Travel is no longer a luxury—it’s a lifestyle. After Covid 2020 many people has started to travel and explore their horizons and travel credit cards has become a hot product all over the world . Whether you travel for work, leisure, or family, a travel credit card helps you save money on flights, hotels, and airport lounges.
From free airport lounge access to air miles and travel insurance, a travel cards is a smart financial move.
Let’s find the best travel credit cards in India (2025) that give you the most value for your money.
| Credit Card | Annual Fee | Key Travel Benefits | Best For |
| HDFC Regalia | ₹2,500 | Lounge access (domestic + international), hotel deals, air miles | Frequent fliers |
| SBI Card ELITE | ₹4,999 | 6 domestic lounge visits/quarter, Club Vistara membership | Premium domestic travel |
| Axis Atlas Credit Card | ₹5,000 | Travel EDGE points, global lounge access via Priority Pass | International travel |
| ICICI Sapphiro | ₹3,500 | Complimentary Dreamfolks membership, travel insurance | Balanced rewards & lounge access |
| Air India SBI Signature Card | ₹4,999 | 20,000 bonus reward points, Air India upgrades | Air India loyalists |
| Kotak Royale Signature | ₹999 | Hotel/travel discounts, international concierge | Affordable travel perks |
| AU Bank LIT Credit Card | ₹0 – Custom | Customizable travel features, lounge visits | Budget, first-time users |
Most of these cards waive of the annual charges if you spend 2 to 3 lakhs per annum , which will make this credit card free of charge .
Benefits:
You will get 12 domestic lounge visits/year
And 6 international lounge visits via Priority Pass
2X reward points on travel and dining
Free travel insurance worth ₹1 crore
Annual Fee: ₹2,500 + GST
Best for : Salaried professionals who travel at least 3–4 times a year.
Apply for HDFC Regalia Card Now
Benefits:
You will get a Free Club Vistara Silver membership
And up to 6 free domestic airport lounge visits per quarter
Get free movie tickets worth ₹6,000/year via BookMyShow
Welcome e-voucher worth ₹5,000 (Yatra, Hush Puppies, etc.)
Annual Fee: ₹4,999 (waived on ₹10L annual spend)
Best for : Frequent Indian travelers, Vistara loyalists
Apply for SBI Elite Credit Card
Benefits:
You can Earn EDGE Miles for travel redemptions
Get a Free Priority Pass with 12 international lounge visits
Milestone benefits (flight vouchers, stay credits)
Annual Fee: ₹5,000
Best for : International travelers who want air mile flexibility
Benefits:
You will get a Dreamfolks Membership: 4 free international lounge + spa visits
Complimentary golf rounds
Visa Lounge access at airports
Travel insurance + concierge service
Annual Fee: ₹3,500
Best for: Those who want a card with lifestyle + travel balance
Apply for ICICI bank sapphiro card
Benefits:
You will get a 20,000 welcome reward points = free flight!
Accelerated rewards on Air India bookings
Free international lounge access
Annual Fee: ₹4,999
Best for : Air India loyal customers
Apply for Air India SBI Signature
Benefits:
You only pay for features you use
Add airport lounge access, travel insurance, fuel surcharge waiver
No annual fee by default
Excellent for credit card beginners
Annual Fee: ₹0 (modular pricing)
Best For: Full control over card features
Apply for AU Bank LIT Credit Card
Choose the card according to your needs and your lifestyle and purchase behaviour , it not only saves money but also give good perks for your spend .
| Need | Recommended Card |
| Budget domestic traveller | Kotak Royale / AU LIT |
| International lounge access | Axis Atlas / HDFC Regalia |
| Fly Air India regularly | Air India SBI Signature |
| Want lifestyle + travel mix | ICICI Sapphiro |
| Need max reward points | Axis Atlas / HDFC Regalia |
1. Can I get a travel credit card with a ₹25,000 salary?
Yes, some cards like Kotak Royale and AU LIT are suited for low-income earners. There are cards which are issued with a secured FD, you can try applying these cards against an FD.
2. Which card gives free international lounge access?
If you are a frequent flyer below cards can help you to get free lounge access,
HDFC Regalia (6/year)
Axis Atlas (12/year)
ICICI Sapphiro (via Dreamfolks)
3. Do travel credit cards help with visas?
Not all cards but some premium cards offer concierge services, insurance, and visa assistance—check specific card features.
The best travel credit card depends on where and how often you travel. If you’re a domestic flyer who enjoys lounges, go for SBI Elite. Want flexibility on international travel? Axis Atlas or HDFC Regalia are unbeatable.
Thank you. Helpful.
Your welcome