Travel Credit Cards are tailored to the needs of frequent travelers. These credit cards offer benefits such as complimentary access to airport lounges, 24X7 concierge and insurance benefits. They do not only make the cardholder’s travel experience smoother and more comfortable but also, in most cases it offers a higher reward rate on travel-related expenses such as flight bookings and reservations. Many Travel credit cards earn rewards in the form of Airmiles which can be redeemed for flight bookings or class upgrades with partner airmiles.
How Do Travel Credit Cards Work?
Travel Credit Cards are typically offered with collaboration of a renowned brand. These co-branded cards often provide higher rewards for spending with partner airlines or travel portals. Not only that the customers can enjoy exclusive benefits such as complimentary memberships in the airline’s frequent program or bonus airmiles after reaching milestones with these co-branded travel cards. Some of the examples for these co-branded credit cards are Kotak in collaboration with Indigo, Air Vistara credit cards by IndusInd Bank, Axis Bank and many more.
List of Best Travel Credit Cards in India
Now you have basically understood the working of these Travel Credit Cards, now you need a travel credit card, depending on your requirements and needs. Here are some best travel credit cards for India, this list is crafted by the experts at Banking of India.
Axis Bank Vistara Infinite Credit Card
On-boarding benefits
The card offers many onboarding benefits such as 1 reward point per INR 100 and cashback benefits for a particular feature that you select. Not only that, the card offers membership to all the premium brands such as Zee5 and Amazon Prime video.
Rewards Rate
Get 10 Reward Points with this card
Joining Fees
Rs 10000
How to find the right Travel Credit Cards?
In order to find the right travel credit cards, you will understand your travel requirements. If you travel very often, you must go with premium travel credit cards irrespective of higher fees as you would be able to save more using these cards wisely. On the other hand, if you travel only once then you can go with basic credit cards that comes with lower fees with complimentary lounge access annually.
When to use travel credit cards?
Travel credit cards are very beneficial for all those who fly frequently but at the same time you must keep the fact in mind that these cards come with annual fee. So, you must not go with a travel card randomly you must well know about your requirements and needs so that you can choose the right card wisely.
Closing words
As you witnessed there are number of categories within the travel category, which are targeted towards the specific niches of customers. For an instance, if you are frequent, co-branded credit card by IndiGo or Vistara would be more convenient.
The INFINIA Credit Card is designed for high-net-worth individuals who seek a luxurious lifestyle and exclusive privileges. The card has a high annual fee, which is offset by the premium benefits it offers.
Overall, the HDFC Bank INFINIA Credit Card is an excellent choice for individuals who travel frequently, enjoy premium privileges, and can afford the high annual fee. However, it is important to read the terms and conditions carefully and understand the fees, charges, and benefits associated with the card before applying for it.
Frequently asked questions related to Travel Credit Cards
Currency, SBI Cards is the sole card issuer offers travel credit cards. There is a total of 3 IRTC co-branded credit cards currently offered- IRCTC SBI Card Premier, IRCTC SBI Platinum Credit Card and IRCTC RUPAY SBI Credit Card.
Yes, paying an annual fee for a travel credit card is totally worth it for those who are well aware how to get the maximum out of credit card.
There are various travel credit cards offer travel insurance offers such as cover against lost tickets, lost/delayed baggage, cancelled flights etc.