Top 5 Travel Credit Cards in India for 2026
23 Jan 2026 7 mins Credit Cards
Are you planning your next big adventure but worried about the costs associated with travel? Travel credit cards can significantly enhance your travel experience by offering rewards, discounts, and other valuable perks. In this article, we will take a close look at the best credit cards available in India that cater specifically to travel enthusiasts. By the end of this article, you'll have a clear understanding of which travel credit card suits your needs best.
Why Choose a Travel Credit Card?
Travel credit cards can provide numerous benefits that regular credit cards cannot. Here are some reasons why you should consider a travel credit card:
Rewards Points: Earn points for every transaction that can be redeemed for flights, hotel stays, and more. For instance, if you spend ₹1,00,000 in a year, you could potentially earn enough points for a round-trip domestic flight.
Travel Insurance: Many travel credit cards offer complimentary insurance coverage for travel-related mishaps. This can include trip cancellation, lost baggage, and emergency medical expenses, providing peace of mind during your travels.
Airport Lounge Access: Enjoy comfortable waiting areas before your flight, often at no additional cost. Cards like the American Express Platinum offer access to over 1,000 lounges worldwide, significantly enhancing your travel experience.
Foreign Transaction Fee Waivers: Save money on international transactions that would typically incur charges. This can add up to significant savings, especially if you travel abroad frequently.
Key Features of Travel Credit Cards
When selecting a travel credit card, consider these critical features:
Rewards Program: Look for cards that offer substantial rewards on travel-related expenses. For instance, some cards provide 5x points for travel bookings, allowing you to accumulate points rapidly.
Annual Fee: Evaluate whether the benefits outweigh the costs of maintaining the card. A higher annual fee may be justified if the rewards and benefits significantly exceed the costs.
Sign-Up Bonuses: Many cards offer bonuses for new applicants, providing an immediate benefit. For example, a card may offer 15,000 bonus points after your first purchase, which can be enough for a free flight.
Flexibility: Choose a card that allows you to redeem rewards easily and offers various redemption options, such as booking flights, hotels, or even merchandise.
Top Travel Credit Cards in India
1. American Express Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is a premium offering designed for frequent travelers. Here are its standout features:
Welcome Bonus: 20,000 Membership Rewards points upon spending ₹1.5 lakh in the first three months. This can be redeemed for flights or hotel stays.
Travel Benefits: Complimentary access to over 1,000 airport lounges worldwide, enhancing comfort during layovers.
Travel Insurance: Coverage for trip cancellations, lost baggage, and medical emergencies, which can save you from unexpected expenses.
Rewards Structure: 1 point per ₹50 spent, and 2 points for travel-related expenses, making it ideal for travelers who frequently spend on flights and hotels.
This card is ideal for those who travel frequently and can maximize the rewards benefits. Additionally, the card offers exclusive access to events and experiences, adding extra value for premium users.
2. HDFC Bank Regalia Credit Card
The HDFC Bank Regalia Credit Card is well-suited for those looking for a balance of benefits and costs:
Rewards Points: Earn 4 reward points for every ₹150 spent on international transactions, making it a great option for frequent international travelers.
Dining Discounts: Access to exclusive offers at premium restaurants across India, enhancing your dining experience while traveling.
Insurance Coverage: Comprehensive travel insurance for trips taken on the card, providing additional security for your travels.
With a relatively low annual fee, this card offers excellent value for money. Users can also enjoy complimentary subscription services like airport lounge access and discounts on hotel bookings, making it a versatile option.
3. Axis Bank Vistara Signature Credit Card
The Axis Bank Vistara Signature Credit Card is a great option for travelers who prefer flying with Vistara:
Welcome Bonus: Up to 10,000 Vistara Points as a sign-up bonus, which can be used for free flights or upgrades.
Complimentary Flights: One complimentary flight ticket each year, providing significant savings for frequent travelers.
Rewards Structure: 3 points per ₹200 spent on Vistara flights and 1 point per ₹200 elsewhere, making it beneficial for those who prioritize this airline.
If Vistara is your airline of choice, this card can significantly enhance your travel experience by offering exclusive benefits tailored to Vistara travelers.
4. SBI Card ELITE
The SBI Card ELITE is another excellent travel card, especially for those who want a blend of luxury and rewards:
Welcome Benefits: 2,000 reward points upon the first transaction, which is a great start for new users.
Annual Fee Waiver: Waived if you spend ₹7.5 lakh in a year, encouraging users to maximize their spending.
Travel Insurance: Coverage for medical emergencies and trip cancellations, ensuring you are covered in case of unexpected events.
This card is ideal for those who want to enjoy luxury while traveling without breaking the bank. It also offers additional perks like discounts on luxury hotel stays and spa services, enhancing your overall travel experience.
5. ICICI Bank Sapphiro Credit Card
The ICICI Bank Sapphiro Credit Card is a versatile card with benefits for both travelers and shoppers:
Reward Points: Earn 2 reward points for every ₹100 spent, which can be redeemed for various travel-related expenses.
Airport Lounge Access: Complimentary access to airport lounges across India, ensuring comfort before your flights.
Travel Insurance: Comprehensive coverage for travel-related incidents, providing peace of mind during your journeys.
This card is perfect for those who want a multi-purpose credit card that offers travel benefits along with shopping rewards, allowing for a balanced approach to spending.
Comparison Table of Top Travel Credit Cards
Credit Card | Annual Fee | Welcome Bonus | Rewards Points | Travel Insurance |
|---|---|---|---|---|
American Express Platinum | ₹5,000 | 20,000 Points | 1 point/₹50 | Yes |
HDFC Regalia | ₹2,500 | N/A | 4 points/₹150 | Yes |
Axis Vistara Signature | ₹3,000 | 10,000 Points | 3 points/₹200 | Yes |
SBI Card ELITE | ₹4,999 | 2,000 Points | 2 points/₹100 | Yes |
ICICI Sapphiro | ₹3,500 | N/A | 2 points/₹100 | Yes |
Frequently Asked Questions
What is the best travel credit card in India?
The best travel credit card varies by individual needs, but cards like the American Express Platinum Travel Card are highly regarded for their extensive benefits.
How do travel credit cards work?
Travel credit cards allow you to earn points for every transaction, which can be redeemed for travel-related expenses like flights and hotels. For example, many cards offer a higher point accumulation rate for travel bookings, enabling users to maximize their rewards.
Are travel rewards worth it?
Yes, travel rewards can provide significant savings and perks, especially for frequent travelers. The ability to earn points that can be redeemed for free flights, hotel stays, or upgrades can enhance your travel experience while saving money.
Can I use travel credit cards internationally?
Most travel credit cards can be used internationally, but be sure to check for foreign transaction fees. Some cards waive these fees, allowing for seamless spending while traveling abroad.
How to choose the right travel credit card?
Consider factors like rewards structure, annual fees, travel benefits, and your spending habits to find the right card for you. Additionally, think about your preferred airlines and hotel chains, as some cards offer enhanced rewards within specific networks.
Key Takeaways
Travel credit cards can enhance your travel experience through rewards and insurance.
Each card has unique features; choose one that aligns with your travel habits.
Always review the annual fees and benefits to ensure value for money.
Utilizing sign-up bonuses and understanding the rewards structure can maximize your benefits.
Consider your travel frequency and preferred airlines to select a card that offers the best rewards for your needs.
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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.