Bridging the Digital Divide in Rural India through Fintech- Nikhilesh Tiwari
The best way to ensure savings while traveling is to choose a travel credit card. Travel credit cards are designed to help individuals who travel frequently for business or leisure. These credit cards ensure accelerated rewards and benefits such as earning extra airline miles, access to free airport lounges, etc.
In addition, individuals will be able to earn rewards and reap the benefits of loyalty programs, stay vouchers, welcome benefits and other benefits. Additionally, having a fuel credit card will help travelers save on fuel-related expenses. In this regard, one must choose the best credit card for fuel and save significant amounts in the form of cash-back, reward points, etc.
Top credit cards ideal for travel destinations
Here are the best travel credit cards for shoppers:
- Citi PremierMiles credit card
Frequent travelers will find the Citi PremierMiles credit card ideal as it will help them redeem their earned airline miles with more than 100 airline and hotel partners. What’s more, the earned airline miles will never expire, helping travelers continue to earn miles and redeem them at their convenience.
With the Citi PremierMiles credit card, individuals can earn 10 miles per Rs. 100 on flight transactions. Also, travelers will get a welcome benefit of 10,000 miles and flight insurance cover of up to Rs. 1 Crore.
- SBI Elite Credit Card
On using the SBI Elite Credit Card, individuals will get a welcome voucher of Rs. 5000. This all-round card also extends free Club Vistara Silver membership. Additionally, the cardholder can earn 5X reward points on groceries, departmental purchases, etc. For international transactions, travelers can earn 2X reward points on spending every Rs. 100.
The card gives individuals access to 1,000+ airport lounges worldwide. In addition, individuals using the card to travel abroad can reap the benefits of the lowest exchange rate surcharge, 1.99%, instead of paying the usual surcharge.
- IRCTC SBI Card
IRCTC SBI Card is a credit card that extends the benefits of travelers while booking railway tickets and allows them to access the railway lounge. Travelers can get 10% value back by purchasing AC1, AC 2, AC 3 and AC CC tickets from the irctc.co.in website. Furthermore, 5% is given back on all purchases of air tickets and e-catering.
By paying the participation fee, travelers will receive 1,500 reward points as welcome benefits. In addition to this, insurance coverage of Rs. 10 lakhs for free railway accidents and Rs. 50 lakhs for free plane accidents.
- Bajaj Finserv RBL bank Travel Easy Supercard
With the Bajaj Finserv RBL bank Travel Easy Supercard, cardholders can earn 10% cashback on every Rs. 400 spent on Ola and Uber. The refund percentage remains the same for fuel purchases. By crossing the annual expenditure limit of Rs. 1 lakh, individuals will get a gift card worth Rs. 1000.
Further, cardholders who refuel their vehicles at any petrol pump in the country can reap the benefit of a fuel surcharge waiver of up to Rs. 100/month
- HDFC Regalia Credit Card
HDFC Regalia Credit Card is among the best travel credit cards in India that helps frequent travelers save significantly. With Regalia, cardholders will get access to 6 free international lounge visits and 12 domestic lounge visits per year.
Ideal for international travelers, the card helps them enjoy the lowest exchange rate surcharge of 2%, which is otherwise 3.5% or even higher. In addition, the card helps individuals access luxury benefits such as Priority Pass membership and lounge access. In addition to availing premium benefits, cardholders can also enjoy exemptions from fuel surcharges, insurance coverage, etc.
Also, HDFC Bank Diners Club Privilege Credit Card, Air India SBI Signature Credit Card, Axis Bank Vistara Signature Credit Card, ICICI Bank MMT Platinum Credit Card etc. are some of the notable travel credit cards that have made vacations convenient and rewarding for travelers.
How to apply for a travel credit card
Individuals need to follow the mentioned step to apply for travel credit card online:
Step 1: Individuals need to visit the official website of their preferred financial institutions and click on the credit card option.
Step 2: Enter the necessary contact and personal details.
Step 3: Check offers now and compare different credit cards.
Step 4: Choose the travel credit card that best suits the applicant’s requirements.
Step 5: Finally submit the application after reading the instructions.
To summarize, travel credit cards will make your vacation convenient and easy. Travel credit cards are the right choice for frequent travelers who want to get discounts and rewards. Individuals can enjoy credit card rewards while traveling domestically and internationally. Other lucrative benefits include hotel discounts, co-branded benefits, etc. Also, travelers don’t have to worry about carrying cash. For additional savings, choosing the best credit card for fuel will help travelers meet the increase in fuel prices.
