Travel Credit Card

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<h2>Overview</h2>
<p>With credit cards, it is easy and flexible to build credit history, earn rewards, and finance purchases. 
    They provide short-term credit so that you can purchase now and pay for it later. 
    As long as the payment is done by the due date, the customer doesn't normally pay for interest. </p>

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<p>
    Credit cards provide various advantages ranging from travel privileges requirements like getting into airport 
    lounges and getting travel insurance to rewards programs like cashback and points to air miles. 

</p>
<br>
<p>However, it is important to utilize prudently lest the user gets into trouble with high rates of interest, late payment penalties, and overspending. Managing credit utilization, monitoring purchasing habits, and making sure that payments are timely will help you maximize your credit card benefits.</p>

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<p>Rewards and lifestyle benefits are just a few of the aspects that India has to offer through its wide array of credit cards-from travel and shopping to many others. Your spending patterns and the features you value most will determine which card is best for you.<br>&nbsp;</p><table><thead><tr><th><strong>Credit card name</strong></th><th><strong>Rewards</strong></th><th><strong>Annual fees</strong></th><th><strong>Best suited for</strong></th></tr></thead><tbody><tr><td>HDFC Diners Club Black Credit Card</td><td>With five reward points for every Rs. 150 spent, the base rewards rate is high at 3.33%.</td><td> <span class='webrupee'>₹</span>10,000</td><td>Travel &amp; rewards.</td></tr><tr><td>Axis Bank Reserve Credit Card</td><td>Domestic and international lounges unlimited access with Priority Pass.</td><td> <span class='webrupee'>₹</span>50,000</td><td>Travel &amp; rewards</td></tr><tr><td><strong>Axis Atlas Credit Card</strong></td><td>Foreign lounges can be accessed up to 12 times in a year.</td><td> <span class='webrupee'>₹</span>5,000</td><td>Travel &amp; rewards.</td></tr><tr><td><strong>HDFC Regalia Gold Credit Card</strong></td><td>Reliance Digital, Myntra, Nykaa, and Marks &amp; Spencer 5X reward points.</td><td> <span class='webrupee'>₹</span>2,500</td><td>Travel &amp; shopping.</td></tr><tr><td><strong>Cashback SBI Card</strong></td><td>5% reward on all purchases made online.</td><td> <span class='webrupee'>₹</span>999</td><td>Cashback &amp; online shopping.</td></tr><tr><td><strong>Tata Neu Plus HDFC Credit Card</strong></td><td>Tata Neu can return up to 7% of its expenditures.</td><td> <span class='webrupee'>₹</span>499</td><td>Co-branded &amp; shopping.&nbsp;</td></tr><tr><td><strong>HSBC Platinum Credit Card</strong></td><td>Air India, InterMiles, British Airways, Singapore Airlines, Vistara, and Etihad convert air miles.</td><td>Nil</td><td>Travel &amp; dining.</td></tr><tr><td><strong>IndusInd Platinum Credit Card</strong></td><td>With IndusInd Bank's surcharge waiver program, there is no gas charge at any petrol station across India.</td><td>Nil</td><td>Fee waiver.</td></tr><tr><td><strong>Amazon Pay ICICI Credit Card</strong></td><td>Reward points are redeemable on Amazon.in and at more than 100 Amazon Pay merchant locations.</td><td>Nil</td><td>Cashaback</td></tr><tr><td><strong>Federal Bank Signet Credit Card</strong></td><td>Free Swiggy coupons can be availed when you spend Rs. 20,000 in a quarter.&nbsp;</td><td>Nil</td><td>Rewards.</td></tr></tbody></table>

Best credit cards in India

<h2>Features and benefits of credit cards</h2>
<div class="dataPageContent">
    <ul class="edgeTop">
        <li>
            <strong>Secure and convenient: </strong>
            Credit cards are a great alternative to cash when carrying out important transactions.
            For instance, contactless payment systems make a purchase safer and quicker.
        </li>
        <li>
            <strong>Rewards and cash backs: </strong>
            You get cashback, points, or miles for every purchase you make with your credit card. 
            You can use these rewards to book airfares, purchase merchandise, obtain gift cards, 
            or receive statement credits.
        </li>
        <li>
            <strong>Building your credit score: </strong>
            If you use your credit card wisely, your credit card will cost you less: 
            make payments on time, and keep your utilization ratio low. 
            Over a period of time, you'll manage to create a good standing profile.
        </li>
        <li>
            <strong>Interest-free period: </strong>
            Most credit cards have an interest-free period of between 20 and 50 days. 
            During this period, you can make purchases without attracting interest. 
            As a result, by taking time to budget your spending and then pay off the entire amount due, 
            you should be able to avoid certain hefty interest charges.
        </li>
        <li>
            <strong>Discounts and deals: </strong>
            Credit cards can allow you to access exclusive events or offers and savings examples of 
            these might include free movie tickets, a restaurant discount, 
            or an upgrade on a trip that gives added worth to what you spend money on.
        </li>
    </ol>
</div>

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<h2>Types of credit cards</h2>

<div class="dataPageContent">
    <ol class="edgeTop">
        <li>
            <strong>Co-branded credit cards: </strong>
            These are issued in conjunction with specific businesses, 
            whether it is airlines, retail stores or internet portals, 
            and you get extra rewards when you shop at those businesses.

        </li>
        <li>
            <strong>Travel credit cards: </strong>
            Travel credit cards cater to frequent travelers since they 
            come with benefits such as free airport lounge access, miles in terms 
            of free travel, as well as saving a fortune when you book flights and even hotel rooms.
        </li>
        <li>
            <strong>Fuel credit cards: </strong>
            Reducing the cost of fuel is the objective of fuel credit cards. 
            The petrol stations that accept fuel credit cards usually provide waivers 
            of gasoline surcharge, cashback, and reward points on purchased fuel.
        </li>
        <li>
            <strong>Super premium credit cards: </strong>
            Only high net worth individuals can be targeted as these super 
            premium credit cards come with special luxury benefits such as 
            unlimited complimentary airport lounge access, round-the-clock 
            concierge services, free golf games, and higher reward rates.
        </li>
        <li>
            <strong>Shopping credit cards: </strong>
            These credit cards make each shopping spree much more rewarding 
            as they provide cash back, discount rewards, and points on purchase 
            transactions made in stores and online, from established merchants.
        </li>
        <li>
            <strong>Lifetime free credit cards: </strong>
            For newbies to credit, lifetime-free credit 
            cards are perfect because there is no yearly 
            renewal or joining fee.
        </li>
        <li>
            <strong>Rewards credit cards: </strong>
            With each purchase, rewards credit cards earn you points that you redeem 
            for a list of products or services, including cashback, gift cards, flights, and items.
        </li>
        <li>
            <strong>Cashback credit cards: </strong>
            Cashback credit cards give you value immediately by paying you 
            back as cashback or redeemable points on a fraction of your purchase. 
            Cash is usually applied against your statement balance or credited in your account.
        </li>
    </ol>
</div>

<h2>Credit card eligibility</h2>

<p>Before applying for a credit card you need to find out the eligibility criteria set by different lenders to avail the benefits of credit cards. 
    However, the eligibility criteria can vary from lender to lender but the basic requirements is as follows:
</p>
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<div class="dataPageContent">
    <ul>
        <li>
            <strong>Credit score: </strong>
            750 or more.
        </li>
        <li>
            <strong>Age: </strong>
            The applicant age should lie between the bracket of 18 years to 60-65 years.
        </li>
        <li>
            <strong>Income: </strong>
            Stable monthly income.
        </li>
        <li>
            <strong>Employment: </strong>
            Self employed or salaried individuals both can apply. 
        </li>
    </ul>
</div>

<h2>How to apply for a credit card? </h2>
<p>In a few simple steps you can easily apply for a credit card in 
   your preferred way, that is online and offline by visiting the bank's branch. 
</p>
<br>

<h3>Steps to apply for credit card online</h3>
<br>
<div class="dataPageContent">
    <ul>
        <li>
            <strong>Step 1: </strong>
            Visit the website of the bank of your preferred choice, 
            and select the credit card type you find most suitable and 
            check for the eligibility criteria.
        </li>
        <li>
            <strong>Step 2: </strong>
            If eligible for the credit card, then submit the required 
            documents for the verification process to start.
        </li>
        <li>
            <strong>Step 3: </strong>
            After submitting the documents, 
            complete the application procedure.
        </li>
        <li>
            <strong>Step 4: </strong>
            Visit the website of the bank of your preferred choice, 
            and select the credit card type you find most suitable and 
            check for the eligibility criteria.
        </li>

    </ul>
</div>

Credilio Embed 2

Are ultra premium credit cards worth their hefty annual fees?

Cards that don’t give a fee waiver option become a costly proposition the second year onwards

<ul><li>Cards that don’t give a fee waiver option become a costly proposition the second year onwards</li></ul>

HDFC Infinia reclaims top spot as Axis devalues Magnus credit card

Axis Bank's decision to devalue its Axis Magnus credit card has left high spenders looking for alternatives. The HDFC Infinia credit card, which is invite-only, is being touted as a high-reward alternative. The card offers five reward points on every INR150 ($2.11) spent, and 3-10 times the base reward points on certain purchases made through the HDFC SmartBuy platform. However, the card is difficult to secure.

Axis Magnus was a hugely sought-after credit card and offered one of the highest reward points in the world.

Not a high spender? Here are two credit cards that earn you 5% rewards

Cashback credit cards are a simple and hassle-free way for consumers to earn rewards on their purchases. With a cashback credit card, a percentage of the amount spent is paid back to the cardholder, typically ranging from 1-10% depending on the card and type of spend. Cashback cards are particularly well-suited for those with lower spends, as credit cards that offer air miles tend to be more beneficial for those with higher spending levels. The ICICI Amazon Pay credit card and SBI Cashback credit card are two of the best cashback cards available in the Indian market, offering high reward rates of 2-5% on online shopping and covering most spend categories.

Depending on your spends, ICICI Amazon Pay and SBI Cashback credit cards offer rewards in the range of 1-5%.

Credit card jugaad: Sharing can max out rewards but has risks

Indian credit card holders are using a workaround to earn more reward points, by transacting on behalf of other people in return for a small fee. The cardholder earns a reward on the transaction, and the buyer gets a discount on the purchase. However, the practice is against banks' terms and conditions. Spends that exceed the income limit raise a red flag and can lead to an account being closed. The income tax department can also scrutinise credit card spending through the Annual Information Statement if it exceeds total income.

Credit card users can earn more rewards by transacting on behalf of others, but this breaches the terms and conditions of banks and could lead to account closures

Unlocking rewards:  Meet India's credit card nerds earning free foreign trips worth  <span class='webrupee'>₹</span>25 lakh

In a world where overseas trips may remain an unaffordable dream for most, a group of credit card aficionados are defying the odds

Here’s how you can enjoy a 5-star hotel stay for free

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Reward points earned from credit card spends can be transferred to loyalty programmes of hotels

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<p>Apply for free credit card in India. Get lifetime free credit cards from HDFC, SBI, Axis, ICICI, and more. Compare the best credit cards in India with unmatched rewards and benefits. Apply for credit card today!</p>

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