Best Travel Credit Cards Ranked
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Scapia Federal Credit Card
Joining Fee: Lifetime Free | Annual Fee: Lifetime Free
Key Features: Zero Forex Markup: 0% markup on all international spends., Unlimited Domestic Lounge Access: Unlimited access with ₹20,000 combined monthly spend across Scapia Visa/RuPay cards., Scapia Coins: 10% coins on all online/offline spends, 20% on travel bookings via app.
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IndiGo Axis Bank Credit Card
Joining Fee: ₹799 | Annual Fee: ₹799
Key Features: Welcome BluChips: 1,200 BluChips credited upon joining., Accelerated Flight Rewards: 3 BluChips per ₹100 spent on IndiGo flights., Everyday Multipliers: 2 BluChips per ₹100 spent on grocery, dining, and entertainment.
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IndiGo Axis Bank Premium Credit Card
Joining Fee: ₹5,000 | Annual Fee: ₹5,000
Key Features: Welcome Vouchers: 5,000 BluChips + 6E Eats meal voucher upon joining., Flight Rewards: 7 BluChips per ₹100 spent on IndiGo flights., Lounge Perks: 8 domestic and 2 international lounge visits annually.
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IndiGo Kotak Credit Card
Joining Fee: ₹700 | Annual Fee: ₹700
Key Features: Welcome Voucher: 1,500 BluChips upon paying the joining fee., Flight Rewards: 3 BluChips per ₹100 spent on IndiGo bookings., UPI Spends: UPI spends earn BluChips on RuPay network.
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IndiGo Kotak XL Credit Card
Joining Fee: ₹1,500 | Annual Fee: ₹1,500
Key Features: Welcome Bonus: 3,000 BluChips upon joining., Flight Multipliers: 6 BluChips per ₹100 spent on IndiGo bookings., Lounge Access: 8 complimentary domestic lounge visits annually.
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IndiGo IDFC FIRST Credit Card
Joining Fee: ₹4,999 | Annual Fee: ₹4,999
Key Features: Dual Network Convenience: Two physical cards (Mastercard + RuPay) issued together., High Flight Yields: Up to 22 BluChips per ₹100 spent on IndiGo bookings., Low Forex Benefit: Forex markup of 1.49% for international transactions.
Read full review of IndiGo IDFC FIRST Credit Card
Frequently Asked Questions
- Which credit card is best for airport lounge access in India?
- For domestic lounge visits, cards like Scapia Federal (unlimited access upon meeting the monthly spend criteria), IndiGo Axis Premium, and IndiGo Kotak XL offer dedicated complimentary visits across major Indian terminals.
- How do airline co-branded credit cards work in India?
- Co-branded airline credit cards (like IndiGo 6E Rewards with Axis, Kotak, or IDFC FIRST) earn airline loyalty points or vouchers directly on flight bookings and everyday spending, redeemable for flight tickets.
- What is the typical minimum spend requirement for airport lounge access?
- Most Indian banks enforce a spend qualification requirement of ₹10,000 to ₹50,000 in the preceding calendar quarter or statement month to unlock complimentary lounge access visits.
- What is the Visa Power Travel program and can it offset foreign currency fees?
- Visa Power Travel is an official rewards program for Indian Visa cardholders spending in 11 designated destinations: Australia, France, Japan, Nepal, Sri Lanka, Singapore, Thailand, UAE, USA, UK, and Vietnam. Enrolling your card at visapowertravel.com earns up to 20% stackable rewards: 0.5% base reward on in-person POS and ATMs, an extra 10% on contactless Tap-to-Pay or select partner merchants (Grab, Bolt, Klook, Mustafa Centre, King Power), and a ₹10,000 Jetsetter milestone bonus on ₹1 Lakh spend across 20+ transactions. Rewards are redeemed for Air India flight vouchers or Amazon Pay cards (capped at ₹50,000 per card), completely offsetting typical 2% to 3.5% bank forex markups.
- How do I redeem rewards for budget domestic flights like Air India Express?
- Domestic budget flights on Air India Express can be booked directly using Maharaja points starting from just 1,320 points on short domestic sectors. Cardholders can convert eligible credit card points or earn NeuCoins via Tata Neu Infinity to book flights.