Top 10 Travel Cards in India (2026)

In today's globalized world, travel credit cards have become essential financial tools for frequent travelers. They not only provide convenience but also offer numerous rewards and benefits that can significantly enhance your travel experience. Whether you're planning a business trip or a leisurely vacation, choosing the right travel credit card can make a substantial difference in your budgeting and spending. In this article, we will delve into the best credit cards available in India designed specifically for travelers, ensuring you have all the information you need to make an informed decision.

Understanding the Importance of Travel Credit Cards

Travel credit cards are designed to cater to the needs of individuals who frequently travel, either domestically or internationally. They offer various perks such as travel rewards, cashback on travel expenses, complimentary airport lounge access, and travel insurance. According to a report by the Reserve Bank of India (RBI), the usage of credit cards in India has seen a steady increase, with travel credit cards gaining popularity among consumers seeking to maximize their travel experience. The rise in disposable income among middle-class families and millennials has also contributed to the demand for travel credit cards.

Benefits of Using Travel Credit Cards

Reward Points

Earn reward points on everyday and travel-related spending, which can be redeemed for flights, hotel bookings, holiday packages, or other travel services. These points help reduce overall travel costs and add extra value to your regular expenses.

Travel Insurance

Most travel credit cards come with complimentary travel insurance that covers situations like trip delays, cancellations, lost baggage, and medical emergencies. This provides financial security and peace of mind, especially during international travel.

Airport Lounge Access

Travel credit cards often offer free or discounted access to domestic and international airport lounges. This allows travelers to enjoy comfortable seating, refreshments, Wi-Fi, and a quieter environment before flights.

Foreign Transaction Fee Waivers

Some travel credit cards charge lower or zero foreign transaction fees on international spends. This makes overseas purchases more affordable and helps frequent travelers save money on currency conversion charges.

Top 10 Travel Credit Cards in India

1. American Express Platinum Travel Credit Card

The American Express Platinum Travel Credit Card is a premium offering that provides exclusive benefits for travelers. With a welcome bonus of 30,000 Membership Rewards points, cardholders can redeem these points for flights and hotel stays. Additional perks include complimentary access to over 1,000 airport lounges and travel insurance coverage of up to ₹1 crore. To maximize benefits, cardholders can use the Membership Rewards program to book flights with various airlines, gaining even more points on their travel expenditures.

2. HDFC Regalia Credit Card

The HDFC Regalia Credit Card stands out with its attractive reward points system. Cardholders earn 4 reward points for every ₹150 spent on international transactions, making it one of the best travel rewards credit cards in India. Moreover, it offers complimentary access to over 1,000 airport lounges across the globe, along with an annual fee waiver option based on spending, which can be beneficial for frequent travelers. Users can also avail of travel insurance of up to ₹1 crore, ensuring peace of mind during their journeys.

3. SBI Card Elite

The SBI Card Elite is another top contender, offering a host of travel-related benefits. With a generous reward points system, cardholders can earn up to 5 reward points for every ₹100 spent on travel bookings. Additionally, it provides complimentary lounge access and comprehensive travel insurance, which covers emergencies, trip cancellations, and more. The card also offers a 1% fuel surcharge waiver, making it a versatile choice for both domestic and international travelers.

4. ICICI Bank Sapphiro Credit Card

This card is tailored for frequent travelers, offering a wide array of travel benefits. With 2.5% cashback on international transactions, cardholders can enjoy significant savings. ICICI Bank also provides complimentary access to airport lounges and a host of insurance benefits, including travel insurance and coverage for lost baggage. The card also features a unique concierge service that assists with travel bookings and arrangements, adding an extra layer of convenience for cardholders.

5. Axis Bank Vistara Signature Credit Card

The Axis Bank Vistara Signature Credit Card is perfect for those who frequently fly with Vistara Airlines. It provides complimentary flight upgrades, priority boarding, and a generous reward points system where cardholders earn 3 points for every ₹200 spent. Cardholders also enjoy lounge access at select airports, and the ability to convert points into Vistara flight tickets, making it an attractive option for Vistara regulars. Additionally, users can benefit from a complimentary annual membership to the Vistara Club, enhancing their travel experience.

6. Citibank PremierMiles Credit Card

The Citibank PremierMiles Credit Card offers a robust rewards program, allowing cardholders to earn miles for travel bookings. These miles can be redeemed for flights with various airlines, providing flexibility and choice. The card also provides complimentary travel insurance and access to airport lounges. Notably, users earn 10 miles for every ₹100 spent on travel bookings, making it an ideal option for those who travel frequently for business or leisure.

7. HSBC Platinum Credit Card

The HSBC Platinum Credit Card is ideal for international travelers, offering a seamless foreign transaction experience with no foreign currency markup fee. Cardholders can earn 10% cashback on international transactions and enjoy premium travel benefits, including travel insurance covering medical emergencies and trip cancellations. The card also provides access to exclusive travel offers and discounts, further enhancing its value for travelers.

8. IndusInd Bank Platinum Aura Credit Card

This card offers a unique rewards program where cardholders earn 2 reward points for every ₹150 spent. It also provides travel insurance, lounge access, and exclusive deals on hotel bookings, making it a great choice for budget-conscious travelers. The card features a low annual fee and offers additional benefits such as cashback on dining and shopping, which can help users offset costs while enjoying their travels.

9. Bank of Baroda E-World Credit Card

The Bank of Baroda E-World Credit Card is designed for tech-savvy travelers. It offers cashback on online travel bookings and provides a host of travel-related benefits, including travel insurance and lounge access. With no annual fees for the first year, it’s a cost-effective option for new travelers. The card allows users to earn 5% cashback on online shopping for travel-related expenses, making it a practical choice for digital natives.

10. RBL Bank Platinum Credit Card

This card is known for its low annual fees and high reward points for travel-related expenses. Cardholders can earn 5 reward points for every ₹100 spent on travel bookings and enjoy complimentary access to airport lounges. The card also features a 1% fuel surcharge waiver, making it a versatile option for frequent travelers. With various redemption options, including flights, hotel stays, and merchandise, users can tailor their rewards to fit their needs.

Comparative Overview of Top Travel Credit Cards

How to Choose the Right Travel Credit Card

Selecting the right travel credit card becomes much easier when you focus on a few practical factors that match your lifestyle and spending patterns.

Travel Habits

Understand how often you travel and whether your trips are mostly domestic or international. Some cards are designed for frequent flyers, while others are better for occasional travelers or domestic trips. Choosing a card aligned with your travel pattern ensures you actually use and benefit from its features.

Reward Programs

Check the type of rewards the card offers, such as air miles, hotel points, or travel cashback. The best travel credit card is one whose rewards are easy to redeem and relevant to your preferred airlines, hotels, or booking platforms.

Fees and Charges

Review the annual fee, foreign transaction charges, and any hidden costs. A card with slightly higher fees may still be worth it if the benefits outweigh the costs. Always evaluate the overall value rather than focusing only on the joining fee.

Additional Perks

Look beyond rewards and consider added benefits like airport lounge access, travel insurance, priority services, and exclusive travel deals. These perks can significantly improve your travel comfort and reduce out-of-pocket expenses during trips.

Final Thoughts

In conclusion, the right travel credit card can significantly enhance your travel experience by providing valuable rewards and benefits. Whether you are a frequent flyer or an occasional traveler, these cards can help you save money and enjoy more perks during your journeys.

FAQs

What is the best travel credit card for international travel in India?

The American Express Platinum Travel Credit Card is often considered one of the best options due to its extensive rewards program, premium travel benefits, and no foreign transaction fees, making it ideal for international travelers.

Are there any fees associated with travel credit cards?

Yes, most travel credit cards have an annual fee and may charge foreign transaction fees. It's important to read the terms and conditions to understand all associated costs. Some cards offer fee waivers based on spending thresholds, so be sure to check if you qualify.

Can I earn reward points on everyday purchases?

Yes, many travel credit cards allow you to earn reward points on everyday purchases, not just travel-related expenses. This feature can help you accumulate points faster, especially if you use the card regularly for dining, groceries, and other everyday expenses.

How can I redeem my reward points?

Reward points can typically be redeemed for flights, hotel stays, or even cashback, depending on the card issuer's policies. Some cards also allow for point transfers to frequent flyer programs, providing even more flexibility and value.

Is there any limit on the reward points I can earn?

Some travel credit cards may have a cap on the reward points you can earn in a year, while others offer unlimited earning potential. Check with your card issuer for specific details to ensure you can maximize your rewards without hitting a limit.

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Author - Abhishek Sonawane

Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.