As the summer vacations are going on, you must be having travel plans with your family or loved ones. Right from hotels to flights you must be googling for it. Those days are gone when you need cash for traveling and it has become more of fun these days. And guess what there is the Best Card for Domestic Travel that you can choose from and enjoy exciting offers. To make it more rewarding for the customers, certain banks offer travel credit cards specially designed for frequent traveling lovers.
If you are someone who is looking for the Best Credit Card For Domestic India then this article by the experts at the CROX Times is just crafted for you. Make sure you read till the end.
Before we dive into let’s discuss a common question that might be in your mind.
How to Do Travel Credit Card Work?
Travel cards are generally offered in collaboration with airlines, travel portals, or any hotel chain. This co-branded Travel Credit Card offers special benefits on a partnered airline or travel portal. Usually, you get exclusive benefits like complimentary membership of the partnered airline in the form of Airmiles on achieving certain spend-based milestones with co-branded travel credit cards.
Types of Travel Cards
General Travel Cards
These cards work quite smoothly. You can earn reward points through everyday purchases, and dining and later redeem them for points for rewards. And the points can be used for expenses such as flight tickets and Hotel Rooms
Airline Travel Cards
An airline travel card is the best credit card for Domestic flights especially if you are a long-term and loyal customer of a specific airline. Airlines and banks collaborate to provide passengers with credit cards that let them collect generous rewards on everyday purchases. You can redeem these points for free flights, hotel stays, and other major travel expenses.
Hotel Cards
Hotel Credit Cards offer reward points when you use any particular to book hotel rooms with the respective hotel. This card also helps to receive benefits such as complimentary breakfasts, hotel rooms, and access to all the special events.
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Features and Benefits of Travel Credit Cards
Here are some features and benefits of Travel Credit Cards that you can enjoy
Travel rewards: Travel credit cards typically offer reward points or miles for every dollar spent on eligible purchases. These rewards can be redeemed for airline tickets, hotel stays, car rentals, or other travel-related expenses, allowing cardholders to save money on their travel expenses.
Sign-up bonuses: Many travel credit cards offer sign-up bonuses, where new cardholders can earn a large number of bonus points or miles after meeting a spending requirement within a specified time frame. These bonuses can provide a significant boost to a traveler’s rewards balance right from the start.
Airline or hotel perks: Some travel credit cards come with exclusive benefits tied to specific airlines or hotel chains. These perks may include complimentary airport lounge access, priority boarding, free checked bags, room upgrades, late checkout, and other privileges that enhance the travel experience.
Travel insurance: Travel credit cards often provide travel insurance coverage, which can include trip cancellation/interruption insurance, lost luggage reimbursement, travel accident insurance, and emergency medical assistance. These insurance benefits can offer peace of mind and financial protection during trips.
Foreign transaction fees: Many travel credit cards do not charge foreign transaction fees when making purchases abroad. This feature can save cardholders a significant amount of money on international transactions, as traditional cards may impose fees of around 3% on foreign purchases.
Car rental insurance: Some travel credit cards offer primary or secondary rental car insurance coverage when the card is used to book the rental. This coverage can provide protection against damage to or theft of the rental vehicle, potentially saving money on additional insurance fees at the rental counter.
Concierge services: Certain travel credit cards provide access to dedicated concierge services that can assist cardholders with various travel-related needs, such as making restaurant reservations, booking event tickets, arranging transportation, or offering general travel advice.
Lounge access: Several premium travel credit cards grant complimentary access to airport lounges worldwide. Lounge access provides a comfortable and relaxing environment, complimentary snacks and drinks, Wi-Fi access, and other amenities that can enhance the pre-flight or layover experience.
Travel discounts and perks: Travel credit cards may offer exclusive discounts and perks on travel-related expenses, such as hotel stays, car rentals, cruises, or vacation packages. These benefits can lead to cost savings and added value when planning and booking trips.
Here are the Best Credit Card for Domestic Travel that you can choose:
HDFC Regalia Credit Card
HDFC Bank Regalia Credit Card is the best choice if you are looking for credit with traveling and luxury benefits. With annual charges of INR 2,500 and brings to you 2,500 bonus reward points.
Benefits
- Get four reward points INR 150 Purchased.
- For INR 5 Lacs you get 10,000 reward points and an extra 5,000 reward points for spending INR 8 Lacs
- Membership in the Dineout Passport is complimentary
- Get 12 Complimentary airport lounge access within the country and six complimentary airport lounges abroad.
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Citi Premier Miles Credit Card
This credit from Citi Bank comes with accidental insurance. The joining fee of this credit card is INR 3,000 + Applicable taxes.
Benefits
- Global acceptance and redemption of air miles
- Get air accident coverage up to 1 crore.
- Lost car accountability cover of 10 Lakhs
- Get bumper discounts at restaurants and shop with reward points at leading brands.
- Earn Additional air miles on every INR 100 transaction that require.
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Axis Bank Vistara Signature Credit Card
This is the best credit card for domestic travel as it brings to your accidental coverage of up to 2.5 crores.
Benefits
- Complimentary Club Vistara membership and free economy travel voucher as an onboarding benefit.
- Get Reward points INR 200
- Complimentary lounge visit to premium airport lounges across the world
- $300 covers for loss of travel documents, check-in baggage delay, or loss.
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Axis Bank Reserve Bank Credit Card
The Joining fee of this travel credit card is INR 5,0000+ Applicable taxes. Here are some benefits mentioned by our experts.
Benefits
- On-boarding gift of 5000 reward points
- Get 15 Reward points on every expense worth INR 200
- Golf membership offers
- Four free pickup and drop services every year.
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Air India SBI Signature Credit Card:
If we talk about the joining fee, it is around INR 5000 + Applicable Taxes. Here are some benefits of the Air India Signature Credit Card.
- On-boarding of 2,000 reward points and anniversary gift of over 5,000 reward points
- Get Coverage of INR 1 Lakh for Credit card lost
- 8 Complimentary visits to domestic Visa Lounges in a year and can access 600+ airports at foreign luxury with a complimentary priority pass.
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Conclusion
When choosing the Best Credit Card for Domestic Travel, consider factors such as annual fees, interest rates, reward redemption options, and the card’s acceptance network. Remember to assess your own spending habits and travel preferences to find the card that best suits your needs.
It’s important to note that credit cards should be used responsibly, and paying off the full balance on time is crucial to avoid high-interest charges. Additionally, the availability and terms of these credit cards may change over time, so it’s advisable to check with the respective banks for the most up-to-date information before making a decision.
