how to choose the best travel credit cards in India for 2024

Travel credit cards are designed to offer rewards, benefits and discounts for frequent travellers. They can help you save money on flights, hotels, dining, shopping and other travel expenses. Some of the common features of travel credit cards are:

• Complimentary airport lounge access: This allows you to enjoy free or discounted access to domestic and international lounges, where you can relax, work, eat and drink before your flight.
• Air miles: These are points that you can earn on your travel spends and redeem for flight tickets, upgrades, hotel bookings and more. Some cards also offer bonus miles on joining or reaching certain milestones.
• Free flight tickets: Some cards offer free or discounted flight tickets as a welcome or annual benefit. These can be from a specific airline or a travel partner.
• Co-branded benefits: These are exclusive offers and discounts that you can get from a co-branded card, which is linked to a particular airline, hotel chain or travel portal. For example, you can get priority check-in, baggage allowance, seat selection, etc. from an airline co-branded card.

To choose the best travel credit card for your needs and preferences, you should consider the following factors:

• Joining and annual fees: These are the charges that you have to pay to get and maintain the card. You should compare the fees with the benefits and rewards that the card offers and see if it is worth it. Some cards may waive the annual fee if you spend a certain amount in a year.
• Reward rate and redemption: This is the percentage of your spends that you get back as rewards or miles. You should look for a card that offers a high reward rate on your preferred travel categories, such as flights, hotels, dining, etc. You should also check the redemption options and value of the rewards or miles. Some cards may have limited or expensive redemption options, which can reduce the value of your rewards or miles.
• Travel benefits and features: This is the range and quality of the benefits and features that the card offers for your travel needs. You should look for a card that offers benefits and features that suit your travel frequency, destination, budget and style. For example, if you travel abroad often, you may want a card that offers international lounge access, low foreign currency markup fee, travel insurance, etc.
• Eligibility and documentation: This is the minimum income and credit score that you need to have to apply for the card. You should check the eligibility criteria and documentation requirements of the card and see if you meet them. Some cards may have higher or lower eligibility and documentation requirements than others.
  

Based on these factors, you can compare and apply for the best travel credit cards in India for 2024 from various banks and financial institutions. You can also use online platforms like Forbes, Paisabazaar or Card Insider to compare and review different travel credit cards and their features, benefits, fees, rewards and more.