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. Each card’s Score below is our own Mango People Score — a 1-5 rating weighing annual fees, rewards value, approval ease for beginners, and customer service reputation.
Looking specifically to avoid international forex fees? See our zero forex markup travel cards guide. Just starting your career on a ₹20-30K salary? See our entry-level travel cards guide.
| Credit Card | Annual Fee | Key Travel Benefits | Best For | Score |
| HDFC Regalia | ₹2,500 | Lounge access (domestic + international), hotel deals, air miles | Frequent fliers | 3.5/5 |
| SBI Card ELITE | ₹4,999 | 6 domestic lounge visits/quarter, Club Vistara membership | Premium domestic travel | 3.5/5 |
| Axis Atlas Credit Card | ₹5,000 | Travel EDGE points, global lounge access via Priority Pass | International travel | 3.5/5 |
| ICICI Sapphiro | ₹3,500 | Complimentary Dreamfolks membership, travel insurance | Balanced rewards & lounge access | 3.5/5 |
| Air India SBI Signature Card | ₹4,999 | 20,000 bonus reward points, Air India upgrades | Air India loyalists | 3.0/5 |
| Kotak Royale Signature | ₹999 | Hotel/travel discounts, international concierge | Affordable travel perks | 3.5/5 |
| AU Bank LIT Credit Card | ₹0 – Custom | Customizable travel features, lounge visits | Budget, first-time users | 4.0/5 |
| Federal Bank Scapia Card | ₹0 (lifetime free) | Zero forex markup, unlimited domestic lounge access, 4% travel rewards | Frequent domestic travelers, international spenders | 4.5/5 |
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:
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:
Annual Fee: ₹4,999 (waived on ₹10L annual spend)
Best for : Frequent Indian travelers, Vistara loyalists
Apply for SBI Elite Credit Card
Benefits:
Annual Fee: ₹5,000
Best for : International travelers who want air mile flexibility
Benefits:
Annual Fee: ₹3,500
Best for: Those who want a card with lifestyle + travel balance
Apply for ICICI bank sapphiro card
Benefits:
Annual Fee: ₹4,999
Best for : Air India loyal customers
Apply for Air India SBI Signature
Benefits:
Annual Fee: ₹0 (modular pricing)
Best For: Full control over card features
Apply for AU Bank LIT Credit Card
Benefits:
Worth knowing: rewards apply only to domestic spending — international transactions save you the forex markup but don’t earn Scapia Coins. Federal Bank’s one-card policy also means you can’t hold another Federal Bank credit card at the same time.
Annual Fee: ₹0 (lifetime free)
Best for: Frequent domestic travelers and anyone with regular international spending who wants to avoid forex markup fees entirely.
Apply for Federal Bank Scapia 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,
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.
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