Utilizing credit card rewards to book flights and upgrade using miles and points is simpler than you might imagine. Credit cards offer a range of benefits, such as favorable exchange rates, fraud protection, and convenience. Due to these perks, using a credit card while traveling saves you time, money, and hassle. To choose the finest travel credit card for you, consult this list of the best travel cards in the India.

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1. HDFC Regalia Credit Card

HDFC Regalia is best suited for frequent fliers with sizable annual spending. With Regalia, regular travelers receive six international lounge visits and twelve domestic lounge visits each year. This card has a low 2% foreign exchange markup. It offers complimentary concierge services and in-flight meals. Additionally, you receive a significant reward boost as you accomplish spending milestones.

Annual Fee : Rs. 2500

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2. SBI Air India Signature card

The SBI Air India Signature card is an excellent travel credit card for Indian citizens, especially for frequent Air India fliers. You receive an equal amount of Air India Miles for every point you earn at the standard reward-earning rate of 4%. Spending Rs. 20 lakhs annually will earn you up to 1 lakh reward points, equal to 1 lakh Air India Miles. These miles can be used to book several free flights. Additionally, obtain a fantastic welcome gift of 20,000 Reward points and an anniversary gift of 5,000 Reward points.

Annual Fee : Rs. 4,999

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3. Axis Bank Vistara Signature Credit Card

Axis Bank Vistara Signature Credit Card is suitable for frequent fliers who prefer Vistara Airlines. Cardholders receive up to 2% Club Vistara Points, which can be redeemed for flight upgrades and free flights. The more you spend on the card, the more travel benefits you have. You can get up to 4 premium economy tickets in a year by reaching spending milestones.

Additionally, users are eligible for Club Vistara Silver memberships, travel insurance protection, and discounted golf access.

Annual Fee : Rs. 1,500

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4. InterMiles HDFC Signature Credit Card

The InterMiles HDFC Signature Credit Card is one of the only credit cards that allows you to use miles on any airline of your choice. Cardholders earn 12 InterMiles on Rs. 150 at the InterMiles website booking flights and reserving hotels. Additionally, you get 6 InterMiles on retail spending. You can get up to 10% discount on booking business class flight tickets and up to 5% on booking economy class tickets. In addition to that, you also get a 2.5X bonus of InterMiles.

InterMiles can also be used to book international flights and hotels.

Annual Fees : Rs. 2,500

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5. MakeMyTrip ICICI Bank Signature Credit Card

The MakeMyTrip ICICI Bank Signature Credit Card is the go-to option for frequent travelers who wish to maintain luxury. It offers exclusive benefits on MakeMyTrip, a famous merchant for flight and hotel booking among Indians. All rewards earned are transferred to the user's MakeMyTrip account as My Cash. You can use these rewards on your travel expenditure or on MakeMyTrip to book hotels, tickets, or cabs. Thereby, if you rely entirely on MakeMyTrip to plan your vacations, this card is the one for you.

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The right card for you is based on your goals and circumstances. Always calculate your spending and consider how you would use the benefits before applying for a new card. However, the process of shortlisting and choosing a card can be confusing. Luckily, you can avoid this arduous process with Xare. Xare allows you to access credit cards, regardless of whether you own them. The XareClub allows you to make clubs with your close family or friends and share each other's credit cards safely and conveniently. Thus, if you do not own a frequent flyer credit card but someone you know does, you can still avail the benefits of one by inviting them to join your XareClub. The more members you have in your XareClub, the better. It's just like having a super credit card!

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XareClub offers lucrative features, such as ;

• Exclusive offers on club members' cards,  

• Efficient and easy overseas spending,  

• VIP privileges like lounge access, concierge services, etc.,  

• Rewards when others shop on your card,

and so much more! To avail the ultimate plethora of benefits, join Xare today!  

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