Travel credit cards available in India offer various benefits and rewards for frequent travelers. Here are some of the Top Best travel credit cards in India.
Are you looking Best credit card in India for Travel 2023 that will work for you? The time is ideal for you. You may discover everything here, including cashback, lounge access, free hotel stays, and business-class travel.
I’ve examined more than 100+ credit cards from different banks in India and created a list of the best credit cards for 2023 based on different user categories.
6 Best Credit Card In India (Top Credit Cards For Beginners)
List of Best Travel Credit Cards in India 2023
#1. HDFC Bank Regalia Credit Card
HDFC Credit Card offers benefits such as complimentary airport lounge access, reward points on every transaction, travel insurance, and discounts on dining and hotel bookings.
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Benefits And Rewards
- Welcome Offer: The HDFC Bank Regalia Credit Card offers a welcome gift of 2,500 reward points and a Taj Group voucher worth Rs. 5,000 on payment of the joining fee.
- Rewards Program: The card earns 4 reward points for every Rs. 150 spent on all retail transactions. Cardmembers can also earn up to 15,000 bonus reward points on achieving annual spending of Rs. 8 lakhs and above.
- Lounge Access: Cardmembers can enjoy complimentary access to select domestic and international airport lounges through the Priority Pass program.
- Dining Benefits: The card offers discounts and complimentary dishes at select partner restaurants in India.
- Travel Benefits: The card offers benefits such as travel concierge services, discounted hotel bookings, and travel insurance coverage of up to Rs. 1 crore.
- Golf Privileges: Cardmembers can enjoy complimentary golf games and lessons at select golf courses in India.
- Insurance Benefits: The card offers insurance benefits such as air accident cover and lost card liability cover. It also offers complimentary overseas travel insurance coverage of up to Rs. 55 lakhs.
- Annual Fee: The HDFC Bank Regalia Credit Card has an annual fee of Rs. 2,500, which can be waived off if you spend Rs. 3 lakhs or more on your card in a year.
#2. American Express Platinum Travel Credit Card
AMEX credit card offers benefits such as complimentary airport lounge access, reward points on every transaction, discounts on flight and hotel bookings, and travel insurance.
Benefits And Rewards
- Welcome Offer: The American Express Platinum Travel Credit Card offers a generous welcome offer of up to 30,000 Membership Rewards points upon completing the minimum spend requirements within the first three months of card membership.
- Travel Benefits: Cardmembers enjoy a range of travel benefits, including complimentary access to over 1,200 airport lounges worldwide, travel insurance coverage, and hotel privileges such as room upgrades, free breakfast, and late check-out.
- Reward Points: The card earns 1 Membership Rewards point for every Rs.50 spent on eligible purchases, and 2X Membership Rewards points on all eligible travel and hotel bookings made through the American Express Travel website.
- Dining Benefits: Cardmembers can enjoy up to 20% discount on dining at select partner restaurants in India, along with other dining benefits such as complimentary drinks and desserts.
- Lifestyle Benefits: The card also offers lifestyle benefits such as golf privileges, spa discounts, and access to exclusive events.
- Annual Fee: The American Express Platinum Travel Credit Card has an annual fee of Rs.5,000, which can be waived off if you spend Rs. 1,90,000 or more on your card in a year.
#3. Citibank PremierMiles Credit Card
Citi Bank credit card offers benefits such as reward points on every transaction, discounts on flight and hotel bookings, and complimentary airport lounge access.
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Benefits And Rewards
- Welcome Offer: The Citibank PremierMiles Credit Card offers a welcome bonus of 10,000 miles upon the first spend made within 60 days of card issuance.
- Miles Rewards: The card earns 4 miles for every Rs.100 spent on flights and hotel bookings made through the airline and hotel websites or via the PremierMiles website, and 2 miles for every Rs.100 spent on all other retail transactions.
- Redeem Miles for Flights and Hotels: Cardmembers can redeem miles for flights or hotel stays with over 100 airlines and hotel partners, with no blackout dates or restrictions.
- Complimentary Lounge Access: Cardmembers can enjoy complimentary access to select domestic and international airport lounges through the Visa Lounge Access program.
- Travel Insurance Coverage: The card offers travel insurance coverage of up to Rs.1 crore against accidental death and dismemberment while traveling, and other travel-related inconveniences such as baggage loss or delay, flight delay or cancellation, and missed connections.
- Dining Benefits: The card offers discounts on dining at select partner restaurants in India and worldwide.
- Annual Fee: The Citibank PremierMiles Credit Card has an annual fee of Rs.3,000, which can be waived off if you spend Rs. 1,00,000 or more on your card in a year.
#4. Axis Bank Miles & More World Credit Card
Axis Bank Miles credit card offers benefits such as reward points on every transaction, discounts on flight and hotel bookings, and complimentary airport lounge access.
Benefits And Rewards
- Welcome Bonus: The Axis Bank Miles & More World Credit Card offers a welcome bonus of 5,000 Miles & More award miles upon the first transaction made within 90 days of card issuance.
- Miles Rewards: The card earns 4 award miles for every Rs.200 spent on the card, and 2X award miles on all flight bookings made directly with Lufthansa, SWISS, Austrian Airlines, and other Miles & More airline partners.
- Miles & More Status: Cardmembers can earn Miles & More status miles, which count towards elite status qualification, based on their spending on the card.
- Complimentary Lounge Access: Cardmembers can enjoy complimentary access to select domestic and international airport lounges through the Priority Pass program.
- Travel Benefits: The card offers travel benefits such as travel insurance coverage of up to Rs.1 crore against accidental death and dismemberment while traveling, and other travel-related inconveniences such as baggage loss or delay, flight delay or cancellation, and missed connections.
- Dining Benefits: The card offers discounts on dining at select partner restaurants in India and worldwide.
- Annual Fee: The Axis Bank Miles & More World Credit Card has an annual fee of Rs.3,500, which can be waived off if you spend Rs.1,00,000 or more on your card in a year.
#5. SBI Card Elite
Benefits And Rewards
- Welcome Offer: The SBI Card Elite offers a welcome e-gift voucher worth Rs. 5,000 from any of its partner brands upon payment of the joining fee.
- Rewards Program: The card earns 2 reward points for every Rs.100 spent on eligible retail purchases, and 10 reward points for every Rs.100 spent on dining, grocery, and departmental store purchases.
- Lounge Access: Cardmembers can enjoy complimentary access to select domestic and international airport lounges through the Priority Pass program.
- Milestone Benefits: The card offers milestone benefits such as e-gift vouchers worth Rs. 10,000 on achieving annual spends of Rs. 3 lakhs and Rs. 4 lakhs, respectively.
- Golf Privileges: Cardmembers can enjoy complimentary golf games and lessons at select golf courses in India.
- Insurance Benefits: The card offers insurance benefits such as air accident cover, purchase protection cover, and fraud liability cover.
- Annual Fee: The SBI Card Elite has an annual fee of Rs. 4,999, which can be waived
- if you spend Rs. 10 lakhs or more on your card in a year.
#6. ICICI Bank Coral Credit Card
ICICI Bank Coral credit card offers benefits such as reward points on every transaction, discounts on dining and hotel bookings, and travel insurance.
Benefits And Rewards
- Welcome Offer: The ICICI Bank Coral Credit Card offers a welcome gift of up to Rs. 10,000 from select brands upon payment of the joining fee.
- Rewards Program: The card earns 2 reward points for every Rs.100 spent on all retail transactions, and 4 reward points for every Rs.100 spent on dining, groceries, and supermarkets. Cardmembers can also earn up to 8,000 bonus reward points on achieving annual spending of Rs.1.2 lakhs and above.
- Dining Benefits: The card offers discounts and complimentary dishes at select partner restaurants in India.
- Fuel Benefits: Cardmembers can earn a 1% fuel surcharge waiver on fuel transactions at select fuel stations in India.
- Airport Lounge Access: Cardmembers can enjoy complimentary access to select domestic and international airport lounges through the Visa Lounge Access program.
- Insurance Benefits: The card offers insurance benefits such as air accident cover and lost card liability cover. It also offers complimentary overseas travel insurance coverage of up to Rs. 50 lakhs.
- Annual Fee: The ICICI Bank Coral Credit Card has an annual fee of Rs. 500, which can be waived if you spend Rs. 1.5 lakhs or more on your card in a year.
How to Apply for Travel Credit Cards in India
The online application process for a Travel credit card In India.
You will require a few basic documents which include:
- Passport-size photographs (must be recent)
- Document showing proof of identity Document.
- previous month’s salary slip
- Self-employed persons – the previous year’s ITR
- Driving license
- Passport copy
- Voter Id card
- Aadhaar card
For proof of identity, you can use the same documents with the additional possibility of a PAN card.
Best Travel Credit Cards for Beginners
Some card issuers also provide travel credit cards in the entry-level category, even though the majority of travel credit cards are either premium or mid-level cards. The majority of introductory travel credit cards are co-branded cards that are distributed in cooperation with an airline or IRCTC. Entry-level travel credit cards typically offer complimentary domestic airport lounge access (or IRCTC lounge access in the case of IRCTC co-branded cards) and an accelerated reward rate or a higher Reward Points redemption rate on travel expenditures, but they do not typically offer premium benefits like complimentary international airport lounge access or complimentary membership of hotel loyalty programs. Here are a few of the Best credit cards for travel for beginners.
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