Best Travel Credit Cards In India 2024

Introduction

Selecting the Best Travel Credit Cards in India 2024 is a difficult process as several Banks in collaboration with airlines or travel partners are offering customised Co-branded Travel Credit Cards in India today. After careful research and a detailed comparative study, I have selected a list of the Best Travel Credit Cards available in India in 2024 that is just right for you.

These selected co-branded travel credit cards are tailor-made for frequent travelers as they offer a wide range of travel-related features and benefits such as complimentary airport lounge access, air miles, free flight tickets, and exclusive Travel Club memberships.

BEST TRAVEL CREDIT CARDS IN INDIA 2024-SALIENT FEATURES AND REVIEW

Table of Contents

Best Travel Credit Cards In India -2024

Standard Chartered Ease My Trip Credit Card

STANDARD CHARTERED EASE MY TRIP CREDIT CARD
Salient Features Description
Annual Fee -1st Year ₹350 + GST
Renewal Fee ₹350 + GST (2nd Year onwards)
Renewal Fee Waiver Renewal Fee waived on spends = > ₹50,000 in the preceding year
Rewards Earn 10x Reward points on every ₹100 spent at standalone hotel and airline websites/apps.
Discounts Get flat 20% & 10% instant discount* on hotel* and flight bookings at EaseMyTrip website/app.
Airport Lounge Access Enjoy 1 Domestic Lounge Access per quarter and 2 International Lounge Access per year
Eligibility Criteria Description
Age The Applicant must be between 18 and 65 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a Stable Annual Income
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Bank statements(Last 3 Months /Latest salary slips ( 1-2 months), or latest audited ITR

This Credit Card is a Co-branded Credit card between Standard Chartered Bank and Ease My Trip with exclusive travel benefits. It combines the power of discounts with reward points making it one of the most rewarding travel credit card.

Air India SBI Signature Credit Card

AIR INDIA SBI PLATINUM CREDIT CARD
Salient Features Description
Annual Fee -One Time Up to ₹1499 + GST
Renewal Fee Per Annum ₹1499 + GST from 2nd Year onwards
Add On Fee Per Annum Nil
Rewards Earn 2 Reward points on every ₹100 spent
Travel Rewards Earn upto 15 Reward Points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app. Convert your Reward points into Air India miles.
Fuel Surcharge Waiver Earn 1% Fuel Surcharge Waiver across all petrol pumps
Eligibility Criteria Description
Age The Applicant must be between 21 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a Stable Annual Income
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements (Last 3 months)

This Co-branded Credit Card is best suited for earning Flying Returns Points when you book tickets  on the Air India website or App and complimentary membership to Air India’s highly rewarding Frequent Flyer programme.

Yatra SBI Credit Card

YATRA SBI CREDIT CARD
Salient Features Description
Annual Fee -One Time ₹499 + GST
Renewal Fee Per Annum ₹499 + GST
Annual Fee Waiver Annual Fee waived if total annual spends for last year >₹1,00,000
Welcome Gift Rewards Welcome Gift of Yatra.com Vouchers worth ₹8250
Travel Rewards Earn 6 Reward Points for every Rs. 100 spent on departmental stores ,Grocery, Dining , Movies
Fuel Surcharge Waiver Earn 1% Fuel Surcharge Waiver across all petrol pumps
Eligibility Criteria Description
Age The Applicant must be between 21 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a Stable Annual Income
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for earning attractiveYatra.com vouchers worth ₹ 8250 and Travel Benefits on domestic and international flight bookings with complimentary Air Accidental Cover over ₹ 50 lakhs.

Axis Bank Vistara Signature Credit Card

AXIS BANK VISTARA SIGNATURE CREDIT CARD
Salient Features Description
Joining Fee ₹3000 + GST
Annual Fee -2nd Year onwards ₹3000 + GST
Welcome Gift Rewards Earn a complimentary Premium Economy class ticket as welcome gift on fee payment
Club Vistara Membership Earn exclusive privileges of Club Vistara membership such as priority check-in and additional baggage allowance
Travel Rewards Earn 4 CV Points for every Rs. 200 of eligible spends and redeem on upgrades and award flights subject to Terms and Conditions
Eligibility Criteria Description
Age The Applicant must be between 18 and 70 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a minimum Annual Income Of 6 Lakhs per annum
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for earning Club Vistara Points redeemable against upgrades and flight tickets and complimentary Club Vistara Silver Membership for priority check-in and additional baggage allowance.

IRCTC SBI Platinum Credit Card

IRCTC SBI PLATINUM CREDIT CARD
Salient Features Description
Annual Fee -One Time ₹500 + GST
Renewal Fee Per Annum ₹300 + GST
Rewards Earn 1 Reward Point for every ₹125 spent on non-fuel retail purchases
Welcome Gift Earn 350 Bonus Reward Points on a single transaction of ₹500 or more within 45 days of card activation
Value back Benefits Earn up to 10% value back as Reward points through booking on irctc.co.in and IRCTC App
Fuel Surcharge Waiver Earn 1% Fuel Surcharge Waiver
Eligibility Criteria Description
Age The Applicant must be between 21 and 65 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have net Income of 2.4 Lakhs to 3 Lakhs per annum
Credit Score Applicant should preferably have a good credit score > 750
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Credit Card is Best Suited for earning Reward points through Railway ticket bookings at the IRCTC portal or IRCTC App with special offers for AC train rides and access the luxury of Railway Lounges during your trips.

HDFC Regalia Gold Credit Card

HDFC REGALIA GOLD CREDIT CARD
Salient Features Description
Joining Fee- 1st Year ₹2500 + GST
Renewal Fee ₹2500 + GST
Welcome Gift Earn Complimentary Club Vistara Silver Tier and MMT Black Elite membership
Rewards Earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital and 4 Reward Points on every Rs.150 spent on retail.
Travel Rewards Earn ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs. Also earn Complimentary Lounge access across airports
Eligibility Criteria Description
Age For Salaried Indian Age Requirement : Min 21 years & Max 60 Years. For Self Employed Indian Age Requirement: Min 21 years & Max 65 Years
Nationality The Applicant must be Citizen of India
Income For Salaried Indian : Net Monthly Income> ₹1,00000. For Self Employed Indian : Income as per ITR > ₹ 12 Lakhs per annum
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for earning Club Vistara Points and vouchers redeemable against upgrades and flight tickets and complimentary Club Vistara Silver Tier and elite MMT Black Elite Membership.

Make My Trip ICICI Bank Signature Credit Card

MAKE MY TRIP ICICI BANK SIGNATURE CREDIT CARD
Salient Features Description
Joining Fee ₹2500 + GST
Annual Fee Nil
Welcome Gift Rewards Earn MMT Holiday Vouchers worth ₹2500 and ₹1500 My Cash exclusive MMTBLACK Membership
Loyalty Benefits Enjoy the MMTBLACK Loyalty programme
Complimentary Movie Tickets Save up to ₹3600 yearly on movie tickets through bookings on the Book My Show App
Rewards Earn Up to 4 My Cash points on hotel and flight bookings on MakeMyTrip App per spend of ₹200
Eligibility Criteria Description
Age The Applicant must be between 21 and 58 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have stable monthly Income
Credit Score Applicant should preferably have a good credit score > 700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for those who travel frequently as it offers great travel benefits, such as exclusive memberships, complimentary lounge access, holiday vouchers, bonus reward points on travel bookings and MMT Black Membership on payment of a Joining Fee.

Kotak Indigo 6E Rewards Credit Card

KOTAK INDIGO 6E REWARD CREDIT CARD
Salient Features Description
Joining Fee ₹700 + GST
Renewal Fee ₹700 + GST
Welcome Benefits Earn Free IndiGo air ticket worth ₹1500 , a 6E Addon worth ₹1099 and Budweiser Gift voucher subject to T & C
Rewards Earn 6E Reward points ranging from 1% to 3% on retail spends . The earned 6E reward points can be redeemed against Indigo Airlines Flight tickets.
Savings on Hotel Bookings Earn exclusive discount offers at Accor hotels
Eligibility Criteria Description
Age The Applicant must be between 21 and 65 years old
Nationality The Applicant must be Citizen of India
Income Applicant should have a net Income of 4 lakhs per annum
Credit Score Applicant should preferably have a good credit score > 750
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Credit Card is a Co-branded Credit card between Kotak Mahindra Bank and Indigo Airlines with exclusive travel benefits for frequent flyers. The Credit Card’s 6E Rewards ranging from 1% -3% on retail spends is highly rewarding as it can be redeemed against bookings of Flight tickets on Indigo Airlines.

HDFC Intermiles Signature Credit Card

HDFC INTERMILES SIGNATURE CREDIT CARD
Salient Features Description
Joining Fee ₹2500 + GST
Annual Fee ₹2500 + GST
Welcome Gift Earn InterMiles Silver membership by default for the first year as Welcome gift
Rewards Earn 6 InterMiles on every Rs. 150 spent on retail spends. Earn 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com
Travel Rewards Rs. 750 Flight Discount vouchers* for the first year Rs. 2000 Hotel Discount vouchers* for the first year
Eligibility Criteria Description
Age Age Requirement : Min 18 years & Max 65 Years.
Nationality The Applicant must be Citizen of India
Income For Salaried Individuals : Yearly Income= > 4,00,000/-
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for frequent flyers as they can earn attractive Inter -Miles points redeemable against Hotel and Flight bookings. It also offers complimentary Inter-Miles silver membership for the 1st year by default.

Club Vistara IDFC First Credit Card

CLUB VISTARA IDFC FIRST CREDIT CARD
Salient Features Description
Joining Fee- 1st Year ₹4999 + GST
Annual Fee - 2nd Year onwards ₹4999 + GST
Welcome Gift Earn 1 complimentary premium economy Air ticket voucher and 3 months complimentary EazyDiner Prime membership
Rewards Earn 6 CV Points on Spends every ₹ 200 on Fuel, Utility, Insurance and wallet loads up to ₹1 lakh
Travel Rewards Earn exclusive Club Vistara Silver Membership and 1 free one-class upgrade voucher.
Eligibility Criteria Description
Age The Applicant must be at least 21 years of Age
Nationality The Applicant must be Citizen of India
Income The Applicant must have a minimum income of ₹3 lakhs per annum
Credit Score The Applicant must have good credit score preferably >700
Documents Required Description
Proof of Identity Aadhaar Card/Pan Card/Passport/Voter's ID Card/Driving license/Ration card
Proof of Address Aadhaar Card/Pan Card/Driving License/Passport/Utility Bills (not more than 3 months old)
Proof Of Income Latest salary slips (1-2 months)/Bank Statements - Last 3 months/Form-16

This Co-branded Credit Card is best suited for travel as it offers welcome benefits that include a complimentary premium economy flight ticket voucher and a one-class upgrade voucher, Bonus CV points on reaching spend-based milestone and  exclusive Club Vistara Silver tier membership.

Comparision Table-Best Travel Credit Cards in India 2024

Credit Cards Joining /Annual Fee Renewal Fee Welcome Benefits Airport Lounge Access Rewards Travel Benefits
Standard Chartered Ease My Trip Credit Card ₹350 + GST ₹350 + GST Nil 1 Domestic Lounge Access per quarter and 2 International Lounge Access per year Earn 10x Reward points on every ₹100 spent at standalone hotel and airline websites/apps. Flat 20% & 10% instant discount* on hotel* and flight bookings at EaseMyTrip website/app.
Air India SBI Signature Credit Card ₹1499 + GST ₹1499 + GST Earn 5,000 Reward points* as a welcome gift on the payment of your joining fee 8 complimentary Visa lounge visits per year, maximum 2 per quarter. Earn 2 Reward points on every ₹100 spent Earn upto 15 Reward Points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app.
Yatra SBI Credit Card ₹499 + GST ₹499 + GST Earn Yatra.com vouchers worth ₹ 8250 as welcome gift No Complimentary Lounge access Earn 6 Reward Points for every Rs. 100 spent on departmental stores ,Grocery, Dining , Movies ₹1,000 off on domestic flight bookings. Min. trxn of Rs. 5,000 and ₹4,000 off on international flight bookings. Min. trxn of Rs. 40,000
Axis Bank Vistara Signature Credit Card ₹3000 + GST ₹3000 + GST Earn a complimentary Premium Economy class ticket as welcome gift on fee payment 2 complimentary domestic Lounge access per quarter. No International Lounge access Earn exclusive privileges of Club Vistara membership such as priority check-in and additional baggage allowance Earn 4 CV Points for every Rs. 200 of eligible spends and redeem on upgrades and award flights subject to Terms and Conditions
IRCTC SBI Platinum Credit Card ₹500 + GST ₹300 + GST Earn 350 Bonus Reward Points on a single transaction of ₹500 or more within 45 days of card activation 8 complimentary railway lounge access in a year to participating lounges in India. Earn 1 Reward Point for every ₹125 spent on non-fuel retail purchases Earn up to 10% value back as Reward points through booking on irctc.co.in and IRCTC App
HDFC Regalia Gold Credit Card ₹2500 + GST ₹2500 + GST Earn Complimentary Club Vistara Silver Tier and MMT Black Elite membership 12 complimentary airport lounge access at both domestic and international terminals. Earn 5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital and 4 Reward Points on every Rs.150 spent on retail. Earn ₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and an additional voucher of Rs. 5000 on spends of Rs. 7.5 lakhs.
Make My Trip ICICI Bank Signature Credit Card ₹2500 + GST Nil Earn ₹1500 My Cash as welcome benefit 2 complimentary domestic airport lounge access by spending Rs. 5,000 in the quarter 1 international lounge access per year at selected airports in India Earn Up to 4 My Cash points on hotel and flight bookings on MakeMyTrip App per spend of ₹200 Earn MakeMyTrip holiday voucher worth Rs. 2,500 and complimentary MMT BLACK enrolment.
Kotak Indigo 6E Rewards Credit Card ₹700 + GST ₹700 + GST Earn Free IndiGo air ticket worth ₹1500 , a 6E Addon worth ₹1099 and Budweiser Gift voucher subject to T & C Nil Earn 6E Reward points ranging from 1% to 3% on retail spends . The earned 6E reward points can be redeemed against Indigo Airlines Flight tickets. Earn discounted convenience fee of Rs.150 per passenger when you book IndiGo tickets. Avail 6E Prime add-on benefits worth Rs.899/priority check-in benefits.
HDFC Intermiles Signature Credit Card ₹2500 + GST ₹2500 + GST Earn InterMiles Silver membership by default for the first year Avail 16 complimentary Visa Lounge visits Per Year (4 per quarter) when you travel. Earn 6 InterMiles on every Rs. 150 spent on retail spends/ 12 InterMiles on every Rs. 150 spent on every flight ticket booked on http://flights.intermiles.com Rs. 750 Flight Discount vouchers* for the first year Rs. 2000 Hotel Discount vouchers* for the first year
Club Vistara IDFC First Credit Card ₹4999 + GST ₹4999 + GST Earn 1 complimentary premium economy Air ticket voucher and 3 months complimentary EazyDiner Prime membership Domestic Airport Spa & Lounge - 2 per quarter/ International Airport Lounge - 1 per quarter Earn 6 CV Points on Spends every ₹ 200 on Fuel, Utility, Insurance and wallet loads up to ₹1 lakh Earn exclusive Club Vistara Silver Membership and 1 free one-class upgrade voucher.

Conclusion

In conclusion, Travel Credit Cards are extremely valuable  if  you are a frequent traveller and looking for travel reward such as Airmiles, travel insurance coverage, hotel and dining discounts , exclusive Travel club membership etc. Travel credit cards also offer free Air Ticket vouchers as welcome gifts and complimentary domestic and international lounge access at railways and airports.

Travel credit cards can be either generic or co-branded . Co-branded Travel Credit Cards are launched in partnership with an airline like Air India, or in some cases, IRCTC or even travel portals like MakeMyTrip, Yatra, etc.). Co-branded travel cards offer special benefits on spends on the partner airline and/or earn rewards as the partner airline’s Air Miles which are credited to the airline’s frequent flyer program.

If you’re a frequent domestic flyer, a co-branded credit card by Vistara or Indigo Airlines would make more sense for you than an Emirates of Etihad credit card. Similarly, if you prefer trains over flights, IRCTC cards will best suit your needs. Therefore, it becomes important that you choose the right travel credit card considering your travel needs.

FAQ

Why is a Travel Credit Card beneficial ?

Travel credit cards are extremely beneficial as they offer higher reward rate (be it reward points or cashback) on travel-related spends (flight/hotel bookings). Most travel credit cards also offer additional benefits like concierge service, complimentary airport lounge access, etc. Some typically come with a welcome offer that awards you a lump sum of points after spending a certain amount on the card within a specific time frame. After that, you continue to earn points by using your credit card for purchases, just like any other type of credit card. Some premium travel credit cards also offer vouchers and coupons from famous hotel and resort chains. Co-branded travel credit cards offer special benefits to partner airlines/portals.

When choosing the right travel credit card, you need to consider the following factors:

  1. Rewards Structure: Look for cards that align with your spending habits. Some cards offer higher rewards for specific categories like dining, travel, or groceries.
  2. Welcome Bonus: A generous welcome gift such as Bonus reward points, exclusive memberships such as Club MMTBlack, Club Vistara, or even complimentary Flight tickets or vouchers redeemable against Flight tickets.

Maximizing your rewards with a travel credit card involves strategic planning and making the most of the card’s features. Here are some tips to help you get the most out of your travel credit card:

  • Choose the Right Card
  • Meet the Minimum Spend Requirement
  • Use the Card for All Eligible Purchases
  • Leverage Bonus Categories
  • Combine Points and Miles
  • Redeem Wisely
  • Keep an Eye on Promotions
  • Use Travel Portals

If you are a domestic frequent flyer, you may consider the following credit cards :

Co-branded Travel Credit Cards such as Kotak Indigo 6E Rewards Credit Card and IRCTC SBI Platinum Credit Card and Yatra SBI Credit Card offered by the State Bank of India in partnership with IRCTC. These are excellent entry level travel credit cards with Low joining fees and decent travel -related awards.

Whether you are a seasoned travel card veteran or a total newbie, avoiding common mistakes is crucial to maximize the benefits of your travel credit card. Let’s explore some of them:

  1. Spending Too Much
  2. Not Spending Enough
  3. Losing Your Points
  4. Redeeming Points at Low Value
  5. Not Transferring Points 
  6. Spending Points vs. Paying Cash
  7. Not Using Your Benefits
  8. Misunderstanding Bonus Categories

You should have a score above 750 for basic travel Travel credit cards and an excellent score (above 800) for premium cards.

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