Planning a trip — whether domestic or international — often means juggling flight prices, hotel costs, and endless hidden charges. But with the right travel credit card, you can actually save money and earn rewards every time you book, swipe, or stay.
In 2025, several Indian banks and travel platforms are offering cards tailored specifically for travel lovers — from free airport lounge access to low forex charges and cashback on bookings. Here’s how you can make the most of them.
Why Choose a Travel Credit Card?
A good travel credit card does more than offer convenience — it brings real savings. These are the features that make travel cards worth it:
Reward Points & Miles: Earn points on every booking or travel expense, redeemable for free flights, hotel stays, or vouchers.
Low Forex Mark-up: Save money on international transactions with reduced foreign exchange fees.
Airport Lounge Access: Complimentary domestic and international lounge visits can make long layovers much smoother.
Travel Insurance Coverage: Protection against trip delays, lost baggage, or medical emergencies abroad.
Exclusive Partner Offers: Extra discounts on airline, hotel, and travel portal bookings.
Top Travel Credit Cards in India (2025)
Here are some standout options that combine value, perks, and flexibility for Indian travellers:
1. Axis Bank Atlas Credit Card
Best suited for frequent flyers and international travellers.
Offers EDGE Miles that can be converted into air miles.
Up to 8 complimentary international lounge visits per year.
2. HDFC Bank Regalia Credit Card
Great for travellers who prefer both luxury and security.
Provides global lounge access, comprehensive travel insurance, and high reward points on travel spends.
3. Standard Chartered EaseMyTrip Credit Card
Ideal for regular travellers who book online.
Instant discounts on flight and hotel bookings via EaseMyTrip.
Low annual fee and milestone travel vouchers.
🧳 4. SBI Yatra Credit Card
Co-branded with Yatra.com, offering up to ₹8,250 worth of vouchers.
Reward points on travel bookings and spends.
Complimentary air accident cover and travel insurance.
🚆 5. MakeMyTrip ICICI Bank Signature Credit Card
Perfect for budget-conscious travellers.
Provides MyCash rewards on bookings and free access to MMT Black membership.
Complimentary railway and domestic lounge visits.
Choosing the Right Card for You
Not every traveller needs a premium card. Here’s a quick guide to match your travel style:
Frequent Flyers: Choose premium cards like Regalia or Atlas for better insurance, global access, and point conversion.
Occasional Travellers: Go for mid-tier options like EaseMyTrip or Yatra SBI, which balance perks with low fees.
International Travellers: Pick cards with low forex charges and global lounge access to save on overseas spending.
Before finalizing, always compare annual fees, reward conversion rates, and partner networks. A slightly higher annual fee can be worth it if you travel often.
Tips to Maximize Travel Card Benefits
Use your travel card for all bookings — flights, cabs, hotels — to maximize reward points.
Keep track of bonus milestone spends to unlock free vouchers or extra miles.
Redeem points before expiry and check partner airline conversion rates.
Avoid carrying balances; pay your bills on time to make savings truly count.
Final Takeaway
Travel credit cards in 2025 are not just about luxury perks — they’re about smart financial planning. Whether you’re flying overseas or exploring India, the right card can turn every rupee spent into a reward.
So before booking your next trip, make sure your card works as hard as you do to make travel cheaper, easier, and more rewarding.
FAQs
1. Which is the best travel credit card in India for 2025?
Cards like HDFC Regalia, Axis Atlas, and EaseMyTrip Standard Chartered top the list for frequent travellers.
2. Do travel cards really save money?
Yes — through cashback, bonus miles, and discounts on travel bookings and forex charges.
3. Are there any no-annual-fee travel cards?
Some entry-level cards offer zero or low annual fees, especially when you meet annual spending thresholds.
4. Do these cards provide travel insurance?
Yes, most mid to premium cards include travel, medical, and baggage insurance coverage.
5. Can I use these cards abroad?
Yes. Choose cards with low forex markup fees (1.5–2%) for cost-effective international usage.
Published on : 30th October
Published by : SMITA
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