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The 6 Best Travel Money Cards for India 2024

If you’re travelling to India, a dedicated travel money card can make spending and withdrawing Indian rupees cheaper and more convenient. Different types of travel money cards exist to support different customer needs, including travel debit cards, prepaid travel cards and travel credit cards. The right one for you will depend on your personal preference and how you like to manage your money.

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - our pick for travel debit card for India

Before we get into details about different travel money card options, let’s start with the Wise card as a versatile option for a travel money debit card that allows you to hold and spend not only INR but also a diverse range of other currencies.

Wise accounts can hold and exchange 50+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in pounds and switch to INR before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 50+ currencies alongside INR

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals, just like your regular bank card can be. However, with a travel money card you’ll find the features and fees have been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally.

6 travel money cards for India compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for India compare side by side:

As you can see, the features and fees of different travel money cards can vary widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice benefits like cashback or rewards - but do mean you might be faced by interest costs and late payment charges if you don’t clear your bill in full every month.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

UK customers can get a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. Let’s take a closer look at what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, even when you travel.

Wise - travel debit card for India

Wise is our best value travel money debit card for India. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent ATM withdrawal fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold INR and 50+ other currencies, convert between them with the mid-market rate

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from free Standard plans to the 12.99 GBP/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies including INR, and convert currencies with the mid-market rate to your plan’s allowance.

No fee to open a Standard Revolut account, or upgrade for up to 12.99 GBP/month

Card delivery fees may apply depending on your account tier

All accounts have some fee free currency conversion with 0.5% fair usage fees after that

Standard plan holders can withdraw 200 GBP (up to 5 withdrawals in total) per month for free

Hold INR and around 25 other currencies

Pros and cons of using debit travel cards in India

No possibility to run up interest costs or late payment fees

Real-time currency holding and exchange options available

Digital top-up, management, and account viewing features

Safe to use as they're not connected to your primary UK bank account

Issued on widely-used global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

Click here to read a full Revolut review

How to choose the best travel debit card for India?

The best travel debit card for India really depends on your personal preferences and how you like to manage your money. If you’ll be travelling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies as well as INR, like Wise. Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of fee free transactions and extra perks.

Is there a spending limit with a travel debit card in India?  

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards

Prepaid travel cards can be ordered or collected from specialist providers - once you have a card you’ll just need to add funds in the supported currency of your choice. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards support all currencies. INR prepaid cards are pretty hard to come by, so you may find you pay a foreign transaction fee when you spend. However, a prepaid card can still be helpful from a security perspective, as it means you won’t need to use your regular bank card while you’re in India.

Prepaid travel card option 1: Post Office

You can pick up a Post Office prepaid travel money card in a Post Office branch or order one online. You’ll then be able to top up in pounds or one of the 22 supported currencies. As INR isn’t a supported currency you’ll pay a 3% foreign transaction fee to spend with your card in India - however this card can still be a helpful choice because it means you can avoid using your regular bank card while overseas.

Hold and exchange 22 currencies (not including INR)

No fee to spend a balance in a supported currency

3% foreign transaction fee when spending a currency you don’t hold on the card

Variable ATM withdrawal fees based on the currency you hold

No interest to pay

Click here to read a full Post Office review

Prepaid travel card option 2: Monese

Monese accounts can be opened by UK residents to hold GBP, EUR and RON. There are several different types of accounts, from the Simple account which has no monthly fees, to fee paying account tiers which have more features. It’s free to spend a balance you hold - but as INR isn’t a supported currency, you may find you pay a foreign transaction fee of 2% when you’re spending in India. Foreign transaction fees may be waived for higher tier account holders.

Hold a balance in GBP, EUR or RON

Choose a free Simple account, or upgrade to an account with monthly fees

Foreign transaction fees of 2% may apply depending on your account tier

ATM withdrawal fees may apply, depending on the value of withdrawals and the account tier you hold

Track and spend Avios reward points within your account

Pros and cons of using prepaid travel cards in India

Manage your account, add more money or convert funds online or with an app

Accounts with no monthly fees are available

Selection of supported currencies, with no fee to spend a currency you hold

ATM withdrawals supported globally

Some accounts have extras like options to earn reward points

INR may not be a supported currency

Transaction fees apply to most accounts

How to choose the best travel prepaid card for India?

There’s no single best travel prepaid card for India - it’ll come down to your personal preference. If you hold a Monese Classic or Premium account already it’s good to know that the 2% foreign transaction fee is waived, which means you get the card network rate when you spend in India. This may be cheaper than using your regular bank card. The Post Office card can also be an option if you’re simply looking for an alternative to your normal bank card when you’re in India, plus you can get a card instantly by walking into a Post Office branch.

Is there a spending limit with a prepaid card in India?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Barclaycard Rewards Visa

With the Barclaycard Rewards Visa card, there are no international ATM or foreign transaction fees. Instead, your overseas expenses are converted to pounds at the Visa exchange rate and added to your monthly statement. To avoid fees and interest, you’ll need to repay your balance in full each month, but as a bonus you can earn cashback on your everyday expenditures.

No foreign transaction or foreign ATM fee

Earn cashback at 0.25% on spending

Protection on purchases over 100 GBP

International spending uses the Visa exchange rate

Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which you can see when you check your eligibility for the card. There’s no foreign transaction or foreign ATM fee to pay, and all currency conversion uses the Mastercard exchange rate.

Variable interest rates

Check your eligibility and order a card online easily

No foreign transaction fee

No ATM fee - but interest will accrue instantly when you make a withdrawal

Mastercard exchange rates apply

Pros and cons of using credit cards in India

Spending more than 100 GBP covered by additional consumer protection

Option to pay for travel expenses over multiple months

Check card eligibility online without affecting your credit score

Potentially no foreign transaction or ATM fees

Network exchange rates usually apply, which are usually pretty fair

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for India?

The best travel credit card for India will depend on your personal preferences. If you’re interested in earning rewards and cash back on your overseas spending, the Barclaycard Rewards Visa might be a good pick, as it has no foreign transaction fee and offers cashback on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you’re planning to travel to India you might want to pick a travel money card for while you’re away. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

Not all travel cards support INR, so you’ll need to check out the fees and features of a few to pick the right one for you. For example, you could opt for a low cost travel debit card which can hold a selection of currencies including INR - like the Wise account. Or you might prefer a prepaid travel money card like the Monese card which can be linked to either a fee free account or an account which has monthly fees in exchange for lower transaction charges. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

The good news is that the UK market is well served for all types of travel money cards - use this guide to start your research and pick the right option for your specific needs.

FAQ - Best travel cards for India

You can usually make cash withdrawals with a credit card in India at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals in INR.

You can normally use your debit card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in India, making these good options to look out for when you pick your travel debit card for India.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

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5 Best Travel Cards for India

Getting an international travel card before you travel to India can make it cheaper and more convenient when you spend in Indian Rupee. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to INR for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to India, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for India:

Let's kick off our roundup of the best travel cards for India with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to India.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in India. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to India or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in INR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in INR when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in India, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in India with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to INR instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in India and globally. Monzo accounts are designed for holding USD only - but you can spend in INR and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in India. While these cards don’t usually let you hold a balance in INR, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to India or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to India. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for India

We've picked out 5 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for India include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in INR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for India

The best travel debit card for India really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in INR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for India. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

When you head off to India you can expect to find you’ll be able to use your card - but not always. Some merchants still prefer cash payments, especially in smaller villages - so choosing a card which is easy to pay with, but which also has simple and low cost ways to make ATM withdrawals should mean you’re covered no matter what happens

Ways to pay in India

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In India card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use INR?

You’ll find that INR can only be used in India. If you don’t travel to India frequently it’s worth thinking carefully about how much to exchange so you’re not left with extra foreign currency after your trip. Or pick a travel card from a provider like Wise or Revolut which lets you leave your money in USD and convert at the point of payment with no penalty.

What should you be aware of when travelling to India

You’re sure to have a great time in India - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to India before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to INR before you travel to India if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to INR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach India to make an ATM withdrawal in INR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for India

Ultimately the best travel card for your trip to India will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for India

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in India.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / INR rate to calculate how much Indian Rupee you would receive when exchanging / spending $4,000 USD. The card provider offering the most INR is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

The 5 best travel money cards for india in 2024.

India is a large and mesmerising country that is rarely seen in one visit. Australians love travelling to India for its delicious food, cultural sites and difference in lifestyles.

In India you are likely to pay for accommodation, food, transport and entertainment as well as withdraw cash from ATMs with your card. So which is the best travel card to take with you?

It's easy, to save you lots of time, we have compared a large number of the best cash cards for overseas travel in 2024 and have summarised their best points.

Best 5 Travel Money Cards for India in 2024:

• Wise Multi Currency Card for best exchange rates
• Revolut Travel Card as the best all rounder
• HSBC Global Everyday Debit Card for ATM cash withdrawals
• Bankwest Breeze Platinum Credit Card for lowest interest rate
• ING One Low Rate Credit Card with no annual fee

Wise Multi Currency Prepaid Card - Best Exchange Rates

Best features.

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Read our Wise Travel Card Review

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is an excellent option for those eager to experience India. It offers over 40 currencies at the intermarket exchange rate, which is the cheapest rate globally. In addition you can buy goods online from overseas with no transaction fee plus get the best exchange rate. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

HSBC Everyday Global Travel Card - Best Travel Card by Bank

• Great exchange rate offered for Indian rupee (INR)
• No fees at HSBC ATMs in India to withdraw rupee
• No initial card, closure, account keeping or monthly fees
• No cross currency conversion fees

HSBC Everyday Global Travel Card

• 10 Currencies can be loaded are USD, AUD, EUR, GBP, CAD, JPY, NZD, SGD, INR and CNY (currency restrictions on CNY)
• No maximum balance for any currency
• Very competitive exchange rates on all currencies when you have currencies already loaded on your card
• ATMs within Australia need to be HSBC and overseas they need to display a VISA or VISA Plus logo, not be be charged fees
• Earn 2% cash back when you tap and pay with payWave, Apple Pay or Google Pay for purchases under $100.
• Daily maximum ATM withdrawal is $2,000
• Fraud protection covered by Visa Zero Liability

The HSBC Everyday Global Debit Card is an excellent option to take travelling to India and to spend money in Australia with no international transaction fees, international ATM fees and monthly fees.

HSBC has branches and ATMS is India so you can avoid the nasty numerous ATM fees. In addition there is no maximum balance on currencies held and a 2% cash back incentive when you tap and pay under $100.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance
• Can be used wherever Mastercard is accepted

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout India.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in India.

ING One Low Rate Credit Card - No Annual Fee

• No annual fee
• Up to 45 days interest free on purchases
• Lowest cash advance interest rate of 11.99%
• Use instalment plans to pay off your purchases over time at a lower interest rate

ING One Low Rate Credit Card

• 11.99% interest rate on purchases
• Make payments from your mobile with pay with Apple Pay and Google Pay
• International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
• Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card is a great option to take to India as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through India.

Learn more about the best credit, debit and prepaid cards for travel

Credit Card

Best Prepaid Travel Cards

The best way to take holiday money to India is through a Wise Multi Currency card, which offers the best exchange rate for Indian rupee, a Citibank Plus Everyday or HSBC Global card for ATM withdrawals and the BankWest Platinum Breeze or ING One Low Rate cards for credit purchases.

No you shouldn't get Indian rupee before travelling to India, as non-residents are not allowed to bring or take Indian rupee in or out of India. It is considered a ‘closed currency’. Indian residents are allowed to bring in 25,000 Indian rupee into India, which is approximately $450.

Yes, the Wise Multi Currency card can be used in India and it offers the best exchange rate on the market and no international transaction fees. All other prepaid currency cards in Australia do not offer Indian rupee including Australia Post, Travelex, Travel Money Oz, Commonwealth bank, Westpac and Qantas.

You can use your Australian debit card in India and to avoid large fees we advise you to use the Citibank Plus Everyday or HSBC Global debit cards. You can use both debit cards in Australia and India at ATMs without paying 3 types of different ATM fees.

ATMs from Citibank , HSBC , SBI, Axis, HDFC, IDBI, ICICI, Kotak Mahindra and Yes Bank are all banks in India that accept international credit cards. Not all banks accept international cards so you need to look for the Mastercard or Visa logo at the ATM.

The maximum amount per withdrawal is 10,000 Indian rupee or roughly $180. The maximum daily withdrawal amount is 40,000 Indian rupee or roughly $720. It's important to withdraw as much as possible per ATM withdrawal in India to reduce the fees.

Yes you can use a Visa debit card in India wherever the Visa logo is shown. Be aware not all ATMs accept international cards, so you need to look for the Visa logo. In tourist areas Visa is readily accepted however in rural areas, Visa is less accepted and you are advised to take Indian rupee with you.

No you can not use Australian dollars or US dollars in India. The currency of India is Indian rupee. It is recognised in shops with the letters ₹ before the numerals, for example ₹50.  There are 6 banknotes each with a different colour.

More Travel Card Guides

Learn more about the best travel money cards for your holiday destination.

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Earn Rewards When You Travel with Standard Chartered Travel Credit Cards

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Travel credit cards

From cashback offers on duty-free spends to complimentary lounge passes, a travel credit card sets you up to fly with the best travelling experience possible, every time!

Benefits of Travel Credit Cards

You’re not going to miss out on shopping at the duty-free stores, so why not get a little something every time you do? The best travel credit cards are the ones that give you the most benefits, and Standard Chartered has quite a few of those. The SC Ultimate credit card lets you enjoy 5%* cashback on duty free shopping too so go ahead, splurge a little!

Travel credit cards can also get you good rewards. SC’s Ultimate credit card lets you earn 5 reward points on every INR 150 you spend, with 1 reward point being equal to 1 INR in value.

This benefit is pretty exciting too, as far as travel credit card offers go. The Standard Chartered Ultimate card offers 5%* cashback on all duty-free purchases, a benefit ranking right on top with the other favorite features for SC credit cards.

Lounge access

Access to airport lounges is perhaps a top favorite of all the travel card benefits available. The Ultimate credit card offers a complimentary Priority Pass membership granting you access* to over 1000 exclusive airports lounges across the world. You can also avail 2 complimentary Priority Passes for Domestic and International airport lounges every month on spend over INR 20,000 in a month.

Explore Cards offering Travel Benefits and compare their features

For most of us, travelling isn’t just about getting from one place to another; it’s about the experience, the journey as much as the destination itself. This is why travel credit cards are so popular these days. Standard Chartered travel credit cards offer the best benefits available in the market. Here’s an in-depth view into some of these benefits –

The Ultimate credit card

If you like to travel frequently then the Ultimate credit card will prove most convenient for you. It comes with an incredibly low foreign exchange markup fee of 2%* on overseas transactions and can complement your premium lifestyle perfectly. With this card in hand, you can enjoy rewards on travel expenditure and fine dining, as well as access to multiple airport lounges and golf courses across the world. The fact that it offers the highest reward value of 3.33% on all your spends certainly doesn’t hurt either!

The Visa Infinite credit card

Our Priority Banking customers can avail of exclusive, personalised services with the Priority Visa Infinite credit card, as a token of our appreciation for your continued support and relationship with us. Privileges also include a complimentary overseas air accident insurance cover of INR 1.2 crore as well as medical insurance benefits for your protection.

Documents Required to Apply for Travel Credit Card

The online application process for a Standard Chartered credit card is pretty straightforward. You will require a few basic documents which include:

• Passport size photographs (must be recent)
• Document showing proof of identity
• Document showing proof of address
• For salaried persons – previous month’s salary slip
• For self-employed persons – previous year’s ITR with computation of income/Last Business Continuity Proof

Proof of address includes –

• Driving license
• Passport copy
• Voter Id card
• Aadhaar card

For proof of identity you can use the same documents with the additional possibility of a PAN card.

Travel Credit Card FAQs

What type of travel privileges can my credit card provide?

Standard Chartered travel credit cards offer a wide array of complimentary features and benefits. Indulge yourself with airport lounge access, reward points for every purchase, fabulous cashback offers on duty free shopping and discounts on flight tickets bought on specific sites. You can even benefit from our complimentary travel insurance.

What makes credit cards worth it for travelers?

Travelling comfortably can be an unnecessarily expensive affair. This is why the best travel credit cards are ones that are designed to give you the elite travelling experience while going easy on your pocket.  There are also cashback offers, discounts on hotels as well as flight tickets and even complimentary overseas insurance coverage. The Ultimate credit card also offers a low foreign exchange markup fee of 2% on overseas transactions.

Imagine your flight is postponed, or you are stepping out after a really long plane trip to connect to your next. Nothing can help refresh your spirits better than those plush recliners, serene spaces, spas, assorted beverages and fine dining at most Priority Pass airport lounges. Your travel credit card is your mode of access into these places and you are free to relax, get work done or even freshen up before you continue on your journey.

What credit score is needed for a travel credit card?

Credit card scores tend to be higher for clients with a reputation of handling their credit responsibly and paying their bills on time. If your score is good, you are more likely to get approved by credit card companies for availing their premium travel credit cards.

How does a travel credit card work?

You do not have to be a frequent traveller to appreciate how much a travel credit card can enrich your travelling experience abroad or even within the country. The travel credit card comes with varied benefits, even as they help you make the most out of your money. Some of these benefits include:-

Cashback on duty-free spends – Let nothing hold you back from splurging at duty-free stores with the cashback deals on our travel credit cards. The Ultimate credit card, for example, will get you 5% cashback up to INR 1000 per month on your duty free spends. Shopping with our Ultimate credit card at these shops will get you 5% cashback too.

Complimentary overseas insurance – Your safety is our concern as well, and that is why we offer complimentary overseas air accident coverage of 1 – 1.2 crore with both our Ultimate credit card and our Priority Infinite Visa credit card.

Airport lounge access – The Ultimate and Priority Visa Infinite credit card also provide complimentary airport lounge access. Enjoy the perfect opportunity to relax and unwind after a particularly long or trying flight, away from the hustle and bustle of the airport, and indulge in fine dining and luxury facilities too.

How can I use my credit card for free travel?

You can travel for free by simply following a few basic steps with your credit card:

• Start by applying for the right travel credit card. Choose one that gives you the maximum reward points so that you can earn enough points to make the trip you want.
• Use your credit card regularly for all future purchases to continue earning points!

What is VKYC?

VKYC, or simply Video KYC, is a feature that allows you to complete your KYC through a video from the comfort of your home while applying online for a Standard Chartered credit card, personal loan, or savings account. With this feature, our application process becomes even more simpler and completely contactless. Click here to learn more.

Best prepaid travel card in India in 2024

In today's globalized world, businesses have become increasingly international, leading to more and more employees traveling overseas for work-related purposes.

As a result, companies need to provide their employees with secure and convenient payment options during their travels.  Prepaid cards  have emerged as a popular payment option for business travelers, as they allow for easy and secure transactions without the need for cash or credit cards.

In India, there are numerous prepaid travel card options available for businesses, each with its own unique features and benefits. However, choosing the best prepaid travel card out of this lot is no easy task.

What is a prepaid travel card?

A prepaid travel card is a financial tool specifically designed for travelers. It functions like a debit card but is preloaded with a fixed amount before the journey. Users can load multiple currencies, providing flexibility for international travel.

Offering the convenience of card payments and ATM withdrawals, it eliminates the need for carrying large sums of cash.

With features such as real-time transaction monitoring and customization options, prepaid travel cards enhance financial control and security during trips, making them a preferred choice for individuals and businesses alike.

10 Best prepaid travel cards in India

1. volopay prepaid card.

Volopay business prepaid cards  offer an excellent tool that can be used to easily manage travel expenses. You can hold and transact with multiple different currencies using Volopay cards.

These cards are premium payment tools that come with a variety of features to help manage travel expenses. These include in-built spending limits, multi-level spend approval workflows, real-time expense tracking, as well as bank-grade security features.

Additionally, Volopay cards are extremely easy to use and manage.

2. HDFC prepaid cards

HDFC offers a wide range of prepaid cards that are ideal for business travelers. These cards can be used for international travel, online purchases, and cash withdrawals.

The HDFC prepaid cards come with several benefits, including zero liability on lost or stolen cards, emergency cash assistance, and free insurance coverage.

3. Axis Bank

Axis Bank is a popular choice for the best prepaid travel card in India. They provide two different types of prepaid cards: the Multi-Currency Forex Card and the Travel Currency Card.

The Multi-Currency Forex Card is a convenient choice for frequent travelers to different countries as it can hold up to 16 different currencies on a single card.

On the other hand, the Travel Currency Card is a suitable option for people who visit a single country frequently and need to load a specific currency.

4. SBI business debit card

The SBI business debit card is a prepaid card that best caters to the needs of small and medium-sized businesses. It enables users to make purchases and withdraw cash from ATMs located across India.

The card is equipped with various perks, such as cashback incentives, complimentary accidental death insurance, and protection on online purchases.

5. YES Bank prepaid cards

YES Bank offers prepaid cards that are suitable for businesses of all sizes. These cards can be used for online purchases, in-store purchases, and cash withdrawals.

The YES Bank prepaid cards come with a host of features, including personalized limits, SMS alerts, and free insurance coverage.

6. IndusInd Bank Multi-currency Forex Card

The IndusInd Bank Multi-currency Forex Card is a prepaid multi-currency travel card that can be loaded with as many as 14 currencies.

It is widely accepted at over 2 million ATMs and merchants worldwide that are enabled with Mastercard. This card offers several advantages, such as emergency cash assistance, a free replacement card in case of loss, and zero liability for fraudulent transactions.

7. ICICI Bank

ICICI Bank provides two varieties of prepaid multi-currency travel card for business purposes - the Multi Wallet Card and the Reimbursement Card. The Multi Wallet Card permits users to load up to 15 different currencies on one card, which is useful for individuals who travel frequently.

The Reimbursement Card is intended to make the reimbursement process easier for businesses by enabling employees to directly submit their expenses on the card.

8. Bank of Baroda Travel Card

The Bank of Baroda Travel Card is one of the best prepaid travel card in India and can be loaded with up to 16 currencies. It is accepted by over 34 million Mastercard-enabled merchants worldwide.

The card comes with several benefits, including free insurance coverage, emergency cash assistance, and zero liability on fraudulent transactions.

9. RuPay prepaid cards

RuPay prepaid cards are a convenient and cost-effective option for businesses that need to manage their expenses effectively. These cards can be used for online purchases, in-store purchases, and cash withdrawals across India.

RuPay prepaid cards come with several benefits, including lower transaction fees, faster processing times, and higher levels of security.

10. Happay World Travel Card

Happay World Travel Card is a prepaid card designed specifically for business travelers. It allows users to load up to 25 currencies and comes with several benefits, including free insurance coverage, real-time transaction tracking, and multi-level security features.

Prepaid cards to streamline your travel expense management

How to apply for a corporate prepaid travel card, 1. research and compare.

Before diving into the application process, thorough research and comparison of different corporate prepaid travel card providers are essential.

Consider factors such as fees, exchange rates, global acceptance, and additional features like expense tracking and reporting. This step lays the foundation for choosing a card that aligns with the company's specific needs and financial objectives.

2. Contact the provider

Once a suitable provider is identified, the next step involves reaching out to them. This initial contact allows for a detailed discussion of the features, terms, and conditions of the corporate prepaid travel card program.

It also provides an opportunity to clarify any queries and gain a comprehensive understanding of the application process.

3. Gather the required documents

To streamline the application process, gather all the necessary documents. Typically, this includes corporate identification documents, proof of business registration, and details of authorized signatories.

Ensuring that all required paperwork is in order accelerates the subsequent stages of the application.

4. Complete the application form

Most of the best prepaid travel card providers offer an online application form for corporate prepaid travel cards. The form typically requires information about the company, its employees, and the desired features of the cards.

Completing this form accurately and comprehensively ensures a smooth transition to the next phase of the application process.

5. Verification process

Once the application is submitted, the provider initiates a verification process. This step involves validating the information provided, checking the authenticity of the documents, and ensuring compliance with regulatory requirements.

The thoroughness of this verification process contributes to the security and reliability of the corporate prepaid travel card program.

6. Add funds to the card

After successful verification, it's time to load funds onto the corporate prepaid travel cards. The company decides the initial load amount for each card, taking into account anticipated expenses.

The flexibility to add funds as needed allows for dynamic budget management during corporate travels.

7. Customize card features

Many providers offer customization options for corporate prepaid travel cards. This includes setting spending limits, defining transaction categories, and tailoring features to align with company policies.

Taking advantage of these customization options ensures that the cards are optimized to meet the specific needs and financial controls of the organization.

8. Activate the cards

Once funds are loaded and features are customized, the corporate prepaid travel cards need to be activated. This step may involve individual card activation by the employees or a centralized activation process facilitated by the company's administrator.

Activation marks the readiness of the cards for use during business travels.

9. Distribute the cards

With the cards activated, the next step is distribution to the intended users within the organization.

Clear communication about the distribution process, along with any guidelines for card usage, enhances employee understanding and encourages responsible spending behavior.

10. Training and support

To maximize the benefits of the corporate prepaid travel card program, providing training and ongoing support is crucial. Conduct training sessions to educate employees on how to use the cards, access transaction details, and adhere to company policies.

Additionally, having a dedicated support system ensures quick resolution of any issues or concerns that may arise during the usage of the cards.

11. Regular monitoring

The final step in the application process is establishing a system for regular monitoring of card activities. Implementing tools for real-time expense tracking, generating detailed reports, and conducting periodic audits contribute to efficient financial management.

Regular monitoring also allows the company to identify any discrepancies or potential misuse promptly.

How do Volopay prepaid cards help your organization?

1. streamlined expense management.

Volopay prepaid cards offer a user-friendly tool that allows employers to maintain constant control and monitor employee spending in real time. This feature helps businesses  keep track of expenses  and manage their budgets more efficiently.

2. Enhanced security

Volopay prepaid cards come with highly secure, bank-grade security features, including two-factor authentication,  approval workflows , and real-time transaction alerts.

This feature ensures that only authorized employees can use the card and that businesses are protected against fraudulent transactions.

3. Convenience

Volopay prepaid cards can be accessed easily and used for all sorts of online and store payments, making it a convenient payment option for businesses.

In fact, you can issue  unlimited virtual Volopay cards  at no added cost and use them for various purposes.

4. Better record keeping

Transactions made with Volopay prepaid cards are recorded instantly. Detailed transaction records are made available that can be easily downloaded and reconciled with accounting systems.

This feature ensures that businesses can keep accurate records of their expenses and reduces the risk of errors.

5. Better spend control

Volopay prepaid cards come with a predetermined spending limit feature that aids in preventing overspending and keeping expenses within the set budget.

Additionally, the card only needs to be loaded with the required amount, reducing the risk of overspending or unauthorized expenses.

6. No debt accumulation

Unlike credit cards, Volopay prepaid cards do not amass debt. This characteristic feature ensures that businesses do not have to be concerned about interest charges, late fees, or other similar expenses.

7. Better rewards

Volopay prepaid cards provide attractive rewards, such as partnership benefits, travel insurance, and much more. This aspect is particularly beneficial for global travelers who can enjoy these perks while on the move.

8. No need for credit check

Volopay prepaid cards do not require a mandatory credit check. This makes them an accessible payment option for businesses that may not have a particularly healthy credit history.

9. Unlimited virtual prepaid cards

With Volopay you can issue an unlimited number of  virtual prepaid cards  at no additional charges whatsoever. These cards can be used for a large variety of purposes including subscription management cards, gift cards, travel cards, burner cards, vendor payment cards and so much more. This makes Volopay one of the best prepaid travel card providers in India.

Make corporate travel management easier than ever before

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Travel Credit Card: How to apply for a Travel Credit Card in India

3 min read Feb 23, 2024

India's tourism industry is experiencing a significant boom, with more people seeking responsible and cost-effective travel experiences. To make smart travel choices, many individuals are opting for travel Credit Cards. These cards offer discounts, reward points, cashback, and other benefits on travel expenses.

In this article, we will explore the potential of travel Credit Cards in India and explain how to maximise the benefits of a budget-friendly holiday. 

What is a Travel Credit Card?

A travel Credit Card is specifically designed to cater to the needs of frequent travellers. It offers various benefits, such as discounts, reward points, and cashback on travel-related expenses. These cards also provide additional perks, like lounge access and travel insurance.

Travel Credit Card: Features and benefits

• Reward points  One of the key features of the best travel Credit Card would be the ability to earn reward points on every transaction. These reward points can be accumulated and redeemed for various travel-related expenses such as flight tickets, hotel bookings, or even vacation packages.
• Flight ticket benefits  With a travel Credit Card, you can avail of discounts or cashback on flight ticket bookings.
• Lounge access benefits Many premium Travel Credit Cards offer complimentary access to airport lounges. This perk allows you to relax in comfort before your flight and enjoy amenities such as food and beverages, WiFi connectivity, and comfortable seating areas.
• Fuel purchase benefits Certain Travel Credit Cards provide fuel surcharge waivers or cashback on fuel purchases. This benefit can help you save money on your regular fuel expenses.
• Membership benefits Some Travel Credit Cards offer exclusive memberships to loyalty programmes or clubs. These memberships provide access to additional benefits such as priority boarding, extra baggage allowance, or even hotel upgrades.
• Hotel booking benefits Similar to flight ticket benefits, Travel Credit Cards may provide discounts or cashback on hotel bookings.
• Insurance benefits Travel Credit Cards often include travel insurance coverage for emergencies or trip cancellations. This insurance can provide financial protection and peace of mind while travelling.
• Additional benefits Apart from the mentioned benefits, Travel Credit Cards may offer additional perks such as dining privileges at partner restaurants, concierge services for personalised assistance during your trip, and special offers on travel packages. These features enhance the overall value and experience of using a Travel Credit Card.

Eligibility criteria for travel Credit Card

To be eligible for a travel Credit Card in India, you typically need to meet certain criteria as per your bank.

• Age: 21 years
• Income: ₹3 lakh per annum
• Credit score: 750+

Documentation for travel Credit Card

You can apply for a travel Credit Card in India online. Here are the different documents that you will need:

• Identity proof: Passport, Aadhaar card, PAN card, driving license or voter ID
• Address proof: Utility bills, bank statements or rental agreement
• Salaried individuals: Latest salary slips or Form 16
• Self-Employed Individuals: Latest Income Tax Returns (ITRs) with proof of income computation
• Duly filled application form Carefully complete the Credit Card application form with accurate and up-to-date information
• Bank statement Submit bank statements reflecting your income and financial stability (may vary depending on the bank) 

How to apply for a travel Credit Card?

Banks and financial institutions like Axis Bank allow you to buy travel Credit Card online. Here is a step-by-step guide to applying for your travel Credit Card:

Step 1. Check eligibility

• Age:  Most banks require applicants to be over 21 years old.
• Income:  Meet the minimum income threshold set by the bank for your desired card.
• Credit Score: Aim for a good credit score (750+) for better approval chances.
• Employment: Salaried or self-employed individuals with stable incomes are preferred.

Step 2. Card selection

• Travel style:  Analyse your travel frequency, destinations, and spending patterns.
• Benefits:  Compare reward programmes, airport lounge access, travel insurance, and other perks.
• Fees:  Understand annual fees, foreign currency markup charges, and late payment penalties.

Step 3. Online application

• Visit the bank's website or download their app.
• Select the desired Travel Credit Card and initiate the application process.
• Fill out the form accurately with personal and financial details.

Step 4. Document submission

• Gather the required documents
• Upload scanned copies or submit photocopies in person, if required.
• Ensure all documents are valid, recent, and complete.

Step 5. Application review

• The bank will assess your application based on the eligibility criteria and submitted documents.
• This process may take a few days to a week. 

Step 6. Approval

Upon successful review, you'll receive a notification of approval. Congratulations! You're one step closer to travel adventures.

Step 7. Card delivery

The bank will dispatch your personalised credit card within a stipulated timeframe. Activate your card as per the bank's instructions.

Step 8. Enjoy the benefits

Start using your Travel Credit Card wisely, maximising rewards and benefits. Remember responsible spending and timely payments are crucial.

 Also Read: Navigating Credit Cards features and benefits

Wrapping up

Choosing the right Travel Credit Card is essential for maximising benefits and enjoying a budget-friendly holiday. You should consider factors such as annual fees, rewards programmes, foreign transaction costs, and additional perks like lounge access and insurance coverage. Evaluate your spending habits and preferences to align the card with your needs. With the right card in hand, you can make every journey more rewarding.

Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.

Enjoy mouth-watering meals and delectable deals on your Credit Cards

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Visa-Free Travel and Smart Card Tips for Indian Jetsetters in 2024

Curated By : Lifestyle Desk

Last Updated: January 04, 2024, 07:49 IST

New Delhi, India

Visit Rishikesh and Haridwar if you want a spiritual start to the year.

Indian traveler is now widely sought after by many countries, some of whom have rolled out the red carpet by offering visa-free travel to Indian passport holders

2023 saw international travel across most parts of the world rebound strongly. With a fast-growing economy, increased disposable income, and a keen enthusiasm to explore and experience the world, the Indian traveler is now widely sought after by many countries, some of whom have rolled out the red carpet by offering visa-free travel to Indian passport holders. This is great news for last minute holiday planners who can choose from options like Sri Lanka, Thailand, Malaysia, Vietnam, and Nepal, among others, to visit without having to get a travel visa, as long as they have the essential passport (valid for at least six months beyond the planned departure date), a valid return ticket, accommodation bookings and travel insurance.

The aforesaid countries also accept card payments, which further enhance the travel experience, making it hassle-free, safe and convenient. According to a recent survey conducted by Visa, the global leader in digital payments, 95% of Indian travelers said they intended to use their credit, debit or travel prepaid cards for payments at international travel destinations. Sridhar Keppurengan, Business Head, Cross Border Payments, India and South Asia, Visa, shares a few insights on how to make the most of credit cards in your international travels.

• Enable your card for “International” transactions Do remember to enable your credit/debit card or even your travel prepaid card for international transactions. Specifically, enable the “International/ Online” feature for hotel and cab bookings before and during the trip, and the “International/POS and Contactless” option for shopping, dining and other card payments during the trip.
• Look for travel promotions offered by your card Cards typically offer travel-related benefits, either in the form of free lounge access, discounts on flight bookings, travel insurance, car rentals, and entertainment options at your destination. These offers come in handy and enable you to go the extra mile, literally.
• Ensure your “Card limit” is fully available for use Make sure to have enough credit limit to cover most of the trip expenses. Many of us do not actively monitor the remaining limits for the month, so it’s a good idea to pay off your credit card bills before traveling to ensure the limit is fully available or prepay as you spend during the trip. Alternatively, you can request a card upgrade or a limit increase from your bank.
• Forex markup rates vs. Rewards While cards in general offer favorable currency conversion rates compared to currency exchanges, some cards offer lower forex markup fees in lieu of rewards, while others do not offer discounted forex markup fees, but provide generous rewards on international travel spends. Make your choice based on what works for you.
• Tokenisation – Tap to pay using your phone One has much to carry during a trip, and your smartphone can reduce the need to pull out your wallet as often. Tokenisation is currently available for Android phones in India, where your cards can be stored securely on high-end smartphones and wearables. At many countries, you can simply unlock your phone and tap it at a merchant’s point-of-sale (POS) device, or even at a Metro/Bus/Train gate or payment terminal to take a ride.
• Pay in destination currency Merchants and ATMs often give tourists the choice to complete a transaction in the destination currency or simplify it by displaying it in the tourist’s familiar home currency. However, cardholders must remember that the latter may come with an additional fee. Unless this is a feature you really prefer, you could opt to pay in the foreign currency.
• Remember, the card is always in your “Control” One of the most compelling features of the Reserve Bank mandated card controls is just that – Offering cardholders greater “Control” over their cards! You can turn on or switch off card features as well as set spend and transaction limits on your mobile banking apps, thus adding extra layers of safety and security to your transactions.

The digital payment’s Global Travel Intentions survey revealed that Indian travelers cited relaxation and the desire to explore and learn something new as key motivators for cross border travel. However, anxieties related to cash payments or handling foreign currencies are common concerns among travelers visiting a new country. Card payments are a great way to allay these anxieties, so vacations can truly be what they are desired to be – Relaxing and Rejuvenating!

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Smart Cards

A Smart Card in size and shape is like your normal Credit Card but its inside is altogether different. There is an embedded microprocessor inside. As compared to the magnetic strip technology the microprocessor on the smart card provides added security. In a Smart Card setup, the host computer and the card reader in essence talks to the microprocessor with the microprocessor providing access to the data on the card. Though the microprocessor embedded Smart Cards are very popular but there exists other variants too. They are memory cards and contactless cards.

Industry has long recognized its immense potential but its extensive use has been a comparatively recent phenomenon. The lead taken by the banking sector for various applications including online transactions and the fledgling health care industry for issuing health insurance cards. Keeping in view the immense potential of Smart card Technology, under the aegis of Department of Information Technology (DIT), development projects have been formulated and initiated to provide thrust to R&D, industrial activity and applications in this field. National Informatics Center worked along with other agencies to implement a Smart Card Operating Systems Standards, which is named Smart Card Operating System for Transport applications or SCOSTA in short. The same has been adopted by MoRT & H (Ministry of Road Transport and Highways) as a standard for Transport applications in the country. DIT has also supported a project on "Multi Application Smart Card Based Payment System" at IIT, Mumbai and IDRBT, Hyderabad. Some of the other projects currently underway include:

Next Generation Multi Application Smart Card Operating System

A project is currently underway at IIT, Kanpur and SCL, S.A.S. Nagar, Punjab for design and development of Next Generation Multi Application Smart Card Operating System Implementations for SCOSTA .Primarily the objectives of this project are enhancing of the SCOSTA Specifications, Reference Implementation, Compliance Test Kit and other associated tools to incorporate Contact-less interface, PKI and other requirements for catering to multi applications like projects on National ID and Micro e-Purse. The Contact less interface and PKI enhancements have already been developed and are being tested in application environment. The project is almost on the verge of completion.

Smart Card Readers and Terminal Standards

The main objectives of the Smart Card Readers and Terminal Standards being developed at IIT, Kanpur are to establish continuity with  SCOSTA Card definitions and develop smart card terminal and reader specifications for the hardware and Operating System, including the standardized methods of programming to support  SCOSTA based applications. The specifications have already been defined and reference implementation of terminal and reader developed. Terminal and reader is now being tested in an application environment for gauging its user-readiness.

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Select > Card Genie > Cards by Privilege > Travel

Best Travel Credit Cards in India 2023

👊 genie knows no compromises.

Select has got a card that suits your style. Check out these best picks for Travel Credit Cards.

IDFC FIRST Bank Select (4.8) Full Details

Reward Point Value

Joining Fee

Annual Percentage Rate

Dining Benefit

Discount of up to  20% on dining  at participating restaurants.

Travel Benefit

• Enjoy up to 4 free lounge visits per quarter at selected domestic airports in India and 4 complimentary railway lounge access.
• Complimentary roadside assistance worth ₹1,399.

Entertainment Benefit

• Get a  Buy 1 Get 1 offer  on  movie ticket  bookings on PayTM app.
• Up to  2 complimentary movie  tickets worth  ₹250  each  per month

Concierge Services

• Exclusive 24/7 Concierge Services to book flights, dining and other activities.
• Phone No: 1860 258 2000 (India) 
• Email ID: [email protected]

Other Benefit

Up to 15% discount at 3000+ Health & Wellness outlets.

Milestone Benefit

10X Reward Points on incremental purchases greater than ₹25,000 per billing cycle.

Welcome Bonus

Gift voucher worth ₹500 after spending ₹5,000 or more within 30 days of card issuance.

5% cashback  up to ₹1,000  on EMI transactions within the first 90 days .

Insurance Benefit

Insurance cover for:

• Air Accident Cover - ₹1 Crore
• Travel - ₹22,500  
• Accident Cover - ₹5,00,000
• Lost Card Liability - ₹50,000

Note-  All these insurance benefits are subject to the bank’s criteria.

Fuel Surcharge

1% surcharge waiver on fuel transactions at petrol pumps across India, with a maximum discount of ₹300.

Reward Points

• 10X reward points on expenses over   ₹25,000.
• 10X reward points on transactions made on your birthday.
• 6X reward points on your online purchases.
• 3X reward points on every offline expense.
• 1X = 1 reward points per ₹125 spent.
• Reward Rate = 0.6% to 2%

Club Vistara IDFC FIRST Bank (4.8) Full Details

5 Free Premium Economy Ticket Vouchers every anniversary year on crossing spend milestones of:

• ₹1,50,000 - 1st  Ticket Voucher
• ₹3,00,000 - 2nd Ticket Voucher
• ₹4,50,000 - 3rd Ticket Voucher
• ₹9,00,000 - 4th Ticket Voucher
• ₹12,00,000 - 5th Ticket Voucher
• CFAR Trip Cancellation Cover – With the Cancel For Any Reason trip cancellation cover, you can get a refund of up to ₹10,000 on cancelling your flight and hotel bookings made with the card, on 2 cancellations per year.
• Air accident insurance cover – ₹1 Crore
• Personal Accident cover – ₹10 Lakhs
• Lost card liability cover – ₹50,000
• Cover for check-in baggage loss, delay of check-in baggage, flight delay, loss of travel documents – USD 1200
• 6 CV Points on spends up to ₹1 Lakh in each statement cycle
• 4 CV Points on spends above ₹1 Lakh in each statement cycle
• 10 CV Points on all dining spends on your Birthday
• 1 CV Point on every spend done on Fuel, Insurance, Utility, Rent & Wallet Load
• Each CV Point is earned on a spend of ₹200
• CV Points are not applicable on EMI Transactions & Cash Withdrawal
• Reward Rate:  0.8% to 4%
• Get 1 free Premium Economy Ticket Voucher
• Continued access to Club Vistara Silver Membership
• Enjoy 12 free golf lessons and 4 free rounds of golf every year
• Get 1 Free Premium Economy Ticket Voucher.
• Buy a premium economy ticket and travel business class with a One Class Upgrade Voucher.
• Get direct entry to Club Vistara Silver Membership.
• Enjoy EazyDiner Prime membership: Free for 3 months.
• Enjoy BQ Prime subscription : Free for 3 months.
• Get 2000 CV Points in the first 3 billing cycles on minimum spend of ₹30000 per month.

₹10,000 coverage on cancellations of flight and hotel bookings (up to 2 claims a year).

Lounge Access

• 12 free visits to domestic airport lounges and spas per year.
• 1 free visit to international airport lounge per quarter.
• Lounge visits activated on minimum monthly spends of  ₹5000.
• List of domestic airport lounges & Spas
• List of international airport lounges

Interest-Free Period

Interest-free cash withdrawals across ATMs globally (up to 48 days)

HDFC Bank Infinia Metal Edition (4.7) Full Details

• Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
• Benefit also available for add on Priority Pass holders.

Up to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

• Book stay for 3-nights and pay for two at participating ITC hotels. 
• 1+1 complimentary buffet at participating ITC hotels.
• Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay.
• 12,500 reward points upon fee realisation and card activation.

You can redeem your Reward Points on Smartbuy or Netbanking.

Reward Points can be redeemed for:

• Flight and Hotel Bookings via Smartbuy at a value of 1 RP = ₹ 1.
• Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = ₹ 1.
• Airmiles conversion through net banking at a value of 1RP = 1 air mile.
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to ₹ 0.50.
• Cashback at a value of 1 RP = ₹ 0.30.
• Reward Rate-  3.3%
• Accidental Air Death cover worth ₹3 Crore.
• Emergency overseas hospitalization up to ₹50 lakhs in case of emergency.
• Credit Shield Cover for upto 9 lakhs.
• The HDFC Bank Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
• Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
• Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India.

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000.

Axis Bank Reserve (4.7) Full Details

• Counterfeit/lost card liability upto credit limit.
• Purchase protection: ₹ 2 Lakhs.
• Loss/Delay in baggage & Personal Documents : 500 USD.
• Credit shield: ₹5 Lakhs.
• Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000 (Capped at ₹400 per month).

50,000 Edge Reward Points on card activation and when the card membership is renewed every year.

• 15 EDGE reward points for every ₹200 spent.
• 2X rewards on international spends.
• Reward Rate:  1.5% to 3%.

Complimentary EazyDiner Prime membership .Savings of upto 25% across premium restaurants.

Note:  Benefit is provided only to primary cardholders of Axis Bank Reserve credit card, and the customer has to activate the membership within 6 months of receiving the code.

• Unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests.
• Unlimited complimentary domestic lounge visits for both the primary and add-on cardholders. 
• 8 complimentary VIP Assistance Services for a smooth and hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services.
• 4 complimentary  luxury airport pick-ups/drops every year.

Note: •  Benefit is capped to 4 complimentary airport transfers per primary cardholder. • Bookings should be made at least 48 hours before the service time. •  Valid for domestic and international departures/arrivals.

• Buy 1 movie ticket and get upto ₹500 off on the second ticket for a maximum of 5 times a month.
• Buy 1 non-movie ticket and get upto ₹ 1000 off on the second ticket for a maximum of 5 times a month.
• 50 Complimentary golf rounds every year across the best golf courses in India.

Club ITC Culinaire Membership

• Complimentary third-night stay.
• 50% savings on published room tariff for suites on weekends.
• 25% Green Points on Food & Beverage spends.
• Bouquet of 10 certificates and more.

Accor plus membership

• 1 night complimentary stay across Asia Pacific region.
• Complimentary room upgrade.
• Upto 50% off on dining.
• Complimentary lunch buffet for 2 across Accor hotels in India.

Handcrafted Club Marriott Asia Pacific membership

• 20% off on food and beverage.
• 20% off on the best available rates at participating Marriott hotels in India and on Weekend rates in Asia Pacific.

Exclusive offers at Oberoi hotels and resorts

• 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites.

15% savings at Postcard hotels

• 15% off on best available room rate.
• Anytime check in and check out.
• A complimentary lifestyle consultation (applicable at our hotels in Goa).

Axis Bank Ace (4.6) Full Details

• A 1% fuel surcharge is waived at all fuel stations throughout the nation.
• The maximum waiver amount is ₹500 per month.
•  Valid on transactions between  ₹400 to ₹4000.

Cashback Benefit

• 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
• 1.5% cashback on other spends.
• 4 airport lounge visits every year at certain domestic airports.
• 4% cashback on Ola rides.
• 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
• 4% cashback on Swiggy and Zomato.

EMI Benefit

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

IDFC FIRST Bank Wealth (4.6) Full Details

Convert transactions of ₹2,500 or more into easy EMI.

• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Whatsapp at this number  (+91)(0) 0008 00050 4254  Or visit https://www.concierge-asia.visa.com .
• Exclusive discounts on airport immigration service at over 450 destinations worldwide.
• Discounts on limousine services for airport transfers in more than 3000 cities globally.
• Access to 900+ luxury hotels around the world with premium benefits.
• Roadside assistance worth ₹1,399 all over India up to 4 times annually.
• Low Forex Markup charges at 1.5% on all International transactions.
• Monthly 2 complimentary Golf rounds on a monthly statement of ₹20,000 or more.
• 15% discount at 3000+ health & wellness centres.
• Buy 1 get 1 offer on movie tickets up to ₹500. Note: The movie offer is valid only on the Paytm app twice a month.
• 10X reward points on all spends above ₹30,000.
• 10X reward points on all spends done on your birthday.
• For all online spends, earn 6X reward points.
• For all offline spends, earn 3X reward points.
• Earn 1X reward point for every ₹100 spent.
• Reward Rate: 0.75% to 2.5%
• 4 free access to the Domestic & International airport lounges every quarter.
• 4 free access to spas and railway lounges every quarter.
• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance.

Dining discount of up to 20% at over 1500 restaurants.

• Air accident cover of ₹1 crore.
• Personal accident covers of ₹10 lakhs. 
• Lost card liability covers of ₹50,000.
• Comprehensive Travel Insurance of $1,200.
• Note: Travel insurance is valid if there is at least one transaction in the last 30 days via card.

1% fuel surcharge waiver at all fuel stations across India up to ₹400/month.

American Express Platinum (4.6) Full Details

• Seamless upgrade to Elite Tier Memberships.
• Exclusive invitations to VIP events .
• Access to presale tickets for events like Fashion Week, Grammy, Wimbledon etc.
• 25% off at Taj, SeleQtions and Vivanta Hotels.
• Exclusive deals on the world’s finest airlines like Emirates, Qatar Airways, and British Airways.
• Benefits worth ₹37,000 like complimentary room upgrades and late checkouts at the 5 Star hotels.

Note: Hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more.

• 1 Membership Rewards Point for every ₹40 spent
• 3x Membership Rewards Points on all international spends
• 5x Membership Rewards Points on every purchase through Reward Multiplier
• Reward Rate:  1.25% to 2.5%

Access to over 1,300 premium airport lounges globally.

• Coverage of ₹5 Crore for death due to air accidents.
• Coverage of ₹50,000 in case of loss of baggage, documents or passport.
• Complimentary medical insurance for US$ 50,000 for the first 7 days of the trip.
• Protection against loss/damage of tangible goods within the first 90 days caused by fire, burglary or natural calamities.
• Fraud protection worth ₹15 lakhs in case of theft, fraud or an emergency.
• Emergency hotels and travel assistance up to ₹2 lakhs and emergency cash in India.
• Up to 50% off at over 1800 premium restaurants in India.
• Free membership of  EazyDiner Prime.
• Complimentary drinks, preferential reservations & 24X7 VIP helpline.

Stay vouchers worth ₹45,000 from Taj, SeleQtions and Vivanta Hotels.

Note: Benefits available on payment of annual fee and spending ₹50,000 in the first 2 months of Card membership.

Enjoy 24X7 Concierge services that assist users with travel reservations and other plans.

HPCL Super Saver (4.6) Full Details

• 5% cashback (4% + 1% surcharge) on fuel purchases at HPCL fuel pumps, on any bank POS machine, or on the HP Pay app. 
• Additional 1.5% cashback as reward points on fuel purchases on the HP Pay app at HPCL outlets. 

Note: 4% cashback is capped at ₹200 per month.

2,000 bonus Reward Points on paying the membership fee within 2 months and spending at least ₹5,000 within the first 45 days of card issuance; ₹100 cashback on the HP Pay app on the first fuel purchase of ₹1,000 or more .

• 5% cashback on all bill payments and departmental store spends.
• 20 ICICI Bank Reward Points on every ₹100 spent on utilities.
• 2 ICICI Bank Rewards on every ₹100 spent on all retail purchases. 
• Reward Rate: 0.5%

Note: 5% reward points are capped at ₹ 100 worth of  ICICI Bank Reward points per month.

Free airport lounge access per quarter on spending ₹5,000 in every calendar quarter.

24x7 roadside assistance in case of vehicle breakdown.   

Axis Bank Atlas (4.6) Full Details

A dining proposition that provides 25% off up to ₹800  on dining restaurants via EazyDiner. Valid on minimum order value of ₹2000 and twice per month per card.

5000 EDGE Miles on doing first transaction withing 30 days.

• 5 EDGE Miles per ₹100 spent..
• 2 EDGE Miles on Other Spends per ₹100 spent.
• Airport Concierge Services like check-in, security check, and immigration processes, and porter services.
• 2 free Airport Pickup Services.

Free 8 Domestic and 4 International lounge access for primary card holders and accompanying guests.  List of lounges

Reward Rate: 2% to 10% in the form of Edge Miles.

Kotak Indigo Ka-ching 6E Rewards (4.5) Full Details

• 3% Rewards on Indigo Spends.
• 2% Rewards on monthly Merchant Spends (Includes Dining, Grocery & Entertainment).
• 1% Rewards on Other Category spends (Wallet excluded).
• 10% Accelerated rewards on spend at Indigo partner.
• Reward Rate: 1% to 10%
• Complimentary ticket worth ₹1,500.
• 6E Prime add-ons worth ₹899.
• Accor Dining Voucher worth ₹1,000.
• Discount Voucher of 30% for stays at Accor Hotels.

Note: Complimentary tickets can be redeemed towards base fare post doing three 3 transactions every month for the first quarter. Add-ons include priority check-in, choice of seats, complimentary meal and baggage assistance.

Discount of ₹150 per passenger on convenience fee on Indigo Tickets.

HSBC Premier (4.5) Full Details

Emergency services and international travel insurance

30% off your bill with EazyDiner up to ₹1,250

Unlimited airport lounge access in India and internationally and 8 international guest visits

• 3 Reward points for every ₹100 you spend
• Reward Rate: 3%

Low forex markup fee of 0.99% with no terms and conditions

 Weekly BOGO offers from BookMyShow

• Epicure membership with offers and benefits across Taj hotels
• Taj Experiences gift card worth ₹12,000
• Complimentary EazyDiner Prime annual membership

Save 1% Fuel Surcharge at any pump, any place  

American Express Platinum Travel (4.5) Full Details

Zero lost card liability.

• Users liability is Nil if the fraud is reported within 3 days.
• Max. liability of ₹1,000 if the fraud is reported beyond 3 days.

E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels .

2 Complimentary airport lounges per quarter across India.

• Additional Flipkart voucher or ATO benefits worth ₹4,500   on spending  ₹1.90  lakhs.
• Additional Flipkart voucher or ATO benefits worth ₹7,000   on spending  ₹4 lakhs.

Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.

10,000 membership points redeemable for Flipkart Voucher or Amex Travel.

Note: Applicable on spending ₹15,000 within 90 days of Card membership.

Flexibility of converting transactions of ₹5,000 or above into easy EMIs.

Up to 20% off at partner restaurants.

Reward Rate: 3% to 7.5%

• Complimentary membership to Priority pass.
• 24x7 Card Related Assistance.
• Emergency Card Replacement.

Missing- EMI Benefit offered by the card.

• 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
• 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.

HDFC Diners Club Metal Edition (4.5) Full Details

Redeem reward points for booking flight tickets/hotels across airlines and choice of hotels. Note - Members can redeem up to 70% of booking value through reward points . Rest will have to be paid via Credit Card.

• Air accident insurance cover worth ₹2 crore
• Emergency overseas hospitalisation of ₹50 lakh
• Travel Insurance covers up to ₹55,000 on baggage delay beyond 8 hours for international flights, capped at $10/hour.
• Credit Liability Cover of up to ₹9 lakh
• 5 reward points for every ₹150 spent.
• 10X reward points on spends via SmartBuy.
• Reward Rate: 3.33%

Note: 1 Reward Point = ₹1. The maximum reward points that can be earned in a statement cycle is 75,000.

Up to 50 days of interest-free credit period on your HDFC Bank Diners Club Black Credit Card from the date of purchase.

6 free golf games every quarter across the finest courses in the world. To book a golf game, reach out to the concierge via: Call: 1800 118 887 | 022 42320226, Email: [email protected]

• Get 2X reward points , i.e. 10 reward points per ₹150 spent on weekend dining, capped at 1000 reward points per day.
• 25% savings off on all your restaurant bill payments via Swiggy Dineout.

10,000 bonus reward points on spends of ₹4 lakh every calendar quarter.

Free annual Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh within the first 90 days of card issuance.   

Unlimited airport lounge access to 1300+ lounges in India and worldwide for primary and add-on card members.

• For Domestic lounges, click here.
• For International lounges, click here.  

Get Global Personal Concierge 24/7.

• Toll-free: 1800118887
• Landline: 022 42320226
• Email: [email protected]

RBL Bank World Safari (4.5) Full Details

• Earn 2 Travel Points for every ₹100 spent on all your purchases.
• Earn 5 Travel Points for every ₹100 spent on Travel spends.
• No Reward Points on International purchases.

Fuel surcharge waiver of ₹250 per month across all fuel stations.

Note: Valid on transactions between ₹500 and ₹4,000.

Make My Trip Voucher worth ₹3,000.

Gift cards worth ₹10,000 from brands like Taj, Amazon, Croma , etc. on a spend of ₹7.5 lahks in a year.

• 10,000 bonus Travel Points on spends of ₹2.5 lakhs  in a year.
• Additional 15,000 Travel Points on spends of ₹5 lakhs  in a year.
• Reward Rate: 0.5% to 1.25%
• 2 Complimentary access every quarter to domestic airport lounges in India.
• 2 free visits to international airport lounges by using the priority pass.
• Additional free visit via Priority pass on spend of ₹50,000 or more in a calendar quarter. 

Complimentary golf rounds at selected golf courses in India.

• 24X7 concierge service that assists with reservation of hotels, dining, golf courses etc.
• To Avail of the services, call customer care at 022 6232 7777 

Complimentary travel insurance that covers:

• Travel Insurance covers: 
• Personal Liability coverage
• Baggage Loss 
• Loss of Passport 
• Dental Treatment

Standard Chartered Ultimate (4.5) Full Details

Access to 1,000 airport lounges all over the world.

• Reduced foreign currency markup fee of 2% on all foreign currency transactions .
• 5% cashback on spends done duty-free. Note: Max cashback of ₹1,000 in one month.
• Free add-on credit card with all the same benefits as on the primary credit card.
• Facility of availing a loan of up to ₹5 lakh against the credit card .
• Option of transferring the card balance up to ₹5 lakh from other credit cards.

Ease of converting transactions of ₹5,000 and above into smaller EMIs.

6,000 welcome points worth ₹6,000 on payment of the joining fee.

• 5 reward points on every ₹150 spent on all categories.
• Reward Rate: 3.3%

Note: Some categories which are not eligible for reward points are fuel, utilities and supermarkets.

HDFC Bank Millennia (4.5) Full Details

8 free visits to domestic lounges each year (2 in a quarte r )

• For Mastercard Cards, ₹25 will be charged and immediately made void at the terminal for verification.
• For Visa/Diners Cards, ₹2 will be charged to the card account as a transaction for verification

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000 . The maximum waiver per statement cycle is ₹250 .

1,000 Cash Points applicable only on payment of membership fee.

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

Revolving Credit

At a small charge of 3.6% a month , HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

Up to 20% discount on partner restaurants via Swiggy Dineout.  

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

• 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
• 1% cashback on all online and offline spending, including EMI & wallet transactions except fuel.

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that .

IDFC FIRST Bank Millennia (4.5) Full Details

• Personal accident covers of ₹2 lakhs.
• Lost card liability covers of ₹25,000.

Note: Valid on doing at least one transaction using a card in the last 30 days.

15% discount at health & wellness outlets.

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance. 
• 5% cashback (up to ₹1,000) on EMI transactions done within the first 90 days of card issuance.

1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.

4 complimentary Railway lounge visits per quarter.

Convert transactions of ₹2500 or more into easy EMI.

• 10X reward points every time your expenses reach ₹20,000.
• 10X reward points on transactions that you make on your birthday.
• 6X reward points on every online purchase.
• 3X reward points on all your offline expenses.
• 1 reward point when you spend ₹100 on your credit card.
• Reward Rate: 0.5% to 1.67%

Axis Bank Magnus (4.5) Full Details

• Counterfeit/lost card liability upto credit limit
• Purchase protection: ₹2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: ₹5 Lakhs

Buy one ticket and get up to ₹500 off on the second ticket for a maximum of 5 movie/non-movie bookings in a month.

• 24x7 dedicated Concierge Services on flight bookings, table reservations, gift deliveries and more.
• Avail of special VIP assistance services for a smooth and hassle-free airport transfer.

Fuel surcharge waiver of 1% for transactions between ₹400 to ₹4000.  

Domestic Lounge Access

• Unlimited free access to domestic lounges annually, applicable to both primary and add-on cardholders.

International Lounge Access

• Unlimited free access to international lounges annually with Priority Pass.
• Complimentary 8 international lounge access for guests.  
• Annual fee waiver on spend of ₹25 lakhs in the preceding year.
• Healthcare packages and a range of privileges with SRL diagnostics, Dr. Lal PathLab and Metropolis.
• Expert medical opinion from a panel of world-class specialists at leading institutions.
• Virtual health assistance including tele-consultation, health coaching, home quarantine programs, personalized oncology care and more.
• Enjoy 8 complimentary end-to-end VIP services at the airport.
• Global Travel and Medical Assistance like legal & medical service referral, emergency evacuation, etc.
• Reduced mark-up fee of 2% on foreign transactions.

Enjoy up to 40% discount at over 4,000 restaurants across India.

Choose any one voucher worth ₹12,500 from below options:

Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

• Earn 12 Axis EDGE Reward Points on spends of every ₹200 up to ₹1.5 lakh.
• 35 EDGE Reward points per ₹200 on incremental spends above ₹1.50 lakh.
• 5X EDGE Rewards on travel spends via Travel Edge.
• 2 partner miles for every 5 EDGE Reward points across 19 travel partners.
• Reward Rate: 1.25% to 6%

Federal Bank Scapia (4.4) Full Details

24x7 concierge service on Scapia Federal Bank Credit Card

Zero forex markup on all international transactions

• 20% rewards on travel bookings done via the Scapia app
• 10% rewards on every online and offline spending
• 5 Scapia Points = ₹1
• Reward Rate = 2% to 4%

Unlimited domestic lounge access on minimum spending of ₹5,000

Standard Chartered Digi Smart (4.4) Full Details

• Phone number: 1800 102 7274
• Email: [email protected]
• 20% off on domestic flight bookings with Yatra.com with a max discount of ₹750.
• 10% discount on international flight bookings with a max discount of ₹10,000.
• Up to 25% off domestic hotel bookings with a maximum discount of ₹4,000. Offer valid for 1 transaction per category in a quarter calendar. Use promo code DIGISMART.
• 15% cashback on cab booking with Ola with a max discount of ₹600 per month.

BOGO offer on movie ticket bookings at INOX with a max discount of ₹200 per transaction . Offer valid on Saturdays & Sundays only and can be used for a max of 2 transactions per month.

Avail the EMI facility on transactions above ₹2,000 , which can be accessed through the internet or mobile banking.

Up to 10% off on food orders with Zomato with a max discount of ₹150 per transaction. There is no limit on the minimum purchase amount, and the offer is valid on 5 transactions per calendar month.

Shopping Benefit

• 20% off at Myntra with no minimum spend . Valid on 1 transaction per month up to a maximum discount of ₹700.
• Enter promo code DIGISMART and get 10% off on Grofers with no minimum spend. This offer is valid for five transactions per month, with a monthly discount maximum of ₹1,000. 

Axis Bank Vistara Signature (4.3) Full Details

2 Complimentary lounge access  per quarter at selected airports in selected Indian cities.

Insurance cover of up to ₹1 lakh for loss of travel documents, and delay or loss of check-in baggage.

• 4 Club Vistara Points for every ₹200 spent.
• Reward Rate: Up to 4%

25% discount of up to ₹800 at partner restaurants across India.

3000 Bonus Club Vistara points on spending ₹75000 within 90 days from card issuance.

Get up to 4 complimentary Premium Economy tickets in a year as milestone benefit.

The user can contact the bank to convert a big credit purchase into EMIs on any transaction over ₹2,500.

A complimentary premium economy class ticket voucher after paying the joining fee. 

Note: This is a one-way base fare waived ticker voucher.

• 3 complimentary rounds of golf at some of the destinations across India.
• Complimentary Club Vistara Silver Membership.
• Benefits include priority check-in and additional baggage allowance on fee payment. 

Note: The card will be issued within 10 working days of paying the joining/annual payment.

Standard Chartered EaseMyTrip (4.3) Full Details

• 1 free visit to domestic airport lounges per quarter.
• 2 free access to i nternational airport lounges annually.
• 2x reward points  for every ₹100 spent on all other categories of retail spend.
• 10x rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets.
• Reward Rate: 0.5% to 20%

Ease of converting transactions of ₹2,000 and above into EMIs.

• 10X reward points on every ₹100 spent for booking tickets at a hotel and airline.
• 10% instant discount on domestic & international flight bookings  
• 20% instant discount for domestic & international hotel bookings.
• ₹125 off on bus ticket bookings (On minimum ticket booking of ₹500 )

Note: All these offers are applicable on the bookings done via EaseMyTrip

American Express Platinum Reserve (4.3) Full Details

If you report any unauthorised use of the credit card within 3 working days of the fraud, the liability to American Express will be nil. If reported beyond 3 working days, the maximum liability will be limited to ₹1000.

• Gift voucher worth ₹500 on spending ₹25,000 per month on brands like Flipkart, BookMyShow, BigBasket, MakeMyTrip, Myntra, PVR and Shoppers Stop
• Free golf access twice a month to 32 lush green courses in India

Enjoy 24x7 services for all card-related assistance.

• 12 free annual visits (limited to 3 per quarter) to domestic airport lounges across India
• Access to 1200+ VIP airport lounges in over 120+ countries with a free Priority Pass Membership
• 1 Membership Reward Point for every ₹50 spent except for spending on fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale.
• Reward Rate: 1% to 2%

Air accident cover for up to ₹1 crore.

11,000 Membership Reward Points on spending ₹30,000 within 90 days of card membership.

0% convenience fee for HPCL transactions less than ₹5,000 ,1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000.

• 20% discount on the best available rate for a room/suite stay at Taj Palaces
• 20% discount on the best available rate for a room/suite stay at Taj Safaris
• Taj Stay Voucher worth ₹10,000 when you spend ₹5 lakh in a card membership year and pay the annual fee of ₹10,000 on your card.

AU Bank Zenith+ (4.3) Full Details

5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

• 1000 Reward Points on a minimum retail spend of ₹75,000 per statement cycle.
• Free Taj Epicure Membership on minimum spends of ₹12 Lakh in a card anniversary year.

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of ₹1000 per statement cycle)

• Free 16 International Airport Lounges access using Priority Pass.  List of Lounges
• 16 domestic lounge access per annum, max 4 quarter, with the credit card. Check out this link to view the list of eligible lounges.

Get airport VIP check-in with 4 free services per annum (max 1 per calendar quarter).

• 2 Reward Points for every ₹100 spent on travel, dining, and international spends.
• Earn 1 Reward Point per ₹100 on retail spends across all merchant categories.
• Reward Rate: 1% to 3%.

Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation.

• 16 free buy-one-get-one movie /event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to ₹500 per ticket. )
• 8 free golf games and lessons annually. (Up to 2 free golf rounds/lessons per calendar quarter)
• Air Accident Cover - Up to ₹2 crore
• Card Liability Cover - Up to ₹15 lakh
• Credit Shield - Up to ₹15 lakh
• Purchase Protection - Up to ₹50,000
• Other Travel-related covers - In the event of baggage delay, delay in flight, loss of passport and plane hijack.

Customize your travel, entertainment, and leisure experiences with their Global Concierge Assistance.

IDFC FIRST SWYP (4.2) Full Details

• Discount of 20% up to ₹80 on orders above ₹299 on Domino's valid 2 times in a month
• Discount of 10% up to ₹100 on orders above ₹299 via Zomato

10% off on flights or hotels up to ₹500 on transaction value above ₹5,000, valid once per quarter via EaseMyTrip

25% discount up to ₹100 on the purchase of movie tickets on the Paytm Mobile App. The offer can be availed once a month.

 4 free railway lounge access in a calendar quarter to participating lounges in India

Fuel surcharge waiver of 1% at all fuel stations across India , up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000 .

• 200 Reward Points on spending ₹5,000 monthly
• 500 Reward Points on monthly spend of  ₹10,000
• 1,000 Reward Points on monthly spend of  ₹15,000
• Reward Rate: 1% to 1.6%

10% instant discount up to ₹100 on purchases over ₹999 in TataCliQ, valid once per month

• 1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance
• 1-year Times Prime Membership on spending of a minimum ₹30,000 or more within the first 90 days of credit card issuance
• Free Lenskart Gold Membership for 1 year on payment of joining fee

SBI Prime (4.2) Full Details

• Complimentary Trident Privilege Red Tier Membership.
• 1 Upgrade Voucher from Vistara.
• Complimentary Air Accident Liability Cover of ₹50 lakhs
• Waiver of renewal fee on annual spends of ₹3 lakhs.
• Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter.
• E-Gift Voucher worth ₹7,000 from Yatra.com/Pantaloons on spending ₹5 lakhs annually.
• Earn 2 Reward Points per ₹100 on all other retail spends except fuel.
• Get 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental stores and Movies. 
• Reward Rate: 0.5% to 5%

Convert the transactions of ₹2500 or more into easy EMI.

• Up to 50% off on golf games.
• 1 Free lesson per month at selected golf courses.
• 4 Rounds of free green fee access.
• 15% off on F&B and Lalit Hotels.
• Up to 10% off on Hertz Car Rental.
• Up to 35% off on Avis Car Rentals.
• Exclusive benefits across 900 luxury hotels worldwide.

American Express

• Up to 25% off on dining.
• VIP upgrades & Privileges at hotels all over the world.
• ₹1,000 hotel credit on extended night stay under Trident Privilege Membership.
• Emergency Card Replacement anywhere in the world.
• Withdraw Cash anywhere in the world.

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.

Note:  Maximum waiver up to ₹250 per statement cycle.

• 8 free lounge access  per year to Domestic Lounges.
• 4 free lounge access  annually to International Lounges.

Note: Maximum  2 visits per quarter.

Gift voucher worth ₹3000  from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

6E - Rewards Indigo HDFC Bank (4.1) Full Details

Zero liability on any fraudulent transactions.

Note: Loss of card to be reported immediately to the bank’s 24-hour call centre.

• Complimentary 6E prime add-on. 
• Priority check-in, a choice of seat , a complimentary meal, and quicker baggage.
• Note: Available only on first-year membership fee payment.

1 complimentary IndiGo air ticket worth ₹1,500 on making 3 or more transactions in each of the first three months of card use. 

Note: Milestone Benefit is available only on first-year membership fee payment.

Up to 50 days of interest free period on your 6E Rewards - IndiGo HDFC Bank Credit Card, from the date of purchase.

₹150 discounted convenience fee on IndiGo.  

1% 6E Rewards for every ₹100 on fuel spends.

Reward Rate: 1% to 2.5%

HPCL IDFC FIRST Power+ (4) Full Details

• Personal Accident Cover of ₹2,00,000
• Lost Card Liability Cover of ₹25,000
• Free roadside assistance worth ₹1,399 four times a year
• ₹500 discount with Zoomcar rentals
• Up to 50% discount on domestic and international rental cars with Eco Rent-A-Car and Europcar

For every ₹150 spent , you earn:

24x Reward Points on HPCL Fuel & LPG

30x Reward Points on Grocery & Utility and IDFC FASTag recharge

3x Reward Points on other retail transactions

1 Reward Point = ₹0.25

Reward Rate- 0.5% to 5%

Up to 6.5% savings on your fuel expenses:

• 4% savings as Rewards on HPCL fuel & LPG expenses of up to ₹10,000 every month  
• 1.5% savings as Payback Rewards through HP Pay App fueling up to ₹5,000 every month 
• 1% savings as fuel surcharge waiver on fuel expenses of up to ₹20,000 every month

₹150 discount on orders above ₹500 on Swiggy

• Interest-free cash withdrawal
• Free add-on card
• ₹500 cashback on 1st transaction of ₹500 or above at HPCL fuel station
• 5% cashback up to ₹1,000 on the first EMI transaction

Free domestic airport lounge access, once every quarter, on minimum monthly spends of ₹5,000

25% off on movie tickets up to ₹100 , once every month

Kotak League Platinum (4) Full Details

On-call assistance and cheque pickup service under the “ league priority attend ” program

Reward Points worth ₹500 on payment of the joining fee.

4 free PVR tickets or 10,000 reward points on spend of ₹125,000 every 6 months.

Note:   A maximum of 8 PVR tickets worth ₹400 each can be availed annually.

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000

Note: Maximum waiver allowed in a calendar year is ₹3,500.

Railway surcharge waiver for transactions on the IRCTC website . Maximum railway surcharge waiver allowed in a calendar year is ₹500.

• Get 8x reward points for every ₹150 spent on special categories and  4x reward points for every ₹150 spent on other categories up to ₹2 lakh.
• Reward Rate:  0.66% to 3.33%

Air India SBI Signature (4) Full Details

• 20,000 Reward points on payment of the joining fee.
• Complimentary membership to Air India Frequent Flyer Program.

Complimentary lost card liability cover of ₹1 lakh.

• 8 Complimentary access to domestic airport lounges (max 2 per quarter).
• Access to International Lounges , with a priority member pass.

Note: A usage fee of $27 will be charged on accessing the priority pass member lounge.

1% fuel surcharge waiver across all the petrol stations on transactions between ₹500 and ₹4,000.

Note: Maximum surcharge waiver of ₹250 per statement cycle.

• Users earn 4 Reward Points for every ₹100 spent.
• Up to 1,00,000 bonus reward points annually.
• 5,000 reward points on the card anniversary.
• Reward rate: 1.5% to 4%

Convenience of getting railway tickets delivered to the doorstep.

Note: Railway tickets booked via the IRCTC website will be eligible for this service.

24x7 Emergency Card Replacement support anywhere in the world.

The flexibility of converting transactions of ₹2,500 or more into easy EMIs.

American Express Gold (4) Full Details

• No pre-set limit to spend. 

Note: No pre-set limit means users don’t have to worry about the credit limit while making purchases and transactions get approved based on their finances, credit record, spending pattern and account history.

1,000 bonus points on 6 transactions of ₹1,000 every month.

• 1 reward point on every ₹50 spent on fuel.

4,000 bonus points on spending ₹10,000 within the first 90 days of card generation.

• 5x reward points on every purchase through “ Reward Multiplier ”.
• 1 point  on every ₹50 spent on fuel and utilities.'
• Reward Rate: 1% to 6%

Note: Utilities include electricity, gas and water.

• Complimentary room upgrade facility at selected hotels.
• US$100 hotel credit for staying at over 400 hotels worldwide.

Note: Hotel credit applies to spending 2 consecutive nights at selected hotels.

• User liability is Nil if the fraud is reported within 3 days.

SBI Aurum (4) Full Details

• Spend ₹20 lakh annually – get an Apple gift voucher worth ₹20,000
• Spend ₹12 lakh annually – get a renewal fee waiver
• Spend ₹10 lakh annually – get a Taj Gift Voucher worth ₹10,000
• Spend ₹5 lakh annually – get a Tata CliQ Luxe (Luxury) gift voucher worth ₹5,000
• Spend ₹1 lakh per month – get a Tata CliQ Gift Voucher of ₹1,500
• Book My Show benefits worth ₹1,000 every month

A dedicated concierge service to fulfil all your needs and offer expert assistance

• 4 Reward Points per ₹100 spent
• Reward Rate: 1% to 3%
• 16 free Golf rounds per year and 50% off on subsequent visits (capped to one per month)
• 12 free Golf lessons per year
• 40,000 reward points ~ ₹10,000
• Club Marriott Membership with discounts on room tariffs, restaurants and spa services at Club Marriott Hotels in India
• Digital Membership for Mint and WSJ

Fuel Surcharge Waiver with a capping of ₹400 per statement cycle

• Unlimited international airport lounge access across 1000+ airports by Dream Folks with 1 free access to guests every quarter
• 4 domestic lounge access per quarter

2 flight cancellation refunds per year from any airline

IndusInd Bank Indulge (4) Full Details

• Earn 1.5 reward points for every spent using the card.
• 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends.
• Reward Rate: 0.7% to 1.5%
• Assistance for hotel/flight bookings is available 24x7 for IndusInd Indulge Credit Card
• Phone: 1860 267 7777
• Email: [email protected]
• Personal air accident cover  worth  ₹2.5 crores in a matter of loss of life
• Loss of card liability protection (applicable from 48 hours before reporting)
• Buy one movie or non-movie ticket on BookMy Show and get another ticket free.
• It can be availed maximum 3 times per month, maximum ticket price capped at ₹700 with an additional discount of  ₹50 for the F&B option.
• 25% discount on non-movie tickets on BookMyShow.
• Save ₹3,000 on dining bills twice per year.
• 6 complimentary visits to domestic lounges per quarter via Visa lounge access program.
• Priority Pass members have unlimited access to international lounges every quarter.

HDFC Diners Club Black (4) Full Details

25% savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants), Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done Swiggy App.

With the HDFC Bank Diners Club Black Credit Card , you can change your large purchases into smaller monthly payments after you buy them.

Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members.  For Domestic Lounges, click here. For International Lounges, click here .

All Diners Black card members can select any two monthly milestone benefits from a choice cult.fit Live 1- month subscription or BookMyShow or TataCLiQ or Ola cabs vouchers worth ₹500 every month provided your net spend ₹80,000 in a calendar month.

Find and book your flights and hotels easily! You can choose from over 150 airlines and various hotels in India and abroad at smartbuy .

Get 6 free golf games every quarter at over 15 golf courses in India and over 100 golf courses worldwide on Diners Black Credit Card. For Domestic Golf Courses details, click here . International Golf Courses, click here

Exclusive discounts at leading spas, salons, gyms and other wellness retreats . Click here to view details.

Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Diners Club Black Credit Card. Call: 1800118887 / Landline - 022 42320226

• Emergency overseas hospitalisation: ₹50 Lacs
• Travel Insurance Cover of up to ₹55,000 on baggage delay  (Capped to 10$ per hour restricted to 8 hours)                                                                 
• Credit Liability Cover of up to ₹9 Lakh

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400. Max CashBack of ₹1000 per statement cycle )

• Earn 5 Reward Points for every ₹150/- retail spent.
• Upto 10X Reward Points on spends via SmartBuy.
• 2X Reward Points on weekend dining.
• Reward Rate- 3.3% to 33%.

Free annual memberships of Forbes Digital Subscription, Club Marriott, Swiggy One (3 months), MakeMyTrip Black Elite Tier and Amazon Prime on payment of the joining fee or by spending ₹1.5 lakhs within the first 90 days.

Induslnd Bank Platinum Visa (3.9) Full Details

A complimentary Priority Pass membership , which gives access to over 1,000 lounges worldwide.

• Get coverage for accidental air death, lost baggage, delayed baggage, loss of passport, lost ticket and missed connection.

The coverage amounts range from ₹25,000 to ₹1,00,000.

• Assistance for hotel/flight bookings is available 24x7 for IndusInd Platinum Visa Credit Card.
• Get 4 complimentary golf games and 4 lessons per year. 
• Access to Auto Assist services such as roadside repair, emergency fuel supply, and emergency towing assistance.
• Exciting offers and deals on premium brands such as Montblanc, Vero Moda, ALDO, and William Penn. 
• Receive Luxe Gift Cards , Amazon gift cards, and Apollo Pharmacy gift cards.

Earn 1.5 reward points for every ₹150 spent. 

Reward Rate:  0.5% to 1.5%

1% waiver on fuel surcharge at all petrol pumps across India 

Note - It applies for all transactions between ₹400 and ₹4000.

Kotak Royale Signature (3.5) Full Details

2 Complimentary visits every quarter to “Dream Folks Lounges” in India.

Railway Surcharge Waiver on all the transactions done on IRCTC Website.

Note: Maximum waiver allowed in an anniversary year is ₹500.

• 10,000 Reward points on spend of ₹4 lakh.
• 30,000 Reward points on spend of ₹8 lakh.

Fuel Surcharge Waiver on all transactions between ₹500 and ₹3,000.

Note: Maximum waiver allowed in an anniversary year is ₹3,500.

• 4X reward points for every ₹150 billed to the card for special categories like dining, travel, air tickets, and international spends.
• On all other categories, 2X rewards are offered.
• Reward rate: 0.6% to 1.5%

Citi Bank PremierMiles (3.5) Full Details

Redeem miles points for flight bookings , transfer them to partner airlines and hotels, or double rewards as a member of an airline's frequent flyer program.

• Personal accident insurance cover worth ₹1 crore and a lost card liability cover worth ₹10 lakh . 
• The insurance applies only in case of loss of life due to an air accident, and only the primary cardholder is covered.

Reward Rate: 1.8%

Savour the finest flavours with up to 20% off on dining bills at select partner restaurants.

Receive 10,000 miles as a welcome benefit  if you spend ₹1,000 or more on your Citi PremierMiles Card within 60 days of card issuance. This offer is not applicable if the card is closed due to inactivity within 30 days of card issuance.

• Personal concierge services with the Citi PremierMiles Card - plan parties, send gifts, make reservations, and more with ease.
• Phone: 1800-114-999
• Email: [email protected]. 
• 6 domestic lounge access/quarter with MasterCard variant.
• 8 domestic lounge access/quarter with Visa Signature variant.

Frequently Asked Questions

1. what are travel credit cards.

Travel credit cards are credit cards that offer rewards or benefits for travel-related expenses such as flights, hotels, and car rentals.

2. What are the best travel credit cards in India?

The best travel credit cards in India vary depending on individual needs and spending habits. Some popular options include the HDFC Regalia Credit Card, American Express Platinum Travel Credit Card, and the Axis Bank Miles & More World Credit Card.

3. What benefits do travel credit cards offer?

Travel credit cards offer benefits such as reward points, airline miles, lounge access, and travel insurance for travel-related expenses.

4. How do travel credit cards work?

Travel credit cards work by offering rewards or benefits for travel-related expenses such as flights, hotels, and car rentals made using the card. These rewards can then be redeemed for various benefits such as airline tickets, hotel bookings, or upgrades.

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Using debit cards outside the UK

• 1. Jump to Benefits of using your debit card outside the UK
• 2. Jump to Costs for using debit cards outside the UK
• 3. Jump to Before you go outside the UK
• 4. Jump to Once you're outside the UK
• 5. Jump to Looking for a different travel service?

Benefits of using your debit card outside the UK

• If you're going outside the UK you can withdraw cash and pay for things with your Lloyds Bank Visa debit card wherever you see the Visa symbol – just the same as you do at home.
• It's a more convenient and safer way than carrying cash.
• Pay for hotels, sightseeing, shopping and eating out – your Lloyds Bank Visa debit card is accepted all over the world.
• Flexible – get extra spending money from cash machines when you’re outside the UK.

Our helpline is open 7am - 11pm, seven days a week, but keep in mind calls from abroad are charged according to the telephone service provider’s published tariff.

Find out about the  costs of using your cards outside the UK .

Costs for using debit cards outside the UK

Transactions outside the UK

Withdrawing cash in a currency other than pounds, or withdrawing pounds outside the UK, (at a cash machine or over the counter)

If you use your debit card to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate.

We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction, this is a fee for currency conversion. We will also charge you a foreign currency cash fee of £1.50 for each withdrawal, except for withdrawals of Euro inside the EEA where you will not be charged a foreign currency cash fee. Where you elect to allow the cash machine operator/financial service provider to make the conversion to sterling for you, we will only charge a foreign cash fee of £1.50 for each withdrawal, except for withdrawals of Euro inside the EEA where you will not be charged a foreign cash fee. The provider of the foreign currency may make a separate charge for conversion.

Buying goods or services in a currency other than pounds

If you use your debit card to make a purchase in a currency other than pounds, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction, this is a fee for currency conversion.

We will also charge you a foreign currency purchase fee of £0.50 for each payment, except for payments of Euro inside the EEA where you will not be charged a foreign currency purchase fee. The foreign currency purchase fee does not apply to Platinum or Premier or Mayfair current accounts for individuals and for business clients, Private Banking (excluding Private Banking Current Account) debit card holders.

Keep in mind other charges apply, so please see the  banking charges guide  for details

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Have an enjoyable trip!

Once you're outside the UK

Once you're outside the UK, you can use your Lloyds Bank Visa debit card in the same way you do at home. Whether you’re paying for a hotel, a meal, or buying petrol from a garage or a supermarket, you’ll have the same security and peace of mind.

• You can withdraw cash from cash machines or over the counter at any bank displaying the Visa symbol. You can withdraw money up to your limit in sterling, as long as you have the cleared funds available in your account.
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10 Best Prepaid Travel Cards for India

Table of Contents

Prepaid travel card

When planning a vacation, you probably have the expense front and center in your mind.

In international travel, it’s not always the best idea to use your regular credit card because of the added forex markup cost associated with purchases made in a currency other than the one on which your card is issued. This is why many companies issue prepaid travel cards designed specifically for those who frequently travel.

10 Best prepaid travel cards for India

Here are some of the best-prepaid cards to consider while traveling:

• Happay World Travel Card
• Axis Bank Multicurrency Forex Card
• YES Bank Multicurrency Travel Card
• HDFC Multicurrency Forex Card
• IndusInd Bank Multicurrency Card
• Thomas Cook Forex Card
• ICICI Bank Forex Prepaid Card
• SBI Multicurrency Foreign Travel Card
• MakeMyTrip HDFC Bank ForexPlus Card
• Goibibo ICICI Bank Forex Prepaid Card

Must read: 5 Best Corporate Credit Cards in India

10 Best prepaid travel card for India – A comparative table

List of 10 best prepaid travel cards for india, 1. happay world travel card.

Happay’s World Travel Card solves some of the most crucial challenges that CFOS and Travel officers face. For instance, as regards international travel, finance leaders need robust controls and real-time visibility.

However, they are equally concerned about picking

• Cards that offer the best currency rates
• Travel cards that can be tracked, managed, and controlled easily.

Happay’s World Travel Card is ideally designed for a modern workforce where the key is to offer ease of use (for employees) and superior visibility and control (for employers). These secure cards offer powerful pre-spend controls and 24/7 app access. 

The smartphone app lets employees view and track their card balance and transaction history in real time. Admins can block lost or stolen cards temporarily or permanently, giving them complete control over usage. Happay World Travel is a single-currency business travel card that can be filled instantaneously in INR and can be spent across 150 countries without the need for re-conversion upon return. 

How to get a World Travel Card?

If you are a startup (funded) or an enterprise, you can apply for a World Travel Card. Once you have provided all the necessary documents,  you can avail of credit within 5 hours of onboarding. 

Documents required to get a World Travel Card

To apply for a World Travel Card, you must provide the KYC documents and all relevant company information. You may contact Happay for any additional information.

2. Axis Bank Multicurrency Forex Card

Axis Bank Multicurrency Forex Card is one of the popular forex cards in India. Applicants do not need to reload their cards with different currencies whenever they travel. In addition to protecting you from currency fluctuations, the card also serves as a hedging tool.

You can cash out your funds using this card after completing your journey. Consumers can pay by waving their cards across a contactless scanner without physically contacting the device.

You can load the following currencies:

New Zealand Dollar,(HKD) Hong Kong Dollar, South African Rand., and the Danish Krone

Suggested Read: What is the corporate credit card limit?

 3. YES Bank Multicurrency Travel Card

YES Bank Multicurrency travel card is very safe and cost-effective. You can easily manage your card from anywhere and anytime using the online customer service portal. Additionally, you can view your transaction history easily.

Loading currencies is possible in the following currencies:

The British Pound, the Euro, the Singapore Dollar, the Australian Dollar, the UAE Dirham, the Japanese Yen, the Canadian Dollar, the Hong Kong Dollar, the Chinese Franc, and the Swiss Franc.

4. HDFC Multicurrency Forex card

In the market, the HDFC Multicurrency Forex Card is among the most popular choices. On a single card, 22 currencies are available.

Contactless cards offer supplementary insurance and concierge services and the ability to shuffle cash between two distinct currencies. Forex traders can also benefit from them by protecting themselves from currency swings. In the event that customer data is misused, the customer is also entitled to compensation of up to 5 lakh rupees.

Below are the currencies that can be loaded:

The currencies that can be loaded are Euros, Oman Riyals, Korean Wons, United Arab Emirates Dirhams, Japanese Yen, Saudi Riyals, Sterling Pounds, Malaysian Ringgits, Norwegian Krones, Swiss Francs, Thai Bahts, Danish Kronas, Swedish Kronas, and South African Rands.

Also, Read: 5 Best RazorpayX Alternatives for Corporate Card

 5. IndusInd Bank Multicurrency Card

Card with multicurrency capabilities from IndusInd Bank

A popular multicurrency card among travelers is the IndusInd Bank Multicurrency Card. With this card, you can use 14 different currencies, and you won’t have to worry about international markups. With the package, customers can withdraw up to two free withdrawals from ATMs each month.

The euro (EUR), the Singapore dollar (SGD), the British pound (GBP), the Saudi riyal (SAR), the US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), and the British pound (GBP) are among the major currencies.

6. Thomas Cook Forex Card In India

Thomas Cook Forex cards are smart and secure. They are available in 9 different currencies, allowing you to swipe them across numerous Master and VISA card POS or merchant outlets worldwide. 

Offering insurance coverage of up to $10000, the card also features 3D secure authentication for all online transactions. You can also check balances, statements, and block cards via toll-free customer service online.

Thomas Cook travel cards offer convenience as they are simple to buy and reload.  Replacement and backup cards are available at no cost. Further, emergency cash is available on these cards (up to the available card balance and subject to availability).

These currencies can be loaded on this card:

The US dollar (USD), the Canadian dollar (CAD), the Australian dollar (AUD), the Euro (EUR), the British pound (GBP), the United Arab Emirates Dirham (AED), the Singapore dollar (SGD), are among the major currencies that can be loaded on this card.

7. ICICI Bank Forex Prepaid Card

ICICI Bank Forex Prepaid Card is a good option if you are planning to travel internationally. Travel schedules can be adapted to your needs. Reloading this card is possible through ICICI FX’s online platform, mobile app, or branch locations.

As well as restaurant discounts, it offers discounts on shopping and a range of other outlets worldwide by up to 20%.

Their insurance policy also covers a maximum of Rs 10,00,000. It takes just two days to receive the card after opening an account with ICICI bank, and there is no need to open a savings account or current account.

There is a wide range of currencies that you can load onto the ICICI Forex Card, including

Swiss Francs, Japanese Yens, Swedish Kronas, South African Rands, Saudi Riyals, Thai Bahts, New Zealand Dollars (NZD), Hong Kong Dollars (HKD), US Dollars, Singapore Dollars, British Pounds (GBP), Australian Dollars (AUD), Arab Emirates Dirhams (AED), Canadian Dollars (CAD), Euros (EUR), Swiss Francs (CHF).

Quick Read: What is Credit Card Reconciliation?

8. SBI Multicurrency Foreign Travel Card

It can load seven currencies from different countries.

Using a MasterCard Acceptance Mark allows you to make payments wherever MasterCard is accepted, including restaurants, shopping, dining, and lodging. You can access it 24/7, every day of the week.

You can load the given below currencies:

The US Dollar (USD), the Pound Sterling (GBP), the Euro (EUR), the Canadian Dollar (CAD), the Australian Dollar (AUD), the Japanese Yen (YEN), the Saudi Riyal (SAR), and the Singapore Dollar (SGD) make up the five major currencies.

9. MakeMyTrip HDFC Bank ForexPlus Card

With features such as chip and PIN-enabled transactions, backup cards, and the ability to temporarily block the card, this HDFC Bank travel card is one of the best travel cards in India .

You can apply for these cards even if you are not an HDFC customer. Designed to make your international travel hassle-free, the HDFC card has several advantages, including complimentary membership in MMT’s Black Loyalty Program.

Currencies that can be loaded:

There is the option to load over 22 currencies in a single card, which allows you to enjoy your travels without any worries. The card also provides insurance for up to Rs 25 lakh.

10. Goibibo ICICI Bank Forex Prepaid Card

An ICICI Bank and Goibibo-branded forex prepaid card has been launched jointly by the two firms. Prepaid cards must be loaded with cash before being used for transactions. The program has no reward structure but offers discounts on forex rates, eating out, cab vouchers, etc. If your card is lost or misplaced, you will receive assistance 24 hours a day, 7 days a week.

This card supports the given below currencies:

USD (United States Dollar), Pound sterling (GBP), Canadian Dollar (CAD), Singapore Dollar (SGD), Japanese Yen (JPY), Saudi Riyal (SAR), Thai Baht (THB), New Zealand Dollar (NZD), Swedish Krona (SEK), Euro (EUR), Australian Dollar (AUD), United Arab Emirates Dirham (AED), Hong Kong Dollar (HKD) and South African Rand (ZAR)

Suggested Read: Impact of Company Credit Cards on Credit Scores

What is a prepaid travel card?

These cards are prepaid, meaning that, unlike credit cards, you must add funds before using them to make a purchase. Most of the top forex cards in the market are single-currency or multi-currency, allowing you to choose the one that suits your requirements.

The advantage of a prepaid travel card is that you do not have to carry cash everywhere, and carrying physical cash is not as secure as carrying digital cash.

It also assists in getting better exchange rates if you use a travel card with foreign currencies. This is because regardless of how the forex market fluctuates, the rate of the funds you have put in your travel card remains constant.

Travel Card vs Forex Card

Advantages of prepaid travel cards.

• Prepaid travel cards for travelers are accepted globally.
• Prepaid travel cardholders have the option of loading multiple currencies onto a single card.
• When used at restaurants in dozens of countries, the prepaid international card gives customers access to substantial savings.
• The customer earns reward points for each purchase made with their prepaid card.
• Customers can check their remaining balance at any ATM worldwide. In most circumstances, the bank will also send a notification text message to the consumer after each purchase or withdrawal, detailing the remaining value on the card.
• To maintain tabs on finances, you can view bank statements whenever you want
• Two replacement cards can be purchased if the original card is lost or stolen.
• There’s more flexibility and control over the currency and information.
• As soon as funds are added to a prepaid card, you’ll be limited to using only that amount. In this case, neither an overdraft nor a credit line is involved.
• If you don’t have a checking account with a bank, a prepaid card can still be used to make online purchases.
• Your prepaid card can be used at ATMs to withdraw cash if you find yourself in a bind. Although you need not be a customer of any specific financial institution to use an ATM, users of ATMs owned and operated by private businesses may be subject to fees.

Future read: 10 Best expense management software

How to choose your prepaid travel card?

Although there are numerous cards to choose from, determining which is right for you is easiest when you know where you intend to go. 

• You will need a card that can convert currencies in case you visit more than one country during your trip.
• There are various fees to consider while making a final decision, such as those associated with replacements, inquiries, and price hikes for shipping over international borders. 
• Investigate the exchange rates and the safety net they provide in the event of theft or loss.
• Costs associated with using your card abroad may include conversion costs, foreign transaction fees, ATM withdrawal fees, overlimit fees, and similar charges. To find out what fees may be incurred, check your bank’s or credit card company’s website or contact the customer care.
• In the event of card loss or theft, the first thing you should do is have access to your card temporarily disabled. You might either phone the bank’s customer service line or go online to disable the card yourself. 

Must read: TOP 10 Corporate Credit Card Benefits

How does the Happay World Travel Card benefit your employees?

• Happay cards can be issued to employees to make paying for business-related travel expenses easier. 
• The most obvious benefit to employees is that they won’t have to pay for these things out of their pockets. They also need not wait to get reimbursed .
• Expense information can also be accessed on the go using the mobile app. If you use Happay cards, you will have complete access to your spending data and analytics. In addition, you can get this data (in real-time) via the Happay Expense Dashboard.
• Happy travel cards make it much easier to keep tabs on business travelers’ spending. Pre-set spending restrictions, blocking and unblocking of cards, and fund transfers can all be managed from the mobile application.
• The finance team spends less time reconciling because all transactions are automatically reconciled.

As far as affordability, security, and convenience is concerned, no other forex card provider can match Happay.

The decision to travel abroad is not one to be made lightly. One thing you can’t forget about your trip is arranging the foreign currency.

Compared to the other travel cards we’ve discussed, the Happay World Travel Card does not charge any issuance fee and allows you to purchase in any currency without incurring additional fees.

Prepaid cards offer convenient and secure access to your money while traveling internationally, so they should be among your first options. Select the best-prepaid card for your upcoming trip abroad and travel hassle-free.

FAQ’s

Prepaid travel cards are designed specifically for overseas travelers. Prepaid travel cards allow users to load funds in various foreign currencies and do not impose any additional fees for making purchases in the currency for which they were issued.

a) Carrying money abroad is safer with a travel or forex card. b) A PIN protects it and makes it convenient to carry. c) If you lose your card, the amount on it is still safe in your account even if the card is blocked. d) In addition, it protects you from fluctuations in foreign exchange rates. e) Multiple currencies can be carried on a forex card, which is convenient and safe. f) In many cases, the loss or theft of your card is covered by free insurance.

Online shopping, flights, hotels, and other online payments are all possible using it like your credit card. With a forex card, you won’t be charged additional (cross-currency) fees when making online purchases abroad.

Related Posts:

• Best Business Credit Cards in 2023
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• 5 Best ICICI Corporate Credit Card Alternatives,…
• 5 Best HDFC Corporate Credit Card Alternatives,…
• Corporate Travel Program: Why Does Your Business Need One?
• Corporate Travel Management: The Business Guide

How to Make Travel Checklist for Executive Assistants?

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20+ Best Travel Credit Cards

Travel credit cards are tailored to the needs of frequent travelers. These credit cards offer benefits such as complimentary access to airport lounges, 24×7 concierge service, and insurance benefits. They not only make the cardholder’s travel experience smoother and more comfortable but also, in most cases, offer a higher reward rate on travel-related expenses like flight bookings and hotel/stay reservations. Many travel credit cards earn rewards in the form of AirMiles, which can be redeemed for air ticket bookings, award flights (free flights), or class upgrades with partner airlines.

Travel credit cards are typically offered in collaboration with an airline, an online travel portal, or a hotel/resort chain. These co-branded credit cards often provide higher rewards for spending with partner airlines or travel portals. Additionally, you can often enjoy exclusive benefits such as complimentary membership in the partner airline’s frequent flyer program or bonus AirMiles upon reaching specific spend-based milestones with these co-branded travel credit cards. Examples of co-branded travel cards include the Ka-Ching, Air Vistara, Emirates, and Etihad Co-Branded Credit Cards.

While most travel rewards credit cards are offered in collaboration with an airline or travel portal, some travel cards are more generic and are suitable for travelers in general without providing additional benefits for spending with a particular airline or travel portal. Two significant examples of such generic travel credit cards are the American Express Platinum Travel and the Axis Atlas Credit Card.

Axis Bank Atlas Credit Card

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• 6E Rewards XL – IndiGo HDFC Bank Credit Card

6E Rewards – IndiGo HDFC Bank Credit Card

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If you fully understand the benefits of travel credit cards and need one, you can choose from our list. Depending on your requirements and expectations for a travel credit card, here are some of the best credit cards currently available in the Indian credit card market.

Generic Travel Credit Cards:

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Axis Bank Atlas Credit Card is a travel focused card best suited for people who travel often. With an annual fee of Rs. 5,000 it is offered in three tiers: Silver, Gold, and Platinum. It offers various exclusive privileges across different categories along with travel. Following are some of the premium benefits offered with this card:

• Up to 5 EDGE Miles on every spend of Rs. 100.
• Up to 18 complimentary domestic lounge visits every year.
• Up to 12 complimentary international lounge visits every year.

It is a premium travel credit card by American Express and comes loaded with a plethora of travel benefits. It is definitely one of the best travel credit cards in India in the premium segment. Some of the travel benefits that come bundled with the American Express Platinum Travel Credit Card are as under-

• 4 complimentary domestic airport lounge visits every year (one per quarter) and complimentary membership of the Priority Pass lounge program.
• Upon achieving the stipulated spending milestones, you will receive vouchers from leading hotel chains, such as the Taj SeleQtions and Vivanta hotels.

SBI Card has recently introduced three credit cards specifically tailored for the travel category. These credit cards, called “Miles” credit cards, offer generous rewards on travel-related purchases. Travel Credits earned with these cards can be redeemed for various travel-related expenses, such as air miles, hotel points, and travel bookings. Out of the three SBI Miles Cards, the Miles Elite Credit Card is the most premium option and is available for a joining fee of Rs. 4,999. With the Miles Elite Credit Card, you can enjoy up to 8 complimentary domestic lounge visits across airports in India. Furthermore, this card offers many benefits for international travelers, such as a low forex charge of 1.99%, Priority Pass membership, and worldwide international lounge access.

The World Safari credit card is a premium travel card offered by RBL Bank. It comes with a range of travel benefits, including a MakeMyTrip voucher worth Rs. 3,000 as a welcome benefit, a 0% mark-up fee on all foreign currency transactions, and the ability to earn Travel Points on all spending categories, which can be redeemed for flight and hotel bookings. Additionally, cardholders receive 2 complimentary domestic airport lounge visits per quarter and 2 complimentary international lounge passes annually as part of the Priority Pass membership.

Air India SBI Credit Cards:

The Air India SBI Platinum credit card is a co-branded travel credit card by SBI Card launched in collaboration with Air India. It can be considered a toned-down version of the Air India SBI Signature Credit Card. The travel benefits that you get with this credit card are summarised below-

• Complimentary membership of the Air India Frequent Flyer program.
• Accelerated Reward Points on spends on Air India tickets.
• The Reward Points earned can be converted into Air India AirMiles.
• 8 complimentary access to domestic airport lounges (max 2 per quarter) with the Visa Domestic Lounge program.

SBI Card offers two co-branded cards in partnership with Air India- the Air India SBI Signature Credit Card and the Air India SBI Platinum Credit Card. The Signature card is more premium than the latter. Air India SBI Signature Credit Card comes with an annual fee of Rs. 4,999 and comes packed with multiple travel benefits, particularly for Air India flyers. Some of the salient features of the Air India SBI Signature Credit Card are as under-

• Complimentary membership to Air India’s frequent flyer program, Flying Returns.
• Accelerated RPs on Air India flight bookings.
• The Reward Points earned are convertible into Air India AirMiles.
• 8 complimentary access to lounges across India every year (max 2 per quarter).

If you want a card that offers a high reward rate on Air India bookings, then this card is the best choice. Another option worth considering for Air India frequent flyers is the less premium Air India SBI Platinum Credit Card.

IRCTC Co-Branded Credit Cards:

The IRCTC HDFC Bank RuPay Credit Card is a recently launched travel credit card that comes with a nominal annual fee of Rs. 499 plus applicable taxes. The card rewards you in the form of Cash Points and you can earn up to 5 Cash Points on every Rs. 100 you spend using it. The following are some of the key features of this card:

• Amazon voucher worth Rs. 500 as an introductory benefit.
• 1 Cash Point on every retail spend of Rs. 100.
• 5x Cash Points on IRCTC spends.
• Free railway lounge access four times every year.
• Spend-based renewal fee waiver.

IRCTC Rupay SBI Credit Card is very similar to the IRCTC SBI Platinum Credit Card in terms of the benefits that it offers. The travel benefits that this credit card offers are as under-

• You will receive a 10% value back on rail ticket bookings made on the IRCTC app or website, transferred to your IRCTC loyalty account.
• 1% transaction charges are waived off on rail ticket bookings via the IRCTC app/website.
• Reward Points gained on the card can be redeemed on the IRCTC app or website if the card is linked to the cardholder’s IRCTC account.

IndiGo Co-Branded Credit Cards:

6e rewards xl – indigo hdfc bank credit card.

It is a co-branded travel credit card by HDFC Bank in collaboration with Indigo Airlines. The card is best suited for frequent domestic flyers. The 6E Rewards XL Credit Card is offered in two variants- the free variant (zero membership fee) and the paid variant (membership fee of Rs. 2,500). The card comes with a plethora of travel benefits, particularly for domestic frequent flyers-

• The card earns reward points as IndiGo 6E Rewards, which are redeemable on the IndiGo 6E Rewards portal for 6E Rewards benefits, including booking Go IndiGo flights.
• As welcome benefits, you get a complimentary IndiGo air ticket and IndiGo Prime Add-on when you make a minimum of 3 transactions within 3 months of card setup. These welcome benefits are applicable for the paid variant of the card only.
• IndiGo 6E Rewards XL cardholders are also entitled to 8 complimentary lounge access every year (max 2 per quarter) at domestic airports across India

As IndiGo is the country’s largest domestic carrier, this credit card can be a really good choice for those who travel frequently within the country.

It is another co-branded travel credit card issued by HDFC Bank and launched in collaboration with Go Indigo. It is the less premium variant of the 6E Rewards XL card. It also comes in two variants- a free variant and a paid variant (annual fee of Rs. 700). The 6E Rewards IndiGo card comes with the following travel benefits-

• You earn Reward Points as 6E Rewards on all spending categories (the reward rate is lower than the XL variant, though) and accelerated 6E Rewards on IndiGo ticket bookings.
• 1 complimentary IndiGo Add-on and on making a minimum of 3 transactions in the first three months of card issuance get a complimentary air ticket (worth Rs. 1,500) (at least 1 transaction per month). The welcome benefits are applicable only for the paid variant.

The aforementioned travel benefits make this credit card a decent choice in the travel category. However, before making the final decision, you must compare its benefits with those of the more premium XL variant.

Air Vistara Co-Branded Credit Cards:

The Axis Bank Vistara Signature Credit Card is a mid-range travel credit card designed for frequent domestic flyers, offering numerous travel perks. With a joining and renewal fee of Rs. 3,000, it provides benefits such as a complimentary premium economy ticket upon joining and renewal, Club Vistara Silver Membership, and up to 8 domestic lounge visits annually. Cardholders earn 4 CV points per Rs. 200 spent, which can be redeemed for flights and upgrades. Additionally, significant milestone spends can earn up to 3,000 bonus CV points and four premium economy tickets each year. Other perks include golf privileges, insurance covers, and dining discounts, making it a comprehensive travel card for frequent travelers.

The Club Vistara SBI Card Prime offers many travel-related benefits, especially those regarding flying and Club Vistara. In addition to free airport lounge access, this card offers many discounts and the generous welcome benefit of a free premium economy ticket. Cardholders can earn 4 CV Points on each eligible spend of Rs. 200. These CV Points can later be used to book flights or upgrade flying privileges.

This is a co-branded card launched by IDFC First Bank in partnership with Air Vistara. The card has a joining fee of Rs. 4999 plus taxes and is a great choice for regular Air Vistara travelers. As a welcome benefit, the card offers a complimentary premium economy flight ticket, class upgrade voucher, and Club Vistara Silver tier membership.

• Complimentary Premium Economy flight ticket, Class Upgrade voucher, and Club Vistara Silver Tier membership as welcome benefit
• Up to 6 CV Points per Rs. 200 spent on the card
• Up to 5 complimentary Premium Economy flight tickets as milestone benefits
• 2 complimentary domestic and 1 international lounge access
• 4 complimentary green fees golf rounds per year

Mariott Co-Branded Credit Card:

The Marriott Bonvoy HDFC Credit Card is a first-of-its-kind co-branded credit card. For the first time, a card has been issued in partnership with a hotel chain. This card offers the Marriott Silver Elite status, which provides discounted stays, dining offers, and a lot more. You are also provided with international and domestic lounge access with this card. One of the most exciting benefits of this card is the welcome gift of 1 Free Night Award. Earn 8 Reward Points per Rs. 150 spent with the Marriott Bonvoy program.

Travel Platform Co-Branded Credit Cards

The AU ixigo Credit Card is the first co-branded card by AU Bank. This card offers great traveling benefits including zero forex charges, airport lounge access, and discounts while booking with ixigo. One of the most attractive features of this card is that it can be availed as lifetime free. Earn accelerated reward points for travel-related and online spends. Reward points are valid for a period of two years and can be redeemed for travel vouchers and discounts.

Available at a low joining fee of Rs. 350, the SC EaseMyTrip Credit Card is beneficial for those who travel often and make bookings through the popular platform EaseMyTrip. With this card, you can avail of discounts on hotel, flight, and bus ticket bookings. You will also be offered a decent number of free airport lounge access to relax while you travel. This is a great card for first-time users and those who are looking for a simple entry-level card without any huge joining fees.

This is another co-branded credit card launched by the ICICI bank in collaboration with the travel portal MakeMyTrip. This credit card comes bundled with the following travel benefits-

• You earn Reward Points as My Cash which is transferred to your MakeMyTrip MyWallet and can be used to make bookings on the MakeMyTrip portal (1 My Cash = Re. 1).
• As a joining benefit, you will receive Rs. 1,500 My Cash, a complimentary MMT BLACK exclusive membership, and a MakeMyTrip holiday voucher worth Rs. 2,500.
• Complimentary railway and domestic & international airport lounge visits.
• Complimentary Airtel international roaming pack worth Rs. 3,999.

As is obvious from the name, it is a co-branded credit card by SBI Card launched in collaboration with the travel portal Yatra. It is an entry-level travel credit card and comes with the following travel benefits-

• Gift vouchers worth Rs. 8,250 from Yatra as a joining benefit.
• Discounts on domestic and international flight bookings via Yatra- Rs. 1,000 off on domestic flight bookings (minimum transaction of Rs. 5,000 required) and Rs. 4,000 off on international flight bookings (minimum transaction of Rs. 40,000 required).
• 20% off on domestic hotel bookings via Yatra- minimum transaction of Rs. 3,000 required and max discount capped at Rs. 2,000.
• Complimentary air accident cover worth Rs. 50 lacs (applicable in case of loss of life).

Etihad Airways SBI Credit Cards:

It is another co-branded travel card by SBI Cards in collaboration with Etihad Airways. Unlike the Etihad Guest SBI Premier Card, which is a premium card in the travel category, this one is a mid-level offering by SBI cards. The annual fee for this co-branded credit card is Rs. 1,499 per annum. The travel benefits that come bundled with this credit are as under-

• Complimentary Etihad Silver Tier Status, 2,500 Etihad Guest Miles as a welcome gift.
• The card rewards you with Etihad Guest Miles, including all categories, accelerated Etihad Guest Miles on Etihad.com, and international spends.
• Discount on Etihad economy and business class ticket bookings and on Etihad Guest Miles redemption.
• You will receive 8 complimentary domestic airport lounge access per year (a maximum of 2 per quarter) and a complimentary Priority Pass membership worth USD 99.
• Travel-related insurance benefits include a personal air accident cover worth Rs. 25 lakhs and a baggage cover worth USD 1,000.

Etihad Guest SBI Premier Card is a premium travel credit card by SBI Card in collaboration with the UAE-based Etihad Airways airline. With a membership fee of Rs. 4,999, the card offers a plethora of travel benefits. Some of the salient features of the card are as under-

• Etihad Gold Tier status and 5,000 Etihad Guest Miles as welcome benefits.
• You earn Etihad Guest Miles on all categories of transactions with the card (accelerated Etihad Guest Miles on Etihad.com and international spends).
• You get a 10% discount on direct Etihad Airways bookings and a 10% discount on rewards/miles redemption.
• You get 8 complimentary domestic lounge passes every year (a maximum of 2 per quarter) and 4 complimentary access to international lounges every year (a maximum of 2 per quarter).
• As a card member, you are also entitled to complimentary overseas air accidental insurance worth Rs. 50 lakh and a cover worth USD 1,000 against the loss of check-in baggage.
• With the card, you also get 1 Etihad companion voucher per annum on an annual expenditure of a minimum of Rs. 8 lacs.

Considering all the aforementioned travel benefits, it’d be safe to conclude that if you are looking for a premium credit card and are a frequent flyer to Middle Eastern destinations, including Dubai, you can not go wrong with the Etihad Guest SBI Premier Card. It offers a fairly high reward rate, particularly on the Etihad Airways portal. On top of that, you also get a 10% discount on bookings made directly on Etihad.com.

Emirates Co-Branded Travel Credit Cards:

The Emirates Skywards ICICI Bank Sapphiro Card is another card that was launched along with the Emirates ICICI Bank Emeralde Card. It comes with an annual fee of Rs. 5,000 and welcomes its customers with 5,000 bonus miles. Following are some of the most premium benefits of this card:

• 2 complimentary domestic lounge access and spa sessions every quarter.
• 2 complimentary international lounge access every year.
• Complimentary Emirates Skywards Silver Tier membership.

Features and Benefits of Travel Credit Cards

Travel credit cards can be either generic or co-branded (launched in partnership with an airline like Air India, or in some cases, IRCTC or even travel portals like MakeMyTrip, Yatra, etc.). Co-branded travel cards, as you can guess, offer special benefits on spends on the partner airline and/or earn rewards as the partner airline’s AirMiles which are credited to the airline’s frequent flyer program.

Generic travel credit cards, on the other hand, either earn Reward Points at an accelerated on travel-related spends or offer travel-related value-added privileges like complimentary hotel loyalty program membership or a complimentary night stay at partner hotels, etc.

Both co-branded, as well as generic travel credit cards, usually offer complimentary airport/IRCTC lounge access and a comprehensive insurance plan along with multiple travel insurance covers. Some of the features and benefits that one expects from a travel credit card are-

Complimentary Lounge Access: Almost all travel credit cards offer complimentary airport or IRCTC railway lounge access. Entry-level and mid-level travel credit cards offer only domestic airport lounge access and/or IRTC lounge access, while premium travel cards usually also offer complimentary international airport lounge access or at least a complimentary membership to the Priority Pass lounge program.

AirMiles: This applies only to co-branded travel credit cards. Co-branded travel credit cards launched in collaboration with an airline often earn Reward Points as the partner airline’s AirMiles. For example, Air Vistara co-branded credit cards by Axis Bank and IndusInd Bank earn Reward Points as Club Vistara (CV) Points, and GoIndiGo co-branded credit cards by HDFC earn Reward Points as IndiGo 6E Rewards.

Hotel Loyalty Program Membership/Stay Vouchers: Some premium travel credit cards also offer complimentary membership in certain hotel loyalty programs or complimentary stay vouchers at partner hotels. For example, the American Express Platinum Travel Credit Card and the RBL World Safari Credit Card offer complimentary Taj stay vouchers/gift cards.

Welcome/Milestone Benefits: Many travel credit cards offer travel vouchers (like hotel stay vouchers or gift cards) as a welcome benefit upon card membership or as a milestone benefit upon achieving the stipulated spend milestone. Some travel cards also offer complimentary flight ticket(s) as a welcome benefit or as a milestone benefit.

Accelerated Reward Rate on Travel Spends: Some travel credit cards earn Reward Points/Miles at an accelerated rate on travel-related spends. For example, Citibank PremierMiles Credit Card earns Citibank Miles at an accelerated rate (10 Miles/Rs. 100) on airline spends with the card, while the usual reward rate of the card is just 4 Miles per Rs. 100 spent.

How to Compare Travel Credit Cards?

Travel Credit Cards, as you know offer special travel benefits to the cardholder. These benefits may come in a number of different forms including complimentary airport/IRCTC railway lounge access, complimentary hotel stay vouchers/hotel loyalty program memberships, Reward Points such as AirMiles, bonus Reward Points/Miles on travel spends, etc. Now since different travel cards come with different types of travel benefits, it is many times difficult to objectively compare two credit cards. For example, how would you compare a travel credit card like the American Express Platinum Travel Credit Card that earns offers complimentary domestic airport lounge access and Taj Stay vouchers (on meeting the spending targets) with a card like Axis Bank Vistara Infinite Credit Card that earns RPs as Club Vistara (CV) Points?

If you have to choose a travel credit card for yourself, our suggestion would be that you must be very clear about your requirements- for example, you must decide whether the majority of your trips are going to be only within India or will you be frequently traveling to foreign destinations as well. Listed below are some of the pointers, rather some of the parameters, that one must keep in mind to compare travel credit cards and before making a call on which travel credit card will suit you the best-

Co-Branded vs Generic Travel Credit Cards

Many credit card issuers tie up with airlines, IRCTC, or holiday booking portals (like MMT or Yatra) to launch co-branded credit cards. These co-branded cards offer extra benefits on spending at partner merchants. A co-branded credit card may be a good pick for you if you prefer a particular airline over others or if you prefer railways over airways as a mode of transportation.

For example, an IndiGo or Vistara co-branded credit card may be a good pick for a frequent domestic flyer, while an Etihad or Emirates co-branded card might be the best fit for someone who frequently travels to Gulf destinations like Dubai.

On the other hand, a generic travel credit card may be the best-suited one for you if you have no specific preference for a particular airline or travel portal. A generic travel credit card like the AmEx Platinum Travel Credit Card or RBL World Safari Card will almost always offer complimentary access to domestic/international airport lounges and a higher reward rate on travel spends or international transactions made with the card.

Airport/Railway Lounge Access

Almost all travel credit cards offer complimentary airport or railway lounge access. While entry-level and mid-level travel cards usually offer lounge access only at domestic airports or at railway stations, premium travel credit cards also offer complimentary lounge access at international airports or at least complimentary membership of a lounge access program like Priority Pass .

If travel experience matters to you a lot, complimentary lounge access is definitely one of the important matrices that you must consider while choosing a travel credit card. If you travel to nearby places within India, an IRCTC co-branded travel credit card that offers complimentary railway lounge access can be a great pick for you. Also, if you frequently travel by air within the country, you may consider a travel credit card that offers complimentary domestic airport lounge access, while you might ignore the international lounge benefit. However, if you are a frequent international flyer, you must make sure that the travel credit card you choose offers a certain number of complimentary airport lounge access at international airports as well.

Another point worth keeping in mind is, that if you are looking for a credit card just for the lounge access benefit, sometimes generic credit cards (which are not particularly travel-centric cards) offer more (sometimes even unlimited) lounge access at airports/railway stations. For example, if you require a credit card just for railway lounge benefit, IDFC FIRST Credit Cards offer 4 complimentary IRCTC lounge access every quarter at select railway stations across the country which is more than what any of the IRCTC co-branded credit cards offer.

Similarly, HDFC Infinia and Diners Club Black Credit Cards offer unlimited international airport lounge access to both primary as well as add-on cardmembers, a benefit that you do not get with most premium travel credit cards. The following table summarises the railway/airport lounge access feature that you get with the aforementioned travel credit cards-

Hotel Loyalty Program Membership/Hotel Stay Vouchers

Some premium travel credit cards offer complimentary vouchers from premium hotel chains. For example, the American Express Platinum Travel Credit Card, one of the great travel cards in India in the premium segment, offers complimentary Taj Stay vouchers upon meeting spending targets. This benefit may be important for you if you want to enjoy a premium travel experience without any compromises.

Foreign Currency Mark-up

The usual foreign currency mark-up fee as applicable for most credit cards is about 3.5% of the conversion amount. Some travel credit cards charge a lower or sometimes even zero mark-up fee on international currency purchases. For example, a zero forex mark-up fee is charged on international transactions done with Club Vistara IndusInd Bank Explorer Credit Card and RBL World Safari Credit Card, while a lower foreign currency mark-up fee of just 2.5% is applicable on 6E Rewards XL – IndiGo HDFC Bank Credit Card. If you are a frequent flyer to global destinations, you should definitely consider this benefit while choosing a travel credit card for yourself, unless you plan to use a prepaid forex card for all foreign currency transactions.

How to Find The Right Travel Credit Cards?

In order to find the right travel credit cards for yourself, you will have to understand your travel requirements first. If you travel very often, you should go with premium travel credit cards irrespective of their higher fees as you would be able to save even more using these cards if used wisely. On the other hand, if you travel only once or twice every year, you can go with the basic travel cards that come with lower fees and offer 2-4 complimentary lounge access yearly. Other factors that you need to understand are whether you should choose co-branded or non-co-branded cards. If you travel via a particular airline frequently, you can go with a co-branded credit card issued by that airline.

How Do Travel Credit Card Reward Points Work?

Credit Card Points are the rewards you earn when making purchases using your credit card. Some cards offer accelerated rewards in certain categories, and travel credit cards generally come with a higher reward rate in travel categories, such as flight and hotel bookings. These points work as your savings, as they can later be redeemed against many options and even against the card’s outstanding balance. Let us understand this using a simple example.

Suppose you have a credit card that offers air miles on all your spends and you have earned 10,000 Airmiles so far with every air mile equivalent to Re. 1. Now, if you want to book a flight worth Rs. 30,000, you can use these Airmiles and pay rest of the amount in cash. This is how you will be able to book a flight worth Rs. 30k with Rs. 20k only. Similarly, you can use Reward Points against other categories as well, such as shopping, dining, etc.

Do’s and Don’ts While Using a Travel Credit Card

It is never a good idea to go with a card without knowing how you can use it for maximum benefits and whether it will be worth it or not. Here are some important do’s and don’ts that you should keep in mind while using a travel card:

• Make sure to understand your travel requirements before you choose a travel credit card for yourself.
• If you have complimentary lounge access with your credit card, you should register it as soon as you receive your card or at least understand the process so that you don’t face any difficulties at the last minute.
• Redeem your reward points/Airmiles against a category that gives you the maximum conversion value.
• Never let your rewards/air miles expire without redeeming them for your benefit. You should be aware of the validity of your card’s reward points and redeem them before the expiry date.
• Don’t delay or miss your credit card bill payments, as the additional charges, such as interest and late payment fees, might be even more than the benefits that your card offers.
• Before making any large purchases, check if you can use your rewards to get some vouchers that will reduce your overall spending.

Why Apply for a Travel Credit Card?

Travel credit cards are very advantageous for frequent travelers, but at the same time, you should also keep the fact in mind that these cards generally come with a higher annual fee. So, you should not just go with a travel credit card randomly, but get it only if you are someone who has all the following requirements:

• You travel domestically as well as internationally very often . However, basic cards are always good even if you travel only once or twice every year, but don’t get a super-premium card with a high annual fee in that case.
• You don’t want to compromise on your luxuries even when you are traveling. One of the biggest reasons travel cards have a high annual fee is that they offer complimentary lounge access and many more exclusive privileges, such as deals and discounts on flights and premium hotel bookings.
• You are a responsible credit card user. If you are not responsible enough to use a credit card, you won’t be able to maximize the benefits of a travel credit card and you will just end up paying a high annual fee without any benefits.

How to Apply for Travel Credit Cards in India?

The application process for a travel credit card, just like any other credit card, is usually very simple. You can apply for travel credit cards through Card Insider-

• Visit the review page of the credit card you want to apply for on Card Insider.
• Click/tap on the “Apply Now” option.
• You will be redirected to the official credit card page on the card issuer’s website.
• You can now proceed with the application on the card issuer’s website by entering the requested details in the designated fields.
• Once you have successfully submitted your credit card application, the card issuer will evaluate it to determine your eligibility for the card you applied for.
• If you are eligible for the card, the card issuer will mail it to our address, usually within 15 days of your application submission.

Best Credit Cards with No or Less Foreign Currency Mark-up Fee

Almost all credit cards charge a mark-up fee on foreign currency transactions. The usual mark-up fee is 3.5% of the conversion amount. However, some premium and mid-range travel credit cards have a foreign currency mark-up fee that is either zero or very low. Some of such travel credit cards are RBL Bank World Safari Credit Card, Club Vistara IndusInd Bank Explorer Credit Card, and IndiGo 6E Reward XL HDFC Bank Credit Card.

It is worth noting that some other premium credit cards, in addition to these travel-specific credit cards, offer a lower foreign currency markup. For example, the foreign currency markup fee charged on HDFC Infinia and Diners Club Black Metal Credit Cards is also less than 2%.

Bottom Line

As you can see, there are various credit card sub-categories within the travel category, which are targeted towards specific customer niches. For example, if you’re a frequent domestic flyer, a co-branded credit card by IndiGo or Vistara would make more sense for you than an Emirates of Etihad credit card. Similarly, if you prefer trains over flights, IRCTC cards will best suit your needs. Therefore, it becomes important to choose the right travel credit card considering your travel needs.

You must use Club Vistara IDFC First Credit Card if your rent is above Rs. 23,000 per month. You can get 3 Premium Economy Tickets easily + 8,000 CV Points (equivalent to 2 Economy Tickets or 1 Premium Economy Ticket). That’s a total of 4 Premium Economy Tickets worth Rs. 30,000! (Assume 7500 per ticket) That’s an effective return of approx. 10%

Hello I am using Axis Ace card and Samsung Infinite Credit card want Visara Infinite Credit Card I called customer care to upgrade to Vistara infinite card they said not eligible for Vistara Infinite Credit card, but I want this card so please let me know how can I own this card.

Rather than apply for the Infinite variant, you can try applying for the Vistara Signature or Platinum ones. Although with the Air India and Vistara merger, it’s best to wait.

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10 Best Credit Cards for Travel in India

• September 20, 2023
• 25 min read

Do you want to roam around the world with lots of offers in your pocket? Then scroll through our exhaustive list of the best credit cards for travel in India covering the fee, benefits, rewards, and other offers.

As 2019 is at its midway, who doesn’t want to see the world and explore? Almost all the people you know must be busy making ambitious travel plans? You need to estimate all in advance be it the flight costs or the right hotel of your budget. These days you can find a lot of attractive travel packages if you use your credit card to book these travel packs and enjoy all the offers and benefits.

To make it more rewarding, banks recommend travel credit cards for frequent travelers to avail of such offers like bonus miles, lounge access, travel membership, and a lot of other privileges. It makes traveling more convenient and a lot more enjoyable as you spend a significantly less amount than what you would have paid not using your credit card.

Also, credit cards make a scope of substantial savings as swiping your card would get you quite a good number of discounts and redeemable points.

The travel credit cards are a boon for all travelers, which helps them transact without carrying any foreign currency. If you frequently travel, whether it is for work or pleasure, you must know the benefits of a travel credit card.

Let’s look at the various benefits of using a Travel Credit Card.

• Earn reward or payback points every time you use the card: Generally, the travel credit cards offer reward or payback points in two ways – first, when you get the substantial sign up bonus and second, whenever you use your card for making a transaction whether online or physically.
• Zero foreign transaction fees:  Almost all credit and debit cards charge a specific transaction fee whenever you make a payment in foreign currency, or you use it in a foreign country. Generally, the fee is around 2.5% to 3% of the transaction amount, which can be a burden on your monthly credit card bills and become a financial threat in your life, this is where travel credit card comes in as the best travel credit card in India comes with zero foreign transaction fee.
• Insurance against accident/mishap:  The best travel credit card provides travel insurance or travel accident cover, which helps you in claiming a reimbursement if any mishap happens to you or your family members during your trip.

There are many more benefits to taking the best travel credit card, and to help you select the best credit card for travel, we have some suggestions that can help you stand out and help you save a huge amount of money:

1.Axis Bank Privilege Credit Card

This credit card requires you to spend 2.5 Lakh and doing so will later make you eligible to get INR 7500 value back as reward points & travel vouchers from Yatra. Every traveler would prefer owning this credit card because its greatest feature is 100 percent acceptance, so you need not worry about the time and place you are using it.

The special thing about vouchers is that it can be used for domestic/international flights, hotels, and holiday bookings as an additional perk.

Eligibility:

• Primary cardholders should be between 18 to 70 years of age.
• He/She must be a resident Indian or an NRI.
• Having an active credit history.
• Able to submit relevant documents.
• It is mandatory to use your credit card at least three times in 2 months.
• You can redeem 12,500 Reward points.
• You can use a single voucher at a time. Also, for a single booking, you can’t combine two vouchers.
• It is valid for 4 months.
• Cardholders get 2 complimentary lounge access to domestic airport lounges per quarter.

Axis Bank Privilege Credit Card Reward points

• It has a reward rate of 1% which means 10 Points on every INR 200 spend.
• As you spend INR 2,50,000, you can get Yatra vouchers worth INR 5,000. That a reward rate of 2%.

Keeping in mind the perks received from both reward points and travel vouchers, it makes up to a total of a 3% reward rate that is almost near to rewarding rates on super-premium credit cards. Thus to enjoy this credit card to its credit advantage, you need to spend a minimum of INR 2,50,000.

Fees and Charges:

2.HDFC Diners Black Credit Card

This credit card is a must-own for air travelers. The HDFC’s Diners Club Black super premium credit card gives you unlimited access to airport lounges with no extra cost. The credit card allows you to enjoy 700+ lounges in India and worldwide with no specific requirement of having a priority pass.

In addition to it, the credit card allows you 5 reward points worth INR 5 on swiping of INR 150. Thus you can save 3.3% directly using this credit card in your travel as well as day to life.

Annual Charge and Perks

Its annual fees depend on two patterns that are the first year and then from the second year onwards.

For the first year, it is INR 10,000. You need to spend INR 5 lakh to get next year’s fee waived. From the second year onwards the fees that you need to pay annually are INR 5,000.

If you have a close look at the welcome gifts are equal to the annual fee. Thus you can avail of all the benefits with no pressure on your pocket.

Also, there is a necessary condition with this credit card that you should have a minimum annual income of INR 21 Lakhs to own this credit card.

• You will get INR 2 Crores of Air accident cover, INR 50 Lakhs cover for Emergency medical expenditures, INR 9 Lakhs cover for Credit card liability and INR 55,000 Travel insurance cover on baggage delay as well.
• You should have this credit card to get the free lounge access and enjoy the luxury.
• Earn 5 reward points for every Rs.150 spent on the card except on fuel transactions.
• Welcome Gift and the renewal bonus points. For the First-year you are entitled to a welcome gift of 10000 points. And when you renew your credit card, it offers you 5000 rewards points.
• Enjoy exclusive discounts at leading spas, salons, and gyms.

Eligibility :

3.ICICI Sapphiro Credit Card

There are two types of ICICI Sapphiro Credit Cards

• Sapphiro Mastercard: Sapphiro Mastercard allows you 2 payback points per INR 100 on domestic 4 payback points on the international one.
• Sapphiro Platinum American Express Card: Sapphiro Platinum American Express Card allows you 3 payback points per INR 100 and 6 payback points on domestic and international spending, respectively.

To add on you would get complimentary 2 international and 16 domestic airport lounge visits every year with both the options of credit cards available to you.

Annual charges

For the first year, the annual charges are INR 6500, and after that, the renewal fee that you need to pay is INR 3500 which can be waived off in case your spending makes up to INR 6,00,000.

The ICICI Sapphiro credit card offers you plenty of welcome benefits of worth INR 10,000. The details of the vouchers include Shoppers Stop Voucher worth INR 3000, 4 EaseMyTrip Vouchers worth INR 1000 each, 4 Ola vouchers worth INR 250 each, 2 Zomato vouchers worth INR 500 each, Croma Voucher worth INR 1000.

4000 Payback points on spending INR 4 Lakhs and an additional 2000 payback points each time you cross INR 1 Lakh in the years to come are also offered.

• Only Indian Citizens can apply for this credit card.
• He/she must be over 21 years but below 65 years of age.
• The applicant must have a regular source of income.
• The customer must have all the necessary documents.
• Renewal Fee Waiver – The renewal fee is waived off if the user spends Rs. 5.00 lakh in the previous year.
• Movie Offers –  Customers get a free movie ticket, worth up to Rs.500, on every movie ticket they purchase.
• Milestone Benefits – 1.) 4,000 points on spending Rs. 4.00 lakh 2.) Additional 2,000 points on crossing Rs. 1.00 lakh 3.) Maximum 20,000 points can be earned in a year

Several other benefits of the credit card are offered to you if you go for this travel credit card like 1 payback points on INR 100 spent on fuel, utilities, and insurance, get up to INR 500 off on the second ticket you buy, 15% savings on eating out, 4 complimentary rounds of golf each month at the golf course,1% fuel surcharge waiver and 2 complimentary domestic airport spa visits in a year.

4.Kotak Royale Signature Credit Card

Royal signature credit card is the most appropriate for the out of box travelers who like spending on travel agencies, tour operators.

• Age limit between 21 to 65 years.
• He/she should have an annual income above Rs.24 Lakhs.
• He/she should be a Resident of India.
• The Kotak Royale Credit Card gives 4X bonus points per INR 150 spend on Air ticket bookings, hotels, restaurants, travel agencies & tour operators and package tour operators spend.
• It allows you 8 complimentary domestic lounge access every year.
• The annual charges are the most reasonable here INR 999 and a waiver on the spend of INR 1,00,000. Also, the welcome gift for cinema lovers is a Bookmyshow voucher.
• Spend of INR 4,00,000, you get 10,000 reward points, and with the spending of INR 8,00,000, you get 30,000 reward points.
• Enjoy 1% fuel surcharge waiver, while booking train ticket INR 500 of railway surcharge waiver on www.irctc.co.in.
• It also provides a recovery INR 2.5 Lakhs of in case the is a Credit Card stolen.

5.American Express Platinum Travel (Amex)

What makes Amex Platinum Travel credit card the best credit card for travel in India is that the credit card allows you free lounge access and a great deal of travel gift vouchers.

It gives you the benefit of having access to 4 complimentary lounges visit in a year. It provides you worth INR 17, 000 one of the best deals for a travel voucher,

Also if you spend more than INR 4 Lakhs in a year, you can have the benefit of having Taj Hotel Gift Vouchers at your ease.

Annual Charges and Perks

The annual charges for the First-year are INR 3500 and INR 5000 from the second year onwards.

The other such perks you get for owning this travel credit card are that it gives you a travel voucher on spending more than INR 1.9 Lakh in a year worth INR 6,000. Beyond the spend of INR 4,00,000, you get 10000 milestone reward points.

As you hit the 4 Lakh milestone on your credit card, you get the premium Taj Hotel gift voucher  worth INR 10,000.

Its additional advantages include it offers you 1 reward point per INR 50 spent, the value of each reward point is min 40 paise, it makes to a suitable travel credit card as it gives you several offers on MakeMyTrip, it gives you a lot more redemption options, and it has a zero lost card liability.

6.Yes Preferred Credit card

Yes, Preferred Credit Card is one of the best travel credit cards that offer complimentary 4 international and 12 domestic lounge visits each year.

• Spend Rs. 7.5 lakh in a year and earn 20,000 bonus reward points.
•   Make the first transaction within 90 days of card issuance and get 15,000 bonus reward points. Get 10,000 extra reward points on each renewal.
• Yes Preferred Credit card user can easily convert reward points into JPMiles (4 Points = 1 JPMile)
• Complimentary Priority Pass Membership giving 4 complimentary visits to the primary cardholder in a calendar year.
• You can get up to 36000 bonus points in the very first year. You get 15000 points as a welcome gift, 20,000 milestone points on spending INR 7.5 Lakhs. You earn 1000 points on every YES PayNow registration. These reward points can be redeemed for hotel and flight bookings.
• Enjoy fuel surcharge waiver across all fuel stations in India for transactions between Rs. 400 and Rs. 5,000.

Yearly Fees & Renewal Fees of INR 2500. Apart from this, you get 15000 points in the first year and 10000 points on each renewal of your credit card.

The other significant benefits of owning this credit card include 8 reward points on travel agencies & tour operators, Indian airlines and eating out, 4 reward points on all types of spending, Preferential foreign currency markup of 1.75%. You get a Life Insurance Cover of INR 1.5 crore for flight accidents, medical insurance coverage of INR 2.5 Crore when traveling overseas and credit card cover if accidental death of primary cardholder takes place.

You can own a Yes Preferred credit card if your monthly income is INR 2 Lakhs or above or you can get the card by making a fixed deposit of INR 3 Lakhs and above.

• He/She be a minimum of 21 years.
• He/She is not over 60 years.
• Your minimum net monthly salary should be Rs.2 lakh.
• If you are self-employed, your Income Tax Return should be Rs.24 lakh or more.
• Or, you should have a fixed deposit with YES Bank of Rs.3 lakh or above.

7.Citi Premier Miles Credit Card

Booking your tickets with any airlines using the Citi PremierMiles credit card and doing so will fetch you 10 miles for every INR 100 spent.

You are also entitled to 8 complimentary domestic lounge access per quarter on Visa Signature card and can enjoy 6 domestic lounge visits access MasterCard World card every quarter. The important thing here to take note of is that there is no complimentary access to lounges internationally with the Citi Premier Miles Credit Card.

Annual charges of the credit card are INR 3000. Also in case you are a premium customer, you get waived from the charges for the first year.

The privileges you enjoy as the welcome gift includes with your first swipe of INR 1000 you get 10,000 Miles. A perfect thing for travellers here is that this card gives you 3000 of travel miles even during the renewal and also these miles can easily be availed at a variety of websites while booking your tickets including MMT, Goibibo, Indigo, Yatra, Bookmyshow, IndianOil, Amazon, Flipkart for domestic and international airlines. The redemption value varies from one site to another.

The other such benefits include 4 Miles for every INR 100 spent; it also provides cover INR 2 Lakhs in case the credit card is lost. Up to 15% discount on dining at certain specific restaurants.

• He/She must be at least 21 years of age.
• He/She must be within 65 years of age.
• The income criteria differ from time to time and will be communicated when you apply for the card.
• You should be a resident of India or a Non-resident of India.

8.SBI Elite Credit Card

With 8 domestic and 6 international lounge access in a year SBI Elite Credit Card makes it the best travel credit card. To add on, it offers 10 points per INR 100 spent on dining, departmental stores, grocery & international spends.

Annual charges for the credit card are INR 4999, and you will get a welcome gift worth INR 4999, which automatically brings this card to you at no extra cost. You can get your annual charge waived if you spend INR 10,00,000 using your credit card.

The additional benefits include 10,000 bonus reward points on achieving annual spending of INR 3 lakhs and INR 4 lakhs and 15,000 bonus reward points on achieving annual spending of INR 5 lakhs and INR 8 lakhs.

These reward points can be used for travel booking. You would be surprised to know that you save 1.5% only through reward points itself.

Some other benefits that the credit card offers are 10 points per INR 100 spent on dining, departmental stores, grocery & international spends, 2 points per on all other spends, 9 Vistara points for every INR 100 spent on Vistara flight bookings., Free 2 movie tickets worth INR 500 every month, 1% fuel surcharge waiver, 1.99% foreign currency mark-up.

• He/She must be in the ages of 18-70 years.
• The add-on cardholder must be above the age of 15 years.
• The applicant must be a citizen of India.
• A credit score of 750 or above is essential to be eligible for the card.

9.SBI Air India Signature

SBI Air India Signature suits your need the best if you travel via Air India Flights. With this credit card when you use it to travel will fetch you 30 reward points per INR 100 spent on AirIndia tickets. Note that you get 30 points when you book it for yourself and 10 when you book it on behalf of someone else. It also gives you 8 complimentary lounge access in domestic airports. In the case of an International airport lounge, you have to pay $27 per visit through the Priority Pass Program.

An annual charge of bringing this credit card to use is   INR 4999

The welcome gift and reward you get on joining it are   20,000 reward points and later in the Second-year 5000 reward points. Also, you might get cumulative reward points of 1,00,000 as you cross the milestone. The other benefits include 4 Reward points for every INR 100 spent and 10 Reward Points spent on SuperSaver booklet being bought.

• You must be an Indian citizen.
• The age of the primary credit cardholder must be above 18 years of age.
• The applicant must have a high credit score.

10.SBI IRCTC Credit Card

It makes the best travel credit card for the railway traveler, designed explicitly for them. SBI IRCTC credit card is the only credit as such. It allows you a 10% discount and in case you prefer traveling in AC classes, the credit card provides you with plenty of reward points for booking in AC coaches.

You save 11.8% on all train travel spends, what else do you need. Also, it does not charge the transaction fees while you use the SBI IRCTC Credit Card. Note that you can redeem points only on the IRCTC website to be specific.

Annual charges of the credit card as minimal as INR 500 for the first year and after that renewal fees of INR 300 is charged from the next year onwards. You are also given 350 bonus points as a welcome gift.

The additional benefits of having the SBI IRCTC Credit Card are:

• It allows you 1 reward point on the spending of every INR 125 (except for fuel expenses).
• For the fuel, you get a 1% fuel surcharge across all petrol pumps.
• Using your credit card in the first 30 days allows you a cashback of INR 100 on its first swipe.
• He/she should be a Resident Indian.
• He/she should have a good credit history.
• He/she must be above 18 years and below 65 years of age.

Travel credit cards offer a comprehensive range of benefits that can be availed by the credit cardholders while relishing their holiday. From offering welcome gifts to providing complimentary airport lounge access and fee waivers, travel credit cards offer a wide variance of highlights and bonuses catering to the needs of frequent travelers. Thus get the travel card to make the greatest of our trip and have fun overseas without wasting much.

Sushma Singh

Sushma is an expert in online money-making strategies with extensive experience in business. She has spent a lot of time researching and writing about the ever-changing world of money-making games and websites, making her an expert at finding ways to make money online. Her work, largely based on research and useful information, helps both new and experienced gamers and business owners.

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Watch CBS News

What's the best credit card for travel perks?

By Jeff Wagner

May 28, 2024 / 10:10 PM CDT / CBS Minnesota

MINNEAPOLIS  — The summer travel season is now in full swing. And while the average cost of a flight is down compared to last year, there are still ways to save.

So, what's the best credit card for travel perks? Good Question.

More swipes equal more flights when your credit card rewards you for spending. 

"I have the United Adventure Card," said Katie Converse as she walked through Minneapolis-St. Paul International Airport.

"The card I use is a Chase Sapphire Card," added traveler Luke Bonney.

"The first one I got was called Capitol One Rewards," said Rebecca Hermos, who was traveling with her daughter, Rosalie.

All three agree that cashing in your miles and points feels great, especially if it lands them a free plane ticket.

The options for picking plastic that pays off feel endless, so what's best? Is it a card that offers travel miles? What about points? Getting cashback is also tempting.

"My weakness is this (card) also has that thing where you can delete purchases," said Hermos about her cashback option that eliminates purchases from her bill.

First tip: Know the difference between an airline credit card and a travel credit card.

An airline credit card lets you accrue miles to earn a free flight. They also include perks for faster boarding, free checked bags and the chance to earn "elite" status for how often you use the airline. The catch is you are tied to that specific airline.

"Sometimes they have a spending limit that if you achieve you get extra miles," said Converse of her United Airlines card.

Travel credit cards are more flexible with your rewards.

You get points, which can converted to get tickets to multiple airlines, as well as hotels and even cashback.

"You're not boxed in," said Hermos. "What if Delta doesn't fly where you want when you want?"

So, which is the better choice? It depends on your travel and spending habits. 

According to The Points Guy, airline credit cards are great if you fly often and if your local airport is a hub for that airline. Converse has a United Airlines card, in part, because Denver International Airport is a United hub.

If you fly less frequently and like to keep your options open for multiple airlines, as well as hotel stays, travel credit cards might be best.

"I know people who have a Southwest card and a United card and a Delta card," Converse said.

Why is it a good idea to only have one or just a few credit cards with rewards?

"I rack up more rewards and that way I'm not spread too thin," said Converse. 

She makes a good point. By limiting the number of perks credit cards, owners have a chance to maximize the rewards. It also puts them on a path to achieving a higher status with certain airlines.

Another tip to remember is to use the points quickly as they can lose value over time. That's why some financial experts say cashback is the most valuable option, especially when used immediately.

Lastly, pay your credit card balance each month in full. If not, the interest rate on your bill could lead to charges that outweigh the card's perks.

Some cards carry a high annual fee pushing $500 or more. Keep that in mind when choosing a card and whether your usage of the benefits offsets those initial costs. 

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Jeff Wagner joined the WCCO-TV team in November 2016 as a general assignment reporter, and now anchors WCCO's Saturday evening newscasts. Although he's new to Minnesota, he's called the Midwest home his entire life.

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