5 Best Travel Credit Cards in India 2023

Best Travel Credit Cards If you love to travel, you know how much it can cost. But what if you could earn rewards while you travel? That’s where travel credit cards come in. These cards offer rewards like miles, points, and cash back on travel-related expenses. In this article, we’ll take a look at the best travel credit cards in India that can help you save money and earn rewards on your next adventure.

Understanding Travel Credit Cards

Before we dive into the best travel credit cards in India, let’s take a moment to understand what travel credit cards are and how they work.

A travel credit card is a type of credit card that is designed specifically for travel-related expenses. These cards often come with rewards programs that offer points, miles, or cash back for purchases like airline tickets, hotel stays, and car rentals.

Travel credit cards also come with other benefits like travel insurance, lounge access, and priority boarding. Some travel credit cards even offer exclusive perks like free checked bags, waived foreign transaction fees, and concierge services.

Factors to Consider When Choosing a Travel Credit Card

There are several factors to consider when choosing a travel credit card in India. Here are some of the most important factors to keep in mind:

Rewards Program

The rewards program is perhaps the most important factor to consider when choosing a travel credit card. Look for a card that offers rewards that align with your travel goals and preferences.

For example, if you primarily fly with a specific airline, you may want to consider a co-branded credit card that offers bonus miles for purchases with that airline.

Annual Fee

Most travel credit cards come with an annual fee. Make sure to factor in this cost when deciding whether a card is right for you. Look for a card with an annual fee that is reasonable and that you can afford.

Interest Rates and Fees

In addition to the annual fee, make sure to consider the interest rates and fees associated with the card. Look for a card with a low APR and no or low foreign transaction fees.

Additional Benefits

Finally, consider any additional benefits that come with the card. This might include travel insurance, lounge access, and other perks that can enhance your travel experience.

The Best Travel Credit Cards in India

Now that you understand the factors to consider when choosing a travel credit card, let’s take a look at some of the best travel credit cards in India:

1. HDFC Bank Regalia Credit Card

The HDFC Bank Regalia Credit Card is one of the best travel credit cards in India. It offers a rewards program that allows you to earn 4 reward points for every Rs. 150 spent. These points can be redeemed for flights, hotels, and other travel-related expenses.

The card also comes with other benefits like airport lounge access, travel insurance, and concierge services. The annual fee for this card is Rs. 2,500.

2. Axis Bank Miles and More World Credit Card

The Axis Bank Miles and More World Credit Card is another great option for travelers in India. It offers a rewards program that allows you to earn miles for purchases with Lufthansa and other partner airlines.

The card also comes with other benefits like lounge access, travel insurance, and concierge services. The annual fee for this card is Rs. 3,500.

3. SBI Card Elite

The SBI Card Elite is a great choice for travelers who want to earn rewards on their everyday purchases. It offers a rewards program that allows you to earn 2 reward points for every Rs. 100 spent.

The card also comes with other benefits like airport lounge access, travel insurance, and fuel surcharge waiver. The annual fee for this card is Rs. 4,999.

4. American Express Platinum Travel Credit Card

The American Express Platinum Travel Credit Card is a premium travel credit card that offers a wide range of benefits for travelers. It offers a rewards program that allows you to earn Membership Rewards points for every Rs. 50 spent.

The card also comes with other benefits like airport lounge access, travel insurance, and concierge services. The annual fee for this card is Rs. 5,000.

5. ICICI Bank Sapphiro Visa Credit Card

The ICICI Bank Sapphiro Visa Credit Card is a great option for travelers who want to earn rewards on their everyday spending. It offers a rewards program that allows you to earn 2 reward points for every Rs. 100 spent.

The card also comes with other benefits like airport lounge access, travel insurance, and concierge services. The annual fee for this card is Rs. 5,000.

Conclusion

Travel credit cards are a great way to earn rewards while you travel. By choosing the right travel credit card, you can save money on travel-related expenses and earn rewards that you can use for future trips.

When choosing a travel credit card in India, make sure to consider the rewards program, annual fee, interest rates and fees, and additional benefits. By keeping these factors in mind, you can find the best travel credit card for your needs.

FAQs

What is a travel credit card?

A travel credit card is a type of credit card that is designed specifically for travel-related expenses. These cards often come with rewards programs that offer points, miles, or cash back for purchases like airline tickets, hotel stays, and car rentals.

What should I look for in a travel credit card?

When choosing a travel credit card, make sure to consider the rewards program, annual fee, interest rates and fees, and additional benefits. By keeping these factors in mind, you can find the best travel credit card for your needs.

Are travel credit cards worth it?

If you travel frequently, a travel credit card can be a great way to earn rewards on your travel-related expenses. However, it’s important to choose a card that aligns with your travel goals and preferences.

Can I use a travel credit card for everyday spending?

Yes, many travel credit cards offer rewards for everyday spending. Look for a card that offers rewards on the types of purchases that you make most often.

How do I redeem rewards from my travel credit card?

The process for redeeming rewards varies depending on the card. In most cases, you can redeem rewards online or by contacting the credit card company’s customer service department.

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