Best 7 Credit Cards for Travel Benefits in India
26 Aug 2024 9 mins Credit Cards
Traveling is an experience that enriches our lives, and having the right credit card can make that experience even more rewarding. Whether you're a frequent flyer or just someone who loves to explore new places occasionally, having a travel-focused credit card in your wallet can offer you significant perks. From air miles to airport lounge access, these cards can save you money and enhance your travel experiences.
Why Should You Consider a Travel Credit Card?
Travel credit cards are designed to enhance your travel experience by providing benefits like air miles, hotel discounts, and complimentary lounge access. These cards are particularly useful for frequent travelers who want to maximize their rewards and minimize travel expenses.
In this blog, we’ll explore the 7 best travel credit cards in India that offer fantastic rewards for travel, whether domestic or international.
Scapia Credit Card
The Scapia Credit Card is relatively new in the Indian market but has quickly gained popularity for its travel-focused benefits. It gives unlimited domestic lounge access in India and that’s why it has become the most popular travel card.
Travel Benefits
- ZERO Forex Markup - Swipe your card freely without ever thinking of Rupee-Dollar conversion. No extra charges for the conversion.
- Air Miles: Earn air miles on every transaction which can be redeemed for flights and hotel stays.
- Lounge Access: Unlimited Complimentary access to select airport lounges domestically.
- No Cost EMI : 3 Month No COST EMI on your travel expenses.
Reward Points System
- Earn Rate: 20% coins on all travel bookings and 10% coins on any kind of spend.
- Redemption: Air miles can be redeemed on Scapia’s travel portal for bookings. 5 coins can be redeemed for 1 Rs.
Fees and Charges
- Annual Fee: No Annual or Joining fee.
- Interest Rate: 3.75% per month
HDFC Regalia Gold Credit Card
The HDFC Regalia Gold Credit Card is one of the most popular premium travel credit cards in India. It is designed for frequent travelers who want to make the most of their journeys by earning reward points and enjoying luxury travel benefits.
Travel Benefits
- Airport Lounge Access: 12 complimentary lounge access to domestic and international lounges.
- Travel Insurance: Comes with comprehensive travel insurance that covers lost baggage, flight delays, and medical emergencies.
Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: up to Rs. 15 lakhs
Credit Liability cover: Up to Rs. 9 Lakhs
- Concierge Services: 24/7 concierge services to assist with travel bookings, dining reservations, and more.
Reward Points System
- Earn Rate: Earn 4 reward points for every ₹150 spent.
- Redemption: Points can be redeemed for travel bookings, shopping vouchers, and air miles.
Fees and Charges
- Annual Fee: ₹2,500 (waived on spending ₹4 lakh in a year)
- Interest Rate: 3.49% per month
Axis Atlas Credit Card
The Axis Atlas Credit Card is another excellent choice for travelers, offering a robust rewards program tailored for those who frequently fly.
Travel Benefits
- Air Miles: Earn EDGE miles that can be redeemed across multiple airlines. Earn it on every spend on the card.
- Hotel Discounts: Get exclusive discounts on hotel bookings worldwide.
- Lounge Access: Complimentary access to domestic and international airport lounges.
Reward Points System
- Earn Rate: Earn 5 EDGE miles for every ₹100 spent on travel.
- Redemption: Air miles can be redeemed for flight bookings, hotel stays, and travel experiences.
Fees and Charges
- Annual Fee: ₹5,000 (waived on spending ₹7.5 lakh in a year)
- Interest Rate: 3.25% per month
HDFC Diners Club Credit Card
The HDFC Diners Club Credit Card is ideal for those who seek exclusive travel privileges and higher reward points on international spending.
Travel Benefits
- Airport Lounge Access: 6 Complimentary lounge access at over 1,000 airports worldwide.
- Global Concierge Service: 24/7 concierge services for travel, dining, and entertainment bookings.
- Travel Insurance: Includes comprehensive travel insurance coverage.
Reward Points System
- Earn Rate: Earn 5 reward points for every ₹150 spent internationally.
- Redemption: Points can be redeemed for air tickets, hotel stays, and other travel-related expenses.
Fees and Charges
- Annual Fee: ₹10,000 (waived on spending ₹5 lakh in a year)
- Interest Rate: 3.49% per month
American Express Travel Platinum Credit Card
American Express is renowned for its premium services, and the Travel Platinum Credit Card is no exception, offering unmatched travel benefits.
Travel Benefits
- Airport Lounge Access: Unlimited access to The Centurion Lounge and other premium lounges globally.
- Travel Credits: Annual travel credits that can be used for flight and hotel bookings.
- Global Assistance: 24/7 global assistance for emergencies and travel issues.
Reward Points System
- Earn Rate: Earn 1 Membership Rewards points for every ₹50 spent on travel.
- Redemption: Membership Rewards can be redeemed for flights, hotels, and other luxury travel experiences.
Fees and Charges
- Annual Fee: ₹3,500 (first-year fee waiver)
- Interest Rate: 3.5% per month
HDFC Marriott Bonvoy Card
The HDFC Marriott Bonvoy Credit Card is a must-have for loyal Marriott customers and frequent travelers. It offers:
1. Travel Benefits
- Lounge Access: Enjoy 12 complimentary domestic and international lounge visits per year, making your travel experience more comfortable and luxurious.
- Complimentary Marriott Bonvoy Silver Elite Status: As a cardholder, you receive automatic Silver Elite status, which comes with benefits like priority late checkout and a 10% bonus on points earned during stays.
- Golf Benefits: The card offers 2 complimentary golf course access and 2 golf lessons per quarter at top golf courses worldwide.
- Insurance Coverage: Includes air accident cover of Rs. 10 Lakhs, emergency medical expenses coverage up to Rs. 15 Lakhs, and protection for loss or delay of baggage, travel documents, or passport.
2. Reward Points System
- 8 Marriott Bonvoy Points per Rs. 150: Earn points on eligible spends at participating Marriott hotels.
- 4 Marriott Bonvoy Points per Rs. 150: On spends related to travel, dining, and entertainment.
- 2 Marriott Bonvoy Points per Rs. 150: On all other eligible spends.
- Milestone Benefits: Earn up to 3 additional Free Night Awards when you reach spending thresholds of Rs. 6 Lakhs, Rs. 9 Lakhs, and Rs. 15 Lakhs within a card anniversary year. These awards are redeemable at participating Marriott hotels worldwide.
3. Fees and Charges
- Joining Fee: Rs. 3,000 + applicable taxes.
- Annual Fee: Rs. 3,000 + applicable taxes.
- Forex Markup Fee: 3.5% on international transactions.
- Finance Charges: 3.75% per month (45% annually) if the full amount isn’t paid by the due date.
- Late Payment Charges: Ranges from Rs. 100 to Rs. 1,300 depending on the outstanding balance.
This card is ideal for those who frequently stay at Marriott hotels and want to maximize their rewards and status within the Marriott Bonvoy program. It’s a great card for travelers who prioritize luxury hotel stays and want to enjoy the benefits of elite status.
HDFC Infinia Credit Card
The HDFC Infinia Credit Card is one of the most premium cards offered by HDFC, catering to high-net-worth individuals who travel frequently.
Travel Benefits
- Unlimited Lounge Access: Enjoy unlimited lounge access across the world.
- Luxury Travel Offers: Exclusive deals on luxury hotels, airlines, and cruises.
- Travel Concierge: Personalized travel concierge to plan and manage your trips.
Reward Points System
- Earn Rate: Earn 5 reward points for every ₹150 spent.
- Redemption: Points can be redeemed for flights, hotels, and other luxury travel experiences.
Fees and Charges
- Annual Fee: ₹12,500 (waived on spending ₹10 lakh in a year)
- Interest Rate: 3.5% per month
Comparison of the 7 Travel Credit Cards
Benefits Comparison
When comparing these cards, the HDFC Infinia and HDFC Diners Club stand out for those seeking luxury and high rewards, while the Scapia and Axis Travel Edge are more accessible for budget-conscious travelers.
Fees Comparison
While the HDFC Infinia is the most expensive with an annual fee of ₹12,500, cards like Scapia and Axis Travel Edge offer more affordable annual fees, making them great options for travelers who want benefits without a hefty price tag.
Best Card for Different Types of Travelers
- For Luxury Travelers: HDFC Infinia, American Express Travel Platinum
- For Budget Travelers: Scapia, Axis Travel Edge
- For Frequent Flyers: Axis Atlas, HDFC Diners Club
How to Maximize Travel Benefits Using These Credit Cards
Tips on Earning More Rewards
- Use your card for all travel-related expenses to maximize reward points.
- Leverage partnerships between credit card issuers and airlines or hotels for additional benefits.
- Plan your purchases around special promotions that offer extra reward points.
Best Practices for Using Travel Credit Cards
- Always pay your credit card bill in full to avoid high-interest charges that negate the benefits.
- Use airport lounge access and travel insurance benefits regularly to get the most out of your card.
- Monitor your reward points and make sure to redeem them before they expire.
Understanding Reward Redemption Options
Each card has its own reward redemption portal. Familiarize yourself with these platforms to ensure you're getting the best value for your points or miles.
Conclusion
Choosing the right travel credit card can make a significant difference in your travel experience. Whether you prioritize lounge access, air miles, or luxury travel perks, there’s a card in this list that fits your needs. Evaluate your travel habits and select the card that aligns best with your lifestyle.
FAQs
Which credit card offers the best travel benefits in India?
The HDFC Infinia and American Express Travel Platinum offer the best travel benefits, especially for luxury travelers.
Can I use these travel credit cards internationally?
Yes, all the cards listed can be used internationally, and many offer additional benefits for overseas transactions.
How can I earn the most reward points?
Focus on using your travel credit card for all travel-related expenses and take advantage of any bonus point promotions.
Are these travel credit cards worth the annual fee?
If you travel frequently, the benefits can easily outweigh the annual fee, especially with perks like lounge access and air miles.
What should I consider before applying for a travel credit card?
Consider your travel frequency, the annual fee, and the specific benefits that align with your travel needs.