There are a lot of people who hack their way around luxury travel with smart use of credit cards. Knowing the best travel credit cards in India will help you do the same. At FinTown, we spend thousands of hours researching financial products in India to help our customers make the best possible personal finance decisions. You can find below a comprehensive understanding of some of the best travel credit cards.

Card Name Annual Fee Annual Bonus
Citibank PremierMiles Credit Card INR 3000 + GST 13,000 Reward points
Air India SBI Signature Credit Card INR 4999 20,000- 1,00,000 points
AmEX Platinum Travel Credit Card 1st Year: INR 3500 + GST

2nd Year onwards: INR 5000 + GST

INR 33500
HDFC Bank Regalia Credit Card INR 2,500 + GST

Waived off on spending  INR 3L in 12 Months

2,500 Reward Points
JetPrivilege HDFC Bank World Credit Card INR 2500 + GST INR 7, 500 and a one way Jet Airways Ticket
Axis Bank Privilege Credit Card INR 1,500 + GST Yatra vouchers  worth INR 10,000

3,000 Edge Rewards points on renewal

IRCTC SBI Platinum Credit Card Joining Fee: INR 500 + GST

Annual Fee: INR 300 + GST

350 Reward points on spending INR 500

INR 100 cash back on first ATM Withdrawal

Citi PremierMiles Credit Card (For good intro benefit)

The Citibank PremierMiles Credit Card is one of the best travel credit cards in the market for its all round features on rewards/miles redemption across categories, great joining benefits, and excellent airport lounge access.

This is a premium card from Citibank with the annual fees set at INR 3000. This card is targeted at those who travel frequently and would want to have air miles and airport lounge access handy for their travel needs.

Pros and Cons:

Reasons to Choose Reasons to avoid
Excellent Intro Benefits  and renewal bonus High APR
No expiry date of accumulated reward points No golf privileges
PremierMiles on every time you spend
Airport Lounge Access

Rewards/Benefits:

  • 10,000 points as an introductory bonus and 3000 points on renewal.
  • 10 miles per INR 100 on flight tickets and hotel stays on Citi Premier Miles website.
  • 6 or 8 visits to airport lounges depending on whether you have a master or visa card.
  • Never expiring miles.
  • Fuel Surcharge Waiver at Indian Oil Petrol Pumps.
  • 3% reward rate on airline spends.
  • 15% discounts on dining.
  • Rewards Programme covers all airlines.

Quick Figures:

Annual Fee INR 3000 + GST
Annual Bonus 13,000 points
APR 37.20% to 42%
Minimum Requirements For a salaried employee: Net Monthly Income >INR 3,00,000 p.a.

The Citi PremierMiles Credit Card is a superb card for those who are seeking good air miles and airport lounge benefits. The annual fee and interest rate are on the higher side, but the introductory benefits program somewhat makes up for it.

Read Full Review: Citi PremierMiles Credit Card Review

Air India SBI Signature Credit Card (For Air India Frequent Flyers)

The Air India SBI Signature Credit Card targets Air India Frequent flyers and offers incomparable rewards and benefits to the target group. Although it comes with a high annual fee, that gets compensated by the 20,000 reward points that you get upon payment of joining fee. Additionally, you can also enjoy Airport Lounge Access with this SBI Signature Card.

Pros and Cons:

Reasons to Choose Reasons to avoid
Impressive Rewards Programme Restricted to Air India Flights
Airport Lounge Access No dining discounts
Welcome gift High Annual Fee
Fuel Surcharge Waiver No golf privileges

Rewards/Benefits:

  • 20,000 Reward points as a welcome gift on payment of your joining fee.
  • Complimentary membership of the Air India Frequent Flyer program-Flying Returns.
  • Convert your Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile
  • Enjoy International Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority Pass Program
  • Up to 30 Reward Points for every INR100 spent on Air India tickets booked through airindia.com, Air India mobile app. 10 reward points when booked for others.
  • 1% Fuel surcharge waiver on transactions between INR 500 to INR 4,000.
  • Lost Card Liability Cover worth INR 1,00,000.

Quick Figures:

Annual Fee INR 4,999
Annual Bonus
Annual Retail Spend Bonus Reward Points Cumulative Bonus Reward Points
INR 5 lakh 20,000 20,000
INR 10 lakh 30,000 50,000
INR 20 lakh 50,000 1,00,000
APR 40.2%
Minimum Requirements Salaried employee

This card is perfect for you if you like to travel by Air India. However, the only disadvantages of this card are the absence of dining discounts and golf privileges.

AmEx Platinum Travel Credit Card (For Indigo Airlines frequent flyers)

The AmEx Platinum Travel Credit Card is a boon for domestic travellers. It has excellent rewards, excellent milestone rewards and access to airport lounges. This card makes the best sense for those who fly with Indigo frequently. For those who do not like to fly with Indigo, you can ignore this card.

You should also stay away from this card if you do not plan on spending above INR 1.90 Lacs per year. This card offers good milestone rewards on reaching spend amounts of INR 1.90 Lacs and INR 4 Lacs.

Pros and Cons:

Reasons to Choose Reasons to avoid
Impressive Milestone Rewards Programme Restricted to Indigo Flights
Airport Lounge Access High Annual Fee
Welcome gift Travel vouchers valid only for domestic flights
Up to 20% dining discounts

Rewards/Benefits:

  • Welcome Gift: 5,000 Bonus Membership Rewards Points or travel vouchers worth INR 4000
  • Rewards/Miles: 1 points every Rs. 50 on any purchase except for spend at Fuel, Insurance, Utilities and Cash Transactions.
  • Milestone Rewards:
    • INR 7700 worth Indigo travel voucher on INR 1.9 lakhs spend
    • INR 11800 worth Indigo travel voucher on INR 4 lakhs spend
    • Taj voucher worth INR 10000 on INR 4 lakhs spend
  • Other benefits
    • Priority Pass Membership: 4 lounge passes per year.

Quick Figures:

Annual Fee 1st Year: Rs.3500 plus applicable taxes.

2nd Year: Rs.5,000 plus applicable taxes.

Annual Bonus INR 33,500
APR A variable interest rate of 3.5% p.m to 3.75% p.m
Foreign Transaction Fee 3.5%
Minimum Requirements For both salaried employee and self-employed: INR 6 Lacs or above

For someone who plans to spend INR 4 lakhs on their card per year, they may get total benefits valued at INR 33,500. At 8.375% Rewards Rate, it is one of the best for a travel card.

Read Full Review: American Express Platinum Travel Credit Card Review

HDFC Regalia Credit Card (For access to airport lounges)

The HDFC Regalia is a premium credit card offered by HDFC which targets those who travel frequently and like having access to both domestic and international airport lounges. It also comes with complimentary Club Vistara Membership which provides elevated benefits for those who fly with Air Vistara frequently.

Pros & Cons:

Reasons to Choose HDFC Regalia Credit Card Reasons to avoid HDFC Regalia Credit Card
Priority Pass membership A very minimal rewards program
Visa/MasterCard  Lounge Access No rewards and benefits outside travel category
Club Vistara Membership No golf privileges
Joining benefit
Low foreign currency mark-up fee
Fuel Surcharge Waiver

Rewards/ Benefits:

  • 2500 Reward Points as Welcome Gift.
  • Priority Pass Membership: 6 complimentary access to Priority Pass lounges abroad every year
  • Mastercard Lounge Access Program: 2 domestic lounge access passes per quarter
  • Complimentary Club Vistara Silver membership: Regalia cardholders enjoy complimentary Club Vistara Silver Membership which offers unmatched benefits on Vistara:
  • Earn 9 Club Vistara(CV) points for every INR 100 spent on All Vistara Flights.
  • Annual Spends Benefit worth 15,000 reward points
  • Comprehensive Insurance cover policy.

Quick Figures:

Annual Fee INR 2,500 plus GST
Annual Bonus 15,000 reward points for reaching milestone spends

2,500 reward points upon joining

APR 23.88%
Foreign Transaction Fee 2%
Minimum Requirements For salaried employee: Gross Monthly Income of at least INR 1,20,000

For self-employed: ITR for Income of at least Rs.12,00,000

If you are looking at an entry-level premium credit card with excellent travel benefits and access to airport lounges, then the HDFC Regalia is for you. However, if you are looking to earn rewards and you do not care about the Priority Pass membership or Club Vistara membership, you may find other cards that have better rewards programmes.

Read Full Review: HDFC Regalia Credit Card Review

JetPrivilege HDFC Bank World Credit Card (For frequent Jet Airways flyers)

The JetPrivilege HDFC Bank World Credit Card is the semi-premium option of the 4 cards that HDFC launched in partnership with Jet Airways. This card was designed keeping in mind frequent Jet Airways travelers with trips both domestically and internationally. The JetPrivilege card offers a lot of benefits including a 5% discount on Jet Airways base fare rates, international and domestic lounge access, along with an excellent JPMiles program that gives 18 JPMiles for every INR 150 spent on Jet Airways’ office website.

Pros and Cons:

Reasons to Choose Reasons to avoid
Jet Airways benefits Limited to one airline
Airport Lounge Access No golf privileges
Low Annual Fee No dining privileges
Annual bonus in the form of JPMiles High interest rate

Rewards/Benefits:

  • Joining Benefit: One way (base fare waived) Jet Airways ticket; 3750 Bonus JPMiles with first card purchase within 3 months of card issue and 3750 Bonus JPMiles with a spend of INR 75,000 within first 3 months of card issue
  • Renewal Fee Waiver: Rs. 2500 in fee waived if previous year spend is greater than INR 3 Lakhs
  • JPMiles Program:
    • 18 JP Miles for every Rs. 150 spent on Jet Airways official website
    • 6 JPMiles for every Rs 150 spent on Retail
  • Tier Points: Get one ‘Tier Point’ in your JetPrivilege Frequent Flyer Membership on every Rs. 2,00,000/- spent.
  • Airport lounge access:
    • International – 5 access passes through Priority Pass Membership.
    • Domestic – 4 access passes per quarter through VISA/Mastercard programs.
  • Fuel Surcharge Waiver: Up to 1% waived
  • Jet Airways Discount: 5% Discount on base fare for tickets booked on Jet Airways

Quick Figures:

Annual Fee INR 2,500 plus GST
Annual Bonus Up to 7500 Bonus JPMiles
APR 23.88%
Foreign Transaction Fee 2%
Minimum Requirements Salaried employee or self-employed with a stable monthly income

This is one of the 4 cards that HDFC offers in partnership with Jet Airways targeting frequent Jet Airways travellers. You can check the other cards and see which one matches best with your travel needs, annual card spend, and annual fee.

Read Full Review: JetPrivilege HDFC Bank World Credit Card Review

Axis Bank Privilege Credit Card (For travelling with all airlines)

The Axis Bank Privilege Credit Card is one of the most popular travel cards because neither it has a tie-up with any airline nor it has any spend restrictions for earning travel rewards.

The Axis Bank Privilege Credit Card is a great option for credit card newbies who want to earn travel rewards. The card has a low annual fee of INR 1500 that is adequately compensated by an INR 5000 travel voucher.

Pros and Cons:

Reasons to Choose Reasons to avoid
Milestone Benefit No international airport lounge access
Airport Lounge Access High interest rate
Fuel Surcharge Waiver

Rewards/Benefits:

    • Joining Benefit
      • Yatra vouchers worth Rs. 5000 on swiping the Privilege Card thrice within 60 days of card issue
    • Reward Points
      • Earn 10 points for every Rs. 200 spent on the credit card
    • Milestone Benefit
      • Yatra Vouchers worth Rs 5,000 on the Axis Bank Edge website on minimum annual spends of Rs 2.5 Lacs.
    • Annual Benefits
      • Earn 3000 eDGE Reward Points on the renewal of your Axis Bank Privilege Credit Card
    • Access numerous airport lounges
      • 2 Complimentary access per calendar quarter to select MasterCard lounges with a Privilege Axis Bank Credit Card
    • Fuel Surcharge Waiver

Quick Figures:

Annual Fee INR 1,500 plus GST
Annual Bonus Vouchers worth INR 10,000
APR 41.75%
Foreign Transaction Fee 3.5%
Minimum Requirements Net income of INR 6,00,000

If you want a cheap travel card that gives you travel benefits for any airline you choose along with airport lounge access passes and a decent rewards rate, go for this. You cannot go wrong.

Read Full Review: Axis Bank Privilege Credit Card Review

IRCTC SBI Platinum Credit Card (For frequent Indian Railways travellers)

The IRCTC SBI Platinum Credit Card is a great card designed for travellers who use Indian Railways frequently. With a very reasonable annual fee of INR 300 and 1.8% transaction waiver on all IRCTC bookings, this card might reap a lot of savings for those who love to travel by Indian trains. Additionally, there are other benefits like fuel surcharge waiver and rewards program for non-fuel spend.

Pros and Cons:

Reasons to Choose Reasons to avoid
Surcharge Waiver of 1.8%Railway High Interest Rate
Fuel Surcharge Waiver Only valid for IRCTC tickets
Fuel Surcharge Waiver Only valid for IRCTC tickets
Fuel Surcharge Waiver Only valid for IRCTC tickets

Rewards/Benefits:

  • Welcome Bonus Gift:
      • 350 Reward points on spending INR 500 and INR 100 cash back on first ATM withdrawal
  • Rewards Benefits
      • 1 Reward point for every INR 125 retail spends and 10% Valueback as points for AC1, AC2. AC3 and AC CC bookings
      • 1 Reward Point = INR 1
      • Save 1.8% transaction charge on all IRCTC bookings
  • 1% fuel surcharge on fuel transactions between INR 500 – 3000, exclusive of GST

Quick Figures:

Annual Fee Joining Fee: INR 500 + GST

Annual Fee: INR 300 + GST

Annual Bonus INR 100 cash back on 1st ATM usage and 350 reward points
APR 40.20%
Foreign Transaction Fee 3.5%
Minimum Requirements Salaried employee

With such a low annual fee and uniquely designed benefits for IRCTC travellers, this card is a favourite among the urban and semi-urban middle class. You can go for it if you travel with Indian Railways once a month or more.

Read Full Review: IRCTC SBI Platinum Credit Card Review

Bottom Line

In a nutshell, the Citibank PremierMiles credit card is the undisputed winner of best travel credit cards in India. It provides everything that a traveller needs such as impressive miles, excellent introductory benefits and a great rewards programme. Nevertheless, you should opt for Air India SBI Signature Card or Jet Airways Privilege Credit Card if you are a frequent flyer with these airlines.

Note: We update our list of the best travel credit cards in India every month. If you like any other cards that we have not added to this list, please comment below.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.

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