Top 5 Best Travel Credit Cards in India

Travel Credit Card

Plastic money or credit card is what we carry while travelling.There are number of choices available for travel credit cards. Travel credit card offers number of benefits, you can preload this card with currency of your choice, it offers you cash back rewards and allows you to earn airline mile also.

However, due to number of credit card options it is very difficult to select Best Travel Credit Card. I have reviewed number of traveller credit cards option in India and selected best credit cards in terms of extensive benefits.

Top 5 Best Travel Credit Card in India

Citibank PremierMiles Credit Card

Annual Fees – 3,000 Rs

Interest Rate – A variable interest rate ranging between 37.20% and 42.00% per annum.

Welcome Offers – 10,000 Miles with your first spend of 1,000 Rs using your Citibank PremierMiles Card within 60 days of Card issuance, 3,000 Miles on every subsequent annual card renewal.

Miles Earn Rate

  • Earn 10 Miles per ₹100 spent on all airline transactions
  • Earn 4 Miles for every Rs.100 spent on all other transactions

Best Features

  • Free Airport lounge access
  • Evergreen Miles that never expires
  • 24×7 SMS tracking of your Reward Points.

Also Read – Credit Cards for Students Travelling Abroad

American Express Platinum Travel

Annual Fees – 3,500 Rs

Interest Rate – 40.2% per annum

Welcome Offers – 5,000 Reward points

Miles Earn Rate

  • One reward point for every 40 Rs spent or 2.5 points for 100 Rs.
  • Five times the earn rate for spends on domestic flight bookings.
  • Ten points for every 40 Rs spent on platinum partner.

Best Features

  • Spend 1.9 lakh in a year and get up to two free return IndiGo Flight tickets.
  • On spending 4 lakh, you can get four free flights plus vouchers worth 10000 Rs from Taj Group
  • Zero lost card liability.
  • Enjoy benefits on your travel bookings with

HDFC Bank Regalia

Annual Fees – 9,999 Rs

Interest Rate – 23.88% per annum

Welcome Offers – 10,000 bonus review points

Miles Earn Rate

  • Four reward points for every 150 Rs spent or 2.66 points for 100 Rs.
  • Double the reward points on flight, hotel and movie ticket booked using HDFC credit card website.

Best Features

  • Complimentary Airport Lounge Access through Priority Pass Membership
  • Complimentary Club Vistara Silver membership
  • Lowest Foreign Currency Mark-up Fee of 2% on international transactions

You may like – 5 Best Credit Cards for Shopping and Cashback

Axis Bank Miles & More World Card (Co-branded with Lufthansa)

Annual Fees – 3,500 Rs

Interest Rate – 41.75% per annum

Welcome Offers – Welcome bonus 5,000 Miles

Miles Earn Rate

  • 4 Miles for every Rs. 200 of eligible spends
  • 20 Miles for every Rs. 200 for spends on movie bookings

Best Features

  • Your Miles never expires
  • Bill payment from any bank account
  • Fuel surcharge waiver

JetPrivilege HDFC Bank World Credit Card

Annual Fees – 2,500 Rs

Interest Rate – 23.88 % per annum

Welcome Offers – One complimentary Jet Airways Ticket (Base Fare Waived), avail up to 10,000 Bonus Miles, enjoy discount voucher worth Rs.750 when booking a return ticket on the Jet Airways website.

Miles Earn Rate

  • Earn 6 JPMiles on every Rs. 150 spent on retail expenses with your JetPrivilege HDFC Bank World Credit Card
  • Earn 18 JPMiles on every Rs 150 spent on every flight ticket booked on

Best Features

  • Avail of a 5% discount on all domestic air ticket (revenue flights) bookings, made on by entering the promo code JTHDFC in the promo field on the website.
  • Enjoy premier check-in for all domestic flights of JetAirways
  • Benefit from a 10 kg additional baggage allowance on all domestic JetAirways
  • Fuel Surcharge Waiver capped at Rs. 500 every billing cycle

Also Read – Best Credit Cards in India – Review & Comparison

Top 5 Best Travel credit cards given above are selected based on extensive research and data available over the internet. You should carry out an independent study before accepting any credit card offers. Some tips for selection of credit card are given below.

Useful Tips for travel credit card

Tip 1 – You should carefully look at reward program and mile benefits offered by card. Higher the rewards may lead to higher interest rates.

Tip 2 – If you are planning a foreign trip, make sure you inform your bank. Banks typically monitor transaction patterns and can suspend a card if an irregularity is detected.

Tip 3 – Get information about overdraft limit and late payment charges applicable on a credit card.

Tip 4 – You should select zero liability credit cards.

Tip 5 -Always choose a credit card that has excellent customer care support.

Tip 6 – If you have more than one travel card, dump the less rewarding ones and try to spend as much as possible on the remaining card

Tip 7 – Purchase credit card as per your need. Remember credit card can be a necessity but not luxury.

Which Travel credit card is used by you?

Do share your experience in comment section.

Share this knowledge:

Article by Raviraj

Raviraj is the man behind He is graduate in finance, engaged in blogging since 7 years. Moneyexcel blog is ranked as one of the Top 10 Personal Finance Blog in India. He is not affiliated with any financial product, service provider, agent or broker. The purpose of this blog is to spread financial awareness and help people in achieving excellence for money. Please note that the views expressed on this Blog/Comments are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment advice or legal opinion.

Subscribe to Blog

Enter your email address to subscribe to this blog and receive notifications of new posts by email.


  1. raj says:


    can you please explain how much miles are worth ? for example, how much worth are the 10000 miles we get with city bank credit ?


  2. Abdul Khadeer Khaleefa says:

    Dear Raviraj,
    You are doing great by providing so useful information. I would like to thank you for your endeavours
    for the benefit to all interested.

    Keep up your good work.


Leave a Reply

Your email address will not be published. Required fields are marked *