Top Travel Credit Cards in India: Unlock Travel Perks & Benefits

Q: What are the types of travel credit cards available in India?

In India, travel credit cards can be categorized into generic travel cards, airline co-branded cards, and travel portal co-branded cards.

Q: What benefits do generic travel credit cards offer?

Generic travel credit cards provide a variety of benefits, including rewards on travel spending, lounge access, and milestone bonuses, making them versatile for various travel needs.

Q: Who should consider airline co-branded credit cards?

Frequent flyers who often travel with a specific airline should consider airline co-branded credit cards as they offer exclusive flight rewards and benefits like free tickets and lounge access.

Q: How can travel portal co-branded credit cards benefit online trip planners?

Travel portal co-branded credit cards offer discounts and vouchers on bookings made through specific travel platforms, providing savings and convenience for those who plan their travel online.

Q: What should I consider when choosing a travel credit card?

When selecting a travel credit card, consider factors like your travel frequency, preferred airlines, rewards program, lounge access, foreign transaction fees, and eligibility criteria.

Team PaisaSimple • January 20, 2025

Explore the best travel credit cards in India, offering perks from lounge access to flight rewards. Whether you're a frequent flyer or an online trip planner, find the perfect card to enhance your travel experience.

Understanding Travel Credit Cards in India

Travel credit cards are like your travel buddies that come with perks and benefits to make your journey more enjoyable. In India, these cards can be broadly categorized into three types: generic travel cards, airline co-branded cards, and those partnered with travel portals.

Generic Travel Credit Cards: The All-Rounders

Think of generic travel credit cards as the Swiss Army knives of credit cards. They offer a variety of benefits across different travel needs. For instance, the Axis Bank Atlas Credit Card provides 5 EDGE Miles for every ₹100 spent on travel, plus lots of lounge visits. Similarly, the American Express Platinum Travel Credit Card offers lounge access and vouchers from top hotels when you hit spending milestones. It's like getting rewarded for spending on your travel adventures!

Airline Co-Branded Credit Cards: For the Frequent Flyers

If you often find yourself up in the air, airline co-branded credit cards might be your best travel companions. The Kotak IndiGo Ka-ching 6E Rewards XL Credit Card gives you rewards on all spending, especially when you book IndiGo flights. Meanwhile, the Axis Bank Vistara Signature Credit Card offers a complimentary premium economy ticket and lounge visits. It's like getting a VIP pass to the skies!

Travel Portal Co-Branded Credit Cards: Deals and Discounts Galore

These cards are perfect for those who love planning their trips online. The MakeMyTrip ICICI Bank Credit Card offers savings on MakeMyTrip spends and a yearly ₹1,000 voucher. On the other hand, the Yatra SBI Card provides vouchers and discounts on bookings through Yatra.com. It's like having a travel agent in your wallet!

Other Noteworthy Cards

Don't miss the IRCTC SBI Card Premier, which gives you value back on train bookings and railway lounge visits. It's perfect for train travelers who want to travel in comfort and style.

Key Features and Benefits to Consider

When choosing a travel credit card, look for features like lounge access, rewards and miles, welcome benefits, and discounts on bookings. These can significantly enhance your travel experience by saving you money and providing comfort.

Choosing the Right Travel Credit Card

Picking the right travel credit card is like choosing the right pair of shoes for a long journey. Consider your travel habits and preferences. If you stick to one airline, go for an airline co-branded card. For international travel, look for cards with low forex fees. Remember, mid-range or premium cards offer more perks but may have stricter eligibility criteria.