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Best Travel Credit Card

Travel credit cards make holidays easy, convenient, and light as you don’t have to carry around too much physical money. If you are a frequent traveller, be it for business or leisure, you may need the best travel credit card. It offers exciting credit card rewards on both domestic and international travel along with benefits like complimentary lounge access, free premium economy tickets, air mile earning, hotel discounts, co-branded benefits with airlines and travel partners, etc. Here’s all you need to know about the best travel cards in India.

Best Travel Credit Cards in India

The travel CC benefits of some of the best travel credit cards are mentioned below:

1) IRCTC SBI RuPay Credit Card

Annual Fee: ₹500 + GST

Joining Fee: ₹300

Travel Credit Card Benefits:

 

  • Buy AC1, AC2, AC3, and AC CC tickets through irctc.co.in and earn value back of up to 10%

  • Avail complimentary railway lounge access 4 times in a year (max 1 per quarter) at participating lounges in India

  • Enjoy a 1% fuel surcharge waiver on fuel spends between ₹500 and ₹3,000 (exclusive of GST and other charges) on petrol at all petrol pumps in India

2) Bajaj Finserv RBL Bank Travel Easy SuperCard

Annual Fee: ₹999 + GST

Joining Fee: ₹999 + GST

Travel Credit Card Benefits:

 

  • Get a gift voucher worth ₹1,000 against annual spends of ₹1 lakh

  • Get 10% cashback on Uber/Ola (up to ₹400 per month) on the best cashback travel credit card

  • Get 10% waiver on fuel purchases (up to ₹100 per month)

  • Get a welcome gift voucher worth ₹1,000 which is redeemable on Yatra, MakeMyTrip, Uber, Ghoomo, Fab Hotels, etc.

3) Citi PremierMiles Credit Card

Annual Fee: ₹3,000 + GST

Joining Fee: Notified by the bank

Travel CC Benefits:

 

  • Get 10,000 air miles as a welcome gift and 3,000 bonus miles on renewal of the card

  • Earn 10 miles per ₹100 spent on premiermiles.co.in

  • Earn 4 miles per ₹100 spent on other purchases

  • Miles don’t expire and can be used to avail discounts on flight tickets and hotel bookings or used for frequent flyer programs

  • Complimentary access to participating airport lounges

  • Air Accident Insurance cover of up to ₹1 crore

4) ICICI MMT Platinum Credit Card

Annual Fee: Nil

Joining Fee: ₹500

Travel CC Benefits:

 

  • Get exclusive welcome benefits like ₹500 My Cash reward points

  • Get MakeMyTrip (MMT) holiday voucher worth ₹3,000

  • Earn up to ₹1,000 My Cash against spends worth ₹50,000 in a year on MMT hotels and flights

  • ₹1 My Cash for every ₹200 worth domestic transaction other than MMT

  • ₹1.2 My Cash for every ₹200 worth international transaction other than MMT

  • ₹2 My Cash for every ₹200 spent on flight bookings on MMT

  • ₹3 My Cash for every ₹200 spent on hotel bookings on MMT

  • 1 complimentary airport lounge access per quarter at participating lounges on spending ₹5,000 in a calendar quarter

5) ICICI MMT Signature Credit Card

Annual Fee: Nil

Joining Fee: ₹2,500

Travel Credit Card Benefits:

 

  • Lemon Tree Hotels’ voucher worth ₹2,500 as welcome benefit

  • Complimentary MMTDOUBLEBLACK membership worth ₹1,499

  • ₹500 My Cash against spends worth ₹20,000 on MakeMyTrip

  • ₹2,000 My Cash against spends worth ₹50,000 on MakeMyTrip

  • ₹7,500 My Cash against spends worth ₹2 lakh on MakeMyTrip

  • ₹15,000 My Cash against spends worth ₹5 lakh on MakeMyTrip

6) SBI Card ELITE

Annual Fee: ₹4,999

Joining Fee: ₹4,999

Travel CC Benefits:

 

  • Avail 2 complimentary domestic airport lounge visits every quarter in India

  • Avail 6 complimentary airport lounge visits per calendar year (max. 2 visits per quarter) at over 1,000 airport lounges worldwide on the international travel credit card

  • Access complimentary Club Vistara Silver membership

  • Get 1 complimentary Vistara upgrade voucher

  • Earn 9 Club Vistara Points for every ₹100 spent on Vistara flights

  • Enjoy complimentary Trident Privilege Red-Tier membership

  • Get 1,500 Bonus Points on your first stay at Trident hotels

  • Get an additional ₹1,000 Trident hotel credit on an extended night stay

  • Enjoy the lowest Foreign Currency mark-up charge of 1.99% on international usage

  • Get 2 Reward Points against every ₹100 spent on international transactions

How to Apply for Travel Credit Cards Online

To apply for a credit card online, here are the steps you must follow:

 

  • Step 1: Visit the Bajaj MARKETS official website.

  • Step 2: Enter your contact information and other personal details.

  • Step 3: Click on ‘Check my offer’ to browse through the cards you can opt for.

  • Step 4: Select the travel credit card with the best features.

  • Step 5: Submit your application form.

Eligibility Criteria and Documents Required for Travel Credit Cards

Eligibility Criteria

  • Age: You must be above 21 years for most cards.

  • Residence: You must be a resident of India or a non-resident Indian (NRI).

  • Income: You must meet the income-specific requirements for the card.

  • Credit Score: A good credit score of 750 or above.

Documents Required

  • Proof of Identity: One copy of either your PAN card, Aadhaar card, passport, driver’s license, Voter’s ID card, NREGA-issued job card, or any other photo ID card issued by the government.

  • Proof of Address: One copy of either your Aadhaar card, passport, driver’s license, utility bills for the last three months, documents related to property registration, Ration card, bank account statement for the last three months, NREGA-issued job card, or any other photo ID card issued by the government.

  • Proof of Income: One copy of either your latest Form 16, salary slips for the last three months, or bank statement for the last three months.

The eligibility and documents may vary from one card issuing bank to another.

Key Features and Benefits of Travel Credit Card

Some of the common features and benefits of travel credit cards are mentioned below:

 

  • Welcome Benefits: These benefits include vouchers or bonus points that you receive once you get approved for the travel card. In most cases, the bonus points are in the form of air miles, which you can redeem at partner airlines and save money.

  • Complimentary Lounge Access: One of the most attractive features of these cards is the free access to airport lounges. The number of visits at domestic and international lounges may or may not be capped depending on the card. Some special cards, i.e. those in partnership with IRCTC, give you access to railway lounges too.

  • Insurance: Comprehensive travel insurance is another benefit you can expect to enjoy on your card. It is expected to protect you against unforeseen travel expenses such as medical emergencies, baggage loss, etc.

  • Other Benefits: Some of the other benefits you can enjoy are co-branded benefits, travel vouchers, exclusive discounts and offers, accelerated rewards, air miles, etc.

FAQs on Best Travel Credit Card

  • ✔️Which travel credit cards offer Vistara membership or lounge access?

     Axis Bank Vistara Infinite credit card and Club Vistara SBI Prime card are some of the top credit cards that offer Vistara benefits.

  • ✔️Does the Air India SBI Signature Card offer any reward points on payment of the joining fee?

     On payment of the joining fee, you get 20,000 Reward Points as a welcome bonus on the Air India SBI Signature Card.

  • ✔️Which is the best travel card in India?

     Some of the best travel credit cards in India are IRCTC SBI RuPay Credit Card, RBL Travel Easy SuperCard, Citi PremierMiles Credit Card, ICICI MMT Platinum Credit Card, ICICI MMT Signature Credit Card, and SBI Card ELITE.

  • ✔️Which credit card is best for booking flight tickets?

     Credit cards from top banks offered in partnership with airline companies or travel websites offer the best discounts on flight ticket bookings. Some of these top cards are ICICI MMT Platinum credit card, Air India SBI Signature credit card, and Axis Bank Vistara Infinite credit card, among others.

  • ✔️Which card is best for international travel?

     Credit cards which have a low foreign exchange markup fee, such as the Axis Bank Burgundy Private credit card which has zero mark-up, are ideal for international travel.

  • ✔️Is it good to book a flight with a credit card?

     Yes. When you book a flight with a travel credit card you get benefits like exclusive discounts, special offers, cashback, etc. The card also lets you enjoy complimentary airport lounge access and air accident cover, among other benefits, against your credit card.