What is a travel credit card?

2 min read

A travel credit card is one of the many types of credit cards available today to customers and comes with many rewards that can help a customer who is a frequent traveller reduce his travel expenses. If you are a frequent traveller, you can get a travel credit card – that comes with benefits like cashback offers on airline tickets, complimentary lounge access, discounts on hotel stays and forex benefits.

Travel credit cards offer several attractive features, including rewards on spends abroad, welcome gifts and fee waivers on certain transactions. If you are looking for the best travel credit card, you should consider the Bajaj Finserv RBL Bank SuperCard.

The SuperCard works like a credit card, a cash card, a loan card, and an EMI Network Card. Get complimentary airport lounge access (up to 8 times a year), rewards points on domestic and international spends and much more.

The World Plus Credit Card by Bajaj Finserv and RBL Bank is one of the best international credit cards for travel.

Types of travel credit cards?

There are several types of travel credit cards available in the market that cater to different travel styles and preferences. Here are some of the most popular types of travel credit cards:

Airline credit cards: These cards are great for frequent flyers who want to earn miles for their flights and upgrade their status.

Hotel credit cards: These cards are ideal for individuals who frequently stay in hotels and want to earn points for their stays and redeem them for free nights or upgrades.

General travel credit cards: These cards are versatile and offer rewards on all types of travel expenses. They usually provide attractive sign-up bonuses, flexible reward redemption options, and additional benefits such as travel insurance.

Co-branded credit cards: These cards are issued by a specific airline or hotel brand and offer exclusive rewards and perks for loyal customers.

Premium travel credit cards: These cards offer premium benefits such as airport lounge access, concierge services, and travel credits, but usually come with a higher annual fee.

Benefits of travel credit card

Here are the key advantages of the travel credit card.

  • Reward points: Earn valuable reward points for every eligible purchase, including flights, hotels, and other travel-related expenses.
  • Airline miles: Accumulate airline miles that can be redeemed for free or discounted flights, upgrades, or other aviation-related perks.
  • Hotel stays: Enjoy complimentary hotel stays, room upgrades, or exclusive access to partner hotels through your travel credit card.
  • Airport lounge access: Gain access to airport lounges worldwide, providing a comfortable and relaxing environment during layovers or delays.
  • Travel insurance: Benefit from comprehensive travel insurance coverage, including trip cancellation, baggage loss, and emergency medical expenses.
  • Foreign transaction fee waiver: Many travel credit cards waive foreign transaction fees, making them cost-effective for international spending.
  • Exclusive travel partnerships: Access exclusive partnerships with travel providers, leading to additional discounts, priority boarding, and more.
  • Concierge services: Enjoy personalised concierge services to assist with travel arrangements, reservations, and other travel-related needs.

How does travel credit card work?

Travel credit cards operate by rewarding users with points or miles for every eligible purchase, with a focus on travel-related spending. Accumulated points can be redeemed for perks such as free flights, hotel stays, and car rentals. Some cards offer airline miles, providing opportunities for discounted or complimentary flights. Additionally, cardholders often enjoy benefits like airport lounge access, travel insurance coverage, and exclusive partnerships with travel providers. With features like foreign transaction fee waivers, these cards cater to globetrotters, turning everyday spending into valuable travel rewards.

Read More Read Less

Frequently asked questions

Which card is best for travelling?

The Bajaj Finserv RBL Bank World Plus SuperCard is the best travel credit card. It offers 8 complimentary domestic airport lounge access, fuel surcharge waivers, 10x rewards on dining and international spends and annual savings of up to Rs. 55,000.

What is a travel credit card?

Travel credit can be defined as a card that helps reduce your travel expenses while also offering discounts, reward points and cashback on your transactions. You can use the travel credit card for your future trips to save on hotel stays and earn forex benefits.

Which card is best for international travel?

The Bajaj Finserv RBL Bank World Plus SuperCard is the best credit card for international travel. This credit card offers 8 complimentary domestic airport lounge access and 10x rewards on dining and international expenditures. Additionally, you can avail of a fuel surcharge waiver of up to Rs. 200 per month.

What are the benefits of a travel card?

Travel credit cards offer a range of benefits and perks. You can get discounts and cashback on ticket bookings. The best credit cards for international travel provide free access to domestic and international airport lounges.

What is the difference between a travel credit card and a normal credit card?

A travel credit card is specifically designed to offer rewards and benefits related to travel, such as airline miles, hotel points, and travel insurance. Normal credit cards may offer various rewards and benefits, but they do not cater specifically to travel-related expenses.

What is a ‘travel credit’ on a credit card?

A travel credit is a credit card benefit that can be used towards travel expenses such as flights, hotels, or rental cars. The amount of the credit and the specific terms and conditions may vary depending on the credit card issuer.

Can I use a travel credit card for everyday purchases?

Yes, you can use a travel credit card for everyday purchases. However, you may earn more rewards and benefits by using the card for travel-related expenses, since that is usually where the card's rewards structure is the most generous.

Which is better for travel: a credit card or a debit card?

A credit card is generally considered to be better for travel, since it offers more protections against fraud and can provide rewards and benefits related to travel. However, it is important to use credit cards responsibly and to pay off the balance in full each month to avoid accruing interest charges. Debit cards are also a good option for travel, as they do not have the potential for accruing debt and may be more widely accepted in certain countries.

Read More Read Less