Top 10 Travel Credit Cards In India 2021

Nowadays to cater to the growing demand of the people, credit card companies have introduced various types of credit cards. So people can now choose a credit card for their specific needs, one of the types of credit cards is a travel credit card, these credit cards are specially designed to give frequent fliers big benefits and a comfortable journey. With a travel credit card, you can earn air miles from your purchases, air miles is like a reward point that you can redeem against your flight booking. Also with a travel card, you can earn big benefits on ticket booking, airport lounge access, travel insurance, that covers you and your language during a trip, and some credit cards also offer free flight tickets, as a welcome gift.

However, there are several travel cards available out there, of them we have picked up the top 10 travel credit cards in India 2021 that will be beneficial for you. You can compare among the cards and choose the card that suits your lifestyle.

• Table of Contents

  American Express Platinum Travel Credit Card

• Fee:
  • Joining Fee: ₹3,500 + GST
  • Annual Fee: ₹5,000 + GST
• Card Type:
  • It is powered by American Express.
• Benefits:
  • You can get a travel voucher of up to ₹9440 annually, T&C applies.
  • Your travel will be more comfortable as you will get access to most of the premium airport lounges, T&C applies.
  • You can enjoy dining at most of the premium hotels, with big discounts. offer valid at some of the selected restaurants.

American Express Platinum Travel Credit Card, is one of the premium travel cards available in India, it comes with a lot of other benefits and offers. You can use this card as your primary credit card,

• Axis Bank Vistara Signature Credit Card

• Fee:
  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹3,000 + GST
• Card Type:
  • It is a Visa-powered Signature credit card.
• Benefits:
  • With the issuance of the card, you will get an Economy class flight ticket as a welcome gift, T&C apply.
  • With this card you can Club Vistara Points with every transaction, T&C applies.
  • Also, you can get free access to domestic airport lounges.

Axis Bank Signature Credit Card is specially designed for those who travel a lot, so if you are planning to use it as your secondary travel card, then this card will be perfect for you.

• Standard Chartered Emirates World Credit Card

• Fee:
  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹3,000 + GST
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • With this card, you will get 4000 reward miles as a welcome gift. T&C apply.
  • You can win skyward miles on your every transaction. T&C apply.
  • You will get access to most of the domestic and international lounges. T&C apply.

This is one of the best travel cards available in the Indian market. You can use it as a primary credit card

• Yes FIRST Preferred Credit Card

• Fee:
  • Joining Fee: ₹2499 + GST
  • Annual Fee: ₹2499 + GST
• Card Type:
  • It is powered by MasterCard.
• Benefits:
  • You can win reward points on every purchase, you make with this card.
  • You will get access to domestic and international lounges, with this card, T&C applies.
  • You will also get access to some of the leading golf courses in India plus you will also get free golf lessons, T&C apply.

This card comes with a number of travel and lifestyle benefits you can use this card as your primary credit card.

• HDFC Bank Regalia Credit Card

• Fee:
  • Joining Fee: ₹2,500 + GST
  • Annual Fee: ₹2500 + GST (can be waived off)
• Card Type: 
  • This powered by both Visa and MasterCard.
• Benefit:
  • With this card, you can earn reward points from your every purchase. T&C apply. 
  • You can get access to most of the domestic and international lounges, T&C applies.
  • You will also enjoy a 2% discount on fuel surcharges with this card. T&C apply.

HDFC Bank Regalia Credit card is one of the most popular credit cards available in the Indian Market, if you are a frequent traveler then you can go for this card.

•  ICICI Bank MakeMyTrip Platinum Credit Card

• Fee:
  • Joining Fee: ₹500 + GST
  • Annual Fee: None
• Card Type:
  • It is powered by Visa Platinum.
• Benefits:
  • With this card you can earn up to ₹2000 Cash-Back on flight bookings, T&C applies.
  • You can get access to most of the domestic and international airport lounges.
  • Earn a big discount on the hotels booked through MakeMyTrip, T&C applies.

This is a basic credit card, you can use it as your secondary credit card, and also you can earn big travel for it. 

• IndusInd Bank Platinum Aura Credit Card

• Fee:
  • Joining Fee: ₹5999 + GST
  • Annual Fee: None
• Card Type:
  • It is a MasterCard platinum credit card.
• Benefits:
  • With the issuance of the card, you will get exclusive gift vouchers from Premium hotels and Jet airways.
  • You will get exclusive travel benefits including Lounge access, Travel Insurance Cover, etc. with this card, T&C applies.
  • You will also get a 1% discount on fuel surcharges, T&C applies.

IndusInd Bank Platinum Aura credit card is best suited for travel and daily uses, it can make your travel a lot more comfortable.

• ICICI Bank InterMiles Credit Card

• Fee:
  • Joining Fee: ₹1,250 + GST
  • Annual Fee: ₹1,250 + GST
• Card Type:
  • It is a Visa-powered Credit card.
• Benefits:
  • You will get 2,500 inter miles as a welcome gift, T&C applies.
  • With this card, you will get free access to some selected airport lounges in India.
  • You can enjoy a big discount on most of the premium restaurants in India.

This card is best suited for frequent fliers, as a major portion of its benefits is focused on airlines. You can use this card as your secondary card. 

• Air India SBI Platinum Card

• Fee:
  • Joining Fee: ₹1499 + GST
  • Annual Fee: ₹1499 + GST
• Card Type:
  • It is a Visa Powered platinum credit card.
• Benefits:
  • You will get 5000 reward points as a welcome gift, T&C applies.
  • You will get access to some selected airports in India.
  • You will get a 1% waiver on fuel surcharges, T&C applies.

This credit card is best suited for travel-related uses, you can save a lot on your travel-related expenses, from its offers.  

• Yes FIRST Preferred Credit Card

• Fee:
  • Joining Fee: ₹2499 + GST
  • Annual Fee: ₹2499 + GST
• Card Type:
  • It is a MasterCard credit card.
• Benefits:
  • You can win reward points on every purchase, you make with this card.
  • You will get access to domestic and international lounges, with this card, T&C applies.
  • You will also get access to some of the leading golf courses in India plus you will also get free golf lessons, T&C apply.

This card comes with a number of travel and lifestyle benefits you can use this card as your primary credit card.

Before choosing your travel credit card, make sure what kind of benefits you want to earn from your credit cards, credit cards offer benefits like air miles, Lounge access, Travel insurance, Discount on ticket bookings, etc. You have to select those cards that offer your desired benefits, it will help you to narrow down your choices.  After comparing those selected cards according to their charges and other benefits, pick out the card that matches your lifestyle and spending pattern.

What to do and what not to do with a travel credit card:

What to do:

1. Make your travel program according to the benefits of your card, it will help you to save more.
2. Try put the spend more on your card, that will help you to earn more travel points.
3. Subscribe lounge access program as soon as possible.
4. Choose a card that will help you to earn the most benefit from your travel spends.
5. Redeem the earned travel points or the air miles during travel.
6. Remember the expiry dates of your reward points, to prevent them from losing.

What not to do:

1. Never use your credit card to withdraw cash from a foreign ATM, it is too much expensive.
2. Always pay your bills completely in time. Due or unpaid bills can cost you more than you earn from your card.
3. Try not to use your travel card for high-value purchases. 

With so many cards available outside, it has become so much tricky to choose a beneficial credit card, therefore, before choosing a credit card one should be very careful because there are several credit cards in the market and a credit card cannot be beneficial for all. Even after choosing a proper credit card, one should use it properly to get the best out of it, and a properly used credit card can earn you unmatched benefits.