Discover the best travel credit cards in India to make every trip budget-friendly. Earn travel miles, enjoy complimentary lounge access, free tickets, and more. Plus, earn ₹1500 GoPaisa rewards when you apply online. Travel smart—start here!
Tired of spending extra on travel when you could be saving big? The best travel credit cards in India can help make every journey more affordable, and even reward you along the way. Whether you’re booking an IRCTC train, or flying domestically or internationally, the right card offers lounge access, free tickets, travel miles, and more.
In this guide, we’ve handpicked the 5 best credit cards for international and domestic travel. Plus, how to earn an extra ₹1500 GoPaisa Rewards when you apply online. Compare benefits and find the perfect travel companion for your wallet!
Ready to discover the best travel credit cards for your adventures in 2025? Let’s go!
Why Travel Credit Cards Are a Must-Have in 2025
Whether you’re traveling within India or abroad, rising travel costs can put a serious strain on your budget. That’s where the best travel credit cards come in, offering incredible value for both short getaways and international adventures. The top travel credit cards in India are packed with perks like:
- Worldwide acceptance
- Free airport lounge access
- Discount offers on flights, train tickets and hotel bookings
- Air miles, accelerated reward points, cashback, and exclusive travel offers
- Hotel and dining privileges
- Travel insurance and concierge services
- Reduced forex markup
And the best part? You can earn an extra up to ₹1500 GoPaisa Rewards when applying online through their website or mobile app.
Apply Now and Grab Your ₹1500 Bonus
You don’t have to be a frequent flyer or luxury traveler to enjoy the benefits of travel credit cards. Even first-time users can find the best credit card for domestic or international travel, tailored to their needs. If you’re looking for the best travel rewards credit card, 2025 is the year to apply for one!
How to Earn ₹1500 Bonus Rewards with GoPaisa
You might be aware of it or not, but applying for credit cards in India via GoPaisa is always rewarding. For the best travel credit cards in India, GoPaisa makes it easy for you to earn ₹1500 cashback just by applying for your preferred travel credit card through their website or mobile app.
Whether you’re aware of it or not, applying for credit cards in India through GoPaisa is always rewarding. When it comes to the best travel credit cards in India, GoPaisa makes it easy to earn ₹1500 cashback rewards by just applying for your preferred card through their website or mobile app.
Here’s how to claim ₹1500 GoPaisa Bonus Rewards in 4 simple steps:
- Sign up or log in to your GoPaisa account.
- Navigate to the “Credit Card Offers” page and choose your preferred travel credit card.
- Click “Activate Deal” and apply directly through GoPaisa.
- Once your card is approved, ₹1500 GP Rewards will be credited to your GoPaisa wallet.
Note: GoPaisa rewards may vary based on the latest offers. Bonus amounts can differ across travel credit cards (as shown here) and are subject to change without prior notice.
That’s it! No hidden steps, no complicated terms. Just extra rewards for making a smart financial move.
Whether you’re applying for the best credit card for international travel or a card for domestic trips, don’t miss out on this ₹1500 cashback opportunity.
How We Chose the Best Travel Credit Cards For You
With dozens of options out there, picking the best travel credit cards in India requires more than just comparing reward points. We focused on real-world benefits that matter to both frequent flyers and first-time users.
Here’s what we considered when selecting these best credit cards for domestic and international travel:
- Suitability for all users – Our list of best travel credit cards is tailored to meet the needs of both frequent and occasional travelers, whether you’re traveling within India or abroad.
- Value for money – These travel credit cards offer joining and annual fees that are well-justified by a host of benefits like reward points, complimentary lounge access, Priority Pass membership, travel insurance, and more. Most cards also offer easy annual fee waivers upon meeting minimum spend thresholds.
- Generous rewards programs – From IRCTC cashback and free flight tickets to accelerated reward points and hotel discounts, these top travel credit cards in India are designed to make every journey more budget-friendly.
- Exclusive travel perks – From Priority Pass membership and complimentary railway and airport lounge access to travel insurance, concierge services, hotel and dining deals, global acceptance, and low forex markup fees, all these credit cards offer premium travel benefits that make every trip smoother and more rewarding.
- GoPaisa cashback availability – Every card featured here comes with an additional up to ₹1500 reward when applied via GoPaisa.
Each of these cards is designed to elevate your travel experience, be it rail journeys or runway escapes.
Let’s explore the 5 best travel credit card picks for 2025!
1. IRCTC HDFC Bank Credit Card – Your Train Companion
Best for
- Budget-conscious train travelers who want high rewards and low annual fees without compromising on benefits.
Fees & Waivers
- Joining Fees – ₹500 + Applicable Taxes
- Annual Fees – ₹500 + Applicable Taxes
- Annual Fee Waiver – On spending ₹1.5 Lakh in a calendar year
GoPaisa Reward
- ₹1200 (Upon card dispatch and activation)
Travel Benefits
- Earn 5 reward points for every ₹100 spent on the Rail Connect app or the IRCTC website/app.
- Earn 1 reward point for every ₹100 spent on all other eligible purchases.
- Additional 5% cashback (as reward points) when booking train tickets on IRCTC via the SmartBuy app.
- Enjoy 8 complimentary visits per year to select IRCTC Executive Lounges (maximum 2 visits per quarter).
- 1% transaction charges waived on payments made through the IRCTC website or app (up to ₹1,000 per month).
Other Benefits
- Receive a ₹500 gift voucher as a welcome reward when you complete your first transaction within 37 days of card issuance.
- Earn a ₹500 gift voucher as a milestone benefit on spending ₹30,000 or more in a calendar quarter.
- Get up to 500 reward points every month on eligible UPI transactions.
- Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver capped at ₹250 per month).
Reward Points Redemption Value
- 1 Reward Point = ₹1 when booking train tickets through HDFC Bank SmartBuy..
- Use your reward points to cover up to 70% of the train ticket fare when booking via HDFC Bank SmartBuy.
- A minimum of 100 reward points is required for redemption against train ticket bookings.
The IRCTC HDFC Bank Credit Card is a co-branded travel credit card launched by HDFC Bank, tailored specifically for frequent train travelers who book tickets via the IRCTC app or website. With a nominal joining fee of just ₹500, the card delivers excellent value for regular rail commuters.
Cardholders can earn 10% value-back as reward points on train bookings made through IRCTC and 2% value-back on all other spends. Additionally, an extra 5% cashback is available when train tickets are booked through the HDFC SmartBuy portal, further boosting its value for travelers.
One of the standout features of this card is the generous lounge access, offering significantly more complimentary visits per year to select IRCTC Executive Lounges, without any spend-based conditions. Beyond travel benefits, the card also offers a welcome gift voucher, spend-based rewards, reward points on UPI transactions, and a 1% fuel surcharge waiver.
Altogether, the IRCTC HDFC Bank Credit Card combines affordability with robust travel and lifestyle perks, making it one of the best travel credit cards in India for those who frequently travel by train.
Apply Now and Earn ₹1200 GoPaisa Rewards
Also read: Best RuPay Credit Cards to Apply Online in 2025
2. IRCTC SBI Platinum Card – Affordable & Efficient
Best for
First-time credit card users and budget-conscious travelers who prefer train journeys.
Fees & Waivers
- Joining Fees – ₹500 + Applicable Taxes
- Annual Fees – ₹500 + Applicable Taxes
- Annual Fee Waiver – On spending ₹2 Lakh in a calendar year
GoPaisa Reward
- ₹1400 (Upon card dispatch and activation)
Travel Benefits
- Earn up to 10% value back as reward points when booking AC1, AC2, AC3, Executive Chair Car, or Chair Car tickets via IRCTC.
- Save 1% on transaction charges for railway ticket bookings made through the IRCTC website.
- Enjoy 4 complimentary railway lounge visits per year, limited to 1 visit per quarter.
- Earn 1 reward point for every ₹125 spent on non-fuel retail purchases, including train ticket bookings made on IRCTC.
Other Benefits
- Earn 350 bonus reward points as a welcome reward after completing a single transaction of ₹500 within 60 days of card issuance.
- Get 500 reward points upon payment of the card renewal fee.
- Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹100 per statement cycle.
The IRCTC SBI Platinum Credit Card is an affordable and practical travel card, designed specifically for frequent train travelers. With a modest annual fee of ₹500, it offers an impressive 10% value-back as reward points on train ticket bookings made via IRCTC.
You also earn 1 reward point for every ₹125 spent on everyday retail purchases. Additional benefits include complimentary access to railway lounges, welcome rewards that help offset the joining fee, and a 1% fuel surcharge waiver.
Overall, it’s a great value-for-money travel credit card for those who travel regularly by train and want everyday spending rewards.
Apply Now and Earn ₹1400 GoPaisa Rewards
3. Axis Bank Vistara Infinite Credit Card – Fly Business, Pay Less
Best for
- Frequent travelers who want exclusive travel and lifestyle privileges.
Fees & Waivers
- Joining Fees – ₹10,000 + Applicable Taxes
- Annual Fees – ₹10,000 + Applicable Taxes
- Annual Fee Waiver – Not available
GoPaisa Reward
- ₹1500 (Upon card dispatch and activation)
Travel and Lifestyle Benefits
- Complimentary Business Class ticket voucher upon payment of the joining fee.
- Free Club Vistara Gold Membership, offering priority check-in, priority boarding, additional baggage allowance, and more.
- Earn 6 Club Vistara (Maharaja) Points for every ₹200 spent using the Axis Bank Vistara Infinite Credit Card.
- Unlock up to 4 complimentary Business Class flight vouchers by achieving spend milestones of ₹2.5 lakh, ₹5 lakh, ₹7.5 lakh, and ₹12 lakh.
- Enjoy 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter).
- 6 complimentary rounds of golf at select premium courses.
- Exclusive dining discounts via EazyDiner partner restaurants.
Other Benefits
- Purchase protection cover of up to ₹1 lakh on eligible transactions.
- Travel insurance coverage of up to USD 300 for delayed or lost check-in baggage.
- Get up to 15% off on stays at participating Trident Hotels.
- Easy EMI conversion available on transactions above ₹1,500.
The Axis Bank Vistara Infinite Credit Card is a premium co-branded travel card designed for frequent business-class travelers. Its standout feature is the exclusive partnership with Vistara Airlines, offering free Club Vistara Gold membership benefits such as priority check-in, priority boarding, extra baggage allowance, and more.
Cardholders earn up to 6% value-back on travel spends and enjoy complimentary business class tickets upon reaching spend milestones of ₹2.5 lakh, ₹5 lakh, ₹7.5 lakh, and ₹12 lakh annually. Beyond airline perks, the card offers complimentary access to domestic and international airport lounges, 6 rounds of golf at premium courses, travel insurance, purchase protection, and exclusive discounts at Trident Hotels.
Overall, this is a well-rounded premium travel credit card tailored for frequent flyers who prefer the comfort of business class and value-rich travel benefits.
Apply Now and Earn ₹1500 GoPaisa Rewards
Must read: Best Co-Branded Credit Cards in India
4. Axis ATLAS Credit Card – The EDGE Miles King
Best for
- International travelers and digital nomads who want maximum travel perks and global flexibility.
Fees & Waivers
- Joining Fees – ₹5,000 + Applicable Taxes
- Annual Fees – ₹5,000 + Applicable Taxes
- Annual Fee Waiver – Not applicable
GoPaisa Reward
- ₹1500 (Upon card dispatch and activation)
Travel Benefits
- Earn 2,500 EDGE Miles as a welcome benefit after completing your first transaction within 37 days of card issuance.
- Earn 5 EDGE Miles per ₹100 spent on the Travel EDGE portal for transactions up to ₹2 lakh per month.
- Earn 2 EDGE Miles per ₹100 spent on Travel EDGE after ₹2 lakh monthly spend.
- Earn 2 EDGE Miles per ₹100 spent on all other purchases (excluding airlines, hotels, and Travel EDGE spends).
- Access domestic and international airport lounges with exclusive lounge benefits.
- Transfer EDGE Miles to airline and hotel partners at a rate of 1 EDGE Mile = 2 Partner Miles through the dedicated miles transfer program.
- Enjoy up to ₹1,000 off at 10,000+ restaurants via EazyDiner.
- Earn up to 5,000 EDGE Miles as an anniversary gift, based on your membership tier:
- 0 for Silver
- 2,500 for Gold
- 5,000 for Platinum
- Unlock up to 10,000 EDGE Miles annually with spend-based milestones:
- 2,500 EDGE Miles on ₹3 lakh spend
- Additional 2,500 EDGE Miles on ₹7.5 lakh spend
- Additional 5,000 EDGE Miles on ₹15 lakh spend
Reward Points Redemption Value
- 1 EDGE Mile is equal to Rs.1.
- 1 EDGE Mile is equal to 2 Partner Miles.
Built for the modern globetrotter, the Axis ATLAS Credit Card is the best travel credit card for those who live to fly. Earn 5 EDGE Miles (10% value-back) on travel spends, redeemable at a generous 1:2 ratio across 15+ airlines and hotel partners. On all other spends, earn 2 EDGE Miles (4% value-back) per ₹100 spent.
The complimentary lounge access at both domestic and international airports, milestone-based flight vouchers, and tier-based anniversary rewards allow high spenders to earn maximum value from the card. The only drawback is that this card does come with a high forex markup fee of 3.5% and does not offer concierge services.
Apply Now and Earn ₹1500 GoPaisa Rewards
5. Federal Bank Scapia Credit Card – Zero-Fee, Full Value
Best for
- Budget-conscious users who want a hassle-free, zero-fee travel credit card.
Fees & Waivers
- Joining Fees – Nil
- Annual Fees – Nil
- Annual Fee Waiver – Nil
GoPaisa Reward
- ₹650 (Upon card dispatch and activation)
Travel Benefits
- Earn 20% Scapia Coins on all flight and hotel bookings made through the Scapia App.
- Unlimited Domestic Lounge Access + complimentary dining, shopping, or spa experiences when you spend:
- ₹10,000/month with a VISA card
- ₹15,000/month with a RuPay card
- Zero Forex Markup on all international transactions.
Other Benefits:
- Lifetime Free Credit Card – no joining or annual fees, ever.
- Flat 10% Rewards on every eligible online and offline spend.
- 1% Fuel Surcharge Waiver – up to ₹500 per month.
Reward Points Redemption Value
- 5 Scapia Coins = ₹1
If you’re looking for a no-fee, travel-friendly credit card that’s fast, flexible, and designed for the digital generation, the Scapia Federal Bank Credit Card is the perfect choice. With zero joining fees and an exclusive ₹650 GoPaisa reward, this travel credit card is ideal for students, freelancers, and first-time credit card users.
Get instant approval through the Scapia app and earn 20% Scapia Coins on flight and hotel bookings—all within a single, easy-to-use platform. Enjoy lifetime free usage, built-in travel deals, and exclusive travel privileges that make traveling smarter and more affordable.
Apply today via GoPaisa and start making your travel easier on your pockets!
Apply Now and Earn ₹1500 GoPaisa Rewards
Quick Comparison: Which Travel Card Should You Pick?
We’ve quickly summarized the best travel credit cards in India to help you make an informed decision based on your preferences.
| Credit Card Name | Best For | Key Travel Benefit | Lounge Access/Year | GoPaisa Rewards |
| IRCTC HDFC Credit Card | Train travel savings | 5 RPs & 5% Cashback on Train Ticket Bookings | 8 IRCTC Lounge Access | ₹1200 |
| IRCTC SBI Credit Card | Budget train travel | 10% value-back as RPs on Train Tickets | 4 Railway Lounge Visits | ₹1400 |
| Axis Vistara Infinite Credit Card | Luxury air travel | 6 Club Vistara Points on Travel Spends | 8 Domestic Lounge Visits | ₹1500 |
| Axis Bank Atlas Credit Card | Frequent Flyers | 5 EDGE Miles on Travel Spends | Domestic & Internal Lounge Access | ₹1500 |
| Federal Scapia Credit Card | Budget-friendly travelers/first-time users | 20% Scapia COins on Flight & Hotel Bookings | Unlimited Domestic Lounges | ₹650 |
| AMEX Platinum Travel Credit Card (Bonus) | Premium travel experiences | Bonus Membership RPs on Every Spend | Yes | No (Referral benefits available) |
