Top 10 Best Travel Credit Cards In India July 2025

Looking for the best travel credit card in India? Whether you’re a frequent flyer or planning your dream vacation, the right credit card for travel can turn every journey into a rewarding experience. From lounge access and complimentary stays to cashback on flights and hotel bookings, travel cards offer exclusive benefits that regular cards simply can’t match. But with so many options, how do you pick the best miles card that truly fits your travel lifestyle?

In this blog, we explore the best credit cards mileage lovers swear by—cards that help you earn faster, redeem smarter, and travel better. Ready to turn your expenses into air miles and adventures? Let’s dive in.

Top 10 Best Travel Credit Cards In India July 2025

Best Travel Credit Card	Best For	Lounge Access (Domestic + International)
Axis Atlas Credit Card	Frequent flyers	8 domestic + 6 international per quarter
HSBC TravelOne Credit Card	International travelers	4 international + 8 domestic per year
HDFC Diners Club Black Metal Edition	Premium frequent travelers	6 international + unlimited domestic
Axis Bank Horizon Credit Card	City travelers	8 domestic lounges per quarter
Axis Magnus for Burgundy	HNIs & luxury travelers	Unlimited domestic + international via Priority Pass
Kotak IndiGo 6E Rewards XL	Budget domestic flyers	8 domestic lounges per year
IndusInd Avios Visa Infinite	Europe-bound travelers	2 international + 8 domestic per year
Marriott Bonvoy HDFC Credit Card	Hotel-centric travelers	6 domestic + 2 international per year
Emirates Skywards ICICI Emeralde	Dubai & Emirates flyers	2 international + 4 domestic per quarter
MakeMyTrip ICICI Credit Card	Travel deal seekers	1 international + 4 domestic per quarter

1. Axis Atlas Credit Card – Best Travel Credit Card In India

Feature	Details
Ideal For	Frequent flyers looking for flexible air mile redemptions, tiered travel benefits, and airport luxury access
Type	Premium air miles credit card that earns EDGE Miles and supports international mile transfers
Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 (waived on ₹7.5 lakh annual spend)
Welcome Bonus	5,000 EDGE Miles on joining

Axis Atlas Credit Card Rewards & Air Miles

• Earn EDGE Miles on all spends (1 EDGE Mile per ₹100)
• Convert EDGE Miles to 15+ global airline and hotel partners
• Among the best credit cards for airline miles if you value flexibility
• Use miles for flights, upgrades, and redemptions — a true free flight tickets credit card

Axis Atlas Credit Card Travel Benefits

• 12 complimentary international lounge visits/year
• 8 domestic lounge accesses across Indian airports
• Premium airport privileges make it a standout among travel benefits credit cards

Axis Atlas Credit Card Tier-Upgrading System

• Silver, Gold, and Platinum tiers unlocked through annual spend milestones
• Higher tiers give additional EDGE Miles and bonus perks
• Offers elite benefits like a best airline credit card India contender

Axis Atlas Credit Card Forex Markup

• 1.5% — lower than most premium cards, making it globally efficient

Why It’s a Top Pick?

The Axis Atlas Credit Card stands strong among the best credit cards with miles thanks to its conversion flexibility, high lounge limits, and tier-based reward boosts. If you fly frequently and want a best credit card for airline miles that rewards both domestic and international travel, this card deserves a spot in your wallet.

Whether you’re collecting points for your next business class seat or planning to redeem a free flight, Atlas is one of the most efficient airline credit cards India has to offer.

2. HSBC TravelOne Credit Card – Best Travel Credit Card India

Feature	Details
Ideal For	Frequent travelers looking for international lounge access, flexible mile conversions, and global travel perks
Type	Premium travel credit card with air mile conversions across 20+ airline and hotel partners
Joining Fee	₹3,999 + GST
Annual Fee	₹3,999 (waived on ₹6 lakh annual spend)
Welcome Bonus	₹3,000 worth of reward points + milestone benefits

HSBC TravelOne Credit Card Rewards & Air Miles

• Earn accelerated points on international, dining, and travel spends
• Transfer reward points to 20+ global airline & hotel loyalty programs
• Among the best credit card miles options for flexible redemptions
• Ideal for users seeking the best miles card for flight upgrades and stays
• Works well for frequent flyers looking for credit cards for mileage

HSBC TravelOne Credit Card Travel Benefits

• 8 complimentary domestic lounge visits/year
• 4 international lounge visits/year via Dreamfolks
• 1% forex markup, lower than most travel credit cards in India
• A smart pick for users comparing the best travel card India

HSBC TravelOne Global Utility & Redemption

• Airline partners include Singapore Airlines, Qatar Airways, British Airways, and more
• Redeem for free flights, hotel stays, and upgrades — making it a solid credit card for miles
• Flexible reward structure makes it a top choice among the best credit cards for miles

HSBC TravelOne Forex Markup

• 1% only — ideal for international transactions and globally efficient usage

Why It’s a Top Pick?

The HSBC TravelOne Credit Card is one of the best credit cards mileage seekers can own today. With seamless point transfers, global travel partners, and generous lounge access, it competes with the best credit cards for miles in India.

If you’re someone who loves to travel smart and wants real value from every swipe, this card easily earns a place among the best credit cards miles options — combining practicality and international luxury in one.

3. HDFC Diners Club Black Metal Edition – Best Credit Cards Mileage

Feature	Details
Ideal For	Luxury travelers seeking premium lifestyle privileges, unmatched travel benefits, and exclusive rewards
Type	Ultra-premium travel credit card with global lounge access, luxury perks, and concierge services
Joining Fee	₹10,000 + GST
Annual Fee	₹10,000 (waived on ₹8 lakh annual spend)
Welcome Bonus	Complimentary Club Marriott membership + 12-month Times Prime & Forbes subscriptions

HDFC Diners Club Black Rewards & Travel Perks

• 5 reward points per ₹150 spent on retail (1 RP = ₹1 in value)
• Redeem for air tickets, hotel bookings, and vouchers via SmartBuy
• Complimentary memberships make it a luxury-packed credit card for travel
• Ideal for those seeking the best travel credit card India has for HNIs

HDFC Diners Club Lounge Access

• Unlimited international lounge access with LoungeKey
• Domestic lounge access at 1,000+ airports via Diners network
• One of the strongest contenders for best travel credit card lounge programs

HDFC Diners Black Extra Travel Features

• 24/7 concierge service for bookings, gifting, and travel arrangements
• Complimentary golf games across India and abroad
• Low forex markup of 2%, supported by 24×7 global assistance

HDFC Diners Forex Markup

• 2% on international spends — reasonable for its premium tier
• Suited for global travelers comparing the best credit card for travel

Why It’s a Top Pick?

The HDFC Diners Club Black Metal Edition is not just a travel credit card, it’s a premium lifestyle experience. With unlimited lounge access, concierge, reward flexibility, and exclusive partnerships, it stands out as a best travel card in India for frequent luxury travelers.

If you’re seeking the best travel credit card with all-in-one benefits — from golf to airport luxury — and want a credit card for travel that makes every journey smoother and smarter, this is a top-tier choice.

4. Axis Bank Horizon Credit Card – Air Miles Credit Card

Feature	Details
Ideal For	Regular domestic and international flyers looking for practical travel perks and reward flexibility
Type	Mid-premium travel rewards credit card with milestone benefits and airline lounge access
Joining Fee	₹3,000 + GST
Annual Fee	₹1,500 (waived on ₹2 lakh annual spend)
Welcome Bonus	2,000 EDGE REWARD Points + up to ₹1,000 flight voucher

Axis Bank Horizon Credit Card Rewards & Air Miles

• Earn EDGE REWARD Points on all spends (higher on travel & dining)
• Redeem points on flights, hotels, or convert to partner programs
• A flyer miles credit card for users looking for travel-linked value
• Works well as a credit card with travel rewards for both casual and regular travelers

Axis Bank Horizon Credit Card Travel Benefits

• 8 complimentary domestic airport lounge visits per year
• Additional railway lounge access at major Indian stations
• Great entry-level travel benefits credit card for growing travelers
• Eligible for travel offers and cashback via Axis Grab Deals & SmartBuy

Axis Horizon Extra Perks

• Fuel surcharge waiver (₹400/month), milestone rewards every ₹1L spent
• Easy EMI options, balance transfer facility, and Dineout discounts
• Ideal for those asking which credit card is best for travel on a budget

Axis Horizon Forex Markup

• 3.5% forex markup, best used for domestic or occasional international trips
• While not the lowest, it’s fair for a mid-tier travel rewards credit card

Why It’s a Top Pick?

The Axis Horizon Credit Card is a solid option for beginners and frequent domestic travelers. It offers dependable travel perks, lounge access, milestone rewards, and decent redemption options — making it a smart credit card with travel rewards for everyday use.

If you’re seeking the best air miles credit card for entry-level travel spending or want to explore airline credit cards India without a heavy fee, Horizon is a reliable starting point. It answers the question many ask: which credit card is best for travel when you’re climbing the travel ladder.

5. Axis Magnus for Burgundy Credit Card – Travel Benefits Credit Cards

Feature	Details
Ideal For	Ultra-premium travelers with Axis Burgundy status looking for the most exclusive air mile benefits
Type	Elite travel reward credit card designed for high-net-worth individuals and frequent international flyers
Joining Fee	NIL (Exclusive to Axis Burgundy customers)
Annual Fee	NIL (Lifetime free for Burgundy account holders)
Welcome Bonus	Complimentary Club Marriott membership + access to airport concierge services

Axis Magnus Burgundy Credit Card Rewards & Air Miles

• Earn up to 35 EDGE Miles per ₹200 on eligible spends
• Transfer miles to over 15+ global airline & hotel loyalty programs
• Considered one of the best credit card for miles in India
• Flexible reward structure makes it ideal for credit cards with air miles
• Best suited for users seeking the best credit card airline miles program

Axis Magnus Burgundy Travel Benefits

• Unlimited international and domestic airport lounge access
• Airport concierge services at 6+ major Indian airports
• Top-tier status benefits that rival the best airline miles credit card globally
• Global travel insurance, trip cancellation cover, and more

Axis Magnus Burgundy Exclusive Perks

• Complimentary golf rounds, 24×7 concierge, luxury hotel offers
• Monthly milestone rewards — up to 25,000 EDGE Miles/month
• One of the few airline credit card India products with real luxury positioning

Axis Magnus Forex Markup

• 2% forex markup, competitive for ultra-premium users with frequent foreign travel

Why It’s a Top Pick?

The Axis Magnus for Burgundy Credit Card is built for serious travelers and Axis Bank’s top-tier clients. With unbeatable lounge privileges, concierge services, and premium rewards, it’s among the best miles credit card options in India.

If you’re looking for true luxury in travel reward credit cards and want the flexibility of international redemptions, Magnus (Burgundy variant) is one of the most powerful best airline miles credit card solutions available today — exclusively offered to Burgundy customers.

6. Kotak IndiGo 6E Rewards XL Credit Card – Best Travel Card In India

Feature	Details
Ideal For	Frequent IndiGo flyers who want cashback on bookings, travel discounts, and flight benefits
Type	Airline co-branded air miles credit card focused on domestic flight rewards and 6E benefits
Joining Fee	₹1,500 + GST
Annual Fee	₹1,500 + GST (waived on ₹2 lakh annual spend)
Welcome Bonus	1 complimentary IndiGo flight ticket worth ₹1,500 and 6E Prime benefits

Kotak 6E XL Credit Card Rewards & Flight Benefits

• Earn 6% 6E Rewards on IndiGo bookings, 3% on dining, groceries & entertainment
• Works like a free flight tickets credit card when used regularly on IndiGo
• Rewards credited as 6E Rewards — usable for flight bookings and add-ons
• One of the best credit cards for airline miles in the co-branded segment

Kotak 6E XL Travel Benefits

• 8 complimentary domestic lounge visits per year
• Complimentary 6E Prime: seat selection, priority check-in, and fast-forward service
• Makes air travel smoother — especially with best airline credit card India features

Kotak IndiGo 6E XL Partner Offers

• Up to 15% discount on select hotel bookings
• Fuel surcharge waiver, EMI options, and travel-friendly reward structure
• Great pick for travelers searching for credit cards for mileage under ₹2,000 fee

Kotak 6E XL Forex Markup

• 3.5% forex markup – card is ideal for domestic travel; not recommended for international use

Why It’s a Top Pick?

The Kotak IndiGo 6E Rewards XL Credit Card is a cost-effective option for frequent domestic flyers. With flight vouchers, 6E benefits, and dining rewards, it brings excellent value for IndiGo loyalists.

If you’re looking for the best credit cards with miles tailored toward a specific airline, this one delivers. It also qualifies as one of the best credit card for airline miles options in India for those flying mostly within the country.

7. IndusInd Bank Avios Visa Infinite Credit Card – Best Airline Rewards Credit Cards

Feature	Details
Ideal For	Frequent international travelers who want to earn and redeem Avios points across partner airlines
Type	Premium travel reward credit card with air mile benefits via Avios loyalty program
Joining Fee	₹40,000 + GST (lifetime free, no annual renewal)
Annual Fee	Nil (one-time fee only)
Welcome Bonus	20,000 Avios on activation + 10,000 Avios on milestone spends

IndusInd Avios Card Rewards & Air Miles

• Earn up to 2 Avios per ₹100 spent, and 2.5 Avios on international transactions
• Redeem Avios with British Airways, Qatar Airways, Iberia, and other Oneworld airlines
• Ideal for those seeking the best credit card for miles with direct airline linkage
• One of the few Indian credit cards with air miles built for frequent global flyers
• If you’re after the best credit card airline miles program, Avios delivers long-term value

IndusInd Avios Card Travel Benefits

• 4 complimentary international lounge visits/year via LoungeKey
• Complimentary domestic lounge access via Visa Infinite network
• Comprehensive travel insurance coverage included
• Built for global jetsetters looking for luxury travel credit cards

Avios Ecosystem & Bonus Features

• Bonus Avios for milestone spends — up to 10,000 Avios/year
• Convert Avios for award flights, upgrades, hotel stays, and more
• Easily one of the best miles credit card choices in India if you fly Oneworld airlines
• Works exceptionally well for users focused on credit cards with airmiles

IndusInd Avios Forex Markup

• 2% forex markup, reasonable for a high-end card with international benefits

Why It’s a Top Pick?

The IndusInd Bank Avios Visa Infinite Credit Card is perfect for users who fly globally with Avios partners. With strong air mile earning potential and direct airline redemptions, it stands among the best credit card for airline miles in India.

If you’re looking for high conversion value, elite lounge access, and a trusted loyalty system, this is one of the finest travel reward credit cards and a must-have for frequent international flyers focused on credit cards with air miles.

8. Marriott Bonvoy HDFC Credit Card – Best Credit Card For Travel Benefits

Feature	Details
Ideal For	Marriott loyalists and frequent travelers looking for hotel rewards, free stays, and elite status
Type	Co-branded hotel + travel credit card that earns Marriott Bonvoy points on all spends
Joining Fee	₹3,000 + GST
Annual Fee	₹3,000 + GST (renewal with similar benefits)
Welcome Bonus	3 Free Night Awards (up to 15,000 points/night) on card activation

Marriott Bonvoy HDFC Card Rewards & Points

• Earn up to 8 Marriott Bonvoy points per ₹150 spent at Marriott properties
• 2–4 points per ₹150 spent on everyday categories like dining and travel
• Points are redeemable at 8,000+ Marriott hotels globally
• One of the best credit cards miles options for hotel loyalty lovers
• Offers massive value to users looking for credit cards for mileage tied to hotel programs

Marriott Bonvoy Travel Benefits

• 1 Free Night Award every year on card renewal
• Complimentary Silver Elite Status in Marriott Bonvoy Program
• Fast track to Gold Elite with ₹3 lakh annual spend
• Strong contender for best travel card India for hotel-focused travelers

Marriott Bonvoy Hotel Ecosystem & Utility

• Redeem points for stays, upgrades, dining, and Marriott experiences
• Points don’t expire with one eligible activity every 24 months
• Elite benefits include priority late checkout, upgrades, and bonus earnings
• If you value global hotel comfort, this is the best credit card for travel within India and abroad

Marriott Bonvoy Forex Markup

• 3.5% forex markup – better suited for domestic and hotel-specific international use

Why It’s a Top Pick?

The Marriott Bonvoy HDFC Credit Card is India’s first co-branded hotel credit card and easily qualifies as the best travel card in India for Marriott enthusiasts. With free night stays, elite status, and accelerated point earnings, it’s an all-in-one best credit card miles option for leisure and business travel.

If you’re someone who frequently stays at Marriott properties or travels with comfort in mind, this is one of the best credit cards miles and loyalty-driven travel cards you can own.

9. Emirates Skywards ICICI Bank Emeralde Credit Card – Best Miles Credit Card

Feature	Details
Ideal For	Emirates frequent flyers who want to fast-track Skywards tier upgrades, flight rewards, and luxury airport benefits
Type	Co-branded air miles credit card India with exclusive Emirates Skywards privileges
Joining Fee	₹10,000 + GST (also available in monthly plan: ₹1,000/month)
Annual Fee	₹10,000 + GST
Welcome Bonus	10,000 Skywards Miles + Silver Tier upgrade (on card activation)

Emirates ICICI Emeralde Card Rewards & Miles

• Earn 2.5 Skywards Miles per ₹100 spent on Emirates.com, 1.5 miles on international spends
• Use miles for free flights, cabin upgrades, and partner redemptions
• One of the best credit card to book flights directly with Emirates
• Among the best air miles credit card India for global jetsetters
• Works seamlessly for those searching for credit card airline miles programs that deliver value

Emirates ICICI Travel Benefits

• Unlimited international and domestic airport lounge access
• Complimentary airport spa, golf access, and concierge support
• Global emergency assistance and travel insurance included
• Comes with high-end credit card travel offers for premium flyers

Skywards Membership & Redemption Perks

• Instant Silver Tier status with Emirates Skywards
• Faster access to Gold Tier with annual spend milestones
• Redeem Skywards Miles for flights on Emirates, FlyDubai, and airline partners
• A top pick for travelers seeking credit cards with free flights or upgrades

Forex Markup – Emirates Emeralde

• 2.5% forex markup, reasonable for a premium international travel-focused card

Why It’s a Top Pick?

The Emirates Skywards ICICI Bank Emeralde Credit Card is purpose-built for elite Emirates travelers. From high Skywards Mile earnings to Silver Tier benefits and luxury travel services, it ranks among the best credit card in India for travel.

If you’re looking for a powerful air miles credit card India offering seamless reward redemption, exclusive status, and luxury perks — this card is an excellent choice for those who want credit cards with free flights and global value.

10. MakeMyTrip ICICI Bank Credit Card – Travel Rewards Credit Cards

Feature	Details
Ideal For	Budget-conscious and frequent domestic travelers who book via MakeMyTrip and want consistent travel savings
Type	Co-branded travel card credit designed for MakeMyTrip users with flight, hotel, and dining benefits
Joining Fee	₹500 + GST
Annual Fee	₹500 + GST (waived on ₹2 lakh annual spend)
Welcome Bonus	₹1,500 MMT voucher + exclusive MMTBLACK membership

MMT ICICI Credit Card Rewards & Travel Benefits

• 1.5 MyCash on MMT bookings, 1 MyCash on all other online spends
• MyCash is redeemable 1:1 on MMT for hotels, flights, and experiences
• Designed for affordable credit card travel spending and redemptions
• Strong contender for credit cards for travel under ₹500 fee
• Works as one of the best credit card for travel benefits for casual flyers

Travel-Linked Perks & Airline Rewards

• Flat ₹500 cashback on 1st flight booking and ₹1,000 on 1st hotel stay
• Complimentary domestic lounge access (1/quarter)
• Strong value for a low-fee airline rewards credit card
• A good pick for first-time users exploring airline reward credit cards

Lifestyle Offers & Utility

• Discounts on dining via Culinary Treats program
• Waiver of fuel surcharge up to ₹100/month
• Easy EMI, bill payments, and in-app ICICI PayLater access
• Perfect everyday credit card for travelling with integrated MMT savings

Forex Markup – MMT ICICI Credit Card

• 3.5% forex markup – best used for domestic bookings and spends within India

Why It’s a Top Pick?

The MakeMyTrip ICICI Bank Credit Card is a fantastic entry-level travel card credit offering both upfront savings and long-term rewards for frequent MMT users. With instant vouchers, MyCash benefits, and airline cashback, it ticks the boxes for those wanting best credit cards travel without paying a premium.

If you’re searching for a pocket-friendly credit card for travelling with practical redemption options and partner perks, this card stands out as a reliable performer among low-fee credit cards for travel in India.

Conclusion – Best Travel Credit Cards In India!

Whether you’re flying domestic or international, the right card can unlock premium perks and real savings. From the Axis Atlas Credit Card to other top performers, these are the best travel credit cards India has to offer. Choose based on your needs—be it complimentary flight tickets, lounge access, or a lifetime free option. For global trips, pick the best credit card for international travel from India and enjoy seamless journeys with unmatched rewards.