February 4, 2023

Even if you cannot afford a global vacation throughout the year-end and Christmas peak season, there’s loads to look ahead to domestically. Many bank cards provide airport or railway lounge entry, reductions on travel-related purchases, and rewards or air miles that may be redeemed towards flight bookings

November 03, 2022 / 09:25 AM IST

Are you planning a year-end vacation? Or are you a frequent home traveller? Then you have to take into account making use of for a bank card that helps you save on journey bills. A journey bank card not solely supplies rewards for journey bookings but additionally gives advantages within the type of complimentary lounge entry, free tickets, co-branded advantages with partnered manufacturers and unique offers and reductions on travel-related purchases. Nonetheless, with so many choices, it’s troublesome to resolve which bank card is the very best match for you. For many who are searching for bank cards that supply important worth again on home journey bills, Paisabazaar has recognized the very best bank cards for home journey.

Standard Chartered EaseMyTrip Credit Card_e

Picture Supply: Customary Chartered | Customary Chartered EaseMyTrip Credit score Card gives a flat 20 p.c and 10 p.c instantaneous low cost on resort and flight bookings, respectively at EaseMyTrip web site and app. The cardholder will get Rs 125 off on bus ticket bookings. It additionally gives 10X rewards on each Rs 100 spent for reserving tickets at standalone resort and airline web sites, apps or retailers. It gives one complimentary home lounge entry per quarter. The annual price is Rs 350 on this card.

SBI Card_IRCTC

Picture Supply: SBI Card | IRCTC SBI Card Premier gives one p.c saving on railway ticket bookings and 1.8 p.c saving on airline ticket bookings. It additionally gives eight home railway lounge accesses per 12 months. The cardholder will get 10 p.c worth again as reward factors on reserving tickets within the AC coaches and chair automobile through the IRCTC app or web site. The annual price is Rs 1,499 on this card.

Citi-premiermiles_e

Picture Supply: Citibank | Citi Premier Miles Credit score Card gives home airport lounge entry and 20 p.c financial savings at associate eating places. You get to earn 10 miles per Rs 100 spent on airline bills. The amassed air miles by no means expire. It additionally gives air accident insurance coverage cowl of as much as Rs 1 crore. The annual price is Rs 3,000 on this card.

Axis Bank_vistata_e

Picture Supply: Axis Financial institution | Axis Vistara Signature gives complimentary membership Vistara Silver membership to clients and 4 complimentary premium economic system tickets on attaining milestones in spending. It additionally gives 4 membership Vistara factors for each Rs 200 spent. The cardholder will get two complimentary home airport lounge entry at chosen airports in India. The annual price is Rs 3,000 on this card.

SBI_Air India_e

Picture Supply: SBI Card | Air India SBI Signature Credit score Card gives as much as 30 reward factors for each Rs 100 spent on Air India tickets booked by means of Air India portals and app, complimentary membership of the Air India Frequent Flyer programme-Flying Returns, entry to over 600 airport lounges with complimentary Precedence Go Programme. The cardholder will get eight complimentary visits per 12 months to home Visa lounges in India. The annual price is Rs 4,999 on this card.

Use your travel credit cards smartly and responsibly. Have a disciplined approach to your credit behaviour. Since credit cards offer a significant interest-free period, there may be a tendency to over-spend while travelling with family on vacations. If you spend more than you can repay and cannot pay your credit card bill timely, you will incur hefty interest charges ranging from 28-49 percent p.a., along with late payment fees.

Use your journey bank cards neatly and responsibly. Have a disciplined method to your credit score behaviour. Since bank cards provide a big interest-free interval, there could also be an inclination to over-spend whereas travelling with household on holidays. In case you spend greater than you’ll be able to repay and can’t pay your bank card invoice well timed, you’ll incur hefty curiosity fees starting from 28-49 p.c p.a., together with late cost charges.

Credit and debit cards

To shortlist the very best home journey bank cards, Paisabazaar in contrast the options of all bank cards accessible inside the phase. They chose all of the playing cards primarily based on the first journey advantages provided by every card for home travellers. All bank card info is sourced and up to date as of October 20, 2022. We organized these bank cards in response to the least annual charges.

Hiral Thanawala is a private finance journalist with 9 years of reporting expertise. Primarily based in Mumbai, he covers monetary planning, banking and fintech segments from private finance group for Moneycontrol.

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