Are you a frequent traveller looking for the best credit card to maximize rewards, discounts, and perks? Choosing the right travel credit card in India can help you save money, enjoy premium travel benefits, and enhance your overall travel experience.
In this guide, we’ll explore the best travel credit cards in India for 2025, their features, and how they can benefit you.
Why Use a Travel Credit Card?
A travel credit card is specifically designed to offer rewards and benefits for travel-related expenses. Here are some reasons to get one:
- Earn air miles or reward points that can be redeemed for flights, hotels, or travel experiences.
- Enjoy airport lounge access for a comfortable pre-flight experience.
- Get travel insurance, minimizing financial risks during trips.
- Avail discounts and cashback on flight bookings, hotel stays, and dining.
- Forex markup benefits, help you save on international transactions.
Best Travel Credit Cards in India (2025)
1. HDFC Bank Regalia Credit Card
Key Features:
- Complimentary airport lounge access (both domestic & international).
- Earn 4 reward points per ₹150 spent.
- Air miles redemption with partner airlines.
- Travel insurance coverage up to ₹1 crore.
- Low foreign currency markup of 2%.
Best For:
Frequent domestic and international travellers who want luxury benefits at a mid-tier fee.
2. SBI Elite Credit Card
Key Features:
- Complimentary 6 domestic & 2 international lounge visits annually.
- Earn 2 reward points per ₹100 spent on travel, dining, and entertainment.
- ₹5,000 welcome e-voucher from Yatra, Trident, or Pantaloons.
- Complimentary Priority Pass membership.
- ₹1 crore air accident insurance coverage.
Best For:
Luxury travellers who want benefits across multiple spending categories.
3. Axis Bank Magnus Credit Card
Key Features:
- Unlimited domestic & international lounge access for cardholders and guests.
- ₹10,000 worth of travel vouchers as a welcome benefit.
- Low forex markup of 2%.
- Earn 12 EDGE reward points per ₹200 spent.
- Complimentary Taj Epicure Plus Membership for luxury hotel stays.
Best For:
Premium travellers looking for luxury benefits and international lounge access.
4. American Express Platinum Travel Credit Card
Key Features:
- Earn up to 7,500 Membership Rewards Points as a welcome bonus.
- Complimentary Taj Stay Vouchers worth ₹19,000 annually.
- Priority Pass membership with international lounge access.
- 4 Membership Reward Points per ₹100 spent.
- Air Miles conversion to leading airlines like Singapore Airlines and British Airways.
Best For:
Loyal Amex customers who want premium travel benefits and Taj vouchers.
5. InterMiles HDFC Bank Diners Club Credit Card
Key Features:
- Earn up to 16 InterMiles per ₹150 spent.
- Complimentary airport lounge access at over 1,000 locations worldwide.
- Convert reward points to InterMiles and redeem for flight tickets.
- Travel insurance coverage up to ₹2 crore.
- Low forex markup fee of 2%.
Best For:
Frequent flyers who want to accumulate airline miles faster.
How to Choose the Right Travel Credit Card?
Before selecting a travel credit card, consider the following factors:
- Annual Fees & Charges: Some premium cards offer great benefits but come with high fees.
- Lounge Access: Choose a card that offers complimentary lounge access if you travel often.
- Reward Points & Redemption: Look for a card that allows you to redeem points for flights, hotels, or cashback.
- Foreign Exchange Markup: If you travel internationally, opt for a card with a low forex markup (2% or lower).
- Travel Insurance Coverage: Ensure your card provides travel insurance, including air accident and lost baggage coverage.
Final Thoughts
The right travel credit card depends on your spending habits, travel frequency, and preferred perks. If you seek luxury and lounge access, the Axis Bank Magnus Credit Card is a great choice. If you want an affordable travel card with rewards, the HDFC Regalia Credit Card is an excellent pick.
Before applying, always check the latest terms and conditions, annual fees, and benefits. Happy travels!
Do you have a favourite travel credit card? Share your experiences in the comments below!
