A travel credit card is the perfect option if you travel regularly and wish to save your expenses. For people who travel regularly, travel credit offers attractive discounts and benefits. Typically, banks provide two types of credit cards for travel. Among many others, the first is in partnership with companies like MakeMyTrip, Emirates, and IRCTC. Special advantages are provided to their brand purchases through the collaborated travel card. The other is a standard credit card with plenty of travel-related bonuses. These cards offer benefits on everything rather than concentrating on any particular brand. If you’re confused about which travel credit card you should apply for then, you don't have to worry because findcreditloan has compiled a list of the best travel credit cards to assist you in choosing the finest one.


IRCTC SBI RuPay Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card


IRCTC RBL Bank Credit Card

Joining Fee

₹500 + GST

Renewal Fee

₹500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

500 Reward Points


HDFC Bank RuPay IRCTC Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.


MakeMyTrip ICICI Bank Credit Card

Joining Fee

₹999 + GST

Renewal Fee

₹999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

₹1,000 MMT Voucher and MMTBLACK Gold Tier Membership


ixigo AU Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance


KrisFlyer SBI Credit Card

Joining Fee

₹2,999 + GST

Renewal Fee

₹2,999 + GST

Best Suited For

Travel

Reward Type

KrisFlyer Miles

Welcome Benefits

3,000 KrisFlyer Miles


6E Rewards XL – IndiGo HDFC Bank Credit Card

Joining Fee

Rs. 1,500 + GST

Renewal Fee

Rs. 1,500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

One complimentary flight ticket worth Rs. 3000 and 6E Prime Add-On.


Benefits of Travel Credit Cards

The following are just a few of the many advantages that a travel credit card offers to you:

  • Complimentary domestic and international airport lounge access
  • Travel insurance benefits
  • Discounts on flights and hotel bookings
  • Discounts on railway bookings
  • Free railway lounge access
  • Low foreign mark-up fee

List of best Travel credit cards

IRCTC SBI RuPay Credit Card ⭐

  • Best for people who frequently travel via railways
  • Receive 350 bonus reward points on joining
  • Free 4 railway lounge access 
  • Link card on various UPI platforms
  • 1 reward point on the expense of Rs.125
  • Special discounts on train ticket booking via IRCTC
  • 1% fuel surcharge exemption across India
  • Earn 500 reward points on paying the renewal fees

IRCTC RBL Credit Card ⭐

  • Best suitable for traveling
  • On the first transaction of Rs.500, earn 500 reward points as a welcome benefit.
  • Link card on all UPI applications
  • Can be used as a travel card like at metro stations or bus terminals
  • Get 8 railway lounge access yearly
  • Waive 1% transaction fees on train ticket booking via IRCTC 
  • Earn 5 reward points on train ticket booking via IRCTC
  • Earn 3 reward points on Fastag Recharge
  • Earn 2 reward points on flights, cruises, or hotel bookings via IRCTC
  • Earn 1 reward point on other expenses
  • Redeem reward points on the IRCTC website or apps

HDFC Bank RuPay IRCTC Credit Card ⭐

  • Receive an Amazon voucher worth Rs.500 on the first transaction within a month
  • Spend Rs.30,000 or more in 90 days and earn an Amazon voucher worth Rs.500
  • Link your card with all your UPI apps and earn 500 reward points monthly on UPI expenses
  • Book tickets through IRCTC and earn 5X reward points
  • Earn 1 reward point on every Rs.100 spent
  • Book tickets through the IRCTC app, and pay via HDFC SmartBuy to get an extra 5% off
  • 1% fuel surcharge exemption across India
  • Waive transaction fees on ticket booking on the IRCTC app
  • Free 8 railway lounge access yearly

MakeMyTrip ICICI Bank Credit Card ⭐

  • Pay the joining fee and get a MakeMyTrip voucher worth Rs.1000
  • Get one one-year MMTBLACK Gold Membership
  • Spend Rs.3 lakhs in a year and waive off annual fee
  • Pay an annual fee and get a MakeMyTrip hotel voucher worth Rs.1000
  • 8 domestic airport lounge access in a year
  • 1 international airport lounge access yearly
  • Purchase 1 movie ticket and get up to Rs.150 off on your second ticket if booked via BookMyShow or INOX
  • Earn 6% Mycash on hotel bookings done through MakeMyTrip
  • Earn 3% Mycash on train, flight, or bus booking done through MakeMyTrip
  • Earn 1% Mycash on other expenses
  • Enjoy 3 months no cost EMI on MakeMyTrip

ixigo AU Credit Card

  • Receive Rs.1000 ixigo money voucher on joining
  • Get 1000 reward points on the first transaction
  • Get up to 10% off on flight tickets booked via ixigo 
  • Get up to 10% off on bus tickets booked via ixigo 
  • Receive up to Rs.1000 instantly on hotel booking
  • Receive 10 reward points on online expenses
  • Receive 20 reward points on train tickets booked via ixigo 
  • Receive 5 reward points on offline purchases
  • Get 1 international and 16 domestic airport lounge access yearly
  •  1% fuel surcharge exemption
  • Convert expenses of Rs.2000 or more into EMIs

KrisFlyer SBI Credit Card ⭐

  • On payment of joining fees, earn 10,000 KrisFlyer Miles
  • Receive 10 KrisFlyer Miles on expenses on Singapore Airline Groups
  • Receive 8 KrisFlyer Miles on international expenses
  • Receive 6 KrisFlyer Miles on other expenses
  • Free 8 domestic airport lounge access yearly
  • Free 8 international airport lounge access yearly
  • Complimentary air travel insurance benefits

6E Rewards XL IndiGo HDFC Credit Card ⭐

  • On payment of joining fees, get a complimentary ticket worth Rs. 3000
  • Get 5% 6E reward points on Indigo flight
  • Free 8 domestic airport lounge access yearly
  • Get 3% 6E reward points on dining expenses
  • Get 3% 6E reward points on entertainment and grocery expenses
  • Get 2% 6E reward points on other expenses
  • Get 2% 6E reward points on fuel expenses 
  • Receive discounts on convenience chargers on Indigo ticket bookings

Why you should select these cards

Credit Card NameReason to select
IRCTC SBI RuPay Credit CardThis travel credit card is an excellent choice for frequent railway travelers, card can be linked to various UPI platforms for seamless transactions, discounts on train ticket bookings via IRCTC, and can enjoy free access to railway lounges.
IRCTC RBL Credit CardThis credit card is ideal for travelers, offering a host of benefits across various modes of transport. It functions as a travel card, making it convenient for metro and bus fare payments, saving on train ticket bookings via IRCTC, and linking the card to all UPI applications for seamless payments.
HDFC Bank RuPay IRCTC Credit CardThis credit card offers fantastic rewards and savings, making it an excellent choice for frequent travelers and online shoppers. 
MakeMyTrip ICICI Bank Credit CardThis credit card is a great choice for frequent travelers and entertainment lovers, offering exclusive benefits on travel bookings and movie tickets. 
ixigo AU Credit CardThis credit card is an excellent choice for travelers, offering exclusive benefits on bookings through Ixigo along with rewarding perks on everyday spending. 
KrisFlyer SBI Credit CardThis credit card is perfect for frequent international travelers, especially those flying with Singapore Airlines. With its extensive travel perks and high-mileage rewards, this card is a great choice for those who frequently fly abroad.
6E Rewards XL IndiGo HDFC Credit CardThis credit card is a great choice for frequent IndiGo flyers, offering exclusive rewards and travel perks. The card also provides discounts on convenience charges for IndiGo ticket bookings, making it an excellent option for those who frequently fly with the airline and want to maximize their rewards.

Conclusion

For frequent travelers, a travel credit card is a great partner because it provides several advantages that improve ease and cost savings. These cards make travel more enjoyable by offering free lounge access at both domestic and international airports as well as exclusive savings on reservations for hotels, airlines, and trains. Whether it's traveling or other expenses this card provides extra benefits like savings on entertainment, dining, groceries, or insurance. A travel credit card is a useful tool for people who enjoy traveling since it has features that optimize comfort and savings.

Frequently Asked Questions (FAQ)

What are the advantages of having a travel credit card?

If you own a travel credit card you’re entitled to various advantages such as complimentary airport lounge access both domestic and international, low markup fees, reward points, discounts on ticket bookings, and many more. However, if you own a premium travel credit card you get extra perks like hotel/flight gift vouchers, complimentary tickets, etc. 

What are the eligibility criteria for a travel credit card?

The eligibility criteria for a travel credit card vary from bank to bank. However, the common eligibility criteria are:

Resident: Indian

Age: Should be above 18 years

Employment: Salaried or Self-employed

Credit score: Must have a good Cibil score

Do I get free travel insurance with my travel credit card?

Most of the banks offer free travel insurance benefits with a travel credit card. Insurance benefits like air accident coverage, baggage loss, flight cancellation charges, and others, come with a travel card. However, it is advisable to check the policies of your card-issuing bank to be more clear. 

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