protection, luggage delay protection, and zero foreign transactional costs.
To enjoy these perks, you can apply for the Chase Sapphire Preferred Card.
5.RBL World Safari Credit Card
This is a travel card aimed at people from generation prior to Gen Z. Along with the Popcorn Credit Card and Monthly Treats Credit Card, it is one of three versions offered by RBL Bank that are specifically targeted at millennials. In addition to offering you welcome gift coupons worth Rs. 3,000, the card has a Rs. 3,000 registration charge. It gives you travel points, and for every Rs. 100 you spend, you can get a maximum of 5 TPs. These travel points can be used on the rblrewards portal to book flights, hotels, and other travelling-related expenses. The card has zero foreign exchange markup and permitted use of domestic and international airport lounges, all of which are designed to meet the travel and entertainment desires of its consumers. Additionally, you receive free golf each year. Additionally, upon reaching the annual expenditure milestone, you can receive an incentive package worth Rs. 10,000 and up to 25,000 additional travel points.
To enjoy these perks, you can apply for the RBL World Safari Credit Card.
6.Axis Bank Horizon Credit Card
Boasting substantial incentives and travel perks, it is a credit card that is focused on travel. You might recognise this card as the entry-level variant of the well-known Atlas Credit Card if you are accustomed to Axis Credit Cards. This card comes with a ₹3,000 membership fee and an annual cost of the same amount. Although this travel credit card’s excellent amenities make the price justified, there is a small disadvantage in that there is no spend-based annual fee relinquishment, so you would still be accountable for paying the fees. This card is especially useful for people who want free access to airport lounges and wish to collect quick benefits for travel reservations. All the Mastercard World and Visa Signature versions of the Axis Horizon Credit Card come with unique benefits and advantages. The quantity of domestic airport lounge access available varies slightly. You would receive six free visits with the Mastercard version and eight with the Visa version. The card also rewards 5 EDGE Miles on Axis Travel Edge and Airline spending and 2 EDGE reward points on all Other Eligible spending.
To enjoy these perks, you can apply for the Axis Bank Horizon Credit Card.
7.Yatra SBI Credit Card
This card is a co-branded credit card that was introduced in collaboration with the online travel booking service Yatra. The card provides several benefits and rewards to passengers. With this card, you can book domestic flights for ₹1000 and international flights for ₹4000. After submitting the annual subscription fees, you receive a ₹8,250 Yatra e-gift coupon as your welcome present. You receive 1 reward point for every 100 ₹ spent with this credit card and 6 reward points for every 100 Rs spent at Yatra. Additionally, you receive ₹50 lakh in-flight accident insurance coverage.
To enjoy these perks, you can apply for the Yatra SBI Credit Card.
8.Marriott Bonvoy HDFC Bank Credit Card
This credit card is the country’s first partnered hotel card. The joining fee(annual fee) for this card is Rs. 3,000+GST. The card provides a lot of valuable perks to the ones who are very much connected to the partner hotel company. The partner hotel company have more thirty hotels across the globe and offers you the post of Silver Elite status. The status includes outdoor meals, free stays and discounts on stays booking. In the form of a Welcome Bonus, the user is rewarded with a free award night of a year. The card as usual gives reward points on eligible shopping.
To enjoy these perks, you can apply for the Marriott Bonvoy HDFC Bank Credit Card.
9.IRCTC SBI RuPay Credit Card
This is a co-branded credit card that offers great rewards and perks in collaboration with the IRCTC. The card, which costs only ₹500 to join, is ideal for frequent rail travellers. This card offers 1 Reward Point for every ₹125 in retail transactions and 10% value on train ticket bookings via the IRCTC website or mobile app. It offers enticing welcoming rewards, featuring a welcome reward of 350 reward points (1 Reward Point equals ₹1). Furthermore, you receive excellent travel privileges, such as 4 free railway lounge visits every year and accommodations at over 5000 hotels in 350 major Indian cities.
To enjoy these perks, you can apply for the IRCTC SBI RuPay Credit Card.
10.HDFC Bank RuPay IRCTC Credit Card
The bank recently collaborated with the railway giant to introduce a co-branded travel card. The bank currently provides cards associated with railway organisations, and the bank’s newly introduced card provides an immediate rival to existing cards. The credit card has a joining and annual membership cost of Rs. 499. The annual charge can be waived by achieving the previous year’s spending requirements. In terms of the card’s rewards features, you will be awarded as a result of Cash Points, which can be exchanged for a variety of possibilities. You can get up to 5 Cash Points for every Rs. 100 spent, which is a decent reward rate. Furthermore, this card provides gratis railway lounge entry quarterly, allowing you to enhance your train journeys while incurring the fewest expenditures.
To enjoy these perks, you can apply for the HDFC Bank RuPay IRCTC Credit Card.
Summary
The above-mentioned are the best travel credit cards that are specifically established for travel lovers. These best travel credit cards offer a variety of perks and benefits for card holders. If you are a travel enthusiast, you must pick the best travel credit card on the list to enhance you travelling experience and get rewards while exploring the world. If, by any chance, we have missed a travel credit card to include, let us know about that. Until then, Happy Journey!