Credit cards have emerged as essentials that not only make financing easy but also open a world of perks, especially for travel enthusiasts. With the advent of travel credit cards, jet-setting across the globe has become a more rewarding experience. Let us explore the top 10 travel credit cards in India for 2023, highlighting their unique features and benefits.
Top 10 travel credit cards in India 2024
Among the myriad choices, Bajaj Finserv stands out with an impressive line-up of co-branded credit cards, each offering a distinctive set of benefits. Here is an overview of popular co-branded credit cards offered by Bajaj Finserv:
Bajaj Finserv credit cards |
Complimentary airport lounge benefits |
2 complimentary domestic airport lounge access for a year |
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2 complimentary domestic airport lounge access for a year |
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4 complimentary domestic airport lounge access for a year |
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8 complimentary domestic airport lounge access for a year |
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4 complimentary domestic airport lounge access for a year |
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Complimentary access to domestic lounges once every quarter |
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Complimentary access to 1 domestic lounge once every quarter |
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Complimentary access to domestic airport lounges twice every quarter |
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Complimentary access to 2 domestic airport lounges every quarter |
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Complimentary access to 8 domestic and 2 international airport lounges every year |
Common benefits of a travel credit card
Whether you choose a Bajaj Finserv co-branded credit card or another option, travel credit cards often come with a host of common benefits. These include:
- Reward points: Earn points for every transaction, which can be redeemed for flight tickets, hotel stays, and more.
- Travel insurance: Many travel credit cards offer insurance coverage, including lost baggage and trip cancellations.
- Airport lounge access: Access to airport lounges provides a touch of luxury and comfort during your travels.
- Zero foreign transaction fees: Enjoy spending abroad without incurring additional fees.
Benefits of having a travel credit card in India
Owning a travel credit card is like having a passport to a world of privileges. Apart from the common benefits mentioned above, a travel credit card offers:
- Exclusive discounts: Enjoy special discounts on flights, hotels, and travel-related expenses.
- Dining benefits: Some travel cards offer discounts and complimentary meals at partner restaurants.
- Priority pass membership: Gain access to a network of airport lounges worldwide with a priority pass membership.
Bajaj Finserv co-branded credit cards offers a range of benefits that make your life hassle-free. You can click here to apply now and enjoy the credit card benefits.
Tips to find the right travel credit card
Choosing the right travel credit card can be a game-changer for your travel experience. Consider the following tips:
- Evaluate your travel habits: Choose a card that aligns with your travel frequency and preferences.
- Check for additional fees: Be aware of annual fees, interest rates, and other charges associated with the card.
- Review rewards program: Ensure the rewards program suits your lifestyle and provides valuable benefits.
Things to consider when comparing travel credit cards
When comparing travel credit cards, delve into the details such as:
- Lounge access: Assess the number of complimentary lounge visits offered.
- International acceptance: Confirm the card's acceptance in the countries you frequently visit.
- Reward redemption options: Check the flexibility and options for redeeming earned rewards.
What are the do's and don'ts of travel credit cards?
Here are some do's and don'ts to keep in mind:
Do's:
- Pay your bills on time: Avoid late payment fees and interest charges by paying your bills promptly.
- Monitor your expenses: Keep track of your spending to stay within your budget.
- Maximise rewards: Understand the rewards program and maximise your benefits by using the card strategically.
Don'ts:
- Do not ignore terms and conditions: Familiarise yourself with the terms and conditions to avoid unexpected surprises.
- Do not carry any balance: Pay the full balance each month to avoid accumulating interest charges.
- Do not overlook security: Keep your card details secure to prevent unauthorised transactions.
How to apply for travel credit card online?
Apply for a travel credit card online is easy and convenient. Follow the below simple steps:
- Visit the official website of the credit card issuer.
- Go to the 'Apply Now' or 'Credit Cards' section.
- Fill in the online application form with personal and financial details.
- Upload necessary documents.
- Review the application and submit.
Eligibility criteria for applying for credit card
Here are some common prerequisites you need to fullfill when applying for credit.
- The applicant must be of a minimum age of 21 years.
- The applicant should have a stable source of income.
- The applicant should have good credit score or as defined as the credit card provider/ bank.
- The applicant must hold Indian nationality.
Documents required to apply for credit card
Here are some of the commonly asked documents when applying for credit card.
- Identity proof (Aadhaar Card, passport).
- Address proof (Utility bill, rental agreement).
- Income proof (Salary slips, IT returns).
- Passport-sized photographs.
In conclusion, the travel credit cards, including those offered by Bajaj Finserv, are crafted to elevate your travel experiences. These credit cards offer a seamless blend of convenience, rewards, and exclusive privileges. Choose wisely and let your credit card be your trusted companion as you explore the world.
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