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As the name suggests, travel credit card is a type of credit card that is used by frequent travellers for availing exciting deals and offers while traveling. The best travel credit cards are specially designed for people who travel frequently. These cards are becoming extremely popular among travellers these days as they are packed with several perks such as hotel discounts, lounge access, earnings on air miles as well as travel insurance etc. All such exciting offers make your travel – domestic or international – all the more enjoyable and affordable.
People who spend a considerable amount of money on traveling every year are likely to gain maximum benefit by using the travel credit cards. The various benefits received from a travel card include discounts in hotels, air ticket, train or bus bookings and so on. In fact, many travel credit cards also allow travel insurance among other advantages.
So, if you travel frequently and buy travel insurance online every time you fly, it is better to buy credit cards with travel benefits. There are many travel credit cards that offer special combined benefits gained by tying up with various airlines or travel partners. These co-brands allow the travel credit card owner earn points which they can redeem later as per need.
There are many kinds of travel credit cards available in India, which makes journeys of all kinds quite affordable for people. Here’s a list of the most popular travel credit cards in India.
Further, there are some cards meant for the domestic traveller using the facility of trains and cars for travel purposes, such as fuel-surcharge waiver credit card, IRCTC cards etc. which help the consumer save enough each time they travel.
Below are some of the best travel credit cards that come with several benefits and are easily affordable.
The card comes with a welcome gift in the form of an e-voucher that the customer can redeem at any of the stores mentioned under the card. Besides, the card also offers two domestic and six international free airport lounges across 1000 global airports
The one-time joining fee of the card is INR 4,999.
The card offers the facility of four complimentary lounges per year at selected airports across India. Further, it allows 1% waiver on fuel surcharge across all Indian fuel stations.
You can join the card by paying a meagre INR 499, which you can reverse by spending INR 10,000 within 45 days of issuing the card.
The card allows 12 free airport lounges across India and six international airport lounges along with other benefits like complimentary food, reward points for flight and hotel bookings, conversion of air miles facility and so on.
You can join the card by paying INR 2500 + taxes.
It also offers free air accident insurance cover of INR 1 Crore and a cover on lost cards worth INR 10 lakh. Further, you get 20% dining benefits on selected restaurants, you can redeem the air miles anytime as they do not expire, instant reward points etc. You also get an instant loan option along with EMI benefits under this card.
The joining fee for this card is INR 3000 + taxes
Some other benefits of travel credit cards are:
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The best travel credit card you choose to buy in India would depend on the type of trip you are planning to take. For domestic trips, you can prefer the co-branded credit cards. These cards offer cashback points or reward points. In case you are planning to travel by your own car via road, you may look for credit cards that offer a waiver on fuel surcharge.
There are several specific travel cards meant especially for international travel. These cards allow low foreign exchange markup. If you are looking for the best travel card in India for traveling global trips, try to go for cards that allow zero or no foreign exchange charges.
Most travel credit cards in India offer the coverage of travel insurance that include coverage against air accidents, flight cancellations, flight delays, trip cancellation etc. However, it depends on the travel credit card insurance company and the kind of travel card issued.
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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