Traveling is one of life’s greatest pleasures, and if you’re a frequent traveler, having the right credit card can make your journeys even more rewarding. In India, several credit cards offer exceptional travel rewards, including air miles, hotel discounts, lounge access, and more. Whether you’re a frequent flyer or an occasional traveler, this guide will help you choose the best credit card for travel rewards in India in 2025.
Why Choose a Travel Rewards Credit Card?
Travel credit cards are designed to reward you for your spending, especially on travel-related expenses like flights, hotels, and dining. These cards offer benefits such as:
- Air miles that can be redeemed for free flights.
- Discounted hotel stays and complimentary upgrades.
- Airport lounge access for a comfortable pre-flight experience.
- Travel insurance to cover emergencies.
- Bonus rewards on international spending.
If you travel frequently, these perks can save you thousands of rupees annually.
Top 5 Travel Rewards Credit Cards in India (2025)
Here’s a detailed look at the best credit cards for travel rewards in India:
1. Axis Bank Vistara Signature Credit Card
- Best for: Frequent Vistara flyers.
- Key Features:
- Earn Club Vistara points on every spend.
- Complimentary Premium Economy ticket on joining and annual renewal.
- Unlimited domestic airport lounge access.
- Discounts on Vistara flight bookings.
- Rewards Rate: 4 CV points per ₹200 spent.
- Annual Fee: ₹3,000 (waived if you spend ₹3 lakhs annually).
- Why Choose This Card?: Perfect for those who fly Vistara regularly and want to earn free flights.
2. HDFC Regalia Credit Card
- Best for: All-round travel and lifestyle benefits.
- Key Features:
- Earn Reward Points on every spend, redeemable for flights, hotels, and more.
- Complimentary Priority Pass membership for international lounge access.
- Discounts on flight and hotel bookings via HDFC SmartBuy.
- Travel insurance coverage up to ₹1 crore.
- Rewards Rate: 4 reward points per ₹150 spent.
- Annual Fee: ₹2,500 (waived if you spend ₹3 lakhs annually).
- Why Choose This Card?: A versatile card with great travel and lifestyle benefits.
3. American Express Platinum Travel Credit Card
- Best for: Luxury travelers.
- Key Features:
- Earn Membership Rewards points on every spend.
- Complimentary Taj Experiences Voucher worth ₹10,000 on spending ₹1.9 lakhs annually.
- Discounts on flight and hotel bookings.
- Travel insurance and concierge services.
- Rewards Rate: 2 points per ₹100 spent.
- Annual Fee: ₹5,000.
- Why Choose This Card?: Ideal for luxury travelers who value premium experiences.
4. SBI Elite Credit Card
- Best for: International travelers.
- Key Features:
- Earn Reward Points on every spend, redeemable for flights and hotels.
- Unlimited domestic and international lounge access.
- Complimentary Priority Pass membership.
- Travel insurance and concierge services.
- Rewards Rate: 5 reward points per ₹150 spent.
- Annual Fee: ₹4,999.
- Why Choose This Card?: Great for frequent international travelers who want lounge access and travel insurance.
5. Citi Premier Miles Credit Card
- Best for: Earning air miles.
- Key Features:
- Earn Citi Miles on every spend, redeemable with multiple airlines.
- Complimentary domestic lounge access.
- Discounts on flight and hotel bookings.
- Travel insurance and concierge services.
- Rewards Rate: 1 Citi Mile per ₹125 spent.
- Annual Fee: ₹3,000.
- Why Choose This Card?: Perfect for those who want flexibility in redeeming air miles with multiple airlines.
How to Choose the Right Travel Credit Card for You
When selecting a travel rewards credit card, consider the following factors:
- Travel Frequency: If you travel frequently, opt for a card with lounge access and air miles.
- Preferred Airlines: Choose a card that partners with your preferred airline (e.g., Vistara, Air India).
- Annual Fee: Ensure the card’s benefits justify the annual fee.
- Reward Redemption: Check how easy it is to redeem rewards and if they align with your travel goals.
- Additional Benefits: Look for perks like travel insurance, concierge services, and dining discounts.
Tips to Maximize Travel Rewards
- Use Your Card for All Travel Expenses: Book flights, hotels, and dining with your travel credit card to earn maximum rewards.
- Pay Your Bills on Time: Avoid interest charges by paying your credit card bill in full every month.
- Track Reward Points: Keep an eye on your reward points and redeem them before they expire.
- Take Advantage of Promotions: Many credit cards offer bonus points or discounts during festive seasons or special campaigns.
Conclusion
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Choosing the best credit card for travel rewards in India depends on your travel habits and preferences. Whether you’re a frequent flyer or a luxury traveler, there’s a card that suits your needs. The Axis Bank Vistara Signature Credit Card and HDFC Regalia Credit Card are excellent options for most travelers, while the American Express Platinum Travel Credit Card is perfect for those seeking premium experiences.
By using your travel credit card wisely, you can earn free flights, enjoy luxurious stays, and make your travels more rewarding. So, pick the right card, pack your bags, and get ready to explore the world!
What’s your favorite travel credit card? Share your experiences in the comments below!