A travel credit card comes with lots of benefits both for domestic as well as international travel. That said, make sure to check out all the privileges and the terms and conditions before choosing one.
If you travel frequently, whether for business or leisure, having a travel credit card would be a wise choice. Not only you might end up saving a lot of money as upfront expenses, you would also end up collecting travel miles or points that you can later redeem for travel or hotel bookings.
Typically, these features are not available on rewards or cashback cards, which is why using a travel focussed credit card is a better option when planning for holidays.
That said, these typically come with a price which could range from anything between Rs 999 and Rs 4,999, excluding goods and services tax (GST). The renewal fee also costs practically the same.
That said, these cards also offer a plethora of benefits, including complimentary access to international and domestic airport lounges, direct discounts on flights and hotel bookings at select portals, air miles, and low foreign exchange mark-up fees, to name a few.
In addition, they also provide other benefits , such as baggage insurance, discount on tickets, extra baggage allowance, priority check-in, and the like. Some may also offer fine dining privileges at top restaurants and personalised 24×7 concierge services for all bookings.
Co-Branded Travel Cards
Travel credit cards are often co-branded with popular airlines and travel portals. These are ideal for those who prefer a particular airline or travel booking platform.
Says Rohit Chhiber, senior director and head of credit cards, Paisabazaar, a digital consumer credit marketplace: “Travellers who prefer Vistara Airlines can go for Axis Vistara credit cards or Club Vistara SBI credit cards as they can get complimentary membership to Club Vistara, earn Club Vistara (CV) Points, and also get free flight tickets on meeting certain conditions. Similarly, consumers who prefer EaseMyTrip can get Standard Chartered EaseMyTrip credit card which offers instant discounts on flights and hotel bookings made via EaseMyTrip.”