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In an era where travel has become integral to our lives, finding the right financial tools to enhance our experiences is crucial. Among the many options available, travel credit cards have emerged as a popular choice for frequent flyers and wanderlust enthusiasts. Whether travelling for business or leisure, you can make your trips more enjoyable and economical by choosing the right credit card. A travel credit card can help you earn rewards on your travel expenses, get discounts on flights and hotels, enjoy complimentary lounge access, save on foreign currency conversion fees, and get travel insurance and other benefits. These cards not only offer exciting rewards and benefits but also provide a sense of financial security while exploring the world.
But how do you choose India's best travel credit card for 2024? There are many factors to consider, such as the annual fee, the reward rate, the redemption options, the co-branded benefits, the eligibility criteria, and the customer service. So, to help you out, we have compiled a list of the top 5 travel credit cards in India for 2024 based on these factors.
Best Credit Card for Travel India
1. Axis Bank Vistara Signature
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The Axis Bank Vistara Signature Credit Card is just like having a loyal travel companion by your side. In association with Air Vistara, this high-end co-branded card offers a delightful surprise—a complimentary Club Vistara Silver membership.
Being a travel credit card, it provides a wide range of travel advantages, such as free domestic airport lounge visits, benefits from travel-related insurance, free flights, a free Club Vistara Silver Membership, etc.
Features
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Welcome Bonus |
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Travel Benefits |
Earn bonus Club Vistara points and upto 4 complimentary premium economy tickets as a milestone benefit. |
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Reward Point Benefits |
Earn 4 CV points for every ₹200 spent on Club Vistara Signature Credit Card. |
|
Insurance Benefits |
Insurance covers upto ₹1 lakh for loss of baggage, travel documents, or delay in check-in baggage. |
|
Dining Benefits |
Get a 25% discount of up to ₹800 at partner restaurants across India. |
|
Lounge Benefits |
Complimentary access to domestic lounges up to 2 times per quarter. |
Fees and Charges
|
Joining Fee |
₹3000 |
|
Annual Fee |
₹3000 |
|
Annual Percentage Rate |
52.86% |
|
Foreign Transaction Fee |
3.50% |
Eligibility
Applicant’s age should be between 18 and 70 years, and their annual income should be at least ₹6,00,000.
2. Standard Chartered EaseMyTrip Credit Card
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The Standard Chartered EaseMyTrip Credit Card can be your gateway to the best travel deals! This co-branded gem between Standard Chartered Bank and EaseMyTrip, India's leading online travel portal, offers exclusive discounts on bookings, complimentary lounge access, and an annual fee waiver. So, travel smart and save big with the Standard Chartered EaseMyTrip Credit Card.
Features
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Discount Benefits |
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Reward Benefits |
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Lounge Benefits |
Get one domestic and two foreign lounge visits per calendar quarter. |
Fees and Charges
|
Joining Fees |
₹350 |
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Annual Fees |
₹350 |
|
Annual Percentage Rate (APR) |
45% |
| Foreign Transaction Fee |
3.5% |
Eligibility
Applicant’s age should be between 21 and 65 years, and they must have a stable income.
3. SBI ELITE Credit Card
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If you are looking for a premium credit card that offers you a range of benefits across travel, shopping, movies, and more, you might want to consider the SBI ELITE Card. This card lets you earn reward points on all your purchases, which can be redeemed for air miles, gift vouchers, or cashback.
You also get complimentary movie tickets worth ₹6,000 every year, free lounge access at domestic and international airports, a low foreign currency markup fee of 1.99%, and a Club Vistara Silver membership.
Features
|
Welcome Bonus |
E-vouchers from any of the participating brands, such as Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop, worth ₹5,000. |
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Travel Benefits |
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Reward Benefits |
Earn 2 Reward Points on every ₹100 spent on retail purchases and enjoy a rewarding 5X Reward Points on dining, departmental stores, and grocery purchases (2.5% reward rate). |
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Zero Liability Protection |
Get a ₹1 lakh insurance cover that is effective from 48 hours before the loss of the card to 7 days after reporting the loss. |
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Fuel Surcharge Waiver |
1% fuel surcharge waiver for each transaction between ₹500 and ₹4000 (max benefit of ₹250 per month). |
Fees and Charges
|
Joining Fees |
₹4,999 |
|
Annual Fees |
₹4,999 |
|
Annual Percentage Rate (APR) |
42% |
|
Foreign Transaction Fee |
1.99% |
Eligibility
If the applicant is self-employed, then he/she must be aged between 21 to 60 years, whereas if the applicant is a salaried individual, then he/she must be aged between 18 to 65 years. In both cases, the minimum monthly income of the individual should be ₹60,000.
4. American Express Platinum Travel Credit Card
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With its focus on travel and lifestyle benefits, the American Express Platinum Travel Credit Card is a must-have for avid travellers. The card offers attractive welcome bonuses, accelerated reward points on travel spends, and exclusive discounts on hotel bookings. Additionally, its tie-ups with leading airlines and hotel chains ensure that you enjoy a seamless travel experience from start to finish.
Features
|
Welcome Bonus |
Get 10,000 Membership Rewards Points redeemable for Flipkart or Amex travel. |
|
Travel Benefits |
E-vouchers worth ₹10,000 from Taj, Vivanta, and SeleQtions Hotels, |
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Milestone Benefits |
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Lounge Benefits |
Enjoy 8 complimentary visits per year (two complimentary visits are permitted every quarter) to airport lounges across India. |
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Dining Benefits |
Get exciting discounts of up to 20% every time you dine at select restaurants. |
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Fuel Surcharge Waiver |
No surcharge on fuelling up at HPCL fuel stations. |
Fees and Charges
|
Joining Fees |
₹3,500 |
|
Annual Fees |
₹5,000 |
|
Annual Percentage Rate |
42% |
|
Foreign Transaction Fee |
3.5% |
Eligibility
Applicant’s age should be at least 18 years, and their annual income should be a minimum of ₹6,00,000.
5. HDFC Bank Diners Club Premium Credit Card
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The HDFC Bank Diners Club Premium Credit Card is a premier financial companion that combines luxury, convenience, and remarkable benefits. With this card in your wallet, you gain access to a world of exclusive privileges, including airport lounge access, travel concierge services, accelerated reward points, and attractive discounts on dining and lifestyle experiences.
Features
|
Welcome Bonus |
Get 2,500 reward points. |
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Travel Benefits |
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Reward Benefits |
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Insurance Benefits |
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Fees and Charges
|
Joining Fees |
₹2,500 |
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Annual Fees |
₹2,500 |
|
Annual Percentage Rate |
43.20% |
|
Foreign Currency Markup |
2.0% |
Eligibility
If the applicant is self-employed, then he/she must be aged between 21 to 65 years and should have a minimum annual income of ₹7.2 Lakhs.
Whereas if the applicant is a salaried individual, then he/she must be aged between 21 to 60 years and should have a minimum monthly income of ₹60,000.
Conclusion
Choose the right travel credit card to make your travel plans less expensive and stressful. We have provided information about the top 5 travel credit cards for 2024 in India, catering to different types of travellers. Compare them based on your preferences and select the one that suits you best. Use Select by Finology's smart comparison tool and apply online through our secure platform.
