Best travel credit cards for Indians, see offers, discounts and other details

Traveling can be an enriching experience, and for many people, it’s a recurring necessity. However, effectively managing travel costs is essential, especially for those who fly frequently or explore new destinations. That’s where travel credit cards come into play, offering a myriad of benefits designed to enhance the travel experience while providing significant savings.

Travel credit cards are surging in popularity in India, catering to the growing number of avid travelers, business professionals and holidaymakers who want to convert their travel spend into rewards. These cards are specially tailored to convert everyday spending into airline miles, hotel stays and other travel-related rewards, making them an indispensable tool for savvy travelers.

Travel credit cards in India go beyond just accumulating points. They offer comprehensive benefits, including airline miles, free airport lounge access, priority check-in, extra baggage allowance, exclusive deals with partner hotels and airlines, and sometimes even luxury travel concierge services. In addition, these cards often come with additional benefits such as travel insurance, lost luggage compensation, and travel-related emergency coverage, giving you peace of mind while traveling.

Top 10 Travel Credit Cards in India

Best Travel Credit Cards

Travel credit cards are a great way to make traveling more affordable and enjoyable. They offer a variety of benefits, such as earning airline miles for free flights or access to airport lounges. Different credit cards have unique reward structures and rules that suit different types of travelers.

However, the sheer number of options available can make choosing the right travel credit card overwhelming. It’s important to understand the specific features, benefits, and usage strategies of each card to maximize its potential. In this guide, we take a detailed look at the top 10 travel credit cards available in India. We take a deep dive into their benefits, costs, and ideal usage scenarios to help you make an informed decision based on your travel needs and financial habits.

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1. American Express Platinum Travel Credit Card

  • Rewards: Earn 1 Membership Rewards point for every INR 50 spent.
  • Travel Benefits: Travel vouchers worth up to INR 7,700 per year redeemable for flights and hotels.
  • Lounge Access: Complimentary access to domestic airport lounges.
  • Additional benefits: Comprehensive travel insurance, zero liability for lost cards.
  • Annual fee: INR 5,000.
  • Best Use: Best for travelers who frequently travel domestically and book flights and accommodation directly through the card.

2. Citi PremierMiles Credit Card

  • Airline Miles: Earn 10 Airline Miles for every INR 100 spent on air transactions.
  • Lounge Access: Free access to designated airport lounges.
  • Additional benefits: aviation accident insurance, card loss liability insurance.
  • Annual fee: INR 3,000.
  • Best Use: Ideal for those who like the flexibility to redeem air miles across multiple airlines.

3. HDFC Bank Diners Club Black Card

  • Reward Points: Earn 5 points for every INR 150 spent; Best deals on flights and hotels.
  • Lounge Access: Unlimited access worldwide.
  • Additional benefits: Free golf tournaments, concierge services and emergency overseas hospitalization benefits.
  • Annual fee: INR 10,000 (waivable).
  • Best Use: For high spenders who can take advantage of the card’s luxury travel benefits and high rewards rate.

4. Axis Bank Vistara Credit Card

  • Vistara Points: Earn 2 points for every INR 200 spent.
  • Flight benefits: Get a free economy class ticket when you issue or renew your card.
  • Lounge access: None.
  • Additional benefits: Insurance coverage.
  • Annual fee: INR 1,500.
  • Best Use: Best for frequent flyers of Vistara Airlines.


  • Rewards: Reward points, free movie tickets.
  • Lounge Access: Access to domestic and international lounges.
  • Additional benefit: Minimal foreign currency markup fee (1.99%).
  • Annual Fee: INR 4,999.
  • Best Use: Ideal for movie lovers and those who travel abroad frequently due to low foreign exchange fees.
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6. ICICI Bank Emerald Credit Card

  • No foreign currency markup: perfect for international consumption.
  • LOUNGE ACCESS: Full access worldwide.
  • Additional benefits: PPersonal accident insurance and lost card liability insurance.
  • Annual fee: INR 12,000 (waivable).
  • Best Use: Ideal for those who travel abroad frequently and need flexible spending options.

7. YES Bank Prosperity Edge Credit Card

  • Rewards: Earn 6 points for every INR 200 spent domestically.
  • Lounge Access: Limited international lounge access.
  • Additional benefit: Aviation accident life insurance.
  • Annual fee: INR 1,199.
  • Best Use: Suitable for domestic consumers who occasionally travel abroad.

8. RBL Bank World Safari Credit Card

  • Travel benefits: No foreign exchange markup fees, MakeMyTrip vouchers.
  • Rewards: Earn 2 points for every INR 100 spent.
  • Lounge Access: Limited.
  • Additional benefit: Comprehensive travel insurance package.
  • Annual fee: INR 3,000.
  • Best Uses: Perfect for those who frequently shop on MakeMyTrip and travel internationally.

9. IndusInd Bank Legend Credit Card

  • BONUS POINTS: Earn double on weekends.
  • Lounge Access: Free access to lounges.
  • Additional benefits: automatic assistance, transaction protection.
  • Annual Fee: INR 9,999.
  • Best Use: Best for weekend shoppers and those who value value-added safety features.

10. Kotak Royale Signature Credit Card

  • Rewards: Earn up to 4x points on select spending categories.
  • Lounge Access: Domestic lounge access.
  • Additional benefit: Rail and fuel surcharges are waived.
  • Annual fee: INR 999.
  • Best Uses: For domestic travelers and those who spend a lot on dining and hotels.

Comparative Overview

Card NameawardLounge Accessannual feespecial function
American Express Platinum TravelHighdomesticINR 5,000Travel vouchers, insurance
Citibank PremierMilesAirline MilesSelectINR 3,000Accident insurance, lost card protection
HDFC Diners Club Black CardHighunlimited₹10,000 (exempt)Golf, concierge service
Axis Bank VistaraVistara Pointsnot anyINR 1,500Air tickets, insurance
SBI CARD ELITEHighBothRs. 4,999Movie tickets, low foreign exchange fees
ICICI Bank Emeraldnot anyBoth₹12,000 (Exempt)No foreign exchange fees, insurance
YES Bank Prosperity AdvantageEaselimitedINR 1,199Aviation Accident Insurance
RBL Bank World SafariEaselimitedINR 3,000MMT vouchers, no foreign exchange fees
The Legend of IndusInd BankEaseSelectINR 9,999Automatic assistance, transaction protection
Royal Signature Hotel KotakHighdomesticINR 999Dining rewards, surcharge waivers
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