Travel credit cards are designed to help frequent travellers save money on flight, train, and bus tickets and hotel bookings. You might have come across many credit cards which has multiple offers, but if you are a Hodophile (person who loves to travel), then you need a credit card that caters to your traveling needs. These credit cards offer other benefits, including airport lounge access, free flight tickets, air miles, and co-branded benefits.
|Credit Card||Joining Fees||Lifetime Free||Annual Fee Waiver Amount||Welcome Benefits||Cashback Features||Rewards||Other Features||Link for more information on website|
|IRCTC Bank of Baroda RuPay Credit Card||Rs 500||No||No||1,000 bonus reward points on a transaction of Rs 1,000 within 45 days||NA||1% on transaction charges by booking train tickets on IRCTC.
40 reward points for every Rs 100 spent on IRCTC
4 reward points for every Rs 100 spent on grocery
|4 complimentary railway lounge access
1% fuel surcharge waiver
|Yatra SBI Card||Rs 499||No||Yes, provided annual spend exceeding Rs 1 lakh||Yatra.com vouchers worth Rs 8,250||Rs 1,000 off on domestic flight bookings and Rs 4,000 off on international flights
Flat 20% off on domestic hotel booking
|6 reward points on every Rs 100 spent on departmental stores, groceries, dining, movies, entertainment, and international spends.||Get 6 vouchers in a calendar year
1% fuel surcharge waiver
Complimentary air accident cover of Rs 50 lakhs
|IRCTC HDFC Bank RuPay Credit Card||Rs 500||No||Yes, provided annual spend exceed Rs 1.5 lakhs||NA||5% cashback on bookings done via HDFC Bank Smart Buy||5 reward points for every Rs 100 spent on IRCTC
1 reward point for every Rs 100 spent on other categories
1% transaction cherges waiver on bookings done on IRCTC
|8 complimentary railway lounge access per year||https://www.hdfcbank.com/personal/pay/cards/credit-cards/irctc-credit-card|
|IRCTC SBI RuPay Credit Card||Rs 500||No||No||Rs 350 bonus reward points for spending Rs 500 within 45 days||NA||1 reward point for every Rs 125 spent on non-fuel purchases
Save 1% on transaction charges on railway ticket bookings on IRCTC
|1% fuel surcharge waiver
4 complimentary railway lounge access in a year
Want to get a Credit Card which offers 5% cashback on UPI spends?
Best RuPay Credit Cards in India for Travel (in detail)
Yatra SBI Card is a travel card and has the following benefits.
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IRCTC HDFC Bank RuPay Credit Card has the following benefits.
IRCTS SBI RuPay Credit Card has the following benefits.
Travel credit cards work like a normal credit card, but, you get travel rewards or points for your spends. These rewards are usually called ‘points’ or ‘miles’. Usually these points are useful either for booking stays at hotels/ accommodations or for booking tickets from airlines, trains or buses. Other common benefits include lounge access at airports and railway stations, trip cancellation insurance, baggage delay or lost baggage insurance, discounts in rental car bookings, etc.
Yes, some of the credit cards like Yatra SBI Card offers air accident insurance up to Rs. 50 lakhs with certain terms and conditions in place. Some selective credit cards offer insurance for trip cancellations, lost or delayed baggage, medical emergencies, accidental disability, and issues related to rental car insurance. You need to check with your credit card provider for these details as it is not clearly mentioned upfront.