Credit Cards come with diffrent features and benifits. A travel credit card lets you earn rewards on your everyday spending that can be used for travel costs like flights, hotels, and rental cars. These rewards often come in the form of points or miles. With so many travel credit cards available, it can be tough to choose the right one. This guide will help you find the best travel credit card in India. Let’s get started.
10 Best Travel Credit Cards in India 2025
| Credit Card | Joining Fees | Annual Fee | Welcome Benefits |
| Jupiter Edge UPI Credit Card | Nill | Nill | Worth ₹250 on your UPI & card spends |
| IDFC Wow Credit Card | None | None | None |
| Niyo Global International Travel Card | None | None | None |
| Air India SBI Signature Card | ₹4999 + 18% GST | ₹4999 + 18% GST | Welcome gift of 20,000 reward points. |
| Axis Bank Vistara Signature Credit Card | ₹3000 + 18% GST | ₹3000 + 18% GST | Complimentary premium economy class ticket. |
| Club Vistara SBI Card | ₹1499 + 18% GST | ₹1499 + 18% GST | Receive an economy class ticket. |
| AU Bank LIT Credit Card | Free | Free | Benefits vary by card selection. |
| RBL World Safari Credit Card | ₹3000 | ₹3000 | MakeMyTrip voucher worth ₹3000 upon the first swipe within 30 days of card issuance. |
| YES Bank Premia Credit Card | ₹999 | ₹999 | Waiver of the first-year fee on spending ₹20,000 within the first 30 days. |
| InterMiles HDFC Signature Credit Card | ₹2500 | ₹2500 | Complimentary InterMiles Silver Membership with 8,000 InterMiles. |
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Features and Benefits of Best Travel Credit Cards in India
1. IDFC Wow Credit Card
Joining Fees
None
Annual Fee
None
Welcome Benefits
None
Cashback Features & Rewards IDFC Bank has launched the Wow Credit Card specifically designed for students and frequent travellers. This card offers zero forex mark-up charges for currency conversion, making it ideal for those studying or traveling abroad. Cardholders also earn reward points on their spending. To apply for the Wow Credit Card, you need to open a linked fixed deposit account. This account not only secures a credit limit but also allows for various financial transactions. The Wow Credit Card caters to the needs of students and globetrotters with its favourable forex rates, rewards, and additional benefits.
2. Niyo Global International Travel Card
Joining Fees
None
Annual Fee
None
Welcome Benefits
None
Cashback Features & Rewards While it isn’t a proper credit card, the Niyo Global International Travel Card stands out as a practical choice due to its helpful features. One standout benefit that you get with the card is the lack of forex markup fees, saving you money on foreign transactions. Plus, the card is easy to set up and use right away, making it convenient to manage your finances while traveling, including adding money, exchanging currencies, and making online payments. While it’s a good idea to keep some money on the card, you don’t have to maintain a specific minimum balance, giving you more flexibility.
3. Air India SBI Signature Card
Joining Fees
₹4999 + 18% GST
Annual Fee
₹4999 + 18% GST
Welcome Benefits
Welcome gift of 20,000 reward points.
Cashback Features & Rewards Looking for a credit card that rewards frequent Air India flyers, but also offers points for everyday purchases? The Air India SBI Signature Card, co-created by SBI and Air India, might be a good fit. Let’s explore the benefits:
4. Axis Bank Vistara Signature Credit Card
Joining Fees
₹3000 + 18% GST
Annual Fee
₹3000 + 18% GST
Welcome Benefits
Complimentary premium economy class ticket.
Cashback Features & Rewards Axis Bank and Air Vistara have teamed up to offer the Axis Bank Vistara Signature Credit Card. Unlike other cards, this one lets you earn Club Vistara Points on all your spending, not just flights.
5. Club Vistara SBI Card
Joining Fees
₹1499 + 18% GST
Annual Fee
₹1499 + 18% GST
Welcome Benefits
Receive an economy class ticket.
Cashback Features & Rewards SBI teamed up with Air Vistara to create the Club Vistara SBI Card. This card lets you earn Club Vistara Points on every purchase. If you’re looking for a more affordable alternative to the Axis Bank Vistara Signature Credit Card, this could be a good option.
6. AU Bank LIT Credit Card
Joining Fees
Free
Annual Fee
Free
Welcome Benefits
Benefits vary by card selection.
Cashback Features & Rewards While not strictly a travel credit card, the AU Lit Credit Card offers a unique approach that can make it an excellent choice for frequent travellers. This card is designed to be fully customisable, allowing you to select the features that matter most to you. Whether it’s accumulating cashback on your favourite spending categories or enjoying the luxury of airport lounge access, you can build a card tailored to your travel needs.
7. RBL World Safari Credit Card
Joining Fees
₹3000
Annual Fee
₹3000
Welcome Benefits
MakeMyTrip voucher worth ₹3000 upon the first swipe within 30 days of card issuance.
Cashback Features & Rewards The RBL World Safari Credit Card is another attractive option for those who frequently jet-set. While it does come with an annual fee of ₹3,000 + GST, the card essentially pays for itself. New cardholders receive a MakeMyTrip voucher worth ₹3,000 upon the first swipe within 30 days of card issuance, effectively neutralising the annual fee.
8. YES Bank Premia Credit Card
Joining Fees
₹999
Annual Fee
₹999
Welcome Benefits
Waiver of the first-year fee on spending ₹20,000 within the first 30 days.
Cashback Features & Rewards The Yes Bank Premia Credit Card is a solid option for those seeking a balance of rewards and benefits. It comes with an annual fee of ₹999 + GST, However, the card offers a first-year fee waiver if you spend ₹20,000 within 30 days of card setup. Additionally, you’ll enjoy a welcome offer of 25% off on movie tickets booked via BookMyShow.
9. InterMiles HDFC Signature Credit Card
Joining Fees
₹2500
Annual Fee
₹2500
Welcome Benefits
Complimentary InterMiles Silver Membership with 8,000 InterMiles.
Cashback Features & Rewards The InterMiles HDFC Bank Signature Credit Card is a co-branded credit card that offers decent rewards on your hotel and flight bookings. It’s a good choice for frequent travellers looking to maximise their savings on travel expenses.
What are the Eligibility Requirements for Travel Credit Cards?
Securing a travel credit card often involves meeting specific eligibility criteria set by lenders. While these requirements can change across different card issuers, these are some of the commonly considered factors:
Credit Score
To qualify for travel credit cards, you generally need a good to excellent credit score, typically 670 or higher. A higher credit score improves your chances of approval and getting favourable terms.
Credit History
Lenders look at your credit history, including how timely you’ve been with payments, the length of your credit history, and any negative marks like late payments or bankruptcies. A positive credit history can increase your chances of approval.
Income
Your income helps determine if you can repay credit card balances. Premium travel cards might have minimum income requirements, so meeting or exceeding these is important.
Debt-to-Income Ratio
Lenders assess how much of your monthly income goes toward debt payments. A lower ratio is preferred, as it shows less risk to the lender.
Stable Employment
Having a stable job history can improve your eligibility. Lenders consider job stability and consistent income as signs of responsible credit management.
Existing Debt
Lenders review your current debt, such as mortgages, car loans, and other credit cards. While some debt is normal, too much debt relative to your income might be a concern.
Age
In India, you need to be at least 18 years old to apply for a credit card. Premium travel cards may have higher age requirements.
Citizenship/Residency
Some credit cards have specific requirements for citizenship or residency. Ensure you meet these before applying.
Number of Recent Applications
Applying for many credit cards in a short time can hurt your credit score. Be cautious about how often you apply for new credit.
How to Apply for Travel Credit Cards?
To apply for a new travel credit card, it’s important to:
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Understand Your Eligibility
Check if you meet the requirements for the credit card you want, such as credit score and income.
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Gather Your Documents
Collect the necessary paperwork, like ID, proof of address, and income verification.
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Visit the Bank’s Website
Go to the website of the bank offering the travel credit card.
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Find the Card
Locate the specific travel credit card you’re interested in.
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Start the Application
Look for a button like “Apply Now” to begin the application process.
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Complete the Form
Fill out the application with accurate personal and financial information.
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Upload Documents
If needed, submit the required documents according to the website’s instructions.
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Read the Fine Print
Review the credit card terms and conditions carefully.
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Submit Your Application
Once everything is complete, send in your application.
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Wait for Approval
The bank will review your application. You might need to provide additional information.
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Activate Your Card
When approved, you’ll receive your card. Follow the steps to activate it.
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Closing Thoughts
Choosing the right travel credit card can significantly enhance your travel experiences. By carefully considering your travel habits, spending patterns, and desired rewards, you can select a card that aligns perfectly with your needs. Remember to evaluate factors like annual fees, reward structures, additional benefits, and eligibility criteria before making a decision. By getting yourself a travel credit card, you can unlock a world of savings, exclusive perks, and seamless travel experiences.
Frequently Asked Questions (FAQs)
What is the minimum credit score required to apply for a travel rewards credit card?
Credit scores needed for travel credit cards vary by card and company. Generally, you’ll need a credit score between 650 and 700.
What is a Priority Pass?
Priority Pass is a program that gives travellers access to airport lounges.
How does credit card travel insurance work?
Credit card travel insurance covers expenses charged to the card between your departure and arrival times.
Looking for a Specific Credit Card?
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Best
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Fuel
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Premium
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Business
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Students
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Online Shopping Credit Cards
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Airport Lounge Credit Cards
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Book Flights Credit Cards
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International Travel Credit Card
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Movie Tickets Credit Cards
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Rewards
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Lifetime Free Credit Card
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Utility Bill Payment Credit Card
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Insurance Payment Credit Card
