Are you a travel enthusiast with an insatiable wanderlust? Do you want to visit India’s stunning landscapes from the snow capped Himalayas to the clean beaches of Goa ? If yes, then it’s time to gear up with the perfect travel companion – a credit card that offers exclusive benefits, rewards, and perks for your travel needs in India. But with so many alternatives on the market how can you pick the best credit card for travel in India ? Fret not! We’ve got you covered. In this post we will unveil the finest credit cards for travelers in India, as well as offer you with a comprehensive guide to assist you in making an educated decision.
Best Credit Card for Travel in India: Unveiling the Top Picks
As a frequent traveler you require a credit card that not only allows you to make cashless purchases but also provides you with unrivaled bonuses rewards and perks that enhance your travel experience. Here are the top picks for the best credit card for travel in India:
1. HDFC Bank Regalia Credit Card
- Reward Points: Earn 4 Reward Points for every Rs. 150 spent, both domestically and internationally.
- Travel Benefits: Complimentary Priority Pass Membership, which gives you access to over 1,000 airport lounges worldwide. Additionally, enjoy a complimentary Zomato Pro membership and discounts on flight and hotel bookings.
- Welcome Bonus: Get 2,500 Reward Points as a welcome bonus on your first transaction within 90 days of card issuance.
- Insurance Coverage: Complimentary air accidental death coverage of up to Rs. 1 crore and emergency medical expenses coverage of up to Rs. 15 lakhs while traveling abroad.
2. American Express Platinum Travel Credit Card
- Reward Points: Earn 1 Membership Reward Point for every Rs. 50 spent on regular expenses and 2 Membership Reward Points for every Rs. 50 spent on travel-related expenses.
- Travel Benefits: Enjoy a complimentary domestic air ticket voucher worth Rs. 4,000 on spending Rs. 1.90 lakhs in a year. Also, get Taj Vouchers worth Rs. 10,000 as a welcome gift.
- Fuel Benefits: Enjoy 0% fuel surcharge at HPCL petrol pumps.
- Insurance Coverage: Complimentary air accidental death coverage of up to Rs. 2.5 crores and emergency medical expenses coverage of up to Rs. 15 lakhs while traveling abroad.
3. Axis Bank Mileage Plus Global Credit Card
- Reward Points: Earn 4 Miles and More award miles for every Rs. 200 spent on regular expenses and 8 Miles and More award miles for every Rs. 200 spent on airline ticket purchases.
- Travel Benefits: Enjoy a welcome bonus of 15,000 Miles and More award miles and a complimentary priority pass membership.
- Travel Miles: Get 3,000 additional Miles and More award miles on renewal of the card.
- Insurance Coverage: Complimentary air accidental death coverage of up to Rs. 1 crore and emergency medical expenses coverage of up to Rs. 10 lakhs while traveling abroad.
4. SBI Card Elite
- Reward Points: Earn 2 Reward Points for every Rs you spend. 100 spent on normal costs, with 5 reward points awarded for each rupee. 100 dollars spent on eating, department stores, and overseas purchases. Travel Benefits: Enjoy a complimentary Club Vistara Silver Membership, 2 free domestic airport lounge visits per quarter, and discounts on flight bookings and hotel stays.
- Welcome Bonus: Get e-gift vouchers worth Rs. 5,000 from popular brands as a welcome gift.
- Insurance Coverage: Complimentary air accidental death coverage of up to Rs. 50 lakhs and emergency medical expenses coverage of up to Rs. 50 lakhs while traveling abroad.
5. ICICI Bank Coral Credit Card
- Reward Points: Earn 2 PAYBACK Points for every Rs spent. 100 spent on regular expenses and 4 PAYBACK Points for every Rs. 100 spent on dining, groceries, and international spends.
- Travel Benefits: Enjoy complimentary access to domestic airport lounges, discounts on movie tickets, dining, and fuel surcharge waiver.
- Fuel Benefits: Enjoy a fuel surcharge waiver of 1% on fuel transactions.
- Insurance Coverage: Complimentary air accidental death coverage of up to Rs. 50 lakhs and emergency medical expenses coverage of up to Rs. 50 lakhs while traveling abroad.
FAQs about the Best Credit Card for Travel in India
Q : What factors should I consider while selecting the best credit card for Indian travel ?
A: When choosing a credit card for travel in India, consider the rewards and benefits offered, such as reward points, travel miles, lounge access, discounts on flights and hotels, and insurance coverage. Also, check for any annual fees and foreign transaction fees.
Q : Are there any special requirements for applying for these credit cards ?
A : Each credit card has its own set of qualifying conditions such as a minimum age, income requirements, credit score and employment status. It’s best to check the specific requirements of each credit card before applying.
Q: How can I maximize the rewards and benefits of a travel credit card in India?
A: To maximize the rewards and benefits of a travel credit card in India, use it for all your travel-related expenses, such as flight bookings, hotel stays, dining, and international spends. To prevent interest costs, pay your credit card payments on time and in full. Keep an eye on the promotions and offers provided by the credit card issuer to make the most of the rewards and benefits.
Q: Are there any limitations or restrictions on using a travel credit card in India?
A: While travel credit cards in India offer various benefits, rewards, and perks, there may be certain limitations or restrictions, such as blackout dates for redeeming rewards, minimum spends to earn rewards, restrictions on lounge access, and specific terms and conditions for insurance coverage. Reading and understanding the credit cards terms and conditions before using it is crucial.
Conclusion
With the rising popularity of travel among Indians, having the best credit card for travel in India can be a game-changer. The appropriate credit card may give you with specific bonuses, incentives and perks that can enhance your travel experience in addition to the ease of cashless purchases. From earning reward points and travel miles to enjoying complimentary lounge access, discounts on flights and hotels, and insurance coverage, the top credit cards mentioned in this article offer a range of features that cater to the needs of travel enthusiasts. However before making a selection based on your unique requirements and financial position it’s critical to carefully research the features, fees and terms and conditions of each credit card. So, gear up, choose your perfect.
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