How Can a Best Travel Credit Card Make your Vacation Possible?

“The world is a book, and those who do not travel read only a page.”- a simple yet so powerful quote by Saint Augustine signifies the importance of travelling and exploring in the course of life.

Even though many people have endless travel goals, but at times, due to the budget limit or flight cost, people simply end-up cancelling their vacation plans. However, there is a way to solve this blockage. Guess how? A right credit card! It may be confusing at first go, but a Travel credit card will not only give you discounts on air tickets, but also on hotels, dining, etc. This will overall help you cut down your cost and make your travel bookings at a discounted price.

4 Ways Credit Card Can Cut Down Travel Expenses

Here are a few ways how the right credit card can help you spend less and travel more-

Booking Tickets using Credit Card

credit cards can offer travel benefits like cashback and discounts on flight tickets. Moreover, you can redeem air miles earned on your card. This will reduce the flight cost drastically. Here are a few of the best airlines credit cards you should consider -

1. Air India SBI PLATINUM Card

• Earn up to 15 reward points for every Rs. 100 spent on air India tickets
• Receive up to 15,000 bonus reward points on a minimum spend of Rs. 2 lakh & above
• Earn 5,000 reward points as a welcome gift
• Get an annual gift card of 2,000 reward points

2. Citi PremierMiles Card

• Earn 10,000 miles on spending Rs. 1,000 or more for the first time within 60 days
• Get 3000 miles bonus on card renewal
• Get 10 miles for every Rs. 100 spent on airline transactions
• Get 100 miles points on spending every Rs. 45

Travel Insurance on Credit Card

Flight delays, cancellations, luggage misplacement are some of the common occurrences you can face while travelling. Travel Insurance can help you cover for your losses significantly. Here are a few of the best credit cards for travel insurance you should consider-

1. IndusInd Bank Platinum Aura Credit Card

• Enjoy a welcome gift from MakeMyTrip and free vouchers from Satya Paul
• Earn 4 points on shopping at departmental stores
• Get 2 points on purchasing consumer durable or electronics
• Seek help of personal assistance for hotel reservations, flight booking, sports and entertainment booking, etc
• Get Platinum Aura Auto Assistance services in case of a vehicle breakdown or any other emergency

2. Standard Chartered Ultimate Credit Card

• Get free access to over 1000 airport lounges both domestic and international
• Earn 5 reward points on every Rs. 150 spent
• Enjoy discount up to 25% at over 250 restaurants in India
• Get golf tickets and tutorials annually

3. HDFC Regalia Credit Card

• Get complimentary airport lounge access at over 1000 airports
• 24x7 travel assistance service
• You’ll receive 4 reward points for every Rs.150 spent

4. ICICI Bank Sapphiro Credit Card

• Get welcome vouchers on shopping and travel expenses
• Enjoy 20,000 payback points every year on the Bank anniversary
• Get 4 complimentary domestic airport lounge visits per quarter and 2 complimentary international airport lounge visits per year
• Avail 4 complimentary rounds of golf every month
• Get up to Rs. 500 off on the second movie ticket you purchase twice every month via BookMyShow
• Save a minimum 15% on dining bills

Low Foreign Currency Conversion Fee

Currency conversion charges are always a concern when you travel abroad. However, having a credit card that charges a lesser conversion fee is always beneficial. Here are some of the best credit cards with a low conversion fee.

1. Yes First Preferred Credit Card

• Currency conversion fee of 1.75% only
• Get 4 complimentary airport lounge access annually
• Get 20,000 bonus reward points on spending Rs. 7.5 Lakh or more
• Enjoy movie ticket discounts up to 25% on BookMyShow
• Get 8 reward points on every Rs. 100 you spend
• Fuel surcharge waiver for transactions ranging between Rs. 400 - Rs. 5,000 across all gas stations in India
• Enjoy discounts at selected golf courses across India
• Get up to 15% discount at partner restaurants

2. SBI Card ELITE

• Currency conversion fee of 1.99% only
• Welcome e-Gift voucher worth Rs. 5,000 on joining
• Enjoy free movie tickets worth Rs. 6,000 every year
• Earn up to 50,000 bonus reward points worth Rs. 12,500 per year
• Get a complimentary membership for Trident Privilege program and Club Vistara

Dining and Lifestyle on Credit Card

Lifestyle credit cards offer the best benefits like golf course visits, dining offers, rewards, etc., that would enhance your holiday experience. Many credit cards offer discounts and cashback at restaurants in India as well as abroad. For someone who likes dining at different places can always have a look at these credit cards

1. American Express Platinum Reserve Credit Card

• Get movie or online shopping vouchers of Rs. 6000 per year
• Enjoy complimentary lounge access
• Get special benefits at Max Healthcare
• Earn 1 reward point for every Rs.50 spent
• Enjoy golf, fine dining and lodging privileges

2. Diners Club Rewardz Credit Card

• Earn 3 reward points for every Rs. 150 spent
• Get 2x reward points on groceries, dining and airline ticket
• Enjoy 24x7 assistance for reservation of golf courses, restaurants, hotels, cars, and limousines

Conclusion

Buying the right credit card can help you live your dream vacation. A credit card with the appropriate features can be quite beneficial for your travel expenses. All said and done, always make sure that you choose a credit card that qualifies most of your requirements and has an annual fee that fits your wallet.