The growing age of technology is bringing a 360-degree revolution in all fields, including the financial sector. Every aspect of the market has evolved ever since the use of technology. But nothing actually changes in terms of buyers and sellers, the buyers continue to negotiate are bargain while some of the sellers give in while some resist. The only massive change is the medium of exchange of money. Today it is considered extremely old-fashioned to carry ready cash on you. In other words, it’s an era of “plastic money.” The number of credit cards you carry is seen as a fashion statement and gives a wrong impression of being loaded with money, no matter if in reality you are actually loaded with debt. Like a coin, credit cards also have both a positive as well as a negative side. The credit cards in 2021 are here to make a statement and make life simpler for people. They offer lower rates of interest and many have ties with other e-commerce websites making them attractive possession. Even in the travel industry owning a credit card is a major plus point especially for frequent travelers. Here are 9 best travel credit cards in India 2021:
Axis Bank Vistara Credit Card
– One Of The Best Travel Credit Cards
At the very beginning, you get a complimentary economy class flight ticket as a welcome gift. You earn 2 points for every 200 Rs spent using the Axis Bank Vistara Credit Card and you can redeem the points for flights and upgrades. You get a 15% discount while dining at a partner restaurant in India as well as access to selected airport lounges in India when traveling domestically. Apart from all these benefits, the card also allows you to spend your weekends fruitfully in many parts of India, like golf clubs or cooking as chefs in hotels as well as cycling around the place and entertaining yourself to the fullest. The joining fee is 1500 Rs for the first year.
American Express Membership Rewards Credit Card
– One Of The Best Travel Credit Cards In India 2021
The striking feature of the American Express Membership Rewards Credit Card is that it offers renewal and new membership bonus points up to 5000 points. If your expenditure per month exceeds 4000 Rs then you must purchase this card for the 1000 bonus points per month for such an expenditure. They also offer attractive redemption offers on 24 karats and 18 karat gold collections. It is very helpful in booking last moment flights at unimaginably cheap rates by availing discounts on this credit card. The annual fee of this card is 4500 Rs and is essential for all the frequent shoppers and travelers with attractive rewards and vouchers from leading brands.
Intermiles ICICI Bank Sapphiro Credit Card
On joining and renewal of the Intermiles ICICI Bank Sapphiro Credit Card you get complimentary 5000 Rs worth vouchers. Every 100 Rs you spend, fetch you 7 intermile points. Complementary DragonPass allows free access to international airport lounges and an extra baggage allowance of 5kg for economy class and 10kg for business class. Intermiles can be redeemed for upgrades in flights and exciting offers on dining, movies, and golf clubs. They also get you a discount on the base fare of the ticket prices of both international and domestic flights. The annual fee is 2500 Rs.
HDCF Doctors Superia Credit Card
Who can deny 1000 bonus points at the time of joining as well as a renewal? This is the feature that makes the HDFC Doctors Superia Credit Card stand out. If you spend 15000 Rs in the first 90 days of the issue of the card, then the first-year fee will be refunded. You can earn 3 points for every 150 Rs that you spend. They have complimentary lounge access for frequent flyers which makes it easier to kill time between flights and makes your travel comfortable. An air voucher worth 8000 Rs on spending more than 5 lakh using the card is also one of its features. Like any other card, they also offer rewards on retail spending. The annual fee of the card is a nominal 1000 Rs.
Citi Bank Cashback Credit Card
The Citi Bank Cashback Credit Card helps you to earn while you spend, thus the name cashback. You can make contactless payment at the terminal and no pin is required. They have various schemes for cashback such as 5% cashback on movie tickets and phone bill payment, and 0.5% cashback on all other spending and exclusive dining and shopping benefits. The joining fee is a nominal 500 Rs and nothing compared to the various benefits offered on this card.
HDFC Bank Diners Club Black Card
– One Of The Best Travel Credit Cards In India 2021
This HDFC Bank Diners Club Black Card is one of the most popular premium cards in India. It does not just offer reward points but provides the best protection, golf benefits, travel benefits, lifestyle benefits, etc.
You can earn up to 2x reward points on domestic and international flight bookings and redeem points on Airmiles to book hotels and flights. Free access to 25 airport lounges in India and 650 international airport lounges abroad. Avail 5 points for every 150 Rs spent on retail stores. This premium credit card gives you the opportunity to enjoy complimentary golf games and lessons in India and abroad. Many buyers want to be insured and thus there is no better card to look at, this credit card provides 2 crore worth Air accident cover and up to 50 lakh rupees of emergency medical expenses cover and also covers the loss due to baggage loss or delay. The joining fee is 5000 Rs and at the time of renewal and joining you get 10 thousand bonus points.
Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is a favorite of frequent moviegoers and shoppers anywhere in the world. Makes traveling with this card very easy and comparatively cheaper to carry out transactions in cash, There is no fee charged for the first year. The striking features of this card are the presence of cashback offers and vouchers. You can avail of cashback of 10% on mobile recharge, online shopping, and movie tickets. They follow a policy of 2 points per 200 Rs spent using the card. They have exciting vouchers worth 200 Rs on BookMyShow and 500 Rs voucher of Jabong as well as a 250 Rs voucher of amazon available with this card. The card is protected through an EMV certified chip and the customers enjoy a zero lost card liability. After the first year, a nominal fee of 250 Rs is charged as an annual fee.
Yatra SBI Credit Card
You can avail of yatra.com vouchers worth 8000 Rs on the date of purchasing the card. The striking feature of the Yatra SBI Credit Card is that they give you 1000 Rs and 4000 Rs discounts on domestic and international flight bookings. In addition to the discounts, the customers get free access to international airport lounges. Apart from all travel benefits, the buyers can earn rewards on shopping, booking movie tickets, and dining. The complimentary air accidental cover of ₹50 lakhs and fuel surcharge waiver only add to the benefits. A nominal joining fee of 500 Rs is charged by the bank.
SBI Prime Credit Card
Charging an annual fee of 3000 Rs, but gives you benefits like that of a premium cardholder. They give you 10 points for spending 100 Rs using the card either on movies, dining, or groceries. One attractive feature of this card is the silver membership of Club Vistara. Gives you 8 domestic lounge visits and 4 international lounges throughout the year. The cardholder is insured for 1 lakh in the case of fraud. The inbuilt chip and pin protect against counterfeiting and skimming. Users can also get add-on cards for their family members, thus giving them more power to spend. They give their users a welcoming e-voucher worth 3000 Rs.
India provides over 250 credit card options to its people and a variety of offers and attractions to choose from. All the glamour is the only thing that these companies have to display to attract their customers but one should also be careful and spend wisely and not get caught in the never-ending cycle of having to pay debts. If you spend according to your capacity then these cards are very handy and prove to be a boon but if you spend lavishly without taking into consideration your bank worth and other responsibility then the card becomes a bane. These credit cards make traveling abroad super simple and one need not hassle about money exchange. They ensure a hassle-free cashless journey along with the safety of your money and give you better exchange rates for different currencies without charging an additional fee.