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Travellers have a variety of credit cards to choose from – because travel credit cards offer not only extra air miles and tie-ups with specific airlines, but also discounts on hotel stays, dining and easy transactions in foreign countries.
Credit Card | Best For |
---|---|
HDFC Bank Superia Credit Card | Travel and Dining Benefits |
InterMiles HDFC Bank Diners Club Credit Card | Travel and Flight Privileges |
InterMiles HDFC Bank Platinum Credit Card | For Travel Privileges |
Axis Bank Miles & More World Credit Card | Annual Rewards as Miles |
Axis Bank Titanium Smart Traveller Credit Card | For Travel Privileges |
Yatra SBI Card | Offers on travelling with Yatra |
IRCTC SBI Card Premier | Railway booking discounts |
Axis Bank Vistara Signature | Offers on bookings with Vistara |
Air India SBI Signature | Offers on bookings with Air India |
HDFC Regalia | Points on travel bookings |
SBI Card Elite | For low forex markup |
Citi PremierMiles Card | For earning air miles |
Travel credit card is a type of credit card that offers exciting offers and deals related to travel.Most features and benefits offered by travel credit cards provide you savings on travel. From air ticket bookings to reward points accumulation, everything comes with a perk when done through travel credit card.
Travel Credit Card Variant | Annual Fee | Travel Benefits |
---|---|---|
InterMiles HDFC Bank Diners Club Credit Card | Rs.10,000* | Bonus Miles, Discount on base fare, priority check-in, extra baggage allowance, free airport lounge access, discount on Etihad Airways flight bookings, unlimited golf course access across the world. |
InterMiles HDFC Bank Platinum Credit Card | Rs.1,000 | Bonus Miles, Discount on base fare, priority check-in, extra baggage allowance, free airport lounge access with Domestic Visa and Mastercard lounge access programs, discount on return tickets, zero liability on lost card, discount on Etihad Airways flight bookings. |
Axis Bank Titanium Smart Traveller Credit Card | Rs.100 | Easy EMI conversion, eDGE Loyalty Rewards Programme advantage, fuel surcharge waiver across India, reward points for all train, bus, flight, and hotel bookings. |
Axis Bank Miles & More World Credit Card | Rs.3,500 | Complimentary Domestic Mastercard Lounge access membership, annual bonus miles on renewal, fuel surcharge refund of all fuel transactions across India. |
HDFC Bank Superia Credit Card | Nil^ | Access to more than 600 airport lounges across the world with complimentary priority pass membership, fuel surcharge waiver, zero liability on lost card, up to 2 years of expiry-free reward points accumulation. |
Air India SBI Signature Card | Rs.4,999 | Complimentary membership to Priority Pass Program, free airport lounge access, joining and renewal bonus. |
Yatra SBI Card | Rs.499 | Discount on domestic and international flight bookings, hotel bookings made through Yatra, fuel surcharge waiver across petrol pumps, complimentary air accident cover, free airport lounge access. |
IRCTC SBI Card Premier | Rs.1499 | Get 1500 reward points as a welcome gift, complimentary insurance cover, waived fuel surcharge, complimentary railway lounge access. |
Axis Bank Vistara Signature | Rs.1,500 | Complimentary premium economy ticket voucher as welcome gift, exclusive privileges as priority check-in, additional baggage allowance. |
HDFC Regalia Credit Card | Rs.2,500 | 12 complimentary domestic lounge access and six international lounge access in a year |
SBI Card Elite | Rs.4,999 | Welcome e-gift voucher worth Rs.5,000, free movie tickets worth Rs.6,000 annually, 2 complimentary domestic lounge access every quarter and 6 complimentary international lounge access every year. |
Citi PremierMiles Card | Rs.3,000 | Welcome gift of 10,000 miles on spending Rs.1,000 within first 60 days, get up to 10 miles on every Rs.100 spent on airlines transactions and 4 miles for other spends, air accident insurance cover up to Rs.1 crore. |
*Note: The annual fee for the InterMiles HDFC Bank Diners Club Credit Card is waived off in case the cardholder opens as new current account or savings account with the bank.
^Note: The annual fee for the HDFC Bank Superia Credit Card is waived for the first year on spending Rs.15,000 within 90 days of the issuance of the card. From the second year, the annual fee is waived off on spending Rs.75,000 or more annually.
Table of Contents
Travel credit cards offer a wide range of benefits that can be availed by the credit cardholders while enjoying their holiday. From offering welcome gifts to providing complimentary airport lounge access and fee waivers, travel credit cards offer a wide variety of features and benefits catering the needs of frequent travellers.
Let's look at the common benefits offered by most credit cards in detail.
Welcome gift: Most travel credit cards offer a huge lot of reward points or air miles as welcome gift or sign-up bonus. Guess what, the points can be redeemed for air miles at both international and domestic airlines. Some cards also offer free tickets on select airliners.
Complimentary airport lounge access: Some travel credit cards offer complimentary lounge visits at both domestic and international airports. Cardholders can sit and relax in select airport lounges during flight delays and can enjoy the privileges offered by the lounges at no cost. Some lounges provide free access to friends and family accompanying the cardholder.
Travel insurance: Some travel credit cards offer a comprehensive insurance cover that protect the cardholder from unforeseen expenses that may arise due to air accident, medical emergency, loss of baggage, passport or ticket, etc.
Zero liability on lost card: Don't worry if you lose your travel credit card in foreign location. If you report it immediately to the bank, you will have zero liability on any fraudulent transactions made after reporting the loss.
Annual fee waiver: Most of you might be looking for travel credit cards with zero annual fee or no annual fee.
However, due to exclusive privileges offered on travel credit cards, it becomes difficult to find one with no annual fee. But cardholders can avail the annual renewal fee waiver facility offered on most of the travel credit cards.
By spending a specific amount, as decided by the bank, in a given year, users can avail annual fee waiver for the following year. By achieving the target spend every year, cardholders can enjoy the benefits of a no annual fee credit card.
Other benefits: Some travel credit cards also come with complimentary golf lessons, concierge services, free movie tickets and discount coupons on dining.
Many credit card issuers have partnered with major airline companies such as Jet Airways, Air India, Vistara Airlines, etc., to provide exclusive benefits for its customers.
Some of the regular benefits offered by travel credit cards include -
If you're frequent traveller, a travel credit card is a must to have. Listed below are some of the popular travel credit cards offered by various card issuers in India. Choose the one based on your travel patterns and the benefits covered.
Key Highlights: A co-branded credit card that provides exclusive benefits on Jet Airways flight bookings.
Joining fee: Rs.10,000 (Waived off in case a new current account or savings account is opened)
Renewal fee: Rs.5,000 (2nd year onwards). Enjoy annual fee waiver by spending Rs.8 lakh every year.
Joining bonus: Up to 50,000 bonus InterMiles within the first 90 days of InterMiles HDFC Bank Diners Club Credit Card set up.
Rewards redemption option: Reward points can be exchanged for Miles which in turn can be redeemed for flight tickets and hotel bookings.
Suitable for: People who prefer Etihad Airways and are frequent air travellers.
Key Highlights: A co-branded credit card that provides exclusive benefits on Jet Airways and Etihad Airways flight bookings.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000
Joining bonus: Up to 6,000 bonus InterMiles within the first 90 days of InterMiles HDFC Bank Platinum Credit Card set up.
Rewards redemption option: Reward points can be exchanged for Miles which in turn can be redeemed for flight tickets and hotel bookings.
Suitable for: People who prefer Etihad Airways and are frequent air travellers.
Key highlights: Earn never expiring miles every time you spend on the AXIS Bank Miles & More World Credit Card. Other travel benefits include free lounge visits to international and domestic airports.
Joining fee: Rs.3,500
Renewal fee: Rs.3,500
Features and benefits:
Reward redemption option: Redeem accrued miles for flight bookings on partner airlines, hotel bookings, shopping, or charity from the partner list.
Suitable for: Those who travel by air frequently.
Key Highlights: Exciting eDGE Loyalty Rewards Program enrolment with the Axis Bank Titanium Smart Traveller Credit Card that allows you earn loyalty reward points on all spendings.
Joining Fee: Rs.250 (no annual fee for first year)
Renewal Fee: Rs.100 from 2nd year onwards.
Rewards redemption option: You can redeem your eDGE reward points against a number of options offered on the Axis Bank card portal.
Suitable for: Those who travel frequently.
Key highlights: A partnership card with Air India, the Air India SBI Signature Card offers Priority Pass Program membership, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, etc.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards).
Joining bonus: 20,000 reward points on payment of joining fee.
Rewards redemption option: Convert reward points into Air India miles. (1RP = 1 Air Mile). Use the air miles for booking tickets at Air India website.
Suitable for: Air travellers who prefer to fly on Air India.
Key Highlights: Offered in partnership with Yatra.com, the Yatra SBI Card provides exclusive benefits on domestic and international travel bookings 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.1 lakh.
Joining Bonus: Yatra.com gift voucher worth Rs.8,250 on payment of 1st year annual fee.
Rewards redemption option: Reward points can be redeemed for gift vouchers from Yatra. 1RP = Rs.0.25; Minimum redemption points - 1,000.
Suitable for: People who frequently travel by air within India.
Key highlights: A partnership card with Air India, the Air India SBI Signature Card offers Priority Pass Program membership, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, etc.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards).
Joining bonus: 20,000 reward points on payment of joining fee.
Rewards redemption option: Convert reward points into Air India miles. (1RP = 1 Air Mile). Use the air miles for booking tickets at Air India website.
Suitable for: Air travellers who prefer to fly on Air India.
Key Highlights: The SBI IRCTC Premier card offers various travel benefits and reward points on travel spends
Joining Fee: Rs.1,499
Renewal Fee: Rs.1,499 (2nd year onwards).
Joining Bonus: 1500 reward points as welcome gift
Suitable for: People who frequently travel by rail within India.
Key Highlights: This Axis Bank Vistara Infinite card is best suited for people who frequently travel by air.
Joining Fee: Rs.3,000
Renewal Fee: Rs.3,000
Joining Bonus: Avail one complimentary premium economy ticket as welcome benefit
Suitable for: People who frequently travel by air
Key Highlights: This HDFC Bank Regalia Credit Card offers various benefits on air travel and is best suited for frequent flyers
Joining Fee: Rs.2,500
Renewal Fee: Rs.2,500
Suitable for: People who frequently travel by air
Key Highlights: This SBI Card Elite offers benefits for shopping, travelling and entertainment
Joining Fee: Rs.4,999
Renewal Fee: Rs.4,999
Joining Bonus: Welcome Yatra voucher worth Rs.5,000
Suitable for: People who spend on travel, entertainment and shopping
Key Highlights: This Citi PremierMiles card offers benefits on air travel.
Joining Fee: Rs.3,000
Renewal Fee: Rs.3,000
Joining Bonus: Welcome gift of 10,000 on Rs.1,000 spent within first 60 days
Suitable for: People who frequently travel by air.
BankBazaar is an official partner of major credit card issuers and provides an online platform to apply for travel credit cards. You can check your eligibility for a specific card, apply for it, upload the document and enjoy a hassle-free application process.
To apply through BankBazaar, follow the steps mentioned below
The website also features a 'Track Application' option, using which you can track your application.
The eligibility to apply for travel credit cards vary from one bank to another and from one card to other. Listed below is the minimum eligibility criteria set by many banks.
Again, different credit card issuers require different set of documents to process a travel credit card application. Sometimes, the required documents also vary based on the applicant type. Some of the common documents required for a travel credit card application are listed below.
Axis Bank Vistara Signature Credit Card offers free Club Vistara membership and the Axis Bank Vistara Credit Card offers a free membership to Priority Pass Program.
Yes, you will get 20,000 reward points when you pay the joining fee.
You will have to pay Rs.499 as a joining fee for the Yatra SBI Card.
Travel credit cards come with a lot of exciting benefits like welcome gift, travel insurance, complimentary airport lounge access, zero liability on lost card, and annual fee waiver.
Yes, you should be an Indian citizen and your age should be between 21 years and 65 years. You should also be salaried or self-employed. Apart from this, the bank will also look into your credit score before they approve a travel credit card for you.
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