Best credit cards for India: People who fly often know how small benefits can make trips much better. The right credit card can help save money, cut charges, give safety with insurance and also make travel less stressful. Many banks in India now give premium cards that are made just for travellers, and they come with things like zero foreign currency fees, free lounge visits and special rewards. Some of these cards also give protection for flight delays, medical issues abroad and lost bags.
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This card is made only for travel outside India, and the best thing is it has no foreign currency markup. That means when you swipe it abroad you don’t pay extra charges on the conversion. You also get a voucher of Rs 3,000 from MakeMyTrip when you activate the card and there are milestone gifts if you spend more. Along with this, it has travel insurance that covers things like lost luggage and emergency medical help.
Another big card in the market is the HDFC Infinia Credit Card in metal edition. This card is not for everyone but for people who spend a lot and want luxury. It gives unlimited access to lounges all over the world, free golf games and also extra rewards when you book through SmartBuy.
The only thing is it has a 2% charge on foreign currency, but many users don’t mind that because the perks like concierge service, easy reward redemption and lifestyle benefits balance out the cost.
A new name is the IDFC First Mayura Metal card. This one has no foreign currency charge too, and it adds lifestyle extras like spa visits, lounge entry and even protection if your trip gets cancelled. Cardholders can also earn up to 60 times reward points that can be used across travel, food and shopping. The card also gives free movie tickets, golf benefits, fuel surcharge waiver and tie-ups with top brands, so it is not only for travel but also for daily lifestyle use.
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Axis Bank has the Horizon Credit Card which mixes travel rewards with everyday spending. With this card, you get miles every time you book flights and also when you shop normally.
The card gives 32 free domestic lounge visits and eight international ones each year, plus a welcome gift of 5,000 Miles. There is also travel insurance up to Rs 10 lakh, and it even has food perks with EazyDiner.
For people who always fly with IndiGo, there is a special Kotak IndiGo 6E Rewards card. This one directly helps you save on IndiGo tickets. You get a free flight ticket worth Rs 3,000 when you join, plus six percent rewards on IndiGo bookings and three percent on food and groceries.
The card also gives eight free lounge visits in India every year. On top of that, there are benefits like priority check-in and lower convenience charges, so travelling with IndiGo becomes smoother and faster.
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