For frequent travelers in India, choosing the right credit card can significantly enhance your travel experience. The best travel credit cards offer benefits like airport lounge access, air miles accumulation, travel insurance, and exclusive discounts on flights and hotels. In this guide, we'll explore the top travel credit cards available in India as of 2025.
Top Travel Credit Cards in India for 2025
1. Axis Atlas Credit Card
- Joining Fee: ₹5,000
- Annual Fee: ₹5,000
- Key Benefits:
- Earn up to 5 EDGE Miles per ₹100 spent on travel.
- 12 international and 18 domestic lounge visits annually.
- 2,500 bonus EDGE Miles as a welcome benefit.
- 5,000 EDGE Miles as milestone benefits.
- 1 EDGE Mile = 2 Partner Points for redemption.
- 3.5% forex markup fee.
Ideal for: High spenders seeking maximum rewards on travel expenses.
2. Axis Bank Horizon Credit Card
- Joining Fee: ₹3,000
- Annual Fee: ₹3,000
- Key Benefits:
- 5 EDGE Miles per ₹100 spent on Axis Travel EDGE portal and airline websites.
- 2 EDGE Miles per ₹100 on other categories.
- 32 domestic and 8 international lounge visits annually.
- 5,000 EDGE Miles as joining benefit and 1,500 EDGE Miles on renewal.
- 25% off on dining via EazyDiner (up to ₹800/month).
Ideal for: Travelers who prefer booking through specific portals and value extensive lounge access.
3. HSBC TravelOne Credit Card
- Joining Fee: ₹4,999
- Annual Fee: ₹4,999
- Key Benefits:
- Earn 4 reward points per ₹100 spent on flights, travel aggregators, and foreign currency transactions.
- 2 reward points per ₹100 on other categories.
- 6 domestic and 4 international lounge visits annually.
- Exclusive discounts on travel platforms like EaseMyTrip, Yatra, and ClearTrip.
- 4 complimentary golf rounds and 12 complimentary golf lessons per year.
Ideal for: Travelers seeking flexible rewards and additional leisure benefits.
4. American Express Platinum Travel Credit Card
- Joining Fee: ₹66,000
- Annual Fee: ₹66,000
- Key Benefits:
- Earn 1 Membership Rewards point per ₹50 spent.
- Taj Vouchers worth ₹15,000 annually.
- Marriott Bonvoy membership with complimentary elite status.
- 4 complimentary visits to select airport lounges annually.
- Comprehensive travel insurance coverage.
Ideal for: Luxury travelers who frequently stay at premium hotels and seek exclusive experiences.
5. IndiGo SBI Card
- Joining Fee: ₹1,000
- Annual Fee: ₹1,000
- Key Benefits:
- Earn up to 7% rewards on purchases.
- Access to airport lounges.
- Ability to earn bonus miles for IndiGo flights.
- Special discounts on flight bookings and related expenses.
Ideal for: Frequent IndiGo flyers looking to maximize rewards and savings.
How to Choose the Right Travel Credit Card
When selecting a travel credit card, consider the following factors:
- Spending Patterns: Choose a card that offers higher rewards in categories where you spend the most.
- Lounge Access: If you travel frequently, prioritize cards that offer extensive lounge access.
- Redemption Flexibility: Opt for cards that allow flexible redemption options for air miles and rewards.
- Annual Fees: Ensure that the benefits outweigh the annual fees associated with the card.
Final Thoughts
The best travel credit card for you depends on your individual travel habits and preferences. Whether you're a frequent flyer, a luxury traveler, or someone who values extensive lounge access, there's a card tailored to meet your needs.