Travel credit cards are a must-have for frequent travelers, offering various benefits such as rewards, lounge access, travel insurance, and exclusive discounts. With so many options available, it can be hard to decide which one is the best for your needs. In this guide, we’ll cover the top travel credit cards in India for 2025, helping you choose the best one to enhance your travel experience.


IRCTC SBI RuPay Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card


IRCTC RBL Bank Credit Card

Joining Fee

₹500 + GST

Renewal Fee

₹500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

500 Reward Points


HDFC Bank RuPay IRCTC Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Amazon voucher worth Rs. 500 on making the first transaction within the first 30 days.


MakeMyTrip ICICI Bank Credit Card

Joining Fee

₹999 + GST

Renewal Fee

₹999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

₹1,000 MMT Voucher and MMTBLACK Gold Tier Membership


ixigo AU Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance


KrisFlyer SBI Credit Card

Joining Fee

₹2,999 + GST

Renewal Fee

₹2,999 + GST

Best Suited For

Travel

Reward Type

KrisFlyer Miles

Welcome Benefits

3,000 KrisFlyer Miles


6E Rewards XL – IndiGo HDFC Bank Credit Card

Joining Fee

Rs. 1,500 + GST

Renewal Fee

Rs. 1,500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

One complimentary flight ticket worth Rs. 3000 and 6E Prime Add-On.


 

Top Travel Credit Cards in India for 2025

Credit Card NameBest ForKey BenefitsAnnual FeeEligibility Criteria
HDFC Bank Regalia Credit CardPremium Travel Benefits- 12,500 reward points on spending of ₹2.5 lakh. - Complimentary domestic and international lounge access. - Travel insurance.₹2,500Minimum annual income of ₹6 lakh.
SBI Card ELITEFrequent Travelers- 2,000 reward points on joining. - 4 complimentary domestic and international lounge accesses. - Annual travel vouchers.₹4,999Minimum annual income of ₹6 lakh.
Axis Bank Magnus Credit CardLuxury Travelers- 12 Edge Reward Points per ₹200 spent. - Complimentary lounge access. - Priority check-in and extra baggage allowance at airports.₹10,000Minimum annual income of ₹8 lakh.
American Express Platinum Travel Credit CardLuxury Travel & Benefits- 1 Membership Rewards Point for every ₹50 spent. - 2 complimentary domestic and international lounge accesses. - Travel concierge services.₹5,900Minimum annual income of ₹6 lakh.
ICICI Bank Sapphiro Credit CardPremium Travel Rewards- 6 Payback points per ₹100 on travel spends. - Free lounge access. - Up to ₹5 lakh air accident cover.₹6,500Minimum annual income of ₹8 lakh.
IndusInd Bank Legend Credit CardLuxury & International Travel- 2.5% cashback on international spends. - Priority check-in. - Complimentary lounge access and golf privileges.₹12,000Minimum annual income of ₹10 lakh.

 

Why We Choose These Cards

Credit Card NameWhy Choose This Card
HDFC Bank Regalia Credit CardIdeal for those looking for premium travel benefits, including complimentary lounge access and travel insurance.
SBI Card ELITEBest for frequent travelers with extensive lounge access, travel vouchers, and excellent rewards on travel-related spends.
Axis Bank Magnus Credit CardPerfect for luxury travelers who value rewards, priority check-in, and extra luggage allowance along with lounge access.
American Express Platinum Travel Credit CardGreat for luxury travel enthusiasts who enjoy concierge services and high reward points for travel-related purchases.
ICICI Bank Sapphiro Credit CardOffers significant rewards on travel expenses, a high level of travel insurance, and multiple lounge accesses.
IndusInd Bank Legend Credit CardIdeal for international travelers seeking cashback, golf privileges, and luxury travel services.

 

How to Choose the Best Travel Credit Card for You?

Here are a few tips to help you pick the best travel credit card:

  • Travel Perks: If lounge access, priority check-ins, and airport benefits are important to you, make sure your card offers these features.
  • Rewards on Travel Spending: Look for cards that offer higher reward points or cashback on travel-related purchases like flight bookings, hotels, and dining.
  • Travel Insurance: Some cards provide extensive travel insurance coverage, including air accident insurance, trip cancellations, and lost luggage coverage. Choose a card that fits your travel needs.
  • Eligibility Criteria: Ensure you meet the eligibility requirements, such as income levels and credit score, before applying for a premium card.

 

Conclusion

Travel credit cards are invaluable tools for those who travel frequently. They offer a variety of benefits such as reward points, lounge access, insurance, and discounts, making travel more affordable and enjoyable. The cards listed above are some of the best travel credit cards in India for 2025, catering to all kinds of travelers, from budget-conscious to luxury seekers. Choosing the right travel credit card depends on your preferences and spending habits. Consider the key benefits and eligibility criteria before making your decision to ensure you pick the one that provides maximum value for your travel needs.

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