Elite Credit Cards with Airport Lounge Access & More
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Ultimate Travel Card Guide: Best Fees, Lounges Access , & More
Travel Cards: Key Insights
- Club Vistara IDFC First Credit Card.
- AXIS Vistara Signature Credit Card.
- AIR INDIA SBI Signature Credit Card.
- HDFC InterMiles Signature Credit Card.
- Yatra SBI Card.
- MakeMyTrip ICICI Bank Signature Credit Card.
- AXIS BANK ATLAS Credit Card.
- IRCTC SBI Card Premier.
Approach for Analysis :-
(1) User-Friendly Experience: Scrutinized the clarity and
ease of the reward points system, with attention to any limitations
on point accrual.
(2) Additional Perks: Explored supplementary benefits beyond standard payment features, encompassing welcome incentives, non-fuel discounts, surcharge waivers, and more.
(3) Cost Analysis: Evaluated the comprehensive cost structure, encompassing annual fees, additional charges, hidden fees, and potential rebates.
(4) Widespread Acceptance: Emphasized the card's universal acceptance, factoring in the credibility of the issuing institution.
(5) Streamlined Reward Redemption: Prioritized the simplicity and transparency of the reward points redemption process for enhanced user convenience."
.png "Club Vistara IDFC First Credit Card")
.png "AXIS Vistara Signature Credit Card")
Elevate Your Journey with Exclusive Benefits - A Blend of Luxury and Savings
With a modest Joining Fee of Rs 3000 + GST and an Annual Fee of Rs 3000 + GST, this card is a gateway to a world of privileges and savings.
1. Enjoy a Vistara Premium Economy Class Ticket in the First Year and Subsequent Years on Renewal.
2. Enroll in the Club Vistara Silver Membership Program.
*Activation Benefit of Bonus CV Points to be achieved within 90 days of card issuance, valid only in the first year.*
(2) Earn 4 Club Vistara Points for every INR 200 spent.
1. Air Accident Cover: Rs 2.5 Cr.
2. Purchase Protection: Rs 1 Lakh.
3. Loss Card Liability: Rs 3 Lakh.
4. Travel Insurance Coverage: Loss of Travel Documents, Check-in Baggage, Delay in Check-in Baggage at USD 300 each.
(1) 3.6% per month (52.86% Per Annum).
2. Those who Prefer Vistara Airlines
(1) Exciting Welcome and Milestone Benefits.
(2) Exclusive Club Vistara Silver Membership.
(3) Generous Milestone Spend Rewards.
***For the latest updates and Terms/Conditions, please visit the official site link.***
.png "AIR INDIA SBI Signature Credit Card")
Joining Fee: Rs 4999 + GST | Renewal Fee: Rs 4999 + GST
1. Joining Reward Points: 20,000 points within 15 days of Joining Fee payment.
3. Up To 30 Reward Points for Every Rs 100 Spent on Air India Ticket: Smart travel choices bring more rewards.
4. Up To 30 Reward Points for Self-booked Tickets: Plus, 10 Reward Points for others.
5. Earn 10 Reward Points for Every Rs 100 Spent on Super Saver Booklet Purchases.
6. Anniversary Bonus: Get 5000 Reward points with each renewal.
(1) Redemption minimum of 10,000 points and multiples of 5000 points.
(2) 1 Reward point = 1 Air Mile.
(1) Eight Complimentary Domestic VISA Lounge Visits: Maximize relaxation at no extra cost. (02 per Quarter)
(2) 1% Fuel Surcharge Waiver: Save on fuel expenses with every transaction.
(1) 3.50% per month (42% per Annum)
(2) Lost Card Liability: Rs 1 Lakh.
2. Milestone and Lounge Benefits: Exceptional perks designed for frequent flyers, making every journey rewarding.
3. Flexible Redemption Options: Enjoy the freedom to choose how you redeem your hard-earned reward points.
4. Exclusive Discounts on Air India Services: Unlock exclusive savings on various Air India services.
***For the latest updates and Terms/Conditions, please visit the official site link. ***
Joining Fee: Rs 2500 + GST | Annual Renewal Fee: Rs 2500 + GST (Waived off on spending Rs 3 Lakh in a year)
(1) 3000 InterMiles on spending Rs 6000 within the first
30 days.
(2) 5000 InterMiles on a total RETAIL spend of Rs 90,000 & above within the first 90 days.
(1) Continue the exciting journey with 3,000 InterMiles upon spending Rs. 6,000 within the first 30 days of the Anniversary date.
(1) Rs. 750 Flight Discount vouchers.
(2) Rs. 1000 Hotel Discount vouchers.
(1) In 1st Year: Rs 750 on return flight ticket booked.
(2) In 1st Year: Rs 2000 on hotel booking.
(1) 6 Inter Miles on every spend on Retail above Rs 150.
(2) 12 Inter Miles on flight Tickets booked on the InterMiles site.
(3) 12 Inter Miles on every Rs 150 on hotel booking on the InterMiles site.
- Enjoy substantial rewards on hotel and flight bookings, enhancing your travel experiences.
2. High-Earning Potential:
- Earn 12X rewards on travel and flight bookings, maximizing your reward points with each journey.
3. Discounts on Etihad Bookings
- Avail discounts on Etihad Airways bookings, making international travel more cost-effective.
4. Annual Fee Waiver:
- The annual renewal fee is waived off on spending Rs 3 Lakh in a year, offering financial flexibility.
- Restriction to redeem rewards exclusively on the InterMiles website may limit flexibility.
2. Finance Charges and Usage Limitation:
- Relatively high finance charges (3.6% per month) and usage limitations may impact overall suitability.
The HDFC InterMiles Signature Credit Card caters to travel enthusiasts with decent rewards and exclusive benefits. However, potential users should carefully consider the redemption limitations and finance charges against the benefits offered.
***For the latest updates and Terms/Conditions, please visit the official link. ***
The Best Travel Companion: Yatra SBI Card
Joining Fee: Rs 499 + GST | Renewal Fee: Rs 499 + GST (Annual fee waived if total annual spends for the last year >Rs. 100,000)
Exclusive promocode usable up to 6 times a year!
1. Rs 1000 OFF on Domestic Flight bookings (Transaction > Rs 5000 at Yatra.com).
2. Rs 4000 OFF on International Flight bookings (Transaction > Rs 40000 at Yatra.com).
3. Enjoy a 20% discount on domestic hotels (Min value Rs 3000, Max discount Rs 2000).
1. 6 Reward points per Rs 100 on Departmental store, Grocery, Dining, Movie, and entertainment, and International spends separately. (Up to 5000 Reward Points per month)
2. 1 Reward point on every Rs 100 spend on other categories.
3. Exchange your Reward Points for Yatra.com discount vouchers (1 point = Rs. 0.25. Minimum threshold is 1000 Reward points).
4. Fuel Surcharge Waiver: Up To Rs 100 per month (Transaction between Rs 500- Rs 3000).
(1) Rs 50,000 coverage offered by New Assurance Company.
Supplementary Card Fee: Nil | Minimum Spends for Annual Fee Reversal: ₹250 (Every year)
Complimentary MMTBLACK Membership
(1) Spend on flights, hotels, and vouchers.
(2) Valid for a Year | 🚂 Not for Trains.
(3) Rs 1,500 My Cash as Joining Perk!
(2) Valid for a Year.
(2) Elite Benefits & 🚗 Exclusive Discounts.
(2) Movie Buff Delight: 25% off at BookMyShow & INOX - Twice a month!
International Travel Benefits Etc. :
(2) Earn exciting MMT MyCash on transactions.
(3) Air Accident Cover & Up to ₹5,000 Bonus MMT MyCash.
(2) Cash Advances: 3.50% Monthly | 42% Annual.
2. More lounge access: 2 complimentary visits.
3. Welcome benefits: Rs. 1,500 My Cash.
2. Limited category rewards.
2. Entertainment Buffs: Movie lovers who appreciate discounts on BookMyShow and INOX.
3. International Jetsetters: A great choice for those who frequently travel abroad, with extra My Cash for global adventures.
(1) Experience luxury with a Joining Fee of Rs 5000 plus GST. Keep the perks flowing with an equal Renewal Fee.
(2) Exclusive Silver Membership Tier.
(3) Get a special Anniversary gift on completion of the year - 10,000 EDGE MILES.
(1) Earn 2 EDGE MILES for every Rs 100 spent across all categories (excluding spend on Airlines, Hotel, and AXIS Bank Travel EDGE portal).
(2) Accelerate your journey with 5 EDGE MILES for every Rs 100 spent on Airlines, Hotel, and AXIS Bank Travel EDGE portal.
( 1 EDGE MILE = Rs 1 - Your EDGE MILES are as good as cash )
1 EDGE MILE = 2 Partner points (excluding Marriott Bonvoy).
2 EDGE MILES = 1 Marriott Bonvoy point.
(2) Domestic Lounge Access: 4 times yearly.
(3) International Lounge Access: 8 times yearly.
Watch your spending transform into a treasure trove of EDGE MILES and BONUS rewards! The more you spend, the richer your rewards, offering you maximum benefits.
Venture into the world but be aware of a 3.5% Forex Markup. A small fee for the vast world of rewards awaiting you!
(2) Frequent flyers seeking exclusive lounge access.
(3) Those aiming to maximize rewards through elevated spending.
***For the latest update and Terms/Conditions, kindly visit the official site.***
Unleash the Power of IRCTC SBI Card Premier - Elevating Your Travel Experience!
(1) Revel in up to 10% Value Back on various bookings:
(2) 10% on AC1, AC2, AC3, Executive Chair Car, and Chair as reward points for IRCTC train ticket bookings.
(3) 5% e-catering purchases via IRCTC.
1. Slightly High Annual Fee
***For the latest update and Terms/Conditions, kindly visit the official site.***
In conclusion, the optimal travel credit card choice hinges on prioritizing key features such as a rewarding points/miles system, a substantial sign-up bonus, flexible redemption options, comprehensive travel insurance, minimal foreign transaction fees , airport lounge access, global acceptance, a favorable annual fee-to-benefit ratio , reliable customer support, and potentially an introductory 0% APR period.
(2) Additional Perks: Explored supplementary benefits beyond standard payment features, encompassing welcome incentives, non-fuel discounts, surcharge waivers, and more.
(3) Cost Analysis: Evaluated the comprehensive cost structure, encompassing annual fees, additional charges, hidden fees, and potential rebates.
(4) Widespread Acceptance: Emphasized the card's universal acceptance, factoring in the credibility of the issuing institution.
(5) Streamlined Reward Redemption: Prioritized the simplicity and transparency of the reward points redemption process for enhanced user convenience."
Club Vistara IDFC First Credit Card
.png "Club Vistara IDFC First Credit Card")
Elevate Your Journey with Exclusive Benefits - Unleashing a World
of Savings!
Embarking on luxury is more rewarding than ever! With a
joining fee of Rs 4999 plus GST and
an annual fee from the 2nd year at Rs 4999 plus GST, this
card promises not just privileges but significant savings.
Outstanding Features for an Elevated Experience
1. Free Premium Economy Ticket Voucher: Begin your journey in
luxury at no extra cost, offering both comfort and savings.
2. Free Class Upgrade e-Voucher: Travel in style without
breaking the bank, enhancing your experience effortlessly.
3.
Three Months Free EazyDiner Prime & BQ Prime Memberships:
Indulge in top-notch dining experiences for free, saving on your
culinary delights.
4. Free CLUB VISTARA SILVER Membership: Exclusive VIP
privileges at no additional cost, adding value to your travel.
5. Priority Check-In and Wait List Clearance:
Save time and travel stress-free with priority services at
airports.
6. Complimentary WIFI: Stay connected on the go with free
high-speed internet, adding convenience to your journey.
Points Redemption - Making Your Joining Fee a Total Steal
Explore incredible benefits of Points 1, 2, & 3, turning your
joining fee into an
investment in a lifestyle where luxury meets savings.
Maximize Benefits with CV Rewards Points
Earning Rewards: Enjoy bonus CV Points from the 2nd to the
4th month, accumulating up to 6000 CV Rewards Points!
CV Points on Every Transaction: Earn points on every spend,
with extra rewards on birthdays and specific categories like dining,
fuel,
insurance, utility, rent, and wallet load.
Utilize CV Points for Exciting Journeys: Domestic and
International Tickets
Important Note: CV Points are not valid on EMI and cash
transactions. Plan your redemptions accordingly
Multiple Milestones Benefit in a Year
1. Rs 1.5 Lakh Spend: Unlock the 1st premium Economy ticket
for an elevated journey.
2. Rs 3 Lakh Spend: Double your rewards with the 2nd premium
Economy ticket.
3. Rs 4.5 Lakh Spend: Elevate further with the 3rd premium
Economy ticket.
4. Rs 9 Lakh Spend: Experience premium travel with the 4th
premium Economy ticket.
5. Rs 12 Lakh Spend: Reach the pinnacle with the 5th premium
Economy ticket.
Saving You Money Every Step of the Way
1.Baggage Coverage: Up to USD 1200 coverage for loss of
check-in baggage, delay, loss of passport, and flight delay -
safeguarding belongings and saving potential financial losses.
2. Airport and Lounge Delights: Enjoy complimentary lounge
visits, both domestic and international, and spa access, adding
luxury to travels without extra costs.
3. Cancellation Flexibility: Two claims annually, up to Rs
10,000 each, for flight and hotel bookings, providing flexibility
without breaking the bank.
4. Safety and Security: Air accident cover of Rs 1 Cr,
personal accident cover of Rs 10 Lakhs, and lost card liability
cover of Rs 50,000 - peace of mind without compromising the budget.
5. Golf Enthusiast's Paradise: Complimentary golf lessons and
rounds, plus a 50% discount on additional sessions - indulge in
passion without burning a hole in the pocket.
Bank Charges: Making Every Transaction Count
International Transaction Charges:
Forex Markup fee is a wallet-friendly 2.99%.
Interest-Free ATM Withdrawal:
Enjoy free withdrawals from Domestic and International ATMs for up to 48 Days.
APR/Interest Rates:
Monthly rates range from 0.75% to 3.5%.
PROs:
1. Extensive Rewards: Earn more by spending more,
ensuring your money works for you.
2. Low Forex Markup: Enjoy a competitive rate at 2.99%, a
smart choice for international transactions.
3. Premium Economy Tickets: For heavy spenders and business
enthusiasts, get 5 complementary tickets, adding value to your
expenditures.
CONs:
1. CV Points Decrease: After crossing the 1 lakh spending
limit, CV points decrease from 6 CV to 4 CV.
2. Annual Fee Alignment: The annual fee is higher compared to
other travel credit cards.
Who Should Buy:
(1) Individuals seeking a
travel card with a focus on saving cash.
(2) Frequent international travelers looking to
optimize spending.
(3) Those who prefer Vistara Airlines and can capitalize on
the card's benefits by spending at least 1 Lakh per month.
***For the latest updates and Terms/Conditions, visit the
official site link.***
AXIS Vistara Signature Credit Card
.png "AXIS Vistara Signature Credit Card")
Elevate Your Journey with Exclusive Benefits - A Blend of Luxury and Savings
With a modest Joining Fee of Rs 3000 + GST and an Annual Fee of Rs 3000 + GST, this card is a gateway to a world of privileges and savings.
Welcome Benefits:
1. Enjoy a Vistara Premium Economy Class Ticket in the First Year and Subsequent Years on Renewal.
2. Enroll in the Club Vistara Silver Membership Program.
Milestone Achievement Benefits:
(1) Earn 3000 Club Vistara Points on Spending Rs 75,000 in the First 90 Days.*Activation Benefit of Bonus CV Points to be achieved within 90 days of card issuance, valid only in the first year.*
(2) Earn 4 Club Vistara Points for every INR 200 spent.
Milestone Spend Rewards:
| Multiple Milestones Benefit in a Year |
|---|
| Multiple Milestones Benefit in a YearRs 1.5 Lakh Spend: Enjoy the luxury of the 1st complementary premium Economy ticket voucher. |
| Multiple Milestones Benefit in a YearRs 3 Lakh Spend: Reach new heights with the 2nd complementary premium Economy ticket voucher. |
| Multiple Milestones Benefit in a YearRs 4.5 Lakh Spend: Soar to the skies with the 3rd complementary premium Economy ticket voucher. |
| Multiple Milestones Benefit in a YearRs 9 Lakh Spend: Experience premium travel with the 4th complementary premium Economy ticket voucher. |
Important Note: As of Jan 3, 2024, CV Points cannot be earned
on Government services and utilities.
Other Benefits: Ensuring Your Safety and Convenience in Every Aspect
1. Air Accident Cover: Rs 2.5 Cr.
2. Purchase Protection: Rs 1 Lakh.
3. Loss Card Liability: Rs 3 Lakh.
4. Travel Insurance Coverage: Loss of Travel Documents, Check-in Baggage, Delay in Check-in Baggage at USD 300 each.
Financial Charges:
(1) 3.6% per month (52.86% Per Annum).
Eligibility:
(1) Age: 18 Years – 70 Years
(2) Salaried and Self-Employed Individuals with an annual income of 6 Lakh or more.
(2) Salaried and Self-Employed Individuals with an annual income of 6 Lakh or more.
Suitable For:
1. Frequent Travelers2. Those who Prefer Vistara Airlines
Pros:
(1) Exciting Welcome and Milestone Benefits.
(2) Exclusive Club Vistara Silver Membership.
(3) Generous Milestone Spend Rewards.
Cons:
(1) Points cannot be earned on Government services and utilities.***For the latest updates and Terms/Conditions, please visit the official site link.***
AIR INDIA SBI Signature Credit Card
.png "AIR INDIA SBI Signature Credit Card")
Unlock Savings, Elevate Your Lifestyle.
Joining Fee: Rs 4999 + GST | Renewal Fee: Rs 4999 + GST
Welcome Benefits:
1. Joining Reward Points: 20,000 points within 15 days of Joining Fee payment.
2. Membership of Flying Return: Frequent Flyer perks from day one.
Reward Program:
1. Earn 4 Reward Points for Every Rs 100 Spent
Reward Program:
1. Earn 4 Reward Points for Every Rs 100 Spent
2. Annual Bonus Rewards:
| Up To 1,00,000 Bonus Reward Points |
|---|
| Up To 1,00,000 Bonus Reward PointsSpend More Than Rs 5,00,000 Earn 20000 Reward points |
| Up To 1,00,000 Bonus Reward PointsSpend More Than Rs 10,00,000 Earn 30000 Reward points. |
| Up To 1,00,000 Bonus Reward PointsSpend More Than Rs 20,00,000 Earn 50000 Reward points |
3. Up To 30 Reward Points for Every Rs 100 Spent on Air India Ticket: Smart travel choices bring more rewards.
4. Up To 30 Reward Points for Self-booked Tickets: Plus, 10 Reward Points for others.
5. Earn 10 Reward Points for Every Rs 100 Spent on Super Saver Booklet Purchases.
6. Anniversary Bonus: Get 5000 Reward points with each renewal.
Air Miles Redemption:
(1) Redemption minimum of 10,000 points and multiples of 5000 points.
(2) 1 Reward point = 1 Air Mile.
Additional Benefits:
(1) Eight Complimentary Domestic VISA Lounge Visits: Maximize relaxation at no extra cost. (02 per Quarter)
(2) 1% Fuel Surcharge Waiver: Save on fuel expenses with every transaction.
Finance Charge:
(1) 3.50% per month (42% per Annum)
(2) Lost Card Liability: Rs 1 Lakh.
PROs:
1. Decent Reward Rate: Earn 1.8% on every spend, complemented by the Welcome Benefit of 20,000 reward points.2. Milestone and Lounge Benefits: Exceptional perks designed for frequent flyers, making every journey rewarding.
3. Flexible Redemption Options: Enjoy the freedom to choose how you redeem your hard-earned reward points.
4. Exclusive Discounts on Air India Services: Unlock exclusive savings on various Air India services.
CONs:
1. Restricted Usage: Limited to tickets booked through Air India official sites.***For the latest updates and Terms/Conditions, please visit the official site link. ***
HDFC InterMiles Signature Credit Card
Elevate Your Experience and Save with InterMiles HDFC Bank
Signature Credit Card
Joining Fee: Rs 2500 + GST | Annual Renewal Fee: Rs 2500 + GST (Waived off on spending Rs 3 Lakh in a year)
InterMiles Welcome and Renewal Benefits:
1. 8000 Bonus InterMiles in Two Parts:
(2) 5000 InterMiles on a total RETAIL spend of Rs 90,000 & above within the first 90 days.
2. Renewal Benefits: 2nd year
(1) Continue the exciting journey with 3,000 InterMiles upon spending Rs. 6,000 within the first 30 days of the Anniversary date.
Experience savings on your Flight & Hotel bookings:
(1) Rs. 750 Flight Discount vouchers.
(2) Rs. 1000 Hotel Discount vouchers.
Discount Vouchers: Exclusive Savings on Your Travel.
(1) In 1st Year: Rs 750 on return flight ticket booked.
(2) In 1st Year: Rs 2000 on hotel booking.
InterMiles on Every Spend: Maximize Your Rewards.
(1) 6 Inter Miles on every spend on Retail above Rs 150.
(2) 12 Inter Miles on flight Tickets booked on the InterMiles site.
(3) 12 Inter Miles on every Rs 150 on hotel booking on the InterMiles site.
Exclusive Etihad Airways Benefits:
Elevate Your Flying Experience! Booked on the InterMiles
site.
(1) 5% OFF on Economy Class ticket bookings.
(2) 10% OFF on Business class ticket bookings.
(3) 2.5X reward points on Etihad ticket bookings.
(1) 5 Complimentary International lounge visits with Priority Pass.
(2) 16 Free Domestic lounge visits under VISA LOUNGE ACCESS program (4 visits per quarter).
(3) MasterCard Lounge Program. Avail 16 complimentary visits (4 per quarter) when you travel.
(1) Save up to 20% on dining bills paid through Dine out Pay via your InterMiles HDFC Bank Signature Credit Card (15% Dine out Discount + Additional 5% HDFC Bank Discount).
(2) Maximum discount per transaction capped at Rs 1000. Maximum discount per customer per month capped at Rs 1000.
1. Finance Charges: 3.6% PM (43.2% PA)
2. Eligibility:
- Salaried person - Rs 90,000 Per Month / Age 21-60 Years
- For Self-Employed: - ITR more than Rs 12 Lakh per annum / Age 21 Years- 65 years.
1. Decent Rewards on Travel:
(1) 5% OFF on Economy Class ticket bookings.
(2) 10% OFF on Business class ticket bookings.
(3) 2.5X reward points on Etihad ticket bookings.
Lounge Access:
(1) 5 Complimentary International lounge visits with Priority Pass.
(2) 16 Free Domestic lounge visits under VISA LOUNGE ACCESS program (4 visits per quarter).
(3) MasterCard Lounge Program. Avail 16 complimentary visits (4 per quarter) when you travel.
Complementary Dine Out
(1) Save up to 20% on dining bills paid through Dine out Pay via your InterMiles HDFC Bank Signature Credit Card (15% Dine out Discount + Additional 5% HDFC Bank Discount).
(2) Maximum discount per transaction capped at Rs 1000. Maximum discount per customer per month capped at Rs 1000.
Other Details:
1. Finance Charges: 3.6% PM (43.2% PA)
2. Eligibility:
- Salaried person - Rs 90,000 Per Month / Age 21-60 Years
- For Self-Employed: - ITR more than Rs 12 Lakh per annum / Age 21 Years- 65 years.
Pros:
1. Decent Rewards on Travel:
- Enjoy substantial rewards on hotel and flight bookings, enhancing your travel experiences.
2. High-Earning Potential:
- Earn 12X rewards on travel and flight bookings, maximizing your reward points with each journey.
3. Discounts on Etihad Bookings
- Avail discounts on Etihad Airways bookings, making international travel more cost-effective.
4. Annual Fee Waiver:
- The annual renewal fee is waived off on spending Rs 3 Lakh in a year, offering financial flexibility.
Cons:
1. Redemption Limited to InterMiles Site:- Restriction to redeem rewards exclusively on the InterMiles website may limit flexibility.
2. Finance Charges and Usage Limitation:
- Relatively high finance charges (3.6% per month) and usage limitations may impact overall suitability.
Who can Buy:
The HDFC InterMiles Signature Credit Card caters to travel enthusiasts with decent rewards and exclusive benefits. However, potential users should carefully consider the redemption limitations and finance charges against the benefits offered.
***For the latest updates and Terms/Conditions, please visit the official link. ***
Yatra SBI Card
The Best Travel Companion: Yatra SBI Card
Fees and Welcomes Benefits:
Joining Fee: Rs 499 + GST | Renewal Fee: Rs 499 + GST (Annual fee waived if total annual spends for the last year >Rs. 100,000)
Welcome Gift Delight:
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,250 |
|---|
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,2502 vouchers (Rs. 500 each) for domestic travel. |
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,2502 vouchers (Rs. 1,000 each) for international travel. |
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,2501 voucher (Rs. 750) for hotel bookings. |
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,2501 voucher (Rs. 1,500) for domestic holidays. |
| Welcome Gift Delight: Welcome to the world of travel with Yatra.com vouchers worth Rs. 8,2501 voucher (Rs. 1,500) for domestic holidays. |
Travel Benefits: Unlock the Adventure:
Exclusive promocode usable up to 6 times a year!
1. Rs 1000 OFF on Domestic Flight bookings (Transaction > Rs 5000 at Yatra.com).
2. Rs 4000 OFF on International Flight bookings (Transaction > Rs 40000 at Yatra.com).
3. Enjoy a 20% discount on domestic hotels (Min value Rs 3000, Max discount Rs 2000).
Reward Points: Earn and Explore
1. 6 Reward points per Rs 100 on Departmental store, Grocery, Dining, Movie, and entertainment, and International spends separately. (Up to 5000 Reward Points per month)
2. 1 Reward point on every Rs 100 spend on other categories.
3. Exchange your Reward Points for Yatra.com discount vouchers (1 point = Rs. 0.25. Minimum threshold is 1000 Reward points).
4. Fuel Surcharge Waiver: Up To Rs 100 per month (Transaction between Rs 500- Rs 3000).
Financial Charges: Smart Planning
Manage finances wisely with 3.50% per month (42% PA).
Air Accidental Cover: Your Safety Net!
(1) Rs 50,000 coverage offered by New Assurance Company.
PROs:
1. A fantastic card with a low annual fee.
2. A card that brings benefits for all-around travel.
***For the latest updates and Terms/Conditions, kindly visit the official site.***
Welcome Aboard with MakeMyTrip ICICI Bank Signature Credit Card
Joining Fee: ₹2,500 (First-year) | Annual Fee: Nil (First-year), Nil thereafter
2. A card that brings benefits for all-around travel.
CONs:
1. Limited in Lounge Access and Ticket benefits on increased spending.Who Should Buy:
Ideal for individuals who love to travel and seek a card that offers not just rewards but a comprehensive set of benefits for all-around travel experiences.***For the latest updates and Terms/Conditions, kindly visit the official site.***
MakeMyTrip ICICI Bank Signature Credit Card
Welcome Aboard with MakeMyTrip ICICI Bank Signature Credit Card
Joining Fee: ₹2,500 (First-year) | Annual Fee: Nil (First-year), Nil thereafter
Supplementary Card Fee: Nil | Minimum Spends for Annual Fee Reversal: ₹250 (Every year)
Complimentary MMTBLACK Membership
Welcome Benefits:
(1) Rs 1,500 My Cash & Rs 2,500 MakeMyTrip Voucher.My Cash & Voucher Details:
What's My Cash?
(1) Spend on flights, hotels, and vouchers.
(2) Valid for a Year | 🚂 Not for Trains.
(3) Rs 1,500 My Cash as Joining Perk!
Jet Set with the Holiday Voucher:
(1) Rs 2,500 Value - Dream holiday ticket.(2) Valid for a Year.
Exclusive MMTBLACK Privileges:
(1) Three Tiers: Preferred, Elite, Exclusive.(2) Elite Benefits & 🚗 Exclusive Discounts.
Airport Lounge and Movie Perks:
(1) DreamFolks Lounge Access.(2) Movie Buff Delight: 25% off at BookMyShow & INOX - Twice a month!
International Travel Benefits Etc. :
(1) Extra Rs 1,500 My Cash for global
adventures!
(2) Earn exciting MMT MyCash on transactions.
(3) Air Accident Cover & Up to ₹5,000 Bonus MMT MyCash.
Finance Charges:
(1) Overdue Interest: 3.50% Monthly | 42% Annual.(2) Cash Advances: 3.50% Monthly | 42% Annual.
PROs:
1. Higher rewards: Up to 4 My Cash.
2. More lounge access: 2 complimentary visits.
3. Welcome benefits: Rs. 1,500 My Cash.
CONs :
1. Higher joining fee: Rs. 2,500.
2. Limited category rewards.
Who Should Buy?
1. Frequent Travelers: Ideal for those who love exploring and want exclusive travel benefits.2. Entertainment Buffs: Movie lovers who appreciate discounts on BookMyShow and INOX.
3. International Jetsetters: A great choice for those who frequently travel abroad, with extra My Cash for global adventures.
***For the latest updates and Terms/Conditions, kindly visit
the official site.***
Ignite Your Financial Journey with AXIS Bank EDGE REWARD Credit Card!
AXIS BANK ATLAS CREDIT CARD
Ignite Your Financial Journey with AXIS Bank EDGE REWARD Credit Card!
Welcome Offer:
Unlock 5000 EDGE MILES on completing 3 transactions within 30 days of activation!Joining & Renewal Fee:
(1) Experience luxury with a Joining Fee of Rs 5000 plus GST. Keep the perks flowing with an equal Renewal Fee.
(2) Exclusive Silver Membership Tier.
(3) Get a special Anniversary gift on completion of the year - 10,000 EDGE MILES.
Rewarding Every Purchase:
(1) Earn 2 EDGE MILES for every Rs 100 spent across all categories (excluding spend on Airlines, Hotel, and AXIS Bank Travel EDGE portal).
(2) Accelerate your journey with 5 EDGE MILES for every Rs 100 spent on Airlines, Hotel, and AXIS Bank Travel EDGE portal.
( 1 EDGE MILE = Rs 1 - Your EDGE MILES are as good as cash )
Transfer Program:
1 EDGE MILE = 2 Partner points (excluding Marriott Bonvoy).
2 EDGE MILES = 1 Marriott Bonvoy point.
3-Tier Milestone Privilege - Spend More, Earn More:
Silver Tier (Rs 3 Lakh):
(1) 2500 EDGE MILES.(2) Domestic Lounge Access: 4 times yearly.
(3) International Lounge Access: 8 times yearly.
Gold Tier (Rs 7.5 Lakh):
(1) 5000 EDGE MILES.
(2) Domestic Lounge Access: 6 times yearly.
(3) International Lounge Access: 12 times yearly.
(2) Domestic Lounge Access: 12 times yearly.
(3) International Lounge Access: 18 times yearly.
(2) Domestic Lounge Access: 6 times yearly.
(3) International Lounge Access: 12 times yearly.
Platinum Tier (Rs 15 Lakh):
(1) 10,000 EDGE MILES.(2) Domestic Lounge Access: 12 times yearly.
(3) International Lounge Access: 18 times yearly.
Bank Charges That Won't Weigh You Down:
Finance Charges:
Monthly: 3.60% (Annual: 52.86%).Eligibility That Speaks to You:
(1) Age: 18 to 70 years and Indian Citizen.
(2) Salaried Income: Rs 9 Lakh per year and above.
(3) Self-Employed: Rs 12 Lakh per year and above.
(2) Salaried Income: Rs 9 Lakh per year and above.
(3) Self-Employed: Rs 12 Lakh per year and above.
Pros to Ignite Your Financial Journey:
Earn More as You Spend:Watch your spending transform into a treasure trove of EDGE MILES and BONUS rewards! The more you spend, the richer your rewards, offering you maximum benefits.
Cons to Keep in Mind:
Forex Adventure:Venture into the world but be aware of a 3.5% Forex Markup. A small fee for the vast world of rewards awaiting you!
Who Should Buy:
(1) Individuals with a penchant for travel.(2) Frequent flyers seeking exclusive lounge access.
(3) Those aiming to maximize rewards through elevated spending.
***For the latest update and Terms/Conditions, kindly visit the official site.***
IRCTC SBI Card Premier
Unleash the Power of IRCTC SBI Card Premier - Elevating Your Travel Experience!
Welcome to Luxury:
(1) Begin your journey with a Welcome Benefit worth Rs. 1,500 upon
your inaugural annual fee payment.
(2) Experience the
prestige of the IRCTC SBI loyalty Card.
Maximize Your Value Back:
(1) Revel in up to 10% Value Back on various bookings:
(2) 10% on AC1, AC2, AC3, Executive Chair Car, and Chair as reward points for IRCTC train ticket bookings.
(3) 5% e-catering purchases via IRCTC.
Exclusive Savings on IRCTC:
(1) Transaction Charges Waiver:
(2) Save 1% transaction charges when booking
railway tickets on irctc.co.in using your IRCTC SBI Card
Premier.
(3) Save 1.8% transaction charges when booking
air tickets on air.irctc.co.in using your IRCTC SBI Card
Premier.
(2) Exclusive benefits across 900 luxury hotels worldwide.
(3) Earn up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com.
(2) Savor 3 reward points per Rs. 125 on dining and utility standing instructions.
(3) Collect 1 reward point per Rs. 125 on non-fuel retail purchases, including railway ticket bookings via the IRCTC mobile app or website (Android only).
(2) Complimentary Air Accident insurance of INR 50 Lakhs.
(3) Complimentary Fraud Liability cover of INR 1 Lakh.
(4) Overseas Accident Insurance: Get complimentary Overseas Accident cover of Rs. 50 lakhs.
(2) 2,500 reward points for an annual travel spend of Rs. 50,000.
(3) A generous 5,000 reward points for an annual travel spend of Rs. 1 lakh.
(2) Annual/Renewal Fee: Rs. 1,499+ GST (Reversed on spending Rs. 2 lakhs in a year).
(3) Finance Charges: 3.5% p.m. (42% p.a.).
2. Exclusive Rewards on IRCTC
Cons:
Visa Privileges:
(1) Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals.(2) Exclusive benefits across 900 luxury hotels worldwide.
(3) Earn up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com.
Multiply Your Rewards:
(1) Elevate your reward game with up to 3X reward points.(2) Savor 3 reward points per Rs. 125 on dining and utility standing instructions.
(3) Collect 1 reward point per Rs. 125 on non-fuel retail purchases, including railway ticket bookings via the IRCTC mobile app or website (Android only).
Complimentary Insurance Cover:
(1) Complimentary Rail Accident Insurance of INR 10 Lakhs.(2) Complimentary Air Accident insurance of INR 50 Lakhs.
(3) Complimentary Fraud Liability cover of INR 1 Lakh.
(4) Overseas Accident Insurance: Get complimentary Overseas Accident cover of Rs. 50 lakhs.
Milestone Rewards for Big Dreamers:
(1) Reach spending milestones and unlock treasures:(2) 2,500 reward points for an annual travel spend of Rs. 50,000.
(3) A generous 5,000 reward points for an annual travel spend of Rs. 1 lakh.
Additional Perks for Seamless Travels:
(1) Indulge in 8 complimentary railway lounge access sessions annually at participating lounges across India (Max. 2 per quarter).Fuel Surcharge Waiver & Visa Privileges:
(1) Enjoy a 1% fuel surcharge waiver (Max Rs. 250 per statement) on fuel transactions between Rs. 500 and Rs. 4,000 at any petrol pump in India.Fees & Charges Tailored to Delight:
(1) Joining Fee: Rs. 1,499 + GST.(2) Annual/Renewal Fee: Rs. 1,499+ GST (Reversed on spending Rs. 2 lakhs in a year).
(3) Finance Charges: 3.5% p.m. (42% p.a.).
Pros:
1. Lucrative Welcome Benefit2. Exclusive Rewards on IRCTC
Cons:
1. Slightly High Annual Fee
***For the latest update and Terms/Conditions, kindly visit the official site.***
In conclusion, the optimal travel credit card choice hinges on prioritizing key features such as a rewarding points/miles system, a substantial sign-up bonus, flexible redemption options, comprehensive travel insurance, minimal foreign transaction fees , airport lounge access, global acceptance, a favorable annual fee-to-benefit ratio , reliable customer support, and potentially an introductory 0% APR period.
By carefully weighing these factors, travelers can secure
a card that not only enhances their journey
but also aligns with their financial preferences and needs.
END OF ARTICLE
**Disclaimer: ** The provided information is general and not financial advice. Individual circumstances vary; review card terms before choosing. Consult a professional for personalized advice. We don't endorse specific products; verify details independently on the official credit card issuer's website.
Credits: "We express gratitude for utilizing official URL link of banking companies for viewers benefits. Thank you!"
Thank you for reading my blogs.
END OF ARTICLE
**Disclaimer: ** The provided information is general and not financial advice. Individual circumstances vary; review card terms before choosing. Consult a professional for personalized advice. We don't endorse specific products; verify details independently on the official credit card issuer's website.
Credits: "We express gratitude for utilizing official URL link of banking companies for viewers benefits. Thank you!"
Thank you for reading my blogs.
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