Travel Credit Cards- Utilizing your credit card rewards to obtain award flights and upgrades using miles and points is simpler than you might think. According to a survey conducted in December 2022 by Forbes Advisor and OnePoll, only 13% of respondents would rather earn miles or points that can be used for travel than cash-back cards.
Travel Credit Cards
This may be due to the annual fees that travel rewards cards charge, with many charging $95 or more per year and others charging over $400. However, if you find the right travel rewards card for you and know how to get the most out of your rewards and card benefits, travel rewards cards can be much more rewarding than cash-back cards.
Travel Credit Cards Overview
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Benefits of Travel Credit Cards
The benefits of travel credit cards are numerous, and cardholders can take advantage of them while on vacation. Travel credit cards cater to the needs of frequent travelers by providing a wide range of features and benefits, including complimentary access to airport lounges, fee waivers, and welcome gifts.
Let’s take a closer look at the most common perks offered by the majority of credit cards.
Welcome gift
As a sign-up bonus or reward, the majority of travel credit cards offer a large number of reward points or air miles. The points can be exchanged for air miles at domestic and international airlines. Additionally, some cards provide free tickets to certain airlines.
Complimentary airport lounge access
Free visits to airport lounges at both domestic and international airports are offered by some travel credit cards. During flight delays, cardholders can take advantage of the privileges offered by certain airport lounges for free and relax in them. Friends and family traveling with the cardholder are eligible for complimentary entry to some lounges.
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Travel insurance
The comprehensive insurance coverage that some travel credit cards provide shields cardholders from unforeseen costs incurred as a result of, among other things, a plane crash, a medical emergency, the loss of baggage, a passport, or a ticket, etc.
Zero liability on lost card
If you lose your travel credit card in a foreign country, don’t worry. You will not be held responsible for any fraudulent transactions that are carried out after you report the loss as long as you do so immediately to the bank.
Annual fee waiver
The majority of you may be seeking travel credit cards with no annual fee or no annual fee at all.
However, it becomes difficult to locate a travel credit card without an annual fee due to the exclusive benefits they provide. However, the majority of travel credit cards offer a facility to waive the annual renewal fee for cardholders.
Users can get the annual fee waived for the following year by spending a certain amount in a given year, as determined by the bank. By accomplishing the objective spend consistently, cardholders can partake in the advantages of a no yearly expense Mastercard.
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Other benefits
In addition, some travel credit cards offer free movie tickets, discounted dining coupons, concierge services, and complimentary golf lessons.
Numerous credit card issuers have formed partnerships with major airlines like Jet Airways, Air India, Vistara Airlines, and others. to give selective advantages to its clients.
Some of the regular benefits offered by travel credit cards include
- Bonus air miles
- Complimentary membership to airport programs and airline programs
- Free lounge access to both domestic and international airports
- Accelerated reward points on airline related spends
- Reward point redemption for air miles
- Discount offers on air ticket bookings
- Priority check-in at partner airlines
- Extra baggage allowance, etc.
A travel credit card is a must if you travel frequently. The most well-liked travel credit cards offered by Indian card issuers are listed below. Based on your travel patterns and the benefits covered, select the one.
Top Travel Credit Cards
InterMiles HDFC Bank Diners Club Credit Card
Key Highlights: A co-branded credit card with exclusive benefits for booking flights with Jet Airways.
Joining fee: Rs. 10,000 (Waived in the event of opening a new savings or current account).
Renewal fee: Rs. 5,000 (up to the second year). Spend Rs. 8 lakh annually to waive the annual fee.
Joining bonus: Within the first 90 days of setting up the InterMiles HDFC Bank Diners Club Credit Card, you can receive up to 50,000 bonus InterMiles.
Features and benefits
- Earn 8 InterMiles for every 150 rupees spent, and 16 InterMiles for each 150 rupees spent on air tickets purchased through intermiles.com.
- At some Indian airports, you can get premium check-in and more space for your bags.
- Unlimited free access to the largest airport lounge program in the world.
- Worldwide, unlimited complimentary golf games and lessons.
- privileges for exclusive fine dining at prestigious restaurants.
- customized 24-hour concierge services for all of your reservations.
Rewards redemption option: Miles, which can be exchanged for reward points, can be used to purchase hotel and flight reservations.
Suitable for: People who travel frequently by air and prefer Etihad Airways.
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InterMiles HDFC Bank Platinum Credit Card
Key Highlights: A co-branded credit card with exclusive benefits for booking flights with Jet Airways and Etihad Airways.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000
Joining bonus: Within the first 90 days of setting up the InterMiles HDFC Bank Platinum Credit Card, you can get up to 6,000 bonus InterMiles.
Features and benefits
- Acquire 4 InterMiles on each Rs.150 spent and 8 InterMiles on each Rs.150 spent on air tickets and lodgings booked through intermiles.com.
- At some Indian airports, you can get premium check-in and more space for your bags.
- Unlimited free access to the largest airport lounge program in the world.
- Worldwide, unlimited complimentary golf games and lessons.
- privileges for exclusive fine dining at prestigious restaurants.
- customized 24-hour concierge services for all of your reservations.
Rewards redemption option: Miles, which can be exchanged for reward points, can be used to purchase hotel and flight reservations.
Suitable for: People who travel frequently by air and prefer Etihad Airways.
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AXIS Bank Miles & More World Credit Card
Key highlights: On the AXIS Bank Miles & More World Credit Card, you can spend any amount and earn miles that never expire. Free visits to airport lounges at both domestic and international airports are one more travel benefit.
Joining fee: Rs.3,500
Renewal fee: Rs.3,500
Features and benefits
- When you first join, you will receive 5,000 reward points.
- Welcome aboard with complimentary Priority Pass Membership and welcome award miles.
- Within India, there are two free visits to priority pass lounges per year and four free visits to MasterCard lounges per quarter.
- Concierge service available 24 hours a day, 7 days a week for things like booking flights, gifts, and events.
- Benefit from free insurance that covers baggage theft, card theft, and airborne accidents.
Reward redemption option: Miles can be used to book flights with partner airlines, stay in a hotel, shop, or donate to a charity from the partner list.
Suitable for: individuals who frequently fly.
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Axis Bank Titanium Smart Traveller Credit Card
Key Highlights: With the Axis Bank Titanium Smart Traveller Credit Card, you can join the exciting eDGE Loyalty Rewards Program and earn loyalty reward points on all purchases.
Joining Fee: Rs.250 (no annual fee for first year)
Renewal Fee: Rs.100 from 2nd year onwards.
Features and benefits
- Convert all credit card transactions exceeding Rs. 2,500 into simple EMIs.
- On all fuel transactions, you can get a waiver of 1% of the fuel surcharge.
- For every Rs. 200 spent on the card, earn 2 eDGE Loyalty Reward Points.
- For every Rs. 200 spent on travel bookings (such as train, bus, airline, hotel, etc.), earn four eDGE Loyalty Reward Points. that can be used on the card.
- When traveling abroad, earn 8 eDGE Loyalty Reward Points for every Rs. 200 spent on the card.
Rewards redemption option: On the Axis Bank card portal, you can choose from a variety of ways to use your eDGE reward points.
Suitable for: Those who travel frequently.
Air India SBI Signature Card
Key highlights: The Priority Pass Program membership, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, and other benefits are available with the Air India SBI Signature Card, a partnership card.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards).
Joining bonus: 20,000 reward points on payment of joining fee.
Features and benefits
- 30 reward points for every Rs. 100 spent on tickets with Air India.
- 5,000 reward points are included in the annual renewal bonus.
- complimentary enrollment in the Priority Pass Program at the airport.
- 8 free visits to India’s domestic Visa lounges in airports.
- Each year, up to 1 million bonus reward points.
- Rs. 1 lakh in liability insurance for lost cards.
Rewards redemption option: Make use of reward points to purchase Air India miles. 1RP = 1 Air Mile). On the Air India website, you can book tickets with the air miles.
Suitable for: Travelers who would rather fly with Air India.
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Yatra SBI Card
Key Highlights: The Yatra SBI Card, which is offered in partnership with Yatra.com, offers exclusive benefits on domestic and international travel reservations made on Yatra.com.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.one lakh.
Joining Bonus: Yatra.com gift voucher worth Rs.8,250 on payment of first year annual fee.
Features and benefits
- Discounts of up to Rs. 1,000 on domestic flight reservations made through Yatra.com
- Yatra.com customers can save up to Rs.4,000 on international flight reservations.
- 20% off of hotel reservations made on Yatra.com within India.
- Two free visits to India’s airport lounges each quarter.
- complimentary Rs. 50 lakh in air accident insurance.
Rewards redemption option: Yatra gift vouchers can be purchased with reward points. 1RP = Rs.0.25; 1,000 redemption points are the minimum.
Suitable for: individuals who frequently fly within India.
Air India SBI Signature Card
Key highlights: The Priority Pass Program membership, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, and other benefits are available with the Air India SBI Signature Card, a partnership card.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards).
Joining bonus: 20,000 reward points on payment of joining fee.
Features and benefits
- 30 reward points for every Rs. 100 spent on tickets with Air India.
- 5,000 reward points are included in the annual renewal bonus.
- complimentary membership in the Priority Pass Program at the airport.
- 8 free visits to India’s domestic Visa lounges in airports.
- Each year, up to 1 million bonus reward points.
- Rs. 1 lakh in liability insurance for lost cards.
Rewards redemption option: Make use of reward points to purchase Air India miles. 1RP = 1 Air Mile). On the Air India website, you can book tickets with the air miles.
Suitable for: Travelers who would rather fly with Air India.
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IRCTC SBI Card Premier
Key Highlights: The SBI IRCTC Premier card comes with a variety of travel benefits and reward points for spending on travel.
Joining Fee: Rs.1,499
Renewal Fee: Rs.1,499 (2nd year onwards).
Joining Bonus: 1500 reward points as welcome gift
Features and benefits
- A complimentary Rs. 50 lakh air accident insurance policy.
- A free Rs. 10 lakh rail accident insurance policy.
- Access up to eight railway lounges annually.
- When you spend Rs. 1 lakh on travel in a year, you will receive 5,000 reward points.
- When you reach the annual travel spending milestone of Rs.50,000, you will receive 2,500 reward points.
Suitable for: individuals who frequently travel within India by rail.
Axis Bank Vistara Card Premier
Key Highlights: People who frequently fly should use this Axis Bank Vistara Infinite card.
Joining Fee: Rs.3,000
Renewal Fee: Rs.3,000
Joining Bonus: As a welcome bonus, receive one complimentary premium economy ticket.
Features and benefits
- You can purchase protection insurance for Rs. 1 lakh and obtain air accident coverage worth up to Rs. 2.5 crore.
- Get liability coverage for up to 100% of your lost card.
- For every Rs. 200 spent, you earn four club Vistara points.
Suitable for: individuals who frequently fly
HDFC Regalia Credit Card
Key Highlights: The HDFC Bank Regalia Credit Card is best suited for frequent flyers because it provides numerous benefits when traveling by air.
Joining Fee: Rs.2,500
Renewal Fee: Rs.2,500
Features and benefits
- Profit need pass enrollment for essential and extra individuals.
- A low 2% forex markup fee.
- Access to up to six international lounges is free.
- 12 free accesses to domestic lounges.
- When you use net banking to convert airmiles, you get 0.5 airmiles for every point you earn.
Suitable for: individuals who frequently fly
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SBI Card Elite
Key Highlights: Benefits for entertainment, travel, and shopping are provided by this SBI Card Elite.
Joining Fee: Rs.4,999
Renewal Fee: Rs.4,999
Joining Bonus: 5,000-rs. Welcome Yatra voucher
Features and benefits
- One free upgrade voucher comes with the Club Vistara Silver Membership.
- A low 1.99% forex markup fee.
- 9 Club Vistara points for every one hundred rupees spent.
- Upon registration, receive 1,000 welcome points and a free membership in the Trident Privilege Red Tier.
- Six international lounge visits per year and a free membership with a priority pass.
- Each quarter, you can use up to two domestic lounges for free.
Suitable for: People who spend money on shopping, entertainment, and travel.
Eligibility to Apply for Travel Credit Cards
The eligibility requirements for travel credit cards vary from card to card and bank to bank. The minimum eligibility requirements that many banks have established are provided below.
- The applicant must hold Indian citizenship.
- should either work for a salary or independently.
- ought to have a clean credit history.
- The minimum age should be 21, and the maximum age should be between 60 and 65.
Documents Required to Apply for Travel Credit Cards
Again, applying for a travel credit card requires a different set of documents from each credit card issuer. The required documents may also vary depending on the type of applicant. The following is a list of some of the typical documentation that is needed to apply for a travel credit card.
- Copy of PAN card
- Copy of Aadhaar card
- One passport size photograph.
- Past two months salary slips or IT Returns
- Documents that prove an address, such as Aadhaar, voter’s ID, driving license, and passport, depending on which holds your current address.
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How to Apply for Travel Credit Cards Online?
BankBazaar is a travel credit card application online platform that is an official partner of major credit card issuers. You can apply for a card, verify your eligibility, upload the required documentation, and enjoy an easy application process.
- Select your preferred card from the list on the travel credit card page.
- Select the option to “Check Eligibility.”
- Complete the required information and determine your eligibility.
- You will be taken to the page for the online application once you are found to be eligible.
- Complete the form and submit it.
- You will receive an “Application ID” once your application is submitted, which you should keep for future reference.
You can also track your application by using the “Track Application” option on the website.
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