Best Travel Credit Cards in India

Key Advantages

• ✓ Instant reward point transfer to 16+ global airline & hotel partners (Singapore KrisFlyer, Asia Miles, Marriott, etc.)
• ✓ 4 reward points per ₹100 on flights, travel aggregators and foreign currency
• ✓ 4 complimentary domestic & 4 international airport lounge visits per year
• ✓ 20,000 bonus points on joining fully offsets the ₹5,000 joining fee

Key Advantages

• ✓ 0.99% forex markup, among the lowest available on any Indian credit card
• ✓ 1:1 point transfer to a wide range of global airline and hotel partners
• ✓ Unlimited complimentary domestic and international lounge access, plus 8 guest visits a year
• ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace

Key Advantages

• ✓ Unlimited complimentary domestic & international airport lounge access
• ✓ 25,000 EDGE Miles welcome bonus
• ✓ 35 EDGE Miles per ₹200 on travel bookings
• ✓ 1 EDGE Mile converts to 2 airline miles on transfer
• ✓ 8 complimentary golf rounds per year globally

Key Advantages

• ✓ 0.99% forex markup, among the lowest available
• ✓ 16 complimentary international airport lounge visits/year via Priority Pass
• ✓ Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
• ✓ Air accident cover up to ₹2 Crore
• ✓ Complimentary golf games & lessons (8/year)

Key Advantages

• ✓ 100% Lifetime Free travel credit card with zero joining and annual fees
• ✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
• ✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
• ✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
• ✓ RuPay credit card variant available with native UPI payment support

Key Advantages

• ✓ Domestic lounge access conditional on ₹1.5 lakh spend in the preceding quarter (1 visit unlocked per quarter, effective Apr 2026); international capped at 1 visit/quarter via Priority Pass
• ✓ Dedicated personal butler service & 24x7 Pinnacle concierge
• ✓ Golf membership & unlimited rounds at 9 premium courses in India
• ✓ Exclusive Pinnacle experiences, including luxury hotel upgrades and chef's table access
• ✓ Travel insurance up to ₹2 crore air accident cover

Key Advantages

• ✓ Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts
• ✓ 5 reward points per ₹100 on travel bookings
• ✓ 8 complimentary domestic airport lounge visits/year (2 per quarter), conditional on ₹35,000 spend in the preceding quarter
• ✓ 2 complimentary international lounge visits/year via Priority Pass
• ✓ Dedicated travel concierge assistance

Key Advantages

• ✓ Unlimited complimentary domestic and international airport lounge access, including a generous guest allowance
• ✓ 6 Reward Points per ₹200 spent (3% base rate) on all standard categories
• ✓ 2% forex markup on international spends, lower than most premium cards
• ✓ 1.99% monthly interest rate if you carry a balance, competitive for this card tier
• ✓ Dedicated concierge service for travel and lifestyle bookings

Key Advantages

• ✓ Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)
• ✓ Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests
• ✓ Zero forex markup on international spends

Key Advantages

• ✓ Instant discount and rewards on travel bookings at EaseMyTrip
• ✓ No minimum booking value condition on flight and hotel discounts
• ✓ Accelerated reward points on travel spends made directly on standalone brand websites other than EaseMyTrip
• ✓ No capping on the earned reward points
• ✓ Complimentary domestic lounge access at an exceptionally low annual fee threshold

Key Advantages

• ✓ Lifetime free, with zero joining or renewal fees
• ✓ Direct discounts on flight, hotel and bus bookings made through Ixigo
• ✓ Flat 5 Reward Points per ₹200 across all online and offline spends (revised from a higher online-only rate, effective Apr 2026)
• ✓ 8 domestic airport lounge visits and 8 railway lounge visits a year

Key Advantages

• ✓ No joining fee
• ✓ Same IndiGo flight reward rates as the unsecured version of this card
• ✓ A useful option for building or repairing credit history while still earning travel rewards
• ✓ Zero forex markup on international spends
• ✓ Domestic trip cancellation insurance included

Key Advantages

• ✓ 10 Air Miles per ₹100 on flights and hotels booked via Kotak Unbox, roughly 10% back in miles
• ✓ Zero forex markup on international transactions
• ✓ Unlimited domestic lounge access via DreamFolks and unlimited international access via Priority Pass, for primary and add-on cardholders
• ✓ Discounted stays and free nights at ITC Hotels, Elivaas Villas and Alaya Stays

Key Advantages

• ✓ Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card
• ✓ Airport meet-and-assist and luxury vehicle transfer services included
• ✓ Generous guest allowance for lounge visits
• ✓ Zero forex markup on international spends
• ✓ Companion airfare offers on select bookings

Key Advantages

• ✓ Unlimited complimentary domestic airport lounge access
• ✓ 15 reward points per ₹100 on dining, travel and international spends
• ✓ 2% forex markup on overseas transactions, better than most cards at this fee
• ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
• ✓ Preventive health checkup package for women cardholders

Key Advantages

• ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
• ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
• ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
• ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
• ✓ Trip cancellation insurance included at no extra cost

Key Advantages

• ✓ 36 reward points per ₹200 on online spends, one of the higher online earn rates available
• ✓ 1% forex markup, among the lowest available
• ✓ Points redeemable across airlines and a range of luxury vouchers
• ✓ Allows a generous allocation of up to 3 separate complimentary add-on cards

Key Advantages

• ✓ Up to 21 BluChips per ₹100 spent on IndiGo bookings
• ✓ Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
• ✓ Up to 8 domestic lounge visits a year with achievable quarterly targets

Key Advantages

• ✓ 0% forex markup on international spends
• ✓ Unlimited complimentary airport lounge access worldwide
• ✓ 3X reward points on dining and travel
• ✓ Issued as a metal card

Key Advantages

• ✓ Up to 16.7% value-back on hotel bookings and strong value on flights, both via the IDFC FIRST app
• ✓ 0% forex markup on international spends
• ✓ 25% discount on movie tickets
• ✓ A useful option for building or repairing credit history, since it's FD-backed

Key Advantages

• ✓ 2X reward points on weekend spending
• ✓ Lifetime free, with no joining or annual fee
• ✓ Competitive low foreign currency markup handling fee of 1.8%
• ✓ 1:1 points transfer to airline miles, and points never expire
• ✓ Earns rewards on typically excluded baseline bills like rent, utility, and insurance premium payments

Key Advantages

• ✓ Lifetime free, with no onboarding or annual fee
• ✓ 10X reward points on dining, travel and international spends
• ✓ Zero forex markup
• ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
• ✓ Lounge access, spa visits and golf rounds included (domestic lounge visits reduced from 4 to 2 per quarter, effective 1 May 2026)

Key Advantages

• ✓ 6 Etihad Guest Miles per ₹100 on direct etihad.com bookings
• ✓ 12 domestic + 8 international lounge visits per year
• ✓ Milestone bonuses: 1,000 Miles at ₹50K/month, 2,000 at ₹1.5L/quarter, 12,000 at ₹6L/year

Key Advantages

• ✓ Premium metal card design offering high status value
• ✓ Zero foreign exchange markup fee applied on international spends
• ✓ Generous international airport lounge policy providing 16 complimentary visits per year
• ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Key Advantages

• ✓ Up to 10X reward points on eligible spends above ₹20,000/month
• ✓ Zero forex markup since 18 September 2026
• ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Key Advantages

• ✓ Up to 7% back in IndiGo BluChips
• ✓ Up to 20,000 bonus rewards on activation
• ✓ Complimentary airport lounge access included

Key Advantages

• ✓ Up to 10% value-back on IRCTC train ticket bookings, plus a 1% transaction charge waiver

Key Advantages

• ✓ Lifetime free, with no ongoing annual fee
• ✓ 1.5% forex markup
• ✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
• ✓ Domestic and international lounge access, plus seasonal golf access
• ✓ Points convert to airline miles at up to a 1:1 ratio

Key Advantages

• ✓ 5 EDGE Horizon points per ₹100 spent on flight and hotel bookings
• ✓ Direct points transfer to partner airline and hotel loyalty programs
• ✓ 8 complimentary domestic airport lounge access visits per year
• ✓ Annual fee waiver on achieving ₹3.5 Lakh retail spend milestone

Key Advantages

• ✓ Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
• ✓ 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
• ✓ Unlimited complimentary lounge access worldwide for primary & add-on cardholders
• ✓ Complimentary Club Marriott membership and golf games globally
• ✓ Low foreign currency markup fee of 2% + Taxes

Key Advantages

• ✓ 4 complimentary 6E Prime Passes on ₹1 Lakh spend within 90 days of issuance
• ✓ 8 domestic + 6 international lounge visits per year
• ✓ 5,000 BluChips + a 6E Eats voucher on first transaction within 60 days
• ✓ Fee waiver threshold (Includes free IndiGo flight ticket voucher on joining)

Key Advantages

• ✓ Up to 3X BluChips value-back on IndiGo ticket bookings
• ✓ 4 domestic lounge visits/year on ₹50,000 spend in the preceding quarter
• ✓ 2 BluChips per ₹100 on hotel and select travel bookings
• ✓ Fee waiver threshold (Includes IndiGo 6E Rewards ticket voucher)

Key Advantages

• ✓ 5,000 Reward Points welcome gift on card activation
• ✓ Complimentary Air India Flying Returns frequent flyer membership
• ✓ 8 domestic lounge visits/year, up to 2 per quarter
• ✓ Fee waiver threshold (Includes 2,000 Flying Returns points bonus on joining)

Key Advantages

• ✓ 3% Adani Reward Points on Adani One ecosystem spends
• ✓ 8 domestic lounge visits/year plus porter services & car parking at Adani airports
• ✓ Rewards redeemable across flights, hotels, cabs & Adani airport duty-free
• ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Key Advantages

• ✓ 7% Adani Reward Points on Adani One ecosystem spends
• ✓ 4 domestic lounge visits/quarter plus 2 international visits/year via Priority Pass
• ✓ Complimentary porter services & premium car parking at Adani airports
• ✓ Fee waiver threshold (Annual fee waived on ₹6 Lakh annual retail spends)

Key Advantages

• ✓ 6% myCash on MMT hotel bookings, 3% on flights/holidays/cabs/bus
• ✓ Complimentary 1-year MMTBLACK Gold membership with zero cancellation fees
• ✓ myCash never expires, redeemable 1:1 for any MMT travel booking
• ✓ Fee waiver threshold (Includes ₹500 MMT MyCash bonus on joining)

Key Advantages

• ✓ ₹1,500 MMT MyCash bonus on joining, plus complimentary MMTBLACK Gold membership
• ✓ Extra myCash on MakeMyTrip hotel and flight bookings, plus MMTBLACK Platinum membership
• ✓ International airport lounge access included
• ✓ Fee waiver threshold (Includes ₹1,500 MMT MyCash bonus on joining)

Key Advantages

• ✓ 5 Reward Points per ₹200 on IRCTC train bookings plus a 1% transaction charge waiver
• ✓ 8 railway lounge visits/year at select stations
• ✓ Trip cancellation protection cover up to ₹5,000 on IRCTC-cancelled trains
• ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Key Advantages

• ✓ 8 domestic lounge visits/year (2/quarter) on ₹15,000 quarterly spend
• ✓ 2 Reward Points per ₹100 on all regular spends
• ✓ Fuel surcharge waiver and lost card liability cover included
• ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Key Advantages

• ✓ 6% BluChips on IndiGo bookings (rebranded from 6E Rewards)
• ✓ 3% BluChips on dining, movies & groceries
• ✓ 8 domestic lounge visits/year (2 per quarter)
• ✓ Fee waiver threshold (Includes 6E Rewards IndiGo ticket voucher)

Key Advantages

• ✓ 1,000 Air Miles welcome bonus, plus 1,000 more on each renewal
• ✓ 3 Air Miles per ₹100 on flights & hotels via Kotak Unbox
• ✓ 4 domestic lounge visits/year on ₹60,000 quarterly spend
• ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Key Advantages

• ✓ ₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend
• ✓ 8 domestic lounge visits/year (conditional on ₹1 lakh spend in the preceding quarter, effective Oct 2026) plus a complimentary Priority Pass membership
• ✓ Effective reward rate up to 2.85% including milestone bonuses
• ✓ Fee waiver threshold (Milestone Taj vouchers & travel gift cards worth ₹30,000+)

Key Advantages

• ✓ 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
• ✓ 5 EDGE Miles per ₹100 spent on flight & hotel bookings
• ✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
• ✓ Complimentary domestic & international airport lounge visits
• ✓ Flexible redemption directly on airline/hotel loyalty programs

Key Advantages

• ✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
• ✓ Up to 10X reward points via HDFC SmartBuy platform
• ✓ 6 complimentary golf games every quarter globally (24/year)
• ✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
• ✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Key Advantages

• ✓ 5 reward points per ₹200 retail (revised May 2026)
• ✓ 12X points on partner airlines & travel via HDFC SmartBuy
• ✓ 3 domestic lounge visits/quarter (conditional on ₹60,000 quarterly spend)
• ✓ Annual fee waived on ₹4 lakh annual spends, achievable for most cardholders
• ✓ Travel insurance up to ₹1 crore air accident cover

Key Advantages

• ✓ 8 domestic lounge visits/year, with up to 8 more unlockable via spend milestones
• ✓ Complimentary 2-year Priority Pass membership worth $99
• ✓ Travel Credits transfer to 20+ partners including Air India, British Airways & IHG
• ✓ Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)

Key Advantages

• ✓ Welcome gift voucher entirely offsets the upfront first-year joining fee barrier
• ✓ Strong 10X reward points multiplier across major daily spending verticals (dining, groceries, movies, and departmental stores)
• ✓ Domestic and international airport lounge access, including companion entry
• ✓ Highly valuable milestone achievement rewards up to ₹14,500 per year
• ✓ Low cash conversion reward redemption parity threshold

Key Advantages

• ✓ No minimum spend condition for complimentary airport lounge access
• ✓ 1 extra domestic lounge visit per ₹1 Lakh spent, capped at 12 extra visits/year
• ✓ Travel Credits transfer up to 1:1 with 20+ airline and hotel partners
• ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Key Advantages

• ✓ Complimentary Air India Flying Returns membership on fee payment within 15 days
• ✓ 8 domestic lounge visits/year plus Priority Pass access to 600+ lounges worldwide
• ✓ 20,000 Flying Returns points bonus on joining
• ✓ Fee waiver threshold (Includes 20,000 Flying Returns points bonus on joining)

Key Advantages

• ✓ 1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)
• ✓ Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year
• ✓ 8 Bonvoy Points per $1 spent at participating Marriott Bonvoy properties worldwide
• ✓ 24 airport lounge access visits per year (12 Domestic + 12 International), no spend condition
• ✓ Annual fee of ₹3,000 effectively offset by Free Night Award

Key Advantages

• ✓ 5 CashPoints per ₹100 spent on train ticket bookings via IRCTC app/website
• ✓ 1% transaction charges waiver on IRCTC website and ticketing portals
• ✓ 8 complimentary railway executive lounge visits per year across India (2 per quarter)
• ✓ ₹500 gift voucher welcome benefit fully offsets joining fee