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Travel Credit Cards: Benefits, Top Picks, and Features

Compare travel credit cards on Bajaj Markets, learn key benefits, fees, features, and how to choose the right card for your trips.

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Last updated on: Jul 13, 2026

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What Is a Travel Credit Card

A travel credit card is a type of credit card designed for travel-related spending and benefits. When reviewing such cards, common aspects include annual fee structure, reward mechanisms, forex charges on international transactions, and travel-linked benefits such as airport lounge access. These cards are structured to offer value through travel-related transactions while functioning like a regular credit card.

It operates like any standard credit card where purchases are made and settled later within the billing cycle. The difference lies in the rewards system, which is aligned with travel usage instead of general spending categories.

Travel-based rewards: Points or air miles are earned on transactions such as flight bookings, hotel stays, and other travel expenses, which can be used for future travel redemptions.
Airport lounge access: Many cards include access to domestic or international airport lounges, typically based on usage limits or spend-linked conditions.
Forex charges: International transactions may attract foreign currency mark-up fees, which vary across cards and influence overall cost.
Annual fee and benefits: Cards may have an annual fee that is linked to features such as reward rates, lounge visits, insurance coverage, or partner travel offers.

These features define how travel credit cards are structured around travel-related usage while maintaining core credit card functionality.

Some of the Best Travel Credit Cards on Bajaj Markets

Here are some of the best travel credit cards that offer lounge access, travel perks, and joining fee benefits to suit different budgets and travel needs:

Cards	Annual Fee	Forex Charges	Rewards Structure	Annual Income / Eligibility Criteria
SBI Card Elite	₹4,999	1.99% of the transaction amount	• 5X rewards on dining, department stores, and groceries. • 2 points per ₹100 on eligible spends. • Up to 50,000 bonus reward points annually based on milestone spends.	• Regular monthly income with stable employment history. • Salaried: 21–70 years • Self-Employed: 25–70 years
SBI Card Prime	₹2,999	3.50%	• 10 reward points per ₹100 spent on dining, groceries, department stores, and movies. • 2 points per ₹100 on other retail categories. • 2,000 bonus points on your birthday.	• Regular monthly income with a good credit score. • Age: 21–70 years
IDFC FIRST Bank Wealth Credit Card	Nil	1.50%	• 10X points on eligible transactions & on your birthday. • 3X reward points on spends up to ₹20,000 in a cycle. • 1X on utilities/insurance.	• Age between 21 to 80 years • Minimum annual income of ₹36 Lakhs
SBI Card MILES	₹1,499	3.00%	• 2 travel credits per ₹200 spent on travel-related purchases. • 1 travel credit per ₹200 on all other eligible purchases. • Milestone: 5,000 bonus travel credits on ₹5 Lakhs annual spend.	• Steady regular income source. • Age: 21–70 years
Tata Neu Plus HDFC Bank Credit Card	₹499	-	• Up to 7% cashback as NeuCoins on eligible spends made through the Tata Neu app and partner Tata brands. • 1% NeuCoins on eligible spends and UPI transactions.	• Minimum net monthly income of ₹25,000 • Age: 21–60 years
BPCL SBI Card OCTANE	₹1,499	3.50%	• 25X reward points on BPCL fuel purchases. • 10X points on dining, movies, groceries, and department stores. • 1 point per ₹100 on eligible retail spends.	• Minimum income of ₹30,000 per month • Age: 21–70 years
SBI Card Pulse	₹1,499	3.50%	• Up to 10 reward points per ₹100 on categories such as dining, pharmacy, sports, and movies, along with base rewards on other spends • 2 reward points per ₹100 on other eligible purchases.	• Steady regular income source. • Age: 21–70 years
IDFC FIRST Bank SELECT Credit Card	Nil	1.99%	• 10X points on monthly spends above ₹20,000 & on your birthday. • 3X Reward Points on applicable online and offline purchases.	• Regular monthly income with stable employment history. • Salaried: 21–70 years • Self-Employed: 25–70 years
Flipkart SBI Card	₹500	-	• 5% flat cashback on Flipkart purchases. • 4% flat cashback on select partners. • 1% cashback on all other eligible retail spending.	• Consistent monthly income profile. • Age: 21–70 years
YES Bank Klick Credit Card	Nil	2.75%	• 1% cashback on all UPI spends • Milestone-based cashback and rewards as a joining bonus	• Minimum annual income of ₹3 Lakhs. • Good credit score.
SBI IRCTC RuPay SBI Card	₹500	3.50%	• Up to 10% value back as reward points on AC train tickets booked via IRCTC app/website. • 1 reward point per ₹125 spent on non-fuel retail categories.	• Regular monthly income with stable employment history. • Salaried: 21–70 years • Self-Employed: 25–70 years
IDFC FIRST Millennia Credit Card	Nil	3.50%	• 10X points on spends above ₹20,000 & on your birthday. • 3X points on eligible UPI transactions. • 1X reward points on insurance premiums and utility bill payments.	• Minimum annual income of approx ₹3 Lakhs. • Age: 21–35 years
IDFC FIRST Bank Classic Credit Card	Nil	3.50%	• 10X points on spends above ₹20,000 & on your birthday. • 3X points on eligible online spends.	• Consistent monthly income profile. • Age: 21–70 years
IDFC FIRST Bank SWYP Credit Card	₹499	-	• Referral bonuses and structured discount privileges with select brands. • Earns reward multiplier points on achieving short-term monthly milestone spend targets.	• Regular monthly income with stable employment history. • Salaried: 21–60 years • Self-Employed: 25–60 years
Kotak League Platinum Credit Card	Nil	3.50%	• Up to 8 reward points per ₹150 spent on special categories. • 4 to 8 reward points on other eligible categories.	• Consistent monthly income profile. • Age: 21–65 years
IndiGo SBI Card	₹1,499	3.50%	Earn IndiGo BluChips on airline and travel bookings Earn 2 BluChips for every ₹100 spent on hotel, travel, and other related transactions Get milestone-based reward benefits on annual spends	• Consistent monthly income profile. • Age: 21–70 years

Disclaimer: Card features, reward points, fees, and eligibility may vary by issuer and card variant. Details are subject to change based on updated terms and conditions

Types of Travel Credit Cards

Travel credit cards can be categorised based on how rewards are structured, partner associations, and spending benefits. These categories reflect how reward points and travel-related benefits are linked to different usage patterns.

Co-branded credit card: These credit cards are issued in partnership with airlines, hotel chains, or travel platforms, where reward points are directly linked to a specific brand ecosystem. Benefits may include accelerated rewards on partner bookings and brand-specific travel privileges.
Air travel credit cards: These cards are structured around air travel spending, where reward points are often converted into air miles. Benefits may include ticket redemptions, travel-related offers, and features such as airport lounge access linked to flight usage.
General travel credit cards: These credit cards offer reward points across a wide range of travel-related and everyday spending categories. Points can typically be redeemed across multiple travel partners, including flights, hotels, and travel platforms.
Fuel credit card: Some travel-oriented credit cards include fuel-related benefits, where reward points or cashback is offered on fuel transactions. This feature supports travel-related expenses associated with road transport.
Rewards-based credit cards: These cards focus on earning reward points across multiple categories such as dining, shopping, and travel. The accumulated points can later be used for travel bookings, vouchers, or other redemption options.

These types of travel credit cards highlight variations in how credit cards integrate travel benefits, reward structures, and partner-linked features across different usage scenarios.

Key Benefits of Travel Credit Cards

Earn Travel Rewards

You earn reward points or air miles on everyday spending, which you can redeem for flights, hotel stays or travel vouchers.

Complimentary Airport Lounge Access

Many travel credit cards offer free airport lounge visits, giving you a comfortable space to relax before your journey.

Travel Insurance Cover

Some cards provide complimentary travel insurance that can cover baggage loss, trip delays or medical emergencies during travel.

Lower Foreign Transaction Costs

Certain travel credit cards reduce or waive foreign currency mark-up fees, helping you save when you spend abroad.

How to Choose a Travel Credit Card

Here are simple and practical tips to help you choose the right travel credit card for your needs:

Check how often you travel and choose a card that rewards the type of travel you do most
Compare the joining fee and annual fee with the travel benefits offered to see if the value makes sense
Look at how you earn reward points and make sure the spending categories match your daily expenses
Review how you can redeem points, and ensure the process is simple and flexible
Check the number of complimentary airport or railway lounge visits offered each year
See if the card charges a high foreign currency mark-up fee if you plan to travel abroad
Read the spending conditions linked to lounge access or bonus rewards before applying
Make sure you can comfortably repay the monthly bill in full to avoid interest charges

How to Apply for a Travel Credit Card on Bajaj Markets

Here is a simple step-by-step guide to help you apply for credit card online on Bajaj Markets quickly and with ease:

Click on the ‘Check Eligibility’ button on the travel credit card page
Enter your basic details such as your mobile number and employment type
Read the terms and conditions carefully and provide your consent to proceed
Enter the OTP sent to your registered mobile number to verify your identity
Review the pre-filled details such as your PAN, name, date of birth and email address for accuracy
Provide your income details and PIN code to help assess your eligibility
Click on ‘Check Offers’ to view the travel credit cards that match your profile
Select the card that suits your travel needs and click ‘Submit’ to complete your application

Wait for confirmation and further communication from Bajaj Markets or the card issuer for the next steps.

Note: The exact application steps and verification requirements may differ based on the travel credit card you choose and the issuing bank’s policy.

What Are the Eligibility Criteria for Travel Credit Cards

The eligibility criteria for travel credit cards are based on standard parameters such as residency, income, age, and documentation:

Criteria	Details
Residency Status	Applicants are typically required to be Indian residents or eligible NRIs, depending on issuer policies
Age Requirement	Minimum age is generally 18 years at the time of application submission
Income Requirement	A regular and verifiable income source is expected, whether salaried or self-employed
Minimum Income Threshold	Each credit card has a defined minimum income requirement based on its features and benefits
Credit Score	A credit score around 700 or above is commonly associated with established credit behaviour
Documentation (KYC)	Identity proof, address proof, and income documents are required for verification as part of the application process

These criteria form the basic framework used by issuers to assess eligibility for travel credit cards across different categories.

Note: As criteria can vary across banks and card variants, it is wise to review the specific terms carefully before applying.

Documents Required to Apply for a Travel Credit Card

Here are the key documents you may need to submit when applying for a travel credit card in India:

Proof of Identity	Proof of Address	Proof of Income – Salaried	Proof of Income – Self-Employed	PAN Card
Passport Aadhaar card PAN card	Utility bill (electricity or water) Aadhaar card Ration card	Recent salary slips (last 2–3 months) Form 16 Latest bank statements	Income Tax Returns (ITR) Income computation statement Recent bank statements	Permanent Account Number (PAN)

Forex Card vs Travel Credit Card — Which Is Right for You

Here is a clear comparison to help you decide whether a forex card or a travel credit card suits your travel plans and spending habits:

Criteria	Travel Credit Card	Forex Card
What It Is	A credit card that lets you spend on credit and earn travel rewards, with repayment due later	A prepaid card loaded with foreign currency before travel, where you spend only the loaded amount
Best For	Domestic and international travel, along with regular day-to-day spending	International travel, especially for long stays or frequent trips abroad
Foreign Currency Charges	Usually charges a foreign currency mark-up fee on overseas transactions	Exchange rate is locked at loading, with no additional mark-up on spends
Rewards	Earn reward points or air miles on eligible purchases	Does not offer rewards or air miles
Lounge Access	Often includes complimentary airport lounge visits on selected cards	Generally does not provide lounge access
ATM Withdrawals Abroad	High fees and interest apply on cash withdrawals	Designed for overseas ATM use, usually with lower withdrawal charges
Credit Requirement	Requires a good credit score and income proof for approval	No credit score required, as it is not a credit product
Fees	May have joining or annual fees depending on the card type	Typically involves an issuance fee and reload charges

Things to Keep in Mind When Choosing a Travel Credit Card

Here are the key factors you should consider to choose a travel credit card that truly fits your travel plans and spending habits:

Reward Points and Air Miles

Check how many points or miles you earn on travel and daily spending, and how easily you can redeem them.

Annual and Joining Fees

Make sure the travel benefits and rewards justify the fee you pay each year.

Welcome or Sign-Up Bonus

Look at the joining bonus offered and review the spending conditions required to unlock it.

Foreign Currency Mark-Up Fee

If you travel abroad, choose a card with a low foreign currency mark-up fee to reduce extra charges.

Airport Lounge Access

Review how many complimentary lounge visits you receive each year and whether there are spending conditions attached.

Travel Insurance Benefits

Check if the card offers travel insurance cover for delays, cancellations or lost baggage.

Merchant Acceptance

Ensure the card network is widely accepted in India and overseas destinations you plan to visit.

Customer Support

Choose a bank that offers reliable 24/7 customer service in case you need help during your trip.

Interest Rate and Repayment Terms

Understand the interest rate and always plan to repay your full bill on time to avoid extra costs.

Tips to Maximise Travel Rewards

Here are simple and smart ways to maximise travel rewards and get better value from your travel credit card:

Use your travel credit card for regular expenses such as groceries, fuel and utility bills to earn more reward points
Book flights and hotels through the card’s partner platforms to receive higher points or exclusive discounts
Pay your full credit card bill on time each month to avoid interest charges that can cancel out your rewards
Track limited-time travel offers and seasonal promotions to earn bonus points faster
Redeem your reward points for flights or hotel stays instead of low-value options to get better returns
Meet the required spending threshold to unlock welcome bonuses and milestone rewards
Check the expiry date of your reward points so you can use them before they lapse
Avoid withdrawing cash using your credit card, as high fees and interest can reduce your overall savings

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

Which travel credit cards offer Vistara membership or airport lounge access?

While Vistara membership depends on specific airline tie-ups, many cards on Bajaj Markets offer airport lounge access. Options such as YES Bank Klick, Tata Neu Plus HDFC Bank Credit Card, SBI Card PRIME and SBI Card ELITE provide complimentary domestic or international lounge visits.

Which is the best travel credit card in India?

The best travel credit card on Bajaj Markets depends on your travel style. For premium international lounge access, SBI Card ELITE stands out, while Tata Neu Plus HDFC Bank Credit Card and YES Bank Klick suit budget-conscious domestic travellers.

Which are the best travel credit cards for booking flights?

For flight bookings, SBI Card Miles and IndiGo SBI Card are strong options, as they focus on travel rewards and airline-linked benefits, helping you earn value on air ticket spending.

Is it advisable to book flights using a travel credit card?

Yes, booking flights with cards like SBI Card Miles or IndiGo SBI Card helps you earn travel rewards and access added perks, provided you repay the full balance on time.

Is it worth getting a travel credit card?

A travel credit card is worth it if you travel often and actively use benefits such as airport lounge access, reward points, air miles and travel discounts. When used responsibly and paid in full each month, the rewards can easily outweigh the annual fee.

Which travel credit card is best for domestic travellers?

For domestic travellers, YES Bank Klick, Tata Neu Plus HDFC Bank Credit Card and SBI Card PULSE offer complimentary domestic airport lounge visits, making them practical choices.

How can I find the right travel credit card?

Compare joining fees, annual charges, lounge access, reward rates and foreign currency mark-up fees. Then match these features with your travel frequency, spending habits and preferred airlines to choose a travel credit card that offers real value.

When should you use a travel credit card?

Use your travel credit card for flight bookings, railway tickets and hotel stays to earn rewards and unlock lounge access benefits.

What credit score is required for a travel credit card?

Most lenders prefer applicants to have a good credit score, usually 700 or above, when applying for a travel credit card. A higher score improves your approval chances and may help you qualify for better limits and premium travel benefits.

How many travel credit cards should I have?

For most people, one well-chosen travel credit card is sufficient. However, frequent travellers may benefit from having two cards to maximise rewards across airlines, lounge access programmes or different spending categories.

How can I get 50% off a flight?

You may get up to 50% off through limited-time offers, reward redemptions or airline-linked promotions such as those on IndiGo SBI Card, subject to terms.

Which credit card offers the best rewards for flights?

SBI Card Miles is designed for travel rewards on flights, while IndiGo SBI Card benefits frequent flyers of that airline.

Which credit card is best for booking flights?

For booking flights, SBI Card Miles and IndiGo SBI Card are suitable, as they focus on airline rewards and travel-related spending.

Do credit cards offer discounts or rewards on flight bookings?

Yes, cards like SBI Card Miles and FIRST SWYP Credit Card offer travel rewards or partner discounts, including EaseMyTrip vouchers in some cases.

How can I maximise credit card benefits when booking flights?

Maximise benefits by booking through partner platforms, meeting spending milestones and redeeming accumulated travel points for flights instead of low-value options.

Are there any special offers for booking flights with a credit card?

Yes, some cards on Bajaj Markets provide airline discounts, travel vouchers or bonus rewards, such as EaseMyTrip coupons with FIRST SWYP Credit Card.

Can I earn frequent flyer miles by using a credit card for flight bookings?

Yes, travel-focused cards like SBI Card Miles allow you to earn miles or reward points on eligible flight bookings.

Do airlines offer exclusive credit card benefits on flight bookings?

Yes, co-branded cards like IndiGo SBI Card provide airline-specific perks, including priority benefits and travel-related rewards.

Which credit card offers the best travel rewards for flight bookings?

SBI Card Miles and SBI Card ELITE offer strong travel rewards structures, especially for frequent domestic and international flyers.

What are travel credit cards?

Travel credit cards on Bajaj Markets reward you with points, miles or lounge access when you spend on travel and everyday purchases.

Why are travel credit cards beneficial?

They help convert spending into air miles, lounge visits or travel discounts, offering real savings for frequent travellers.

Which are the top travel credit cards available on Bajaj Markets?

Top travel credit cards on Bajaj Markets include SBI Card ELITE, SBI Card PRIME, SBI Card Miles, YES Bank Klick and Tata Neu Plus HDFC Bank Credit Card.