5 Best Travel Credit Card To Pick

5 Best Travel Credit Card To Pick
5 Best Travel Credit Card To Pick

Travel credit cards provide expedited travel rewards and features such as complimentary lounge access, air mile earning, and co-branded privileges with tour operators and travel companies.

These cards are ideal for people who travel regularly for work or pleasure. Here is a list of the top 5 best travel credit cards to choose from.

1. Axis Bank Vistara Signature Credit Card

The Axis Bank Vistara Signature Credit Card is ideal for frequent travelers who favor Vistara Airlines. It rewards up to 2% Club Vistara Points, which may be used for airline upgrades and free flights.

The further you spend on the card, the more travel perks you will receive, as the card’s milestone rewards are fantastic. You can earn up to four premium economy tickets annually by meeting expenditure goals.

The Axis Bank Vistara Signature Credit Card has an age limit for principal applicants (18 – 70 years of age). Applicants must be Indian citizens with an annual income of more than Rs. 6,00,000.

Annual Fee: Rs. 3,000

Eligibility

Individuals that are qualified for the Axis Bank Vistara Signature Credit Card include:

  • The primary cardholder should be between the ages of 18 and 70.
  • Annual net income should be at least INR 6,00,000
  • The applicant must be a resident of India.

Documents Required

  • Form 60 or a photocopy of your PAN card
  • Proof of income: most recent payslip / Form 16 / IT return (any one of the following)
  • Passport, Driver’s License, Ration Card, and Electricity Bill
  • Telephone bill for a landline

Benefits

  • As a welcome gift, you will receive one complimentary Premium Economy ticket.
  • 4 Club Vistara Points for every Rs. 200 spent on the card Reward points may be used for flight bookings and other upgrades.
  • Bonus CV points and up to four free Premium Economy tickets upon reaching certain expenditure thresholds
  • Up to Rs. 2.5 crore in air accident insurance and Rs. 1 lakh in purchase protection insurance
  • Up to 100% credit limit liability coverage for lost cards
Also Read: Apply Airtel Axis Bank Credit Card

2. Air India SBI Signature Credit Card

The SBI Air India Signature credit card is one of the greatest travel credit cards in India, particularly for Air India fans. The baseline reward earning rate is 4%, and all points are worth the same number of Air India Miles.

If you spend Rs. 20 lakh in a year, you can earn up to 1 lakh reward points, which are comparable to 1 lakh Air India Miles and can be used to acquire free trips many times.

Annual Fee: Rs. 4,999

Eligibility

  • You must be a citizen of India.
  • The principal credit cardholder must be at least 18 years old.
  • The candidate must have excellent credit.
  • A monthly income of Rs. 60,000 is required.

Documents Required

  • PAN card
  • Income proof (most recent payslip / Form 16 / IT return) (any one of the following)
  • Passport, Driver’s License, Ration Card, and Electricity Bill
  • Aadhaar Card

Benefits

  • As a welcome bonus, you will receive 20,000 reward points.
  • Earn up to 1 lakh reward points every year.
  • Every Rs. 100 spent on Air India ticket purchasing earns you up to 30 reward points.
  • 8 free VISA lounge visits per year (max. 2 per quarter)
  • Up to Rs. 1 lakh in liability coverage for lost cards
  • For transactions ranging from Rs. 500 to Rs. 4,000, a 1% fuel fee is waived.

3. Citi PremierMiles Credit Card

Citi premier miles are as good as regalia without the Priority Pass bonus trips, with a default reward rate of 1.8 percent. The main difference is its hefty joining price of Rs.3,000+tax, which is offset by a welcome incentive, but not by much for renewals.

Annual Fee: Rs. 3,000

Eligibility

  • You must be at least 21 years old to participate.
  • You must be under the age of 65.
  • The income requirements change from time to time and will be disclosed to you when you apply for the card.
  • You must be an Indian resident or a non-resident of India.

Documents Required

  • PAN card
  • Income proof (most recent payslip / Form 16 / IT return) (any one of the following)
  • Passport, Driver’s License, Ration Card, and Electricity Bill
  • Aadhaar Card

Benefits

  • Get 10,000 introductory miles after activating the card and spend Rs.1,000 within 60 days of receiving it.
  • When you renew your card, you will receive 3,000 extra miles.
  • Earn PremierMiles with every purchase.
  • At www.premiermiles.co.in, you may earn 10 miles for every Rs.100 spent on airlines.
  • Earn 4 miles for every Rs.100 spent on any other purchases.
  • On the PremierMiles website and with Citibank partner hotels, you can redeem points for flights on more than 100 airlines.
  • The miles earned with the Citi PremierMiles Card have no expiration date.
  • Benefit from up to Rs.1 crore in air accident insurance coverage.
  • Enjoy up to Rs.10 lakh in Lost Card Liability Coverage.
Also Read: SBI Unnati Credit Card

4. SBI IRCTC Credit Card

This creates the greatest travel credit card for train travelers, specifically tailored for them. The only credit card available in the SBI IRCTC credit card. It gives you a 10% discount, and if you like to travel in AC classes, the credit card gives you plenty of reward points for booking in AC coaches.

Annual Fee: Rs. 500

Eligibility

  • He or she must be a Resident Indian.
  • He or she should have a clean credit record.
  • He or she must be over the age of 18 and under the age of 65.

Documents Required

  • PAN card
  • Proof of income (3 most recent payslips / Form 16 /2 year IT return)
  • Passport, Driver’s License, Aadhaar Card, and Electricity Bill.

Benefits

  • IRCTC SBI Card holders may get 1 reward point for every Rs. 125 spent on non-fuel retail transactions, including train ticket purchases made through the IRCTC website or mobile app.
  • When ordering AC1, AC2, AC3, and AC Chair Car tickets on the IRCTC website, you will receive 10% Value back in the form of reward points.
  • Waiver of 1% transaction fees on train ticket purchases.
  • The first transaction must be performed within 45 days after the card’s issue.
  • Cashback of Rs. 100 on your first ATM cash withdrawal made within 30 days of acquiring the card.

5. HDFC Regalia Credit Card

The HDFC Regalia credit card is one of the best in India. It is best suited for high-spending individuals and frequent travelers. If you travel frequently, Regalia will provide you with six international lounge visits per year and twelve domestic lounge visits per year.

This card has a low foreign currency mark-up fee of around 2% for regular international travelers. The FX mark-up cost is typically 3.5 percent or more, with only a few cards on the market charging a lower amount.

Annual Fee: Rs. 2,500

Eligibility

Eligibility for the HDFC Bank Regalia Credit Card:

For Salaried Person

  • Age: Minimum 21 years and maximum 60 years
  • Net Monthly Income: More than Rs 1 lakh

For Self Employed

  • Age: Minimum of 21 years and maximum of 65 years
  •  ITR filled more than Rs 12 lakhs per year.

Documents Required

  • PAN card
  • Proof of income (3 most recent payslips / Form 16 /2 year IT return)
  • Passport, Driver’s License, Aadhaar Card, and Electricity Bill.

Benefits

  • 12 complimentary airport lounge access within India and 6 complimentary airport lounge access outside of India.
  • In an anniversary year, you will receive a bonus of 10,000 Reward Points for spending Rs. 5 lakhs and an extra 5,000 Reward Points for spending Rs. 8 lakhs.
  • For every Rs.150 purchased, you will receive 4 Reward Points.
  • 2 % on all foreign currency purchases.
  • To gain complimentary lounge admission, present your Regalia credit card in the lounge.
Also Read: Yes Bank Finbooster Card

Comparing Travel Credit Cards

Because there are so many travel cards on the market, choosing the appropriate one may be challenging and complicated. To do so, you must assess your own and your family’s unique travel needs.

With so many travel credit cards available, it’s critical to consider which credit card features best fulfill your travel objectives.

Rates of return

Consider the reward rates of each card – how many points or miles you earn per money spent. General travel cards provide flat-rate rewards, however, co-branded cards will most likely provide a base rate followed by a larger percentage in specific areas such as hotels and airline tickets.

The annual charge

The majority of travel credit cards have an annual fee – the greater the price, the better the advantages and some premium cards can charge up to Rs. 10,000. Consider the worth of the benefits and bonuses you’ll receive to ensure they’ll outweigh the charge. If you travel only a few times a year, a high-end card like the American Express Platinum is probably not worth it.

Fees for international transactions

Because one of the benefits of a travel credit card is that it is favorable for frequent travelers, a good one should not impose a foreign transaction fee. If it does, the smaller the number, the better. Discover and Capital One, for example, do not levy international transaction fees on any of their cards. Others charge them on certain but not all cards.