The Ultimate Guide to Pick the Best Travel Credit Card

December 19, 2018 by gaurav-khanna

A travel credit card is a must-have if you spend a considerable amount on traveling, regardless of the reasons. Using these credit cards to purchase tickets from common carriers can bring you rewards and exclusive offers.

A travel card can also be a co-branded one provided by a financial institution which has partnered with an airline. In this case, you only earn rewards when purchasing air tickets from that particular carrier.

How do travel credit cards work?

As already mentioned, you can accumulate attractive reward points or miles when transacting with travel credit cards.

For example, you can earn 10 reward points for every Rs. 100 you spend on air tickets. You can then redeem these points or miles to purchase future air tickets with discounts.

The reward points or miles that you get can differ with cards and the type of transaction. Some cards provide higher points when you book tickets from the airline’s official website as compared to their offices or customer care.

Few credit cards provide fly-high miles when you purchase air tickets from the card provider’s official website. On the other hand, other cards provide attractive rewards when you book air tickets from partner travel websites.

Similar to reward points, there are credit cards which provide discounts on the base fare, subject to certain terms and conditions.

How to pick the right travel credit card?

Make sure the travel card you opt for comes with the following features:

Free airport lounge access

Airport lounges are the places to get the best hospitality and amenities. Some of the features that airport lounges credit card offers include:

  • International F&B plus concierge services.
  • Access to workstations, printers, and photocopiers.
  • Conference rooms.
  • Free high-speed internet.

Access to airport lounges is only restricted to those traveling business class. However, with travel credit cards, you too can visit a lounge without spending anything extra. Some travel credit cards give you complimentary lounge access to domestic and international airports.

Pre-approved offers are also available with various financial products and services like home loans, business loans, personal loans, etc. This scheme reduces the hassle as well as the time of getting financing or a card. Provide only your name and phone number to check your pre-approved offer in minutes.

Travel insurance

The best travel credit cards will come with various forms of insurances mentioned below:

  • Travel accident – Provides insurance cover if you involve in an accident while traveling on the carrier.
  • Lost or damaged baggage – Covers all expenses required to repair or replace items in your baggage lost or damaged by a carrier.
  • Baggage delay – Provides cover for particular personal and business items in your baggage in case it is delayed.

The insurances mentioned above only come into effect when you purchase air tickets with the card. In some cases, the airline may have to be a partner of the card provider for the insurance claim to be valid.

Extra baggage carry

Some travel credit cards give you the option to carry additional baggage over the limit certified by a carrier. You have to pay for the air tickets with your card to enjoy this feature.

Priority check-in

Priority check-in helps you jump the queue and check-in without any hassle. Here too, you have to pay for the air tickets with the travel credit card for availing this facility.

Concierge services

Concierge services provide you with an escort who can assist you with security clearance, customs, immigration, baggage claim, visa and documentation, vehicle rentals, and almost every other process in an airport.

Other features

Other than the above, the best travel credit cards can provide you with:

  1. Complete or limited fuel surcharge waiver.
  2. Discounts and cashback on dining.
  3. Free movie tickets on a per month basis.

Keep this guide in mind, and you will get to pick a premier travel credit card.