Must have credit card for every Indian traveler

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Photo of Must have credit card for every Indian traveler by Gautam S
Day 1

Being an avid traveler, it is important to have a credit card which gives the maximum benefit to make traveling economical. Here are the top credit cards in India with the best reward programs:

1.Amex Gold Card:

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Joining fees: 1180

Points breakup: 4000 (using the card thrice within 60days of joining)

Rs.1000 x 6 transaction : 1120 points each month = 13400 points/year

Total point so far: 4000+13400= 17400

Another Rs 30000 spend for the year= 600 points ( 1 point= Rs 50)

Total 18000 points redemption= statement credit of Rs. 7500

Net benefit= 7500- 1180(joining fees)= Rs.6320

Total spending for the year= 102000

Net % benefit= 6.19%

2.Amex platinum travel card:

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Joining fee/1st yr fee= Rs 4130 ( for which u get a taj voucher worth Rs 4000)

This card allows 4 free domestic lounge access in a year.

On 4 lac spend in a year= Travel voucher worth Rs. 24000 ( to make travel booking on amex travel website where there is no convenience/booking fee charged on flight). Also another taj voucher worth Rs. 10000

Hence net benefit = 8.5%

3.HDFC Regalia credit card:

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Joining Fee/annual fee: Free

This credit card also gives you a free priority pass with 6 complimentary international lounge access visit per calendar year.

Also under the visa/MasterCard program, 2 domestic lounge access per quarter.

4.SBI Air India signature credit card:

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Joining fee: 5900( in lieu you get 20000 points)

The conversion is 1point= 1 air India mile

On spending 5Lacs, total reward point earned= 40000

On 10lacs= 70000, On 20lacs= 130,000

The points are valid for 3years in the flyingreturns account. The redemption chart is here: http://www.flyingreturns.co.in/redeem_chart/

Hope the above information is useful.

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