Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Travel credit cards offer various benefits tailored to the diverse needs of frequent travellers.
These credit cards typically offer value back through rewards or miles, which can be redeemed for travel bookings. However, certain credit cards stand out by offering excellent value for domestic travel, with benefits like accelerated rewards, complimentary lounge access, discounts on travel bookings, and much more. Most travel credit cards are offered in collaboration with airlines or travel portals like IndiGo, MakeMyTrip, etc. Additionally, there are all-round travel credit cards available in the market that offer benefits across all travel expenses. You can choose the right credit card based on your spending pattern and brand preferences to save on travel costs. Here, we have listed some of the best credit cards for domestic travel.
Exclusive Card Offers from India’s top banks are just a click away
Edit
Error: Please enter a valid number
Best Credit Cards for Domestic Travel in India 2026
Here is a list of the top credit cards for domestic travel. This list has been created by considering both co-branded and all-rounder travel credit cards. However, priority has been given to travel credit cards offering higher benefits across all travel spends, allowing you to save more on your travel expenses.
Axis Atlas Credit Card
Joining fee: ₹5000
Annual/Renewal Fee: ₹5000
2.5X EDGE Miles on Travel spends
Up to 12 international and 18 domestic lounge access every year
Product Details
- Up to 2,500 bonus EDGE Miles as welcome benefit
- Up to 5 EDGE Miles per Rs. 100 spent on travel
- Redeem EDGE Miles at value of 1 EDGE Mile = 2 Partner Points
- Milestone benefits of up to 5,000 EDGE Miles
- Up to 5,000 EDGE Miles as milestone benefit
Axis Bank Horizon Credit Card
Joining fee: ₹3000
Annual/Renewal Fee: ₹3000
Up to 32 visits to domestic and 8 to international airport lounges annually
Up to 5 EDGE Miles per Rs. 100 spent; 1 EDGE Mile = 1 Partner Point
Product Details
- 5 EDGE Miles on every Rs. 100 spent on Axis Bank Travel EDGE portal and direct airline websites/counters
- 2 EDGE Miles on every Rs. 100 spent on other categories
- 25% off, up to Rs. 800 per month, on dining via EazyDiner, on minimum order of Rs. 2,500
- 5,000 EDGE Miles on the first card spend of min. Rs. 1,000 made within 30 days of card issuance
- 1,500 EDGE Miles as card renewal bonus
6E Rewards XL Indigo HDFC Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
Free IndiGo flight ticket worth Rs. 3,000 & Indigo 6E Prime Add-on
5% value-back as rewards on IndiGo website and mobile app
Product Details
- 5 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
- 3 6E Rewards per Rs. 100 spent on dining, grocery, and entertainment spends
- 2 6E Rewards per Rs. 100 for all other retail spends
- 1 complimentary 6E Prime Add-On and Accor Hotel stay voucher as welcome benefit
- 8 complimentary domestic lounge visits in a year
MakeMyTrip ICICI Bank Credit Card
Joining fee: ₹999
Annual/Renewal Fee: ₹999
Up to 6% savings on MakeMyTrip spends
Rs. 1,000 MMT voucher every year
Product Details
- 6% myCash (12 myCash per Rs. 200) on MakeMyTrip hotel bookings
- 3% myCash (6 myCash per Rs. 200) on flights, holiday packages, cabs & bus bookings via MakeMyTrip
- 25 myCash on MMT train bookings; 1 myCash = Rs. 1
- 1% myCash on other spends; Low forex mark-up fee of 0.99%
- Buy 1, get 25% off up to Rs. 150 on the 2nd BookMyShow ticket, once a month
Ixigo AU Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
10% discount on travel bookings at Ixigo
Up to 10 reward points per Rs. 200 spent
Product Details
- 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
- 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
- 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
- Zero forex markup fee
- 16 free visits to domestic airport and railway lounges and 1 free visit to international airport lounge per year
Standard Chartered EaseMyTrip Credit Card
Joining fee: ₹350
Annual/Renewal Fee: ₹350
20% discount on domestic & international hotel bookings via EaseMyTrip
10% discount on domestic & international flight bookings via EaseMyTrip
Product Details
- Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
- Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
- Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
- 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
- 2 complimentary domestic lounge visit per year
Federal Bank Scapia Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
Up to 20% Scapia coins on your spends
Zero forex mark-up fee with unlimited access to domestic airport lounges
Product Details
- 20% Scapia coins on travel bookings made on Scapia app
- 10% Scapia coins on online & offline purchases, where 5 Scapia coins = Rs. 1
- Lifetime-free credit card with zero forex mark-up fee
- Unlimited domestic airport lounge access on spending min. Rs. 10,000 every month
- Up to Rs. 1,000 off on spends at domestic airports on min. Rs. 10,000 monthly spends
IRCTC SBI Card Premier
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
10% valueback on AC1, 2 & 3, ECC & CC bookings via IRCTC
Rewards redeemable on IRCTC in 1:1 ratio
Product Details
- 5% rewards on e-catering orders & air tickets on IRCTC platforms
- 3 reward points per Rs. 125 spent on dining & utilities & 1 reward point per non-fuel retail spends
- 1% transaction fee waived on IRCTC railway tickets & 1.8% transaction fee waived on IRCTC airline tickets
- 8 complimentary visits to railway lounge in a year (Max. 2 per quarter)
- 2,500 and 5,000 reward points on Rs. 50,000 and Rs. 1 lakh annual travel spends respectively
HDFC Regalia Gold Credit Card
Joining fee: ₹2500
Annual/Renewal Fee: ₹2500
5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward points per Rs. 150 across all retail spends
Product Details
- Complimentary Swiggy One & MMT Black Elite Memberships
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
- Marks & Spencer/ Reliance Digital/ Myntra/ Marriott vouchers of Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
Top Credit Cards for Domestic Travel 2026
Some of the best credit cards that will help you save on your domestic travel are mentioned below:
1. Axis Atlas Credit Card
Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000
Key Features & Benefits:
- 2,500 bonus EDGE Miles on making the first transaction within 37 days of card setup
- 5 EDGE Miles per Rs. 100 spent on monthly travel spends of up to Rs. 2 Lakh
- 2 EDGE Miles per Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
- Redeem EDGE Miles against partner air miles and hotel loyalty points at a 1:2 ratio
- Up to 12 complimentary international lounge visits in a year*
- Up to 18 complimentary domestic lounge visits in a year*
- 2 EDGE Miles per Rs. 100 spent across all other categories
- Up to 5,000 EDGE Miles as milestone benefit*
*Subject to annual spends.
Axis Atlas Credit Card offers value back in the form of EDGE Miles, which can be redeemed across 20+ travel partners. Cardholders can earn up to 5% value back on travel spends and 2% value back on other categories. This credit card offers one of the highest redemption ratios of 1:2 against partner air miles and hotel loyalty points, making it a well-suited option for frequent travellers looking to save on travel expenses. Additionally, the card offers a higher frequency of complimentary domestic and international lounge visits. However, these benefits are offered on a tier-based structure. So, maximizing your spends on the card can help you upgrade to the highest tier, which comes with higher benefits. Overall, Axis Atlas Credit Card is a great fit for frequent travellers who are not inclined to a specific brand but want to avail all-round travel benefits.
2. Axis Bank Horizon Credit Card
Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000
Key Features & Benefits:
- 5,000 EDGE Miles as joining and 1,500 EDGE Miles as renewal benefits
- 5 EDGE Miles per Rs. 100 spent on Travel EDGE portal and at direct airline websites/counters
- 2 EDGE Miles per Rs. 100 spent on other categories
- Redeem EDGE Miles against partner air miles or hotel loyalty points at a value of 1 EDGE Mile = 1 Partner Point
- Up to 8 complimentary international airport lounge visits every year
- Up to 32 domestic lounge visits for Visa cardholders and up to 24 domestic lounge visits for Mastercard users in a year
Axis Bank Horizon Credit Card offers 5% value back on travel bookings and 2% on other spends in the form of EDGE Miles. Cardholders can redeem accumulated EDGE Miles against partner airlines and hotel loyalty points at a 1:1 ratio. While this credit card offers a similar value back to Axis Atlas Credit Card—up to 5% on travel spends—Horizon Credit Card limits the 5% value back to bookings through the Travel EDGE platform and standalone airline websites. Additionally, Axis Horizon Credit Card offers a higher frequency of complimentary domestic airport lounge visits compared to other credit cards in a similar annual fee range. Overall, it offers decent value back for frequent travellers through EDGE Miles and complimentary lounge access.
3. 6E Rewards XL IndiGo HDFC Bank Credit Card
Joining Fee: Rs. 1,500
Annual Fee: Rs. 1,500
Key Features & Benefits:
- Complimentary 6E Prime Add-on for services like priority check in, choice of seat, complimentary meal, etc.
- Complimentary IndiGo air ticket worth Rs. 3,000 on making 3 or more transactions in each of the first three months after card setup
- 5% 6E rewards per Rs. 100 spent on IndiGo website or mobile app
- 8 complimentary domestic lounge visits every year
- Low forex markup fee of 2.5%
- 3% 6E rewards per Rs. 100 spent on dining, grocery, and entertainment spends
- 2% 6E rewards per Rs. 100 for all other retail spends
6E Rewards XL IndiGo HDFC Bank Credit Card primarily offers value through its rewards program. Similar to the Kotak IndiGo XL Card, it offers benefits such as accelerated reward points on IndiGo spends, domestic lounge access, and a complimentary IndiGo ticket as a welcome benefit. With an annual fee of Rs. 1,500, this card offers up to 5% value back on IndiGo spends, making it a decent choice for frequent travellers. Beyond IndiGo spends, cardholders can also earn accelerated (3%) value back on everyday categories like dining, groceries, and entertainment, making it suitable for day-to-day spends as well. This credit card is designed to cater to the needs of frequent travellers, with benefits like domestic lounge access, a free air ticket, complimentary add-ons, and accelerated rewards on travel bookings.
4. MakeMyTrip ICICI Bank Credit Card
Joining Fee: Rs. 999
Annual Fee: Rs. 999
Key Features & Benefits
- MMT voucher worth Rs. 1,000 & MMTBLACK Gold Membership as welcome & renewal benefits
- MMT voucher worth Rs. 1,000 valid for three months, on the payment of annual fee
- Unlimited 6% MyCash on hotel bookings via MakeMyTrip
- Unlimited 3% MyCash on flights, holiday packages, cabs & bus bookings via MakeMyTrip
- 25 myCash on train bookings via MakeMyTrip
- 1% myCash on all other spends
- 8 complimentary domestic airport lounge visits every year
- 1 complimentary international airport lounge visit in a year
- Low forex markup fee of 0.99%
MakeMyTrip ICICI Bank Credit Card is a replacement for the previous two MMT ICICI co-branded cards: MMT ICICI Platinum and MMT ICICI Signature. This card offers up to 6% value back in the form of MyCash on bookings made through MakeMyTrip, along with additional travel benefits such as complimentary domestic and international lounge access and a low forex markup fee of 0.99%. Unlike the earlier cards, which did not offer accelerated benefits on train bookings, this card offers 25 MyCash on every train booking via MMT. At an annual fee of Rs. 999, this credit card offers decent value back, especially for MakeMyTrip loyalists, making it an excellent choice for frequent travellers.
5. Ixigo AU Credit Card
Joining Fee: Nil
Annual Fee: Nil
Key Features & Benefits
- 20 reward points for every Rs. 200 spent on train bookings with Ixigo
- 10% off on bus bookings, up to Rs. 300 per month
- 10% discount on flight bookings, up to Rs. 1,000, once per month
- 10% off on hotel bookings, up to Rs. 1,000 once per month
- 1 complimentary international lounge access every year
- 16 complimentary domestic airport lounge visits every year
- 16 complimentary domestic railway lounge access every year
- Zero forex markup fee
- Bonus 1,000 reward points & Ixigo money vouchers worth Rs. 1,000 as welcome benefits
- 10 reward points for every Rs. 200 spent on online purchases
- 5 reward points for every Rs. 200 spent offline
Unlike most co-branded travel credit cards, Ixigo AU Credit Card stands out by offering accelerated benefits on bus and train bookings. With this card, you can earn 4X rewards on railway bookings and save up to Rs. 300 per month on bus rides, making it ideal for domestic travellers who prefer buses and trains over air travel. At an annual fee of Rs. 999, the card offers 1,000 bonus reward points and an Ixigo voucher as activation benefits. Additionally, it offers up to 16 complimentary railway and airport lounge visits per year. The discount benefits on Ixigo can be availed every month, making it a suitable choice for both frequent and occasional travellers. If you are an Ixigo loyalist and prefer railways over airways, this credit card stands out with its accelerated rewards on railway bookings and decent railway lounge access benefits.
6. Standard Chartered EaseMyTrip Credit Card
Joining Fee: Rs. 350
Annual Fee: Rs. 350
Key Features & Benefits:
- 20% instant discount on domestic and international hotel bookings
- 10% instant discount on domestic and international flight bookings
- Flat Rs. 125 off on bus ticket bookings
- 10 reward points on every Rs. 100 spent at standalone airline/hotel websites, mobile applications or outlets, except any travel aggregators
- 2 complimentary domestic lounge visits every year
- 2 reward points per Rs. 100 on all other retail spends
Standard Chartered EaseMyTrip Credit Card is a low annual fee credit card designed to offer accelerated benefits on bookings made through EaseMyTrip. It is ideal for consumers looking to earn instant discounts on travel bookings. With this card, you can save up to 20% on flight and hotel bookings while also earning rewards on your travel expenses. What sets this card apart is its higher value back compared to similar options, with no minimum transaction limit to avail these benefits. However, it’s important to note that most of the benefits are limited to transactions on EaseMyTrip. Therefore, if you prefer booking through EaseMyTrip over other travel platforms, then Standard Chartered EaseMyTrip Credit Card can be an ideal choice to reduce your travel expenses.
7. Scapia Federal Bank Credit Card
Joining Fee: Nil
Annual Fee: Nil
Key Features & Benefits:
- 20% Scapia Coins on travel bookings through the Scapia app
- Zero forex markup fee
- Unlimited domestic airport lounge access on spending at least Rs. 10,000 per month
- 10% Scapia Coins on all online as well as offline spends
Scapia Federal Bank Credit Card is a co-branded credit card offering accelerated benefits on travel bookings through the Scapia app. Cardholders can earn up to 20% Scapia Coins on their spends and redeem them for flights, hotels, or bus bookings via the Scapia app. You can book flight tickets across all global airlines and choose from over 5 lakh hotels, resorts, & homestays worldwide using the accumulated Scapia Coins and save significantly on travel expenses. Additionally, as a lifetime free credit card, benefits such as unlimited domestic lounge access and zero forex markup fee enhance the overall value of this card. Where most travel credit cards come with high annual fees, Scapia Credit Card stands out as a strong challenger, with zero joining & annual fees and substantial travel-centric benefits.
8. IRCTC SBI Card Premier
Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499
Key Features & Benefits
- 10% value back on AC1, AC2, AC3, AC CC ticket purchases via IRCTC
- 5% value back on air ticket & e-catering purchases on IRCTC
- Save 1% transaction charges on railway ticket bookings through www.irctc.co.in
- Save 1.8% transaction charges on airline ticket bookings through air.irctc.co.in
- 8 complimentary railway lounge access every year
- Up to 5,000 reward points on annual travel spends of Rs. 1 Lakh
- 1,500 reward points worth Rs. 1,500 on the payment of first annual fee
- 3 reward points per Rs. 125 spent on dining and standing instructions on utility
- 1 reward point per Rs. 125 spent on other retail purchases
IRCTC SBI Card Premier is a co-branded credit card designed for frequent travellers who prefer to travel by train. The card offers up to 10% value back on IRCTC train ticket bookings. Besides this, you can also save up to 5% on air tickets and e-catering spends through IRCTC. With an annual fee of Rs. 1,499, the card offers decent travel benefits for domestic travellers, including complimentary railway lounge access, transaction charge waivers on railway & airline ticket bookings, and accelerated value back on IRCTC spends. Overall, this is an ideal credit card for people who frequently travel by train, as it offers accelerated value back on IRCTC bookings. However, if you are looking for a lower annual fee card, you can consider another variant – IRCTC SBI Platinum Card.
9. HDFC Regalia Gold Credit Card
Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500
Key Features & Benefits
- Complimentary Swiggy One & MMT Black Elite memberships
- 12 complimentary domestic lounge visits in a year
- Complimentary Priority Pass Membership on completing 4 retail transactions on the card
- Up to 6 complimentary international lounge visits per calendar year
- Flight vouchers worth Rs. 5,000 on spending Rs. 5 Lakh in a year
- Additional Rs. 5,000 flight voucher on annual spends of Rs. 7.5 Lakh
- Gift voucher worth Rs. 2,500 on the payment of joining fee
- 4 reward points per Rs. 150 spent across all categories
- 20 reward points per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
HDFC Regalia Gold Credit Card is one of the best options for individuals who frequently travel within India. This credit card with lounge access offers complimentary memberships, flight vouchers, and more, helping you save significantly on travel expenses. If your goal is to earn travel benefits alongside decent rewards in other categories, HDFC Regalia Gold Credit Card is the right choice. This credit card is best suited for high spenders who put most of the travel expenses on their credit cards. This way, you can make the most out of the rewards program by redeeming earned reward points for travel bookings or Air Miles. Additionally, you can also earn flight vouchers worth Rs. 10,000 on annual spends of Rs. 7.5 Lakh, which further enhances the overall value for frequent travellers.
