Top Credit Cards in India for Travel Rewards
Welcome to your ultimate guide for the best credit cards that offer top travel rewards in India. Understanding the myriad of options can be overwhelming, but this article aims to simplify your decision-making process.
1. HDFC Regalia Credit Card
The HDFC Regalia Credit Card is perfect for frequent flyers who have a significant amount of annual spending. This card prioritizes regular travelers with six international lounge visits and twelve domestic lounge visits each year. Not only does it boast a low foreign exchange markup, but it also offers complimentary concierge services and in-flight meals. Additionally, you can earn rewards boosts as you achieve spending milestones. The annual fee for the HDFC Regalia Credit Card is Rs. 2500.
2. SBI Air India Signature Card
The SBI Air India Signature card is an exceptional travel credit card specially designed for Indian citizens, particularly those who frequently fly with Air India. For every point you earn, you receive an equal amount of Air India Miles at a standard reward-earning rate of 4. If you spend Rs. 20 lakhs annually, you can earn up to 1 lakh reward points, which can be exchanged for 1 lakh Air India Miles. These miles can be used to book flights or other travel benefits. Moreover, you receive a fantastic welcome gift of 20,000 reward points and an anniversary gift of 5000 reward points. The annual fee for the SBI Air India Signature card is Rs. 4999.
3. Axis Bank Vistara Signature Credit Card
For frequent flyers who prefer Vistara Airlines, the Axis Bank Vistara Signature Credit Card is highly suitable. Cardholders receive up to 2 Club Vistara Points, which can be redeemed for flight upgrades and free flights. Spending more on the card results in more travel benefits. You can achieve up to 4 premium economy tickets in a year by reaching certain spending milestones. Other benefits include Club Vistara Silver memberships, travel insurance protection, and discounted golf access. The annual fee for this card is Rs. 1500.
4. InterMiles HDFC Signature Credit Card
The InterMiles HDFC Signature Credit Card is unique because it allows you to use miles on any airline of your choice. You earn 12 InterMiles on Rs. 150 at the InterMiles website when booking flights and reserving hotels, and 6 InterMiles on retail spending. Additionally, you can receive up to 10% off for booking business class flight tickets and 5% off for booking economy class tickets. You also get a 2.5X bonus on InterMiles. InterMiles can also be used to book international flights and hotels. The annual fee for this card is Rs. 2500.
5. MakeMyTrip ICICI Bank Signature Credit Card
The MakeMyTrip ICICI Bank Signature Credit Card is ideal for frequent travelers who want to maintain luxury. This card provides exclusive benefits from MakeMyTrip, a popular flight and hotel booking platform in India. All rewards earned are transferred to your MakeMyTrip account as My Cash, which can be used for travel expenditure or booking flights, hotels, or cabs. If you rely heavily on MakeMyTrip for your travel plans, this card is perfectly suited for you.
How to Choose the Right Credit Card for You
Choosing the right credit card for travel rewards in India depends on your goals and circumstances. Always calculate your spending and consider how you would use the benefits before applying for a new card. It can be confusing, but with a few simple steps, you can make an informed decision. Unfortunately, the process of shortlisting and selecting a card can be daunting. Luckily, you can avoid this arduous process with Xare.
Xare: Your Ultimate Credit Card Solution
Xare is a service that allows you to access credit cards regardless of whether you own them. The XareClub helps you form clubs with close family or friends and share each other's credit cards safely and conveniently. Even if you do not own a frequent flyer credit card and someone you know does, you can still avail the benefits of one by inviting them to join your XareClub. The more members you have in your XareClub, the better. It's like having a super credit card!
XareClub offers several lucrative features such as:
Exclusive offers on club members' cards Efficient and easy overseas spending VIP privileges like lounge access, concierge services, etc. Additional rewards when others shop on your cardJoin Xare today to avail the ultimate plethora of benefits and streamline your travel rewards experience!