Travel credit cards in India: A look at offerings, features, benefits


The SBI Card MILES is designed for frequent flyers. Cardholders can earn up to 6 travel credits per ₹200 on travel spends and 2 credits on other spends. Benefits include complimentary lounge access—8 domestic and 6 international visits annually—along with Priority Pass membership and a low forex markup of 1.99%. The card is available in three variants with annual fees ranging from ₹1,499 to ₹4,999.

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The SBI Card MILES is designed for frequent flyers. Cardholders can earn up to six travel credits per ₹200 on travel spends and two credits on other spends. Benefits include complimentary lounge access — eight domestic and six international visits annually — along with Priority Pass membership and a low forex markup of 1.99%. The card is available in three variants with annual fees ranging from ₹1,499 to ₹4,999.

Axis Atlas Credit CardThe Axis Atlas Credit Card offers 2.5X EDGE Miles on travel spends and up to 30 lounge visits annually (12 international and 18 domestic). It has a tier-based structure that increases benefits as users spend more. The card charges an annual fee of ₹5,000.

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The Axis Atlas Credit Card offers 2.5X EDGE Miles on travel spends and up to 30 lounge visits annually (12 international and 18 domestic). It has a tier-based structure that increases benefits as users spend more. The card charges an annual fee of ₹5,000.

IRCTC SBI Platinum CardThis card is targeted at railway travellers. Users earn up to 10% value back as reward points on bookings made through IRCTC’s website and app. It also provides 4 complimentary railway lounge visits annually and exemptions on fuel surcharge. The card comes with an annual fee of ₹500, while a premium version, IRCTC SBI Card Premier, is available at ₹1,499.

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IRCTC SBI Platinum Card is targeted at railway travellers. Users earn up to 10% value back as reward points on bookings made through IRCTC’s website and app. It also provides four complimentary railway lounge visits annually and exemptions on fuel surcharge. The card comes with an annual fee of ₹500, while a premium version, IRCTC SBI Card Premier, is available at ₹1,499.

KrisFlyer SBI CardCo-branded with Singapore Airlines, the KrisFlyer SBI Card allows cardholders to earn miles on both domestic and international spends. Users receive a welcome bonus of 3,000 KrisFlyer miles and earn up to 5 miles per ₹200 on travel-related expenses. The card also offers lounge access and KrisFlyer Elite Silver membership on qualifying spends. Annual fees start at ₹2,999, with a premium variant priced at ₹9,999.

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Co-branded with Singapore Airlines, the KrisFlyer SBI Card allows cardholders to earn miles on both domestic and international spends. Users receive a welcome bonus of 3,000 KrisFlyer miles and earn up to five miles per ₹200 on travel-related expenses. The card also offers lounge access and KrisFlyer Elite Silver membership on qualifying spends. Annual fees start at ₹2,999, with a premium variant priced at ₹9,999.

Axis Bank Horizon Credit CardThis card provides up to 32 domestic and 8 international lounge visits each year. Cardholders can earn up to 5 EDGE Miles per ₹100 spent, with a conversion ratio of 1:1 to partner points. The annual fee is ₹3,000.

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Axis Bank Horizon Credit Card provides up to 32 domestic and eight international lounge visits each year. Cardholders can earn up to five EDGE Miles per ₹100 spent, with a conversion ratio of 1:1 to partner points. The annual fee is ₹3,000.

Axis Magnus for Burgundy Credit CardThis premium card offers unlimited domestic and international lounge access and up to 24% value back on travel spends. It also provides milestone benefits and travel point transfers at favourable ratios. The annual fee is ₹30,000, waived on spends above ₹30 lakh in a year.

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Axis Magnus Burgundy Credit Card offers unlimited domestic and international lounge access and up to 24% value back on travel spends. It also provides milestone benefits and travel point transfers at favourable ratios. The annual fee is ₹30,000, waived on spends above ₹30 lakh in a year.

HDFC Diners Club Black Metal Edition Credit CardWith unlimited lounge access and a strong rewards program (5 reward points per ₹150 spent), this card caters to high-spenders. It also offers memberships with lifestyle platforms and a low forex markup of 2%. The annual fee is ₹10,000.

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With unlimited lounge access and a strong rewards programme (five reward points per ₹150 spent), HDFC Diners Club Black Metal Edition Credit Card caters to high-spenders. It also offers memberships with lifestyle platforms and a low forex markup of 2%. The annual fee is ₹10,000.

Kotak IndiGo 6E Rewards XL Credit CardDesigned for IndiGo flyers, this card provides 6% rewards on airline spends and 8 complimentary domestic lounge visits annually. It comes with an annual fee of ₹1,500.

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Designed for IndiGo flyers, Kotak IndiGo 6E Rewards XL Credit Card provides 6% rewards on airline spends and eight complimentary domestic lounge visits annually. It comes with an annual fee of ₹1,500.

Marriott Bonvoy HDFC Credit CardTargeted at travellers who prefer Marriott properties, this card offers 4x points on hotel spends and Silver Elite status as a welcome benefit. Users also get 12 domestic and 12 international lounge visits annually. The annual fee is ₹3,000.

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Targeted at travellers who prefer Marriott properties, Marriott Bonvoy HDFC Credit Card offers 4x points on hotel spends and Silver Elite status as a welcome benefit. Users also get 12 domestic and 12 international lounge visits annually. The annual fee is ₹3,000.

MakeMyTrip ICICI Bank Credit CardThis co-branded card offers up to 6% savings on bookings via MakeMyTrip and low forex markup of 0.99%. Cardholders get 8 complimentary domestic lounge visits and 1 international lounge access annually. The annual fee is ₹999.

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MakeMyTrip ICICI Bank Credit Card offers up to 6% savings on bookings via MakeMyTrip and a low forex markup of 0.99%. Cardholders get eight complimentary domestic lounge visits and one international lounge access annually. The annual fee is ₹999.

atra SBI CardAt a low annual fee of ₹499, this card provides vouchers worth ₹8,250 as a joining benefit. It also offers direct discounts on flight and hotel bookings via Yatra.

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At a low annual fee of ₹499, Yatra SBI Card provides vouchers worth ₹8,250 as a joining benefit. It also offers direct discounts on flight and hotel bookings via Yatra.

Ixigo AU Credit CardA lifetime-free card, the Ixigo AU Credit Card is tailored for train and bus travellers. It provides 16 domestic railway lounge visits annually, discounts on Ixigo bookings, and zero forex markup fees.

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A lifetime-free card, the Ixigo AU Credit Card is tailored for train and bus travellers. It provides 16 domestic railway lounge visits annually, discounts on Ixigo bookings, and zero forex markup fees.



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