10 Best Travel Credit Cards in India 2024

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.

• Enjoy a low annual interest rate of 9% on unpaid bills. No Forex charges on international transactions.
• Earn 4X reward points on every purchase.
• Enjoy offers at over 300 partner merchants.
• Get a 20% discount at over 1500 partner restaurants.
• No forex mark-up fees.
• Complimentary roadside assistance.
• Save up to INR 200 per month on fuel charges.
• Personal accident cover of INR 2,00,000.
• Lost card liability cover of INR 25,000.
• Up to 20% discount at partner restaurants.
• Up to 15% discount at partner health and wellness outlets.
• Earn an interest rate of 7.25% on the required fixed deposit.
• The minimum fixed deposit amount is INR 10,000.
• Each reward point is worth INR 0.25.

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.

• Zero Forex Markup for cost-effective global spending. Load funds in INR which automatically convert to local currency.
• No added fees on foreign transactions for better savings.
• Easily load Indian Rupees and spend in over 150 countries with automatic currency conversion.
• No need to keep a minimum balance in your account (though it’s recommended to have at least INR 10,000).
• Earn interest on your money at a competitive rate of up to 6.5% per year.
• Add money to your account without extra fees using NEFT, IMPS, or RTGS.
• Send money for free using NEFT, RTGS, and IMPS.
• Enjoy access to airport lounges in India.
• Conveniently check real-time currency rates and find nearby ATMs in the app.
• Invest in mutual funds without paying any extra fees.
• Exclusive app offers on hotels, flights, and more.
• 24/7 personal assistant service through VISA concierge.
• Personalised travel assistance with meet and assist service.
• In-app support available 24/7 for account help.

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:

• Earn reward points annually. Access both international and domestic lounges.
• Get a starting boost of 20,000 reward points upon card activation.
• Enjoy automatic membership in Air India’s frequent flyer program, Flying Returns.
• Earn 4 points for every ₹100 spent on any purchase.
• You can potentially earn up to 100,000 additional reward points each year.
• Easily convert your reward points into Air Miles for use on Air India flights (1 point = 1 Air Mile).
• Earn up to 30 reward points per ₹100 spent when booking Air India flights directly through their website or app. This includes 30 points for your own bookings and 10 points for bookings made for others.
• Relax in style with complimentary access to over 600 international airport lounges through the Priority Pass program. Additionally, enjoy access to domestic airport lounges in India with the Visa Lounge Access Program.

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.

• Accumulate reward points on all purchases.
• A free premium economy flight ticket to start.
• Automatic Club Vistara Silver membership.
• Earn 4 Club Vistara points for every Rs. 200 spent.
• Free access to domestic airport lounges.
• 25% off at partner restaurants (up to Rs. 800).
• 3 free rounds of golf each year.
• Rs. 1 lakh purchase protection.
• Rs. 300 coverage for lost travel documents, checked baggage, and delayed baggage.
• Convert purchases over Rs. 2500 into EMIs.

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.

• Insurance cover for up to four flight cancellations per year.
• Free economy class flight ticket when you pay the annual fee.
• Earn 3 Club Vistara Points for every Rs. 200 spent.
• Up to four free flight cancellations per year (maximum Rs. 3,500 each).
• Lost card protection up to Rs. 1 lakh.
• Travel insurance coverage for accidents, baggage loss, and delays.
• Priority Pass membership for airport lounge access.
• One free domestic airport lounge visit every three months.

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.

on transactions between ₹400-5000. Up to 10X reward points on online and offline spends. Premium memberships for OTT services and Cult.fit.

The best part? The AU Lit Credit Card is lifetime free, eliminating any annual fees that can often deter cardholders. So, you can enjoy the benefits without worrying about hidden costs. Let’s dive into some of the card’s key features:

• Customisable Benefits: Choose from a range of add-on features like lounge access, cashback categories, and more to create a card that aligns perfectly with your travel style.
• Reward Points: Earn reward points on every spend to redeem for exciting rewards and discounts.
• Cashback Offers: Enjoy cashback on various spending categories, including travel, shopping, and dining.
• Lifetime Free: No annual fees, ever.
• Contactless Payments: Convenient and secure contactless transactions.
• Online Account Management: Easily manage your card and track your spending through the AU Bank mobile app.

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.

Earn 5 travel points for every ₹100 spent on travel. Waiver on fuel surcharge up to ₹250 per month. Two complimentary domestic lounge accesses per quarter.

This card offers a suite of benefits designed to enhance your travel experience. It’s main features include:

• Zero Forex Markup: Enjoy hassle-free international transactions without worrying about hidden charges.
• Lounge Access: Make your airport experiences more comfortable with complimentary domestic lounge access and international lounge access through Priority Pass.
• Travel Rewards: Earn travel points on every spend and redeem them for flights, hotels, and more.
• Travel Insurance: Get peace of mind with comprehensive travel insurance coverage, including trip cancellation, baggage loss, and medical emergencies.
• Milestone Benefits: Unlock additional rewards like gift cards and bonus points as you reach spending milestones.

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.

This card is packed with features designed make your spends more rewarding. Let’s break down what it offers:

• Reward Points: Earn 6 reward points for every ₹200 spent on all retail purchases. These points can be redeemed for a variety of rewards.
• Lounge Access: Enjoy 3 complimentary lounge accesses per year, allowing you to relax in comfort during your travels.
• Dining Discounts: Savor delicious meals with a 15% discount at select restaurants.
• Fee Waiver: Spend ₹2,00,000 in a year and get a waiver on the renewal anniversary fee.

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.

With this card, you can earn a whopping 12X rewards on your travel bookings made through the InterMiles website. This means more InterMiles points for every rupee spent, bringing you closer to your dream vacation. Additionally, cardholders enjoy exclusive perks like discounts on Etihad Airways bookings and complimentary airport lounge access.

However, it’s important to note that the rewards earned can only be redeemed on the InterMiles website. So, if you’re already a loyal InterMiles user and book your travel through their platform, this card can be a fantastic addition to your wallet.

• Earn 12X InterMiles on flight and hotel bookings made via the InterMiles website
• Exclusive discounts on Etihad Airways bookings
• Complimentary airport lounge access
• Potential for waiver of annual fee based on spending
• Option to add supplementary cards
• Contactless payment technology for quick and secure transactions
• Reward points can be redeemed for flights, hotels, car rentals, and more on the InterMiles platform