Best Travel Credit Cards in India

Travel credit cards are made for people who travel a lot. They can help you save money on flights and hotels, and give you perks like free access to airport lounges, air miles, and even free flight tickets. Some cards also come with special deals with airlines or other travel partners. To make it easier for you to pick the best one, here's a list of the top 10 travel credit cards in India.

Top 10 Travel Credit Cards in India

Credit Card Best For Annual Fee
Club Vistara IDFC FIRST Credit Card Co-branded benefits (Vistara) Rs. 4,999
Axis Atlas Credit Card Travel booking with points Rs. 5,000
Axis Bank Vistara Signature Co-branded benefits (Vistara) Rs. 3,000
Air India SBI Signature Co-branded benefits (Air India) Rs. 4,999
Intermiles HDFC Signature Bonus Miles Earning Rs. 2,500
Kotak IndiGo XL Credit Card Co-branded benefits (IndiGo) Rs. 2,500
Standard Chartered EaseMyTrip Co-branded benefits (EaseMyTrip) Rs. 350
Yatra SBI Card Co-branded benefits (Yatra) Rs. 499
MakeMyTrip ICICI Bank Signature Co-branded benefits (MakeMyTrip) Nil
IRCTC SBI Card Premier Railway Bookings Rs. 1,499

Many of The credit cards on this list are made in partnership with well-known airlines or travel websites. But, you can still save a lot on your travels by using versatile rewards credit cards like SBI Card ELITE, HDFC Regalia Gold, and Axis Bank Select.

Best Travel Credit Cards in India

Discover The best travel credit cards in India and learn about the perks they offer to make your travels more affordable.

Club Vistara IDFC FIRST Credit Card

Club Vistara IDFC FIRST Credit Card
Annual Fee: Rs. 4,999 Renewal Fee: Rs. 4,999
Travel Benefits: 1. Welcome Benefits:
  • Get a free Premium Economy Ticket Voucher, a Class Upgrade Voucher, and a complimentary Club Vistara Silver Membership as a welcome gift.
2. Earn Points:
  • Earn 6 CV Points for every Rs. 200 spent on amounts up to Rs. 1 Lakh in each statement cycle.
  • Earn 4 CV Points for every Rs. 200 spent on amounts above Rs. 1 Lakh in each statement cycle.
  • Earn 1 CV Point for every Rs. 200 spent on fuel, insurance, utility, rent, and wallet load.
3. Complimentary Tickets:
  • Enjoy up to 5 complimentary Premium Economy Class tickets in a year.
4. Bonus Points:
  • Receive up to 6,000 bonus CV points upon reaching specific spending milestones.
5. Airport Lounge Access:
  • Get 2 free visits to domestic airport lounges and spas per quarter.
  • Receive 1 complimentary visit to an international airport lounge per quarter.
6. Forex Markup Fee:
  • Benefit from a low forex markup fee of 2.99% on international transactions.
*T&C applicable

The Club Vistara IDFC FIRST Credit Card is a great choice if you spend a lot and love flying with Vistara Airlines. You earn CV Points on all your purchases, and there are bonus points if you spend a certain amount in the first 3 months. If you spend Rs. 12 Lakh in a year, you can get up to 5 free Premium Economy Vistara tickets. Besides, you get a free Club Vistara Silver membership, a 3-month EazyDiner membership, and a BQ Prime subscription.

If you spend Rs. 1 Lakh in a month, you can enjoy the high earning rate of 6 CV Points for every Rs. 200 spent. And, if you reach a spending milestone of Rs. 12 Lakh or more in a year, you can get 5 free flight tickets. All these perks not only cover the card fee but also help you save a significant amount on your travel expenses.

Axis Atlas Credit Card

Axis Atlas Credit Card
Annual Fee: Rs. 5,000 Renewal Fee: Rs. 5,000
Travel Benefits: 1. Welcome Benefits:
  • Earn 5000 EDGE Miles on your first transaction within 30 days of card setup.
2. Travel Rewards:
  • Get 5 EDGE Miles for every Rs. 100 spent on the Travel EDGE portal, airlines, and hotel bookings.
3. Lounge Access:
  • For Silver Tier members: Enjoy 8 domestic and 4 international lounge visits, plus 2,500 EDGE Miles on spending Rs. 3 lakh.
  • For Gold Tier members: Access 12 domestic and 6 international lounges, earn 5,000 EDGE Miles on spending Rs. 7.5 lakh, and enjoy airport concierge services.
  • For Platinum Tier members: Benefit from 18 domestic and 12 international lounge visits, earn 10,000 EDGE Miles on spending Rs. 15 lakh, airport concierge services, and receive 2 complimentary airport pick-ups.
4. Dynamic Currency Conversion:
  • Avail the dynamic currency conversion facility at a 1% markup fee for international transactions.
*T&C applicable

The Axis Atlas credit card is a great choice for people who spend a lot, especially on travel and other expenses. You can earn 5% back on travel expenses and 2% back on other categories in the form of EDGE Miles. These EDGE Miles can be transferred to Axis Bank's domestic and international loyalty program partners, including airlines and hotels. The unique part is that you get a 1:2 conversion rate, meaning you get 2 partner miles for each EDGE Mile.

The card has a tiered-benefit program, starting with Silver tier and upgrading to Gold Tier and Platinum Tier when you reach annual spends of Rs. 7.5 Lakh and Rs. 15 Lakh, respectively. As you move up the tiers, you receive bonus EDGE Miles and additional complimentary lounge visits. This makes the Axis Atlas card ideal for frequent travelers and high spenders. Despite the 3.5% forex mark-up fee, the card offers a dynamic currency conversion facility, allowing international transactions in Indian currency at just a 1% mark-up fee, making it a good option for those who travel abroad.

Axis Bank Vistara Signature Credit Card

Axis Bank Vistara Signature Credit Card
Annual Fee: Rs. 3,000 Renewal Fee: Rs. 3,000
Travel Benefits: 1. Welcome Benefits:
  • Receive 1 complimentary Premium Economy ticket as a welcome gift.
  • Enjoy a complimentary Club Vistara Silver Membership.
2. Earning Rewards:
  • Earn 4 Club Vistara Points for every Rs. 200 spent.
3. Redemption Options:
  • Redeem your rewards for booking flights and other upgrades.
4. Spending Milestones:
  • Earn bonus Club Vistara points and receive up to 4 complimentary Premium Economy tickets upon reaching specific spending milestones.
5. Insurance Coverage:
  • Benefit from air accident cover of up to Rs. 2.5 Crore.
  • Avail purchase protection cover of Rs. 1 Lakh.
6. Lost Card Protection:
  • Enjoy lost card liability cover of up to 100% of the credit limit.

The Axis Bank Vistara Signature Credit Card is a great fit for frequent travelers who prefer flying with Vistara Airlines. This card offers up to 2% Club Vistara (CV) Points on your spending, which can be used for flight upgrades and even free flights. The more you use the card, the more travel benefits you can unlock, thanks to the excellent milestone benefits. Reaching spending milestones can earn you up to 4 premium economy tickets in a year.

It's worth noting that you'll earn more rewards on long-distance flights compared to short-distance ones, as the total amount paid for long-distance flights is higher. Additionally, the card provides extra perks like Club Vistara Silver membership, travel insurance protection, and discounted access to golf facilities. In the realm of rewards, the Vistara Signature Card surpasses its counterpart, the Axis Vistara Platinum Credit Card. If you frequently choose Vistara for your travels, this card is a solid choice.

Air India SBI Signature Credit Card

Air India SBI Signature Credit Card
Annual Fee: Rs. 4,999 Renewal Fee: Rs. 4,999
Travel Benefits: 1. Welcome Benefits:
  • Receive 20,000 reward points as a welcome gift.
2. Spending Milestones:
  • Earn up to 1 Lakh bonus reward points upon reaching specific spending milestones.
3. Reward Points on Air India Tickets:
  • Get up to 30 reward points for every Rs. 100 spent on Air India tickets booked through or the Air India mobile app.
  • Earn 30 reward points when booking for yourself and 10 reward points when booking for others.
  • Receive 10 reward points for every Rs. 100 spent on Air India tickets, whether for yourself or others, through Air India booking offices or call centers.
4. SuperSaver Booklet Purchases:
  • Earn 10 reward points for every Rs. 100 spent on SuperSaver booklet purchases.
5. Airport Lounge Access:
  • Enjoy 8 complimentary VISA lounge access annually, with a maximum of 2 visits per quarter.
6. Lost Card Protection:
  • Benefit from lost card liability cover of up to Rs. 1 Lakh.

The SBI Air India Signature Credit Card stands out as one of the top Travel credit cards in India, particularly for individuals loyal to Air India. It offers a solid basic reward earning rate of 4%, and the reward points are equivalent to Air India Miles at a 1:1 ratio. If you can achieve an annual spend of Rs. 20 lakh, you can earn up to 1 lakh reward points, translating to 1 lakh Air India Miles. This substantial number of miles can cover more than 5 business class tickets with Air India.

However, it's important to note that as a co-branded card, all the perks are specific to Air India. If you're uncertain about sticking to Air India for most of your travels, you might want to explore other travel credit cards that offer general travel benefits or those co-branded with popular travel portals. The card's advantages, such as Priority Pass Membership and complimentary domestic and international lounge access, contribute to its overall appeal for travelers.

For those who prefer a lower annual fee, the Air India SBI Platinum Credit Card, a variant of this card, provides similar benefits at a comparatively reduced fee of Rs. 4,999.

InterMiles HDFC Signature Credit Card

InterMiles HDFC Signature Credit Card
Annual Fee: Rs. 2,500 Renewal Fee: Rs. 2,500 (Waived off on spending Rs. 3 lakh in a year)
Travel Benefits: 1. Membership Benefits:
  • Receive a complimentary InterMiles Silver Membership.
  • Get up to 8,000 bonus InterMiles when you join.
2. First-Year Vouchers:
  • Enjoy a Rs. 750 flight discount voucher and a Rs. 2,000 hotel discount voucher for the first year.
3. Earning InterMiles:
  • Earn 6 InterMiles for every Rs. 150 spent on all purchases.
  • Earn 12 InterMiles for every Rs. 150 spent on flight and hotel bookings via the InterMiles website.
4. Etihad Airways Discounts:
  • Avail a 5% discount on Etihad Airways Economy Class tickets and a 10% discount on Etihad Airways Business Class tickets booked through the InterMiles website.
5. Airport Lounge Access:
  • Enjoy complimentary Priority Pass Membership with 5 free visits every year to international lounges.
  • Receive 16 free domestic lounge visits per year under the Visa Lounge Access Program (4 per quarter).

The InterMiles HDFC Signature Credit Card is an excellent choice for frequent air travelers. This card allows you to redeem InterMiles for booking flights and hotels through the InterMiles website. For those who travel within India, the card offers access to domestic airport lounges, with a maximum of 4 visits per quarter. Additionally, the complimentary Priority Pass membership provides access to international lounges up to 5 times a year.

With a high reward rate applicable not only to travel expenses but also across all spending categories, this card is particularly advantageous for individuals who regularly use their credit cards for various purchases. This extensive rewards program allows users to maximize their benefits.

Moreover, cardholders can enjoy discounts of up to 10% on business class flight tickets and up to 5% on economy class tickets when booking with Etihad Airways. A significant advantage of earning InterMiles is the flexibility to use these points for booking flight tickets across various airlines and hotels worldwide.

Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

Kotak IndiGo Ka-ching 6E Rewards XL Credit Card
Annual Fee: Rs. 2,500 (Rs. 1,500 as introductory fee) Renewal Fee: Rs. 2,500 (Rs. 1,500 as introductory fee)
Travel Benefits: 1. Welcome Gift:
  • Receive a complimentary IndiGo air ticket worth Rs. 3,000 as a welcome gift.
2. IndiGo Airlines Spending:
  • Earn 6 points for every Rs. 100 spent on IndiGo airlines.
3. Partner Merchants Spending:
  • Earn 3 points for every Rs. 100 spent on partner merchants in dining, grocery, and entertainment.
4. Other Categories Spending:
  • Earn 2 points for every Rs. 100 spent on other categories.
5. Prime Add-ons:
  • Enjoy prime add-ons worth Rs. 899, including priority check-in, the choice of seat, complimentary meal, and quicker baggage assistance.
6. Lounge Access:
  • Avail 8 complimentary domestic lounge accesses every year.

True to its name, The Kotak IndiGo Ka-ching 6E Rewards XL Credit Card is designed for those who frequently choose IndiGo for their travels. This card offers elevated rewards specifically for IndiGo expenses, providing benefits like higher rewards on IndiGo spends, priority meals, baggage assistance, and priority check-in. These perks, including complimentary services and free lounge access, can lead to significant savings for travelers.

Beyond travel benefits, the card extends its advantages to various spending categories, offering 3% rewards on merchant spends across dining, entertainment, and groceries, and 2% rewards on all other expenses. However, it's important to note that the points earned are redeemable exclusively with IndiGo airlines. This makes the card an ideal choice for individuals who regularly use credit cards for their expenses, accumulate points, and redeem them to book tickets with IndiGo.

While the card justifies its annual fee by providing valuable travel benefits with IndiGo, it might be limiting for those who prefer flexibility across multiple airlines. Another variant, The Kotak IndiGo Ka-ching 6E Rewards Credit Card, with a lower annual fee and similar benefits, offers an alternative for those seeking a more budget-friendly option.

Standard Chartered EaseMyTrip Credit Card

Standard Chartered EaseMyTrip Credit Card
Annual Fee: Rs. 350 Renewal Fee: Rs. 350 (Reversed on spending at least Rs. 50,000 annually)
Travel Benefits:
  • 20% instant discount on domestic and international hotel bookings
  • 10% instant discount on domestic and international flight bookings
  • Rs. 125 off on bus ticket bookings
  • 10 reward points on every Rs. 100 spent at standalone airline/hotel websites, mobile applications or outlets, except any travel aggregators
  • 1 Reward Point = Re. 0.25; if redeemed through Standard Chartered 360 rewards portal
  • 1 complimentary domestic lounge visit per quarter
  • 2 complimentary international lounge visits per year through Priority Pass

This co-branded credit card is specifically designed for maximum benefits when booking through EaseMyTrip. Enjoy direct discounts on both domestic and international flights and hotels. The card comes with a modest annual fee of Rs. 350, which can be waived by spending Rs. 50,000 in a year. What's convenient is that there's no minimum transaction limit required to avail discounts on your bookings. Plus, you can save significantly by utilizing the discount in each category once per month.

Beyond the booking perks, you'll earn reward points on every transaction and bonus points on your travel bookings. Additionally, the card provides domestic and international lounge access each year. If you're looking for a credit card that offers fundamental travel benefits without a high annual fee, this could be an ideal choice for you.

Yatra SBI Card

Yatra SBI Card
Annual Fee: Rs. 499 Renewal Fee: Rs. 499 (Waived off on spending Rs. 1 Lakh in a year)
Travel Benefits: 1. Welcome Vouchers:
  • Receive welcome vouchers worth Rs. 8,250 on Yatra, including domestic and international travel vouchers, holiday vouchers, and hotel booking vouchers.
2. Flight Booking Discounts:
  • Get Rs. 1,000 off on domestic flight bookings with a minimum transaction of Rs. 5,000.
  • Avail Rs. 4,000 off on international flight bookings with a minimum transaction of Rs. 40,000.
3. Hotel Booking Discount:
  • Enjoy a 20% discount on domestic hotel bookings with a minimum transaction value of Rs. 3,000.
4. Reward Points on International Spending:
  • Earn 6 reward points for every Rs. 100 spent on international transactions.
5. Air Accident Cover:
  • Receive complimentary air accident cover of Rs. 50 Lakh for the primary cardholder.

The Yatra SBI Credit Card stands out from typical travel credit cards by forming a collaboration with the travel portal Priced at an annual fee of Rs. 499, this card provides welcome benefits totaling up to Rs. 8,250 in the form of Yatra Vouchers. Cardholders can enjoy direct discounts on their flight and hotel bookings made through the Yatra website.

Additionally, the card offers a substantial 6 reward points for every Rs. 100 spent on categories such as grocery, dining, movies, entertainment, and departmental stores. A unique feature of this card, especially considering its low annual fee, is the complimentary air accident cover provided to the primary cardholder, offering coverage up to Rs. 50 Lakh. This makes The Yatra SBI Credit Card a compelling option in its fee range, offering a blend of travel benefits and everyday rewards.

MakeMyTrip ICICI Bank Signature Credit Card

MakeMyTrip ICICI Bank Signature Credit Card
Annual Fee: Rs. 2,500 Renewal Fee: Nil
Travel Benefits: 1. Welcome Benefits:
  • Receive Rs. 1,500 as My Cash and a MakeMyTrip holiday voucher worth Rs. 2,500 as welcome benefits.
2. MMTBLACK Exclusive Membership:
  • Enjoy complimentary MMTBLACK Exclusive membership.
3. My Cash Rewards:
  • Earn 1.25 My Cash for every Rs. 200 spent on domestic transactions outside MakeMyTrip.
  • Earn 1.50 My Cash for every Rs. 200 spent on international transactions outside MakeMyTrip.
  • Earn 2 My Cash for every Rs. 200 spent on flight bookings via MakeMyTrip.
  • Earn 4 My Cash for every Rs. 200 spent on hotel/holiday bookings via MakeMyTrip.
4. Railway Lounge Access:
  • Avail 1 complimentary railway lounge access per quarter to participating lounges in India.
5. Domestic Airport Lounge Access:
  • Get 2 complimentary domestic airport lounge accesses by spending Rs. 5,000 in the quarter.
6. International Lounge Access and Spa Session:
  • Enjoy 1 international lounge access and 1 spa session per year at select airports in India through complimentary Dreamfolks membership.

The MMT ICICI Bank Signature Credit Card is the ideal choice for frequent travelers who prioritize luxury in their journeys. Tailored exclusively for MakeMyTrip users, this card offers a welcome voucher and an impressive reward structure. All earned rewards are seamlessly transferred to the MMT account as My Cash, where every 1 My Cash earned on the card is equivalent to Rs. 1. These rewards can be efficiently utilized for various travel expenditures such as hotel bookings, flight tickets, or cab services through MakeMyTrip.

In summary, the ICICI MMT Signature Credit Card proves to be a valuable option for travel enthusiasts seeking to maximize savings on their travel expenses. It's worth noting that the card's benefits are primarily oriented towards MakeMyTrip, making it an excellent choice for individuals who exclusively rely on MMT for planning their vacations.

IRCTC SBI Card Premier

IRCTC SBI Card Premier
Annual Fee: Rs. 1,499 Renewal Fee: Rs. 1,499
Travel Benefits: 1. Joining Fee Benefits:
  • Receive 1,500 reward points on the payment of the joining fee.
2. Railway Ticket Purchases:
  • Get a 10% value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchases via the IRCTC website or mobile app.
3. Air Ticket and E-Catering Purchases:
  • Enjoy a 5% value back on air ticket and e-catering purchases on IRCTC.
4. Transaction Charge Savings: 5. Reward Points on Retail Purchases:
  • Earn 1 reward point per Rs. 125 spent on other retail purchases, including railway ticket purchases at the IRCTC mobile app or website.
6. Railway Lounge Access:
  • Receive 8 complimentary railway lounge accesses in a year to participating lounges in India.

The IRCTC SBI Card Premier stands out as a unique credit card that caters specifically to the needs of frequent train travelers. With a focus on railway ticket bookings and exclusive benefits, this card offers significant savings and rewards for those who frequently travel by train.

Key features include a generous 10% value back as reward points on air-conditioned ticket bookings (AC1, AC2, AC3, and AC CC). Additionally, cardholders can enjoy a 5% value back on all air ticket and e-catering purchases made through the IRCTC website or app. The card also provides a 1% transaction charge waiver on railway ticket bookings and a 1.8% waiver on air ticket bookings through the IRCTC website.

Notably, the IRCTC SBI Card Premier goes beyond just transaction benefits, offering access to railway lounges up to 8 times a year, with a limit of two times in a quarter. For individuals who frequently book train tickets, this card provides an opportunity to save money and earn rewards simultaneously, which can be utilized for discounted future bookings.

Super-premium Credit Cards with Travel Benefits

The above list includes credit cards that offer substantial travel benefits at a lower to moderate annual fee. However, there are also premium and super-premium credit cards available in the market that provide extensive travel perks along with significant savings across various categories. These high-tier cards typically come with more stringent eligibility criteria, including a higher income requirement.

Given below are some of the super-premium credit cards with travel benefits for high-spenders:

Credit Cards Annual Fee Travel Benefits
HDFC Bank Infinia Metal Edition Rs. 10,000
  • Unlimited lounge access for primary and add-on cardholders
  • Low forex markup of 2%
  • Exclusive privileges at Marriott hotels under the complimentary Club Marriott Membership
  • Preferential access to 1,000+ airport lounges across the globe
Axis Bank Reserve Credit Card Rs. 50,000
  • Exclusive privileges with ITC Hotels, Accor Hotels, Marriott, Oberoi and Postcard Hotels
  • Priority Pass membership with free unlimited international lounge visits for both primary and add-on cardholders
  • 12 free international lounge visits for guests
  • Free unlimited domestic lounge visits for both the primary and add-on cardholders
  • 12 free domestic lounge visits for guests
SBI Aurum Credit Card Rs. 9,999
  • 40,000 reward points worth Rs. 10,000 as welcome benefit
  • Low forex markup of 1.99%
  • 4 domestic lounge visits per quarter and unlimited international lounge access
IndusInd Bank Avios Visa Infinite Credit Card Rs. 10,000
  • Up to 5 Avios for every Rs. 200 spent
  • Complimentary Priority Pass membership with 2 international lounge visits per quarter
  • Low forex markup fee of 1.5%
Axis Bank Vistara Infinite Credit Card Rs. 10,000
  • Complimentary Club Vistara Gold Membership
  • 6 CV Points per Rs. 200 spent across all categories
  • Complimentary visits to select domestic airport lounges
  • Up to 4 Business Class tickets on achieving the spending milestone

When utilizing Travel credit cards, it's essential to follow certain do's and don'ts to maximize the benefits. Here are some recommendations to keep in mind:


1. Understand the travel benefits your card offers and plan your trips to take full advantage of these perks. 2. Enroll in the lounge access program as soon as you get the card to ensure a hassle-free experience during your travels. 3. Maximize your air mile earnings by using your card for high-value purchases, boosting your overall rewards. 4. If you're getting a new credit card for a major trip, seek ones with sign-up bonuses and welcome gifts to make your journey more convenient. 5. Redeem your earned rewards for travel-related expenses to make the most of your card's benefits. 6. Regularly check the expiration dates of your travel rewards to ensure they don't go unused and lose their value.


1. Ignore the rewards/air mile program on the card 2. Avoid using the card for cash withdrawals in a foreign country, as it may result in incurring finance charges from the day of withdrawal, along with a forex markup fee. 3. Avoid allowing your bills to become overdue, as this could result in high-interest charges that might nullify the value of the benefits you could otherwise enjoy. 4. Use the rewards for non-travel vouchers or merchandise from the card issuer’s catalogue

Issuers provide various travel-centric benefits on their credit cards. Some common advantages include:

Airport Lounge Access:

Travel credit cards often include both domestic and international lounge access as a notable benefit. Some cards offer complimentary membership to programs like Priority Pass, which typically costs $99. This membership may come with a limited number of free visits to partner lounges.

Accelerated Rewards on Travel:

These cards offer accelerated rewards on specific categories. For Travel credit cards, you can earn additional rewards when you use the card to book air tickets or make holiday reservations. These accumulated points can later be redeemed for gifts, merchandise, or additional travel benefits.

Air Mile Earnings:

Instead of traditional reward points, travel-centric credit cards may offer Air Miles. These miles can be utilized to book air tickets through the bank's dedicated travel website. Some cards allow you to transfer Air Miles to select frequent flyer programs, while others may provide the option to convert reward points into Air Miles with specific airline partners.

Co-branded Benefits:

Many providers offer Travel credit cards in partnership with airlines or travel websites. For instance, SBI collaborates with Air India, and ICICI Bank provides cards co-branded with MakeMyTrip. These cards are advantageous for individuals loyal to a specific brand.

Travel Voucher:

A prevalent benefit on travel-centric credit cards is the provision of travel vouchers. Most credit cards offer these vouchers from an airline or travel website as a welcome benefit or upon reaching a spending milestone.

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Choosing the right credit card can be confusing with so many options available. Let's discuss a few things that will help you pick the perfect travel credit card.

The first thing to do is understand how you spend money. Knowing your spending habits makes it easier to find a card that matches your lifestyle.

To find the right travel credit card, ask yourself these questions:

1. Do I prefer a co-branded card with specific brand benefits or one with general perks? 2. Am I looking to earn Air Miles for my travels? 3. In which spending category do I usually spend the most? 4. Would complimentary lounge access be useful for me? 5. Do I need travel insurance along with other card perks?

Once you answer these questions, you can narrow down your options and choose the card that best fits your preferences.

If you fly frequently, go for a card with lounge access

For regular business travelers, having free lounge access is a great advantage. Look for a card that provides access to either international or domestic lounges based on your travel needs. Keep in mind that the number of free visits may be limited, and once exhausted, you may need to pay for additional visits. However, if your card comes with a lounge access program like Priority Pass, you might continue to enjoy this benefit.

Choose cards with extra rewards on travel for flexibility

If you're someone who enjoys traveling, opt for a card with accelerated rewards on travel. These cards often include additional perks such as shopping and dining benefits, enhancing your overall card experience. Even if you don't use the card for travel frequently, you can still take advantage of other benefits. When you do use it for travel, the rewards will be more lucrative.

Opt for co-branded travel cards if you're loyal to a specific brand

Credit card issuers collaborate with airlines like Air India and British Airways or travel websites such as Yatra and MakeMyTrip. Consider these co-branded cards if you're loyal to a particular brand and frequently book tickets or holidays with them. Benefits may include free tickets upon joining or reaching a spending milestone, exclusive discounts with the brand, complimentary travel vouchers, or additional rewards.

To find the ideal credit card, compare two or more shortlisted options based on the following criteria. This will help you narrow down your search and select the perfect card:

Annual Fee: Start by comparing the annual fees of the shortlisted cards. While a card may offer great travel benefits, it's crucial to determine if these benefits justify the annual fee. Be cautious about cards that charge a high annual fee for common benefits like air miles and domestic lounge access. Choose a card that offers reasonable fees for the services provided. Rewards/Air Miles: Don't overlook the rewards on your credit card, as they contribute to the overall benefits of a travel credit card. Compare the rates at which you can earn rewards or air miles on each card, and understand the redemption options for accumulated points. Opt for the card that offers better and more favorable rewards. Sign-up Bonus: Look into the sign-up bonus or welcome gift offered when you first receive the card. Travel credit cards often provide bonuses in the form of travel vouchers, bonus air miles, or flight tickets. Check if the value of the sign-up bonus compensates for any joining fees. Some cards may also offer additional bonuses for reaching specific spending milestones or upon card renewal. Lounge Access: Since Travel credit cards commonly offer access to airport lounges, compare the number of visits allowed by each card. Keep in mind that lounge access is most beneficial for frequent flyers, so assess whether this feature aligns with your travel habits. If you travel infrequently, the value of lounge access benefits may be limited. Other Benefits: Consider not only travel-related perks but also other benefits offered by the credit cards. Explore benefits related to shopping, movies, dining, golf, and more. Since most travel cards fall into the premium category, check if additional services like concierge services are available and if they complement your lifestyle.

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