Planning your next trip? Choosing the right travel credit card can make your travel experience even better. The right card can reduce your expenses, earn you rewards and benefits, and protect you while you travel.
But with so many options, choosing the right card can be challenging. In this guide, we will tell you about the best traveler credit cards available in India, so that you can choose the right card for your needs.
What is a traveler credit card?
A traveler credit card is a special type of credit card designed for travelers. This card offers you rewards, discounts, and other benefits on travel-related expenses. These often include:
- Airline miles: You get airline miles for your purchases, which you can redeem for free flights or upgrades.
- Hotel points: You can earn hotel points for hotel stays and other travel-related expenses.
- Travel insurance: Some cards offer travel insurance coverage, making your trip secure.
- Lounge access: Many cards give you access to airport lounges, where you can relax and reduce travel stress.
- Discounts and offers: You can get discounts and special offers from travel agencies, car rental companies, and other travel service providers.
Factors to consider while choosing a travel credit card
- Rewards program: Consider the rewards rate, validity of rewards points, and redemption options.
- Annual fee: Compare the card’s benefits and fees, to make sure it offsets your travel expenses.
- Travel insurance: Check the coverage amount, coverage period, and risks involved.
- Lounge access: If you travel frequently, lounge access can be a valuable benefit.
- Foreign transaction fees: Make sure the card has low or no foreign transaction fees.
- EMI options: EMI options can help you manage your travel expenses.
Best Traveler Credit Cards in India
Many banks and financial institutions in India offer various traveler credit cards. Here’s a look at some of the best options:
- SBI Card PRIME:
- Rewards: 10X reward points on airline and hotel bookings, 5X reward points on online shopping and other categories.
- Benefits: Airport lounge access, free domestic airport transfers, golf course access, and more.
- Charges: ₹4999 annual fee
- HDFC Bank Diners Club Miles:
- Rewards: 10X reward points on international spends, 5X reward points on domestic airfare and hotel bookings.
- Benefits: Airport lounge access, free domestic airport transfers, golf course access, and more.
- Charges: ₹2999 annual fee
- ICICI Bank Sapphiro Amex:
- Rewards: 5 reward points per ₹100 spent.
- Benefits: Airport lounge access, free domestic airport transfers, golf course access, and more.
- Charges: ₹2999 annual fee
- Axis Bank Magnus Credit Card:
- Rewards: 5 reward points per ₹100 spent.
- Benefits: Airport lounge access, free domestic airport transfers, golf course access, and more.
- Charges: ₹2999 annual fee
- Citibank PremierMiles Credit Card:
- Rewards: 10X reward points on international spends, 5X reward points on domestic airfare and hotel bookings.
- Benefits: Airport lounge access, free domestic airport transfers, golf course access, and more.
- Charges: ₹2999 annual fee
How to choose the best traveler credit card?
To choose the right traveler credit card, you should consider the following factors:
- Your travel habits: If you travel frequently, choose a card that offers you more rewards and benefits.
- Your spending habits: If you spend more, choose a card that allows you to earn more rewards points.
- Your preferences: If you want airline miles or hotel points, choose a card that partners with your favorite airline or hotel chain.
- Annual fee: Consider the card’s annual fee and make sure it’s worth the rewards and benefits you earn.
Conclusion
A good travel credit card can enhance your travel experience and help you save money. When choosing one of the above cards, consider your travel habits, spending patterns, and preferences. Choosing the right card can help you make your travel dreams come true.
