10 Best Travel Credit Card in India for 2025

Are you seeking the most advantageous travel credit card in India to enhance your travel experiences? Regardless of whether you travel often or are organising a unique getaway, selecting the appropriate travel credit card can significantly improve your experience. These cards offer rewards, lounge access, and benefits such as discounted flights, hotel stays, and cashback, enabling significant savings during your travels. Let us explore the top travel credit cards for January 2025 that address various travel requirements.

Benefits of Travel Credit Cards

Rewards and Points:

The best travel credit card for points provides advantages that accrue with each transaction made using your card. Cards such as the Axis Atlas Credit Card and the Marriott Bonvoy HDFC Card provide users with travel points for flights, hotels, and everyday expenses. Over time, these points may be utilised for complimentary travel, enhancements, or unique experiences.

Travel Perks:

Benefits such as complimentary lounge access render these cards essential. For instance, the best travel credit card lounge access options, like the HDFC Diners Club Black, provide unlimited entries to both domestic and international lounges. These benefits enable you to unwind prior to flights, take advantage of premium services, and commence your journey without stress.

Cost Savings:

The best credit card in India for foreign travel allows you to dramatically reduce the amount of money you spend on vacation by providing discounts on things like flights, eating, and hotel reservations. There are other credit cards that provide minimal markup costs for foreign currency (forex), such as the Emirates Skywards ICICI Sapphiro Credit Card. These cards ensure that visits abroad do not put a strain on one’s financially.

Top 10 Travel Credit Cards of 2025

Axis Atlas Credit Card

Key Features:

• Earn up to 5 EDGE Miles on every Rs. 100 spent on travel.
• 12 international lounge visits annually.
• Milestone rewards of up to 5,000 EDGE Miles.

For regular fliers who place a high importance on rewards, the Axis Atlas Card is an excellent choice. For both domestic and international travel, it’s one of the best travel credit card miles alternatives.

Axis Bank Horizon Credit Card

Key Features:

• 32 domestic and 8 international lounge visits annually.
• 5 EDGE Miles on travel bookings and 2 miles on other categories.
• 25% off on dining via the EazyDiner app.

The Horizon card shines as a choice for the best travel credit card in India for individuals who are looking for a balance between the financial benefits of travel and the benefits of travel.

HDFC Diners Club Black Credit Card

Key Features:

• 10X rewards on SmartBuy purchases.
• Complimentary memberships to Marriott, Amazon, and Swiggy One.
• Unlimited lounge access for primary and add-on members.

This is one of the best travel credit cards international travellers may pick for premium experiences, and if luxury is your thing, you should consider applying for it.

Axis Bank Reserve Credit Card

Key Features:

• Earn 30 EDGE Points per Rs. 200 spent.
• Complimentary memberships to Accor Plus and Club Marriott.
• Unlimited Priority Pass lounge access and 50 free golf rounds.

The Axis Bank Reserve card is among the best travel credit cards for India travellers searching for a deluxe experience, despite the fact that it is more expensive than other cards.

American Express Platinum Card

Key Features:

• Access to elite hotel loyalty programs like Marriott Bonvoy Gold Elite.
• Complimentary access to premium domestic and international lounges.
• Benefits worth Rs. 44,300 at luxury hotels.

It is without a doubt the case that the American Express Platinum credit card is the best credit card in India for international travel due to the incomparable luxury travel benefits that it offers.

IndusInd Bank Avios Visa Infinite Credit Card

Key Features:

• Up to 55,000 Avios bonus points upon activation.
• Complimentary meet-and-greet services and Priority Pass Membership.
• Rewards focused on Qatar Airways and British Airways travel.

This is one of the best airline credit card miles alternatives since it is great for regular foreign travellers, particularly those who are devoted to British Airways or Qatar Airways.

6E Rewards XL Indigo HDFC Credit Card

Key Features:

• 5% rewards on IndiGo bookings and 3% on dining.
• 8 complimentary domestic lounge visits annually.
• Complimentary Accor Hotel stay voucher.

This card is the best travel credit card for points accumulation on inexpensive airline tickets and frequent travellers to IndiGo will find it to be the best option.

Emirates Skywards ICICI Bank Sapphiro Credit Card

Key Features:

• 2 Skywards Miles per Rs. 100 spent.
• Complimentary Emirates Silver Tier membership.
• Lounge and spa access at select airports in India.

This card is a popular option among customers of Emirates since it offers advantages that are ideal for those who place a high value on unique airline privileges.

Marriott Bonvoy HDFC Credit Card

Key Features:

• Earn 4 Bonvoy Points per Rs. 150 spent on travel and dining.
• Complimentary Elite Night Credits and free night awards.
• Two complimentary golf access events per quarter.

If you are a committed member of Marriott Bonvoy, this is the best travel credit card miles choice for you to maximise the amount of hotel prizes you get.

MakeMyTrip ICICI Bank Credit Card

Key Features:

• 6% myCash on MakeMyTrip hotel bookings.
• 3% cashback on flights, cabs, and holiday packages.
• Low forex markup fees of just 0.99%.

This card is among the best travel credit card in India for both day-to-day usage and travel savings, making it ideal for those who are on a tight budget.

Factors to Consider When Choosing a Travel Credit Card

Annual Fees and Joining Costs

The American Express Platinum card is an example of a high-end credit card that comes with substantial annual fees yet offers luxurious amenities. Make sure that the expenses are sufficient by carefully weighing the advantages.

Rewards Program Suitability

Your travelling habits are important. A frequent flier on IndiGo, for example, could find the 6E Rewards XL card more appealing, whilst a frequent traveller on Marriott might find the Marriott Bonvoy HDFC Card to be more beneficial.

Foreign Transaction Fees

When travelling internationally, it is crucial to have a minimal markup price for foreign currency. The MakeMyTrip ICICI Bank Credit Card is one of the cards that is a strong candidate for the title of best travel credit card for international travel since it charges just 0.99% of the total transaction amount.

How to Maximize Benefits from Travel Credit Cards

Focus Spending Categories

Make use of credit cards that provide incentives that correspond to your spending patterns. EDGE Miles may be maximised by, for instance, using the Axis Atlas Card to pay for costs incurred during overseas travel.

Combine Cards Strategically

It is possible to increase the number of points you earn in a variety of categories by combining cards such as the Marriott Bonvoy HDFC Card with a more comprehensive rewards card such as the HDFC Diners Club Black.

Stay Updated on Offers

Numerous credit cards provide discounts throughout certain times of the year. It is important to keep an eye on these in order to maximise the advantages and savings.

Conclusion

When it comes to choosing the best travel credit card in India, your travel habits and lifestyle have a significant impact. There is something for everyone to get from credit cards, whether it is the opportunity to save money on overseas purchases, access to airport lounges, or the accumulation of points. Make an assessment of your requirements and choose a card that will transform your travels into experiences that are satisfying. best travel credit card international

FAQs