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The eventful 2019 has ended and has given us a number of financial lessons. In the year 2020, these lessons would drive our finances and how we approach towards planning our expenses. There are a number of portals that will tell you about exotic destinations to choose for your vacations but no one will tell you how to plan for them smartly. In this article, we will discuss how to make your dream of unwinding at your favourite location come true using some of the best credit cards.

Jump to:
Booking Your Tickets using Credit Cards
Travel Insurance on Your Credit Card
Airport Lounge Access on Your Credit Card
Dining, Golf and Other Facilities on Your Credit Card
Low Foreign Currency Conversion Fee
International Shopping Offers and Deals on your Credit Card
Concierge Services on Your Credit Card
Bottom Line

Booking Your Tickets using Credit Cards

A number of credit cards offer huge discounts on booking flight tickets using the credit card in the form of cashback or discounts. Such cards allow users to redeem Air Miles earned on spending using the credit card into tickets making it almost free for them to travel.

Air India SBI Signature Credit Card

Joining Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST

  • Up to 30 Reward Points for every Rs. 100 spent on Air India tickets
  • Complimentary Air India Frequent Flyer program-Flying Returns membership
  • Complimentary Priority Pass Program membership
  • Complimentary domestic Visa Lounge Access Program membership

Read Air India SBI Card Latest Review Here (Updated 2020)

 Citi PremierMiles Credit Card

Joining Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST

  • Access to ‘Premier Miles’ offering complimentary air travel worldwide
  • 10 Miles per Rs. 100 on airline spends at www.premiermiles.co.in
  • Complimentary Frequent Flyer Program membership
  • Complimentary access to domestic and international airport lounges

Read Citi PremierMiles Credit Card Review

MMT ICICI Bank Visa Signature Credit Card

Joining Fee: Rs. 2,500 + GST
Renewal Fee: Nil

  • Complimentary DragonPass membership
  • 1 complimentary railway lounge access per quarter
  • Complimentary MMTDOUBLEBLACK and MMTBLACK enrolment
  • Complimentary access to Visa lounges twice in a quarter

Travel Insurance on Your Credit Card

Travel insurance plays a vital role in case of air travel especially when you are travelling overseas. There can be flight delays, cancellations, baggage misplacement or air accidents. Travel insurance cannot return you the lost luggage but it can cover for it.

IndusInd Bank Platinum Aura Credit Card

Joining Fee: Rs. 899 + GST
Renewal Fee: NilIndusInd Platinum Aura Credit Card

  • Complimentary travel insurance for lost or delayed baggage, missed connections, lost passport or lost ticket
  • Complimentary air accident insurance up to Rs. 25 lakh
  • Complimentary access to premium concierge services
  • Complimentary Priority Pass Membership

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Etihad Guest SBI

Joining Fee: Rs. 1,499 + GST
Renewal Fee: Rs. 1,499 + GST (Reversed on spending Rs. 3 Lakh)

  • Complimentary overseas air accident coverage of Rs. 25 Lakh
  • Complimentary fraud liability cover of Rs. 50,000
  • Complimentary lost baggage allowance of up to USD 1000
  • Up to 10% discount on direct Etihad Airways booking

Read the Latest Etihad Guest SBI Card Review Here

Standard Chartered Ultimate Credit Card

Joining Fee: Rs. 5,000 + GST
Renewal Fee: Rs. 5,000 + GSTSCB Ultimate

  • Personal air accidental death cover up to Rs. 1 Crore
  • Baggage delay cover up to USD 100
  • Flight delay cover up to USD 200
  • Loss of Baggage & Personal documents cover up to USD 750

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Airport Lounge Access on Your Credit Card

Access to airport lounges ensures that you get to spend the time in transit during air travel with peace. Premium lounges offer refreshments, snacks, Wi-Fi, magazines, place to rest, etc. There are a number of credit cards that provide you access to it for free and if you plan to travel to a foreign destination, international lounge access will be a boon for you. Here are some of the best credit cards for airport lounge access.

HDFC Regalia First Credit Card

Joining Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 1,000 + GST (Reversed on spending Rs. 1 Lakh)HDFC Regalia First Credit Card

  • 3 complimentary international airport lounge under Priority Pass
  • 8 complimentary lounge access within India through Visa/ MasterCard
  • Accidental air death cover worth Rs. 50 lakhs
  • Emergency overseas hospitalization cover up to Rs. 10 lakhs

Read HDFC Regalia First Credit Card Review

ICICI Bank Sapphiro Credit Card

Joining Fee: Rs. 6,000 + GST
Renewal Fee: Rs. 3,500 + GST (Reversed on spending Rs. 6 Lakh)

  • Complimentary Dreamfolks DragonPass Lounge Access for 2 international lounge access per year
  • 4 complimentary domestic airport lounge visits per quarter
  • 15% off at restaurants under Culinary Treats programme
  • Up to Rs. 500 off on the second ticket at BookMyShow

Read Latest ICICI Bank Sapphiro Credit Card Review

HDFC Bank Diners ClubMiles Credit Card

Joining Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 1 Lakh)

  • Up to 6 complimentary access to 700+ Lounges worldwide per year
  • Exclusive dining offers at restaurants in over 70 different countries
  • Exclusive concierge services round the clock
  • Miles exchange program with Club Vistara, Kris Flyer, The British Airways and Jet Airways

Read HDFC Diners ClubMiles Review (Updated 2020)

Dining, Golf and Other Facilities on Your Credit Card

If you are looking forward to enhance your holiday experience with exclusive privileges, you can opt for credit cards that provide access to premium golf courses and other exclusive destinations at no extra cost. Some credit cards also offer huge discounts on dining at partner restaurants in India and abroad. You can select one such card if you are a foodie at heart.

HDFC Diners Club Black Credit Card

Joining Fee: Rs. 5,000 + GST
Renewal Fee: Rs. 5,000 + GST (Waived off on spending Rs. 5 Lakh)HDFC Diners Club Black Credit Card

  • Complimentary Annual Memberships of Club Marriott, MMT Double Black, Times Prime, Forbes Digital, etc.
  • Exclusive discounts at leading spas, salons, gyms, etc.
  • 6 complimentary golf games per quarter
  • Exclusive 24/7 Dining Referral and Reservation Assistance

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Low Foreign Currency Conversion Fee

When you go on a vacation overseas, there can be a number of occasions where you might have to make purchases in foreign currency. Card providers charge a fee on foreign currency conversion. Lesser the fee, better would it be for you to shop internationally. Below-mentioned are some of the best credit cards with low foreign currency conversion fee:

RBL Bank World Safari Credit Card

Joining Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
RBL World Safari Credit Card

  • Zero Foreign Currency Markup Fee
  • 5 Travel Points on every Rs. 100 spent on travel
  • Complimentary Priority Pass Membership
  • Free golf lessons and access to select domestic golf courses

Read Latest Review Here

YES FIRST Preferred Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Yes First Preferred Credit Card

  • Preferential Foreign Currency Mark-up Fee of 1.75% only
  • Medical Insurance cover of Rs. 25 Lakhs for emergency hospitalization overseas
  • Complimentary Priority Pass Membership
  • Exclusive YES Assist Concierge Services

HDFC Regalia Credit Card

Joining Fee: Rs. 2,500 + GST
Renewal Fee: Rs. 2,500 + GST (Waived off on spending Rs. 3 Lakh)HDFC Regalia Credit Card

  • Low mark-up fee of 2% on all foreign currency transactions
  • 6 complimentary lounge access outside India under Priority Pass
  • Customized travel, shopping and business experiences with Concierge Assistance
  • Accidental air death cover worth Rs. 1 Crore

Read Latest HDFC Regalia Credit Card Review (Updated 2020)

SBI Card ELITE

Joining Fee: Rs. 4,999 + GST
Renewal Fee: Rs. 4,999 + GST
SBI Elite Credit Card

  • Low Foreign Currency Mark-up Fee of 1.99% on International use
  • 2 Reward Points on every Rs.100 spent on International transactions
  • 6 free Airport Lounge visits every year outside India
  • Exclusive Concierge Service

Read SBI Elite Credit Card Review

International Shopping Offers and Deals on your Credit Card

Vacations to international destinations are incomplete without shopping. When you get huge deals and discounts on shopping, you can always purchase all those gifts and accessories for yourself and loved ones. Opt for any of the cards mentioned below that offer huge discounts on shopping if you are a shopaholic:

Standard Chartered Emirates World Credit Card

Joining Fee: Rs. 3,000 + GST
Renewal Fee: Rs. 3,000 + GST
Standard Chartered Emirates World Credit Card

  • 5% cashback on duty-free shopping
  • 3 complimentary golf games a year, a free lesson every month and 50% discount on all games
  • Exclusive dining privileges at partner restaurants
  • 2 free domestic & international Priority Pass lounge access monthly

Read Standard Chartered Emirates World Credit Card Review

Yatra SBI Card

Joining Fee: Rs. 499 + GST
Renewal Fee: Rs. 499 + GST
Yatra SBI Credit Card

  • 6 Reward Points on every Rs. 100 spent Internationally
  • Cash withdrawal facility from over 1 million MasterCard ATMs worldwide
  • Rs. 4,000 off on international flight bookings
  • Complimentary Air Accident cover of Rs. 50 Lakh

Know More

Concierge Services on Your Credit Card

Concierge services allow you to book table for dining, cab, travel, stay, emergency services and more just with a phone call. These services can be availed 24/7. If your card offers international concierge services, just imagine how convenient can it be to enjoy your vacation without any worries. Enlisted below are some of the best credit cards for concierge services:

HDFC Bank Diners Club Rewardz Credit Card

Joining Fee: Rs. 1,000 + GST
Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 1 Lakh)HDFC Diners Club Rewardz Credit Card

  • 24/7 concierge assistance over call
  • 10X Reward Point on International spends
  • Air tickets/hotel booking at www.hdfcbankdinersclub.com
  • 3 Reward Points for every Rs. 150 spent on retail shopping

Know More

SBI Card PRIME

Joining Fee: Rs. 2,999 + GST
Renewal Fee: Rs. 2,999 + GSTSBI Card Prime

  • 15% off on luxury Airport Transfer Service
  • 10% off on Hertz car rental and up to 35% off on Avis car rentals
  • 8% Discount on bookings at hotels.com across Asia-Pacific
  • Up to 10,000 miles per night on hotel stay & 25% extra miles on Kaligo.com

Read SBI Card Prime Latest Review (Updated 2020)

 Citi Rewards Credit Card

Joining Fee: Rs. 1,000+ GST
Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 30,000)

  • Citibank concierge service to send flowers, arrange parties and movie ticket reservations, etc.
  • Citi World Privileges in India and 90 other countries
  • 15% savings across participating restaurants
  • Personal Concierge Services for planning a party, dining reservations, travel assistance, etc.

Read the Latest Citi Rewards Credit Card Review

Bottom Line

You can save a lot with an appropriate credit card when booking for vacations. It is always good to have a number of features in your credit card but paying for the facilities that you would rarely use is not advisable. All said and done, you should always select a card that meets most of your needs at the lowest annual fee possible.

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