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Travel Credit Card: How to apply for a Travel Credit Card in India
India's tourism industry is experiencing a significant boom, with more people seeking responsible and cost-effective travel experiences. To make smart travel choices, many individuals are opting for travel Credit Cards. These cards offer discounts, reward points, cashback, and other benefits on travel expenses.
In this article, we will explore the potential of travel Credit Cards in India and explain how to maximise the benefits of a budget-friendly holiday.
What is a Travel Credit Card?
A travel Credit Card is specifically designed to cater to the needs of frequent travellers. It offers various benefits, such as discounts, reward points, and cashback on travel-related expenses. These cards also provide additional perks, like lounge access and travel insurance.
Travel Credit Card: Features and benefits
- Reward points
One of the key features of the best travel Credit Card would be the ability to earn reward points on every transaction. These reward points can be accumulated and redeemed for various travel-related expenses such as flight tickets, hotel bookings, or even vacation packages. - Flight ticket benefits
With a travel Credit Card, you can avail of discounts or cashback on flight ticket bookings. - Lounge access benefits
Many premium Travel Credit Cards offer complimentary access to airport lounges. This perk allows you to relax in comfort before your flight and enjoy amenities such as food and beverages, WiFi connectivity, and comfortable seating areas. - Fuel purchase benefits
Certain Travel Credit Cards provide fuel surcharge waivers or cashback on fuel purchases. This benefit can help you save money on your regular fuel expenses. - Membership benefits
Some Travel Credit Cards offer exclusive memberships to loyalty programmes or clubs. These memberships provide access to additional benefits such as priority boarding, extra baggage allowance, or even hotel upgrades. - Hotel booking benefits
Similar to flight ticket benefits, Travel Credit Cards may provide discounts or cashback on hotel bookings. - Insurance benefits
Travel Credit Cards often include travel insurance coverage for emergencies or trip cancellations. This insurance can provide financial protection and peace of mind while travelling. - Additional benefits
Apart from the mentioned benefits, Travel Credit Cards may offer additional perks such as dining privileges at partner restaurants, concierge services for personalised assistance during your trip, and special offers on travel packages. These features enhance the overall value and experience of using a Travel Credit Card.
Eligibility criteria for travel Credit Card
To be eligible for a travel Credit Card in India, you typically need to meet certain criteria as per your bank.
- Age: 21 years
- Income: ₹3 lakh per annum
- Credit score: 750+
Documentation for travel Credit Card
You can apply for a travel Credit Card in India online. Here are the different documents that you will need:
- Identity proof: Passport, Aadhaar card, PAN card, driving license or voter ID
- Address proof: Utility bills, bank statements or rental agreement
- Income proof
- Salaried individuals: Latest salary slips or Form 16
- Self-Employed Individuals: Latest Income Tax Returns (ITRs) with proof of income computation
- Duly filled application form
Carefully complete the Credit Card application form with accurate and up-to-date information - Bank statement
Submit bank statements reflecting your income and financial stability (may vary depending on the bank)
How to apply for a travel Credit Card?
Banks and financial institutions like Axis Bank allow you to buy travel Credit Card online. Here is a step-by-step guide to applying for your travel Credit Card:
Step 1. Check eligibility
- Age: Most banks require applicants to be over 21 years old.
- Income: Meet the minimum income threshold set by the bank for your desired card.
- Credit Score:Aim for a good credit score (750+) for better approval chances.
- Employment: Salaried or self-employed individuals with stable incomes are preferred.
Step 2. Card selection
- Travel style: Analyse your travel frequency, destinations, and spending patterns.
- Benefits: Compare reward programmes, airport lounge access, travel insurance, and other perks.
- Fees: Understand annual fees, foreign currency markup charges, and late payment penalties.
Step 3. Online application
- Visit the bank's website or download their app.
- Select the desired Travel Credit Card and initiate the application process.
- Fill out the form accurately with personal and financial details.
Step 4. Document submission
- Gather the required documents
- Upload scanned copies or submit photocopies in person, if required.
- Ensure all documents are valid, recent, and complete.
Step 5. Application review
- The bank will assess your application based on the eligibility criteria and submitted documents.
- This process may take a few days to a week.
Step 6. Approval
Upon successful review, you'll receive a notification of approval. Congratulations! You're one step closer to travel adventures.
Step 7. Card delivery
The bank will dispatch your personalised credit card within a stipulated timeframe. Activate your card as per the bank's instructions.
Step 8. Enjoy the benefits
Start using your Travel Credit Card wisely, maximising rewards and benefits. Remember responsible spending and timely payments are crucial.
Also Read: Navigating Credit Cards features and benefits
Wrapping up
Choosing the right Travel Credit Card is essential for maximising benefits and enjoying a budget-friendly holiday. You should consider factors such as annual fees, rewards programmes, foreign transaction costs, and additional perks like lounge access and insurance coverage. Evaluate your spending habits and preferences to align the card with your needs. With the right card in hand, you can make every journey more rewarding.
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.
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