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Travel Credit Card Online

A travel credit card offers special discounts on flight and rail tickets, deals on hotel bookings, complimentary airport lounge access, accelerated rewards, co-branded benefits, air miles, savings on outstation cab bookings and more. It is the best value credit card for frequent travellers. Read on to know all about the top travel credit cards in India.

Best Travel Credit Cards in India 2022

There is a list of the best travel credit cards in India that you can choose from.

Credit Card Variant

Fees

Highlights

IRCTC SBI RuPay Card

Annual Fee: ₹500

Joining Fee: ₹300

(plus applicable taxes)

  • Complimentary railway lounge access

  • value back on irctc.co.in

RBL Travel Easy SuperCard

Annual Fee: ₹999

Joining Fee: ₹999

(plus applicable taxes)

  • Cashback on Uber/Ola

  • Gift vouchers for travel websites

  • Spend-based waiver of annual fees

 

Citi PremierMiles Credit Card

Annual Fee: ₹3,000

(plus applicable taxes)

  • Welcome air miles and bonus miles

  • Complimentary airport lounge access

  • Air accident insurance cover

ICICI MMT Platinum Credit Card

Annual Fee: Nil

Joining Fee: ₹500

(plus applicable taxes)

  • Complimentary airport lounge access

  • MakeMyTrip holiday voucher

  • My Cash against domestic and international transactions and flight bookings

ICICI MMT Signature Credit Card

Annual Fee- Nil

Joining Fee- ₹2,500

(plus applicable taxes)

  • Complimentary MMTDOUBLEBLACK membership

  • Lemon Tree Hotels voucher

  • My Cash against spends on MakeMyTrip

SBI Card ELITE

Annual Fee- ₹4,999

Joining Fee- ₹4,999

(plus applicable taxes)

  • Complimentary airport lounge visits

  • Club Vistara Silver membership

  • Trident Privilege Red Tier membership

  • Lowest Foreign Currency Mark-up

Top Travel Credit Card Features and Benefits

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

1) IRCTC SBI RuPay Credit Card

Travel credit card benefits:

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

  • Earn 1 reward point for every ₹125 spent on non-fuel retail purchases (1 Reward Point = ₹1)

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

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

2) RBL Travel Easy SuperCard

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 a 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.

  • Spend-based waiver of annual fees.

3) Citi PremierMiles Credit Card

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 core.

4) ICICI MMT Platinum Credit Card

Travel credit card rewards:

  • 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 of domestic transactions other than on MMT.

  • ₹1.2 My Cash for every ₹200 worth of international transactions other than on 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

Travel credit card offers

  • Lemon Tree Hotels voucher worth ₹2,500 as welcome benefits.

  • 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 ₹2,00,000 on MakeMyTrip.

  • ₹15,000 My Cash against spends worth ₹5,00,000 on MakeMyTrip.

6) SBI Card ELITE

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.

Eligibility Criteria to Apply for a Travel Credit Card

The basic eligibility criteria for travel credit cards is mentioned below:

  • You must match the minimum age for the card (usually 21 years).

  • You must have a regular source of income-salaried, self-employed or business.

  • You should have an active savings bank account.

  • You should have a high credit score and good credit history.

The eligibility criteria to apply for a travel credit card will vary depending on the card you apply for.

Documents Required to Apply for a Travel Credit Card

Here is a list of documents that are commonly accepted to Apply for a Travel Credit Card:

  1. 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.

  2. Proof of Address- One copy of either your Aadhaar card, Passport, Driver’s Licence, 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.

  3. 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.

To apply for a travel card, you would need to provide the above-mentioned documents for identification and authentication. These documents may vary from one card-issuing bank to another.

How to Find the Right Travel Credit Card?

When choosing the right travel credit card, focus on understanding your spending habits. Here are a few points that can help you get the best credit card for yourself.

1) Prioritise lounge access

If you are a frequent traveller, lounge access can be a blessing. Opt for a credit card that offers you complimentary lounge access to both international and domestic lounges at popular airports.

2) Additional rewards

Look for cards that offer you the advantage of enjoying accelerated rewards on travel along with welcome benefits. Such cards also offer shopping, movies, dining, and other benefits to improve your overall experience of transacting with a credit card.

3) Co-branded travel cards for brand loyalty

If you are loyal to specific brands, such as Yatra, MakeMyTrip, etc, you can opt for co-branded travel credit cards offered by them in association with top banks. This would allow you to save more on hotel and flight bookings as well as give you access to special joining and milestone benefits.

4) Air Accident Cover and Insurance

If you are someone who likes to be extra sure, you can protect yourself from accident risks, by opting for travel credit cards that offer air accident cover and travel insurance. The amount for the same will vary from card to card.

How to Apply for a Travel Credit Card?

To apply for a travel credit card online, in a hassle-free way, you can follow the steps mentioned below-

  • On this Finserv MARKETS page, click on the ‘Apply Now’ button.

  • Fill in the details to check your credit card eligibility.

  • Compare the multiple travel credit cards available.

  • Select the best travel credit card.

  • Fill out the form and submit your application.

If you would like to opt for the offline mode of applying for a travel credit card, you can view the variety of options available on the Finserv MARKETS site, choose the one you like best, and visit the card-issuing bank to apply for a credit card. The executive at the bank would help you fill out the application form and verify your documents before processing the request. You can also call the bank’s customer care number for any assistance regarding your travel credit card application.

Do’s and Don’ts of a Travel Credit Card

While travel credit cards come with multiple benefits, you should make proper use of them in order to make the most of the rewards. Here are a few do’s and don’ts:

Do’s

Don’t’s

  • Plan your travels around the travel benefits applicable on your card 
  • Register for lounge access program once the card is delivered 
  • Pay for big-ticket travel expenses on the card to earn more air miles 
  • Claim your welcome gifts and bonuses to save more
  • Pay for travel expenses by redeeming accumulated credit card rewards. 
  • Keep a check on the expiry date of rewards
  • Disregard reward points and air mile benefits

  • Opt for credit card cash withdrawal at international locations as it would attract a foreign exchange mark-up fee, as well as applicable credit card interest rate from the withdrawal date to the date of full payment.

  • Fail to pay your credit card statement in full as it would incur high-interest charges

  • Deplete credit limit on expensive, non-travel purchases and not have enough to pay for travel expenses

  • Not avail travel vouchers or merchandise from the rewards catalogue

FAQs on Travel Credit Cards in India

  • ✔️What is a travel credit card?

    A travel credit card offers special discounts on flight tickets, deals on hotel bookings, complimentary airport lounge access, accelerated rewards, co-branded benefits, air miles, savings on outstation cab bookings, and more. It is the best value credit card for frequent travellers.

  • ✔️What special offers can I avail on a travel credit card?

    You can enjoy a range of travel credit card benefits, such as discounts on flight tickets, deals on hotel bookings, savings on outstation cab bookings, complimentary airport access as well as the opportunity to earn reward points which can be later redeemed as air miles or retail discounts. Co-branded travel credit cards also offer special brand benefits related to travel and the opportunity to earn accelerated rewards.

  • ✔️What are the features of a travel credit card?

    A travel credit card is specially designed for funding your travel expenses. The card lets you avail discounts on flight tickets and hotel bookings. There is also the opportunity to earn air miles, get fuel surcharge waivers, travel insurance, complimentary access to the airport and railway lounges, as well as annual fee waivers against milestone spends.

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