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Top Travel Credit Card 2024 In India: Compare & Apply Now

  


Introduction

In 2024, there are a wide range of travel credit cards available in India to suit all types of travelers, from regular flyers to luxury seekers to train commuters. With incentives like rewards, free lounge access, and other perks, these cards will improve travel experiences.

The article explores the best travel credit cards that are offered in India, emphasizing their benefits, features, and suitability for various traveler types. It provides a thorough comparison to help choose the best card based on individual travel tastes and spending patterns.

This list attempts to make it easier to choose the best travel credit card from the many possibilities available in the constantly changing credit market.

In-Depth Look at Top Travel Credit Cards in India:

 

For Air Travel Enthusiasts

 

Axis Bank Vistara Signature Credit Card:

  • Annual Fee: Rs. 3,000

  • Rewards & Benefits:

    • Complimentary Premium Economy ticket upon joining and renewal

    • Club Vistara Silver Membership

    • Earn 4 Club Vistara (CV) points for every Rs. 200 spent

    • Up to 4 complimentary Premium Economy tickets based on milestone achievements

  • Eligibility: Applicants typically need to have a good credit score and a stable income source. The bank may specify income criteria during the application process.

Click Here to Instant Apply for Axis Bank Vistara Signature Credit Card

 

Amex Platinum Travel Credit Card

  • Annual Fee: Rs. 5,000

  • Rewards & Benefits:

    • 10,000 reward points as a welcome benefit

    • 8 complimentary domestic airport lounge access per year.

    • Taj Experiences E-gift card worth Rs. 10,000.

    • Up to 20% off on dining at selected restaurants.

  • Eligibility: A good credit history and a minimum income of Rs. 6 lakh p.a. are essential. 

Click Here to Instant Apply for Amex Platinum Travel Credit Card

 

IDFC Club Vistara Credit Card

  • Annual Fee: Rs. 4,999

  • Rewards & Benefits:

    • One voucher for a complimentary Premium Economy ticket

    • One voucher for a class upgrade

    • 3 months of complimentary EazyDiner Prime membership and BQ Prime subscription

    • Complimentary Club Vistara Silver Membership

  • Eligibility: Applicants typically need to have a good credit score and a stable income source. The bank may specify income criteria during the application process

Click Here to Instant Apply for IDFC Club Vistara Credit Card


Axis Spicejet Credit Card

  • Annual Fee: Rs. 750

  • Rewards & Benefits:

    • Receive a SpiceJet flight voucher valued at Rs. 1,500 upon completing 2 transactions within 30 days of issuing the card.

    • Earn 6 SC Points per Rs. 200 spent on SpiceJet mobile application & website, online utility bill payment, online food ordering, and online entertainment.

    • Receive 3 SC Points credited to the cardholder’s SpiceClub account for every Rs. 200 spent on retail purchases.

    • Obtain 2000 SC Points upon spending Rs. 1 lakh in a card membership year.

    • Earn 3000 SC Points upon spending Rs. 2 lakh in a card membership year.

    • Enjoy 4 complimentary lounge visits per year at select domestic airports.

    • Complimentary Spiceclub Silver membership upon card approval.

  • Eligibility: Applicants typically need to have a good credit score and a stable income source. The bank may specify income criteria during the application process

Click Here to Instant Apply for Axis Spicejet Credit Card


Axis Platinum Vistara Credit Card

  • Annual Fee: Rs. 1,500

  • Rewards & Benefits:

    • 1 complimentary Vistara Economy Class ticket voucher upon payment of the card joining fee.

    • This benefit can be availed every year by paying the credit card renewal fee.

    • Enjoy complimentary enrollment in the Club Vistara Base Membership Program.

    • 2 complimentary lounge access at select Indian airports.

    • 25% off on dining with Axis Bank EazyDiner at the partner restaurants.

  • Eligibility: Applicants typically need to have a good credit score and a stable income source. The bank may specify income criteria during the application process

Click Here to Instant Apply for Axis Platinum Vistara Credit Card

 

For Railway Travelers

 

IRCTC SBI Platinum Credit Card:

  • Annual Fee: Rs. 300

  • Rewards & Benefits:

    • 10% value back as reward points on railway bookings

    • 1.8% transaction surcharge waiver on bookings

    • Four complimentary railway lounge services every year

  • Eligibility: Similar to other SBI cards, a stable income and a good credit score are necessary for eligibility.

Click Here to Instant Apply for IRCTC SBI Platinum Credit Card

 

HDFC IRCTC Credit Card:

  • Annual Fee: Rs. 500

  • Rewards & Benefits:

    • Receive a Rs. 500 voucher upon card activation within the first 30 days of its issuance.

    • 8 complimentary access to select IRCTC Executive Lounges per year.

  • Eligibility: Applicants should have a good credit history and meet specific income criteria.

Click Here to Instant Apply for HDFC IRCTC Credit Card

 

Entry-Level Travel Cards

 

Standard Chartered EaseMyTrip Credit Card:

  • Annual Fee: Rs 350

  • Rewards & Benefits:

    • 20% discount on hotel bookings.

    • 10% discount on flight bookings.

    • 1 complimentary domestic lounge and 2 complimentary international lounge visits per year.

  • Eligibility: A stable income and a good credit score are required. The bank may specify further details upon application.

Click Here to Instant Apply for Standard Chartered EaseMyTrip Credit Card

 

Premium Travel Benefits

 

Amex Platinum Credit Card

  • Annual Fee: Rs. 60,000

  • Rewards & Benefits:

    • Receive stay vouchers worth Rs. 45,000 valid at Taj, SeleQtions, and Vivanta Hotels.

    • Access 1,200 airport lounges across the globe

    •  Get access to top-tier hotel loyalty programs 

  • Eligibility: High credit score and stable, high income are typically required, with Amex Platinum setting specific income thresholds.

Click Here to Instant Apply for Amex Platinum Credit Card

 

HSBC Platinum Card

  • Annual Fee: No joining and annual fee

  • Rewards & Benefits:

    • Amazon gift voucher worth Rs.500 on spending Rs.5,000 within 30 days of card issuance

    • A free entertainment ticket voucher worth up to Rs.500 on spends of Rs.50,000 in a year.

    • Avail up to 15% discount at select restaurants in your city.

  • Eligibility: A good credit score and stable income are typically required, Should be a resident of the cities in which the credit card is offered

Click Here to Instant Apply for HSBC Platinum Card


Marriott HDFC Credit Card

  • Annual Fee: Rs. 3,000

  • Rewards & Benefits:

    • Complimentary Marriott Bonvoy Silver Elite Status for free

    • Receive 1 Free Night Award, redeemable for a stay valued up to 15,000 Marriott Bonvoy Points

    • Get 10 Elite Night Credits for the primary cardholder, which can be used for room and membership upgrades under the Marriott Bonvoy Program

    • 12 complimentary lounge access each year within and outside India

  • Eligibility: Good credit score and stable income are typically required, specific age and income criteria.

Click Here to Instant Apply for Marriott HDFC Credit Card

 

Comparative Analysis:

Credit Card

Annual Fee

Key Benefits

Best For

Axis Bank Vistara Signature

Rs. 3,000

Complimentary flights, CV points

Vistara flyers

Amex Platinum Travel Credit Card

Rs. 5,000

Reward points, lounge access

American Express loyalists

IDFC Club Vistara Credit Card

Rs. 4,999

Complimentary flight ticket and club Vistara silver membership

Vistara flyers

Axis Spicejet Credit card

Rs. 750

Complimentary Spicejet tickets

Spicejet flyers

Axis Platinum Vistara Credit card

Rs. 1,500

Complimentary flight ticket and club membership

Vistara travellers

SBI IRCTC Credit Card

Rs. 300

Reward points, IRCTC lounge access

IRCTC users seeking lounge access

HDFC IRCTC Credit Card

Rs. 500

IRCTC lounge access

IRCTC users seeking lounge access

Standard Charter EaseMyTrip Credit card

Rs. 350

Discount on flight and hotel bookings

EaseMyTrip Users

Amex Platinum Credit Card

Rs. 60,000

Stay vouchers, access to multiple airport lounges

High spenders, diverse travel

HSBC Platinum Card

Lifetime Free Membership

Gift vouchers, discount on dining

High spenders

Marriott HDFC Credit card

Rs. 3,000

Discount on stay at Marriott

Marriott loyalist

 

Conclusion

The greatest travel credit card in India for 2024 will depend on personal preferences for travel and the perks that are most important to you. These can include savings on rail tickets, airline loyalty points, and lounge access. The variety of cards on offer appeals to a wide range of passengers and provides a range of advantages intended to improve both expensive and low-cost travel experiences.

The choice should take into account the ratio of annual fees to advantages; cards with higher fees can provide better incentives, which would make them more appealing to regular travelers. On the other hand, entry-level cards with minimal or no annual fees might offer better value for infrequent travelers or those who stick to a particular travel brand.

It's critical to evaluate a credit card's compatibility with your travel preferences, favorite airlines or train providers, and the potential worth of its benefits and points. The best credit card for travel fits your interests, spending habits, and travel objectives to make sure your trips are fulfilling and pleasurable.

To make an informed decision, always carefully read the terms and conditions.

 





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