Top Airline Credit Cards in India for 2026

Below mentioned are the top 5 co-branded airline credit cards to help you save on travel expenses:

1. IndusInd Bank Avios Visa Infinite Credit Card

Joining Fee: Rs. 10,000 + Applicable Taxes
Annual Fee: Rs. 5,000 + Applicable Taxes

Key Features & Benefits:

• 6 Avios for every Rs. 200 spent at select preferred international destinations for PoS transactions
• 5 Avios for every Rs. 200 spent on Qatar Airways & British Airways website and app
• 3 Avios per Rs. 200 spent on online spends on select preferred international destinations, domestic & other international destinations and other categories
• 1 Avios point per Rs. 200 on spends across utilities, insurance, govt. services and education
• Low forex markup fee of 1.5% at preferred locations
• 2 international lounge visits in a quarter with complimentary Priority Pass membership
• 2 complimentary domestic airport lounge visits in a quarter

IndusInd Bank Avios Visa Infinite Credit Card is a premium card designed for frequent air travellers. What makes this card stand out is its exclusive partnership with Qatar Airways and British Airways, offering greater flexibility compared to general co-branded airline cards. Cardholders can earn accelerated rewards and benefits on their preferred airline and travel destinations, making it an excellent choice for international travellers. This credit card offers value-back in the form of Avios Points, which are redeemable against flight bookings and travel-related expenses.

2. IndiGo Kotak XL Credit Card

Joining Fee: Rs. 3,000 + Applicable Taxes
Annual Fee: Rs. 3,000 + Applicable Taxes

Key Features and Benefits:

• Up to 21 IndiGo BluChips per Rs. 100 spent on IndiGo flights
• 3 IndiGo BluChips per Rs. 100 spent on dining & entertainment
• 2 IndiGo BluChips per Rs. 100 on other spends
• 4,000 IndiGo BluChips voucher & 1 6E Eats voucher on fee payment
• 8 complimentary domestic lounge visits per year
• 4,000 BluChips voucher each on Rs. 1.5 lakh, Rs. 4 lakh, Rs. 7.5 lakh and Rs. 12 lakh annual spends

IndiGo IndiGo XL Credit Card is an upgraded variant of IndiGo Kotak Credit Card. This credit card offers value-back on your spends in the form of IndiGo BluChips. Cardholders can earn accelerated reward points on IndiGo as well as other lifestyle spends, such as dining and entertainment. The rewards on IndiGo flights can be maximised by booking them via IndiGo website or app as BluChip member. The accumulated reward points can be redeemed for booking tickets via IndiGo website or app. Overall, this credit card offers decent value for frequent travellers through high reward rate on your IndiGo flight bookings, complimentary lounge access, and additional BluChips vouchers as milestone bonus.

3. Emirates Skywards ICICI Bank Sapphiro Credit Card

Joining Fee: Rs. 5,000 + Applicable Taxes
Annual Fee: Rs. 5,000 + Applicable Taxes

Key Features & Benefits:

• Complimentary Emirates Silver Tier membership
• 5,000 Skywards Miles on the payment of joining fee
• Renewal of Silver Tier Membership and 5,000 Skywards Miles on spending Rs. 5 Lakh in a year and annual fee payment
• 1.5 Skywards Miles on every Rs. 100 spent
• 2 complimentary domestic lounge visits every quarter on Rs. 75,000 quarterly spends
• 2 international lounge access per year

Emirates Skywards ICICI Bank Sapphiro Credit Card is tailored for frequent Emirates flyers, offering an array of travel-focused benefits. Cardholders can earn 1.5 Skywards Miles on every transaction, which can be redeemed for flight bookings or upgrades with Emirates. The card also offers complimentary domestic and international airport lounge visits, making it an good choice for those who often fly internationally with Emirates. However, if you do not want to pay a high annual fee of Rs. 5,000, you can opt for the lower fee variant- Emirates Skywards ICICI Bank Rubyx Credit Card.

4. Etihad Guest BOBCARD 

Joining Fee: Rs. 2,500 + Applicable Taxes
Annual Fee: Rs. 2,500 + Applicable Taxes

Key Features & Benefits:

• 3 Etihad Guest Miles per Rs. 100 spent on Etihad Airways
• 1 Etihad Guest Mile per Rs. 100 spent on other categories
• Etihad Guest Silver Tier membership on the 1st spend on Etihad.com made within 6 months
• 1% forex mark-up fee
• 250 bonus Miles if sum of any 4 spends is Rs. 25,000, once per month
• 2,000 bonus Miles on Rs. 2 lakh quarterly spends
• 12,000 bonus Miles on Rs. 7.5 lakh annual spends
• 500 bonus Miles on taking 2 Etihad flights in a year 
• Up to 8 domestic and 4 international lounge visits per year

Etihad Guest BOBCARD offers exclusive travel benefits on Etihad airlines through which you can earn Etihad Guest Miles on every spend. The earned Guest Miles can be redeemed against flight bookings as well as hotel stays across the world. The annual fee can also be reversed on annual sends of just Rs. 3 lakh which is quite easy to achieve for an average spender. A low forex mark-up and up to 23,500 bonus miles as milestone benefits every year also increase overall travel savings. These features make this card suitable for those searching for a travel credit card for their international travels. For higher savings on Etihad Airways spends, you can also opt for this card’s premium variant BOBCARD Etihad Guest Premium.

5. IndiGo SBI Card ELITE

Joining Fee: Rs. 4,999 + Applicable Taxes
Annual Fee: Rs. 4,999 + Applicable Taxes

Key Features & Benefits:

• 7 IndiGo BluChips per Rs. 100 spent on IndiGo app/website
• 3 IndiGo BluChips per Rs. 100 spent on hotels/lodging and travel MCCs
• 2 IndiGo BluChip per Rs. 100 spent on other categories
• 5,000 IndiGo BluChips voucher & 1 6E Eats voucher on joining & renewal fee payment
• 4 6E Prime passes on spending Rs. 1 lakh in the 1st 90 days 
• 6,000 BluChips voucher each on reaching Rs. 3 lakh, Rs. 6 lakh, Rs. 9 lakh & Rs. 12 lakh annual spends
• 4 flight cancellations covers of up to Rs. 3,000 each per year 
• Up to 8 domestic (2 per quarter on Rs. 1 lakh quarterly spends) and 6 international lounge visits per year

IndiGo SBI Card ELITE offers up to 7% rewards on co-branded spends and accelerated value-back on other travel-related spends. Cardholders get these rewards in the form of IndiGo loyalty points that can be redeemed for booking tickets on IndiGo website or app. This travel credit card also offers additional rewards in considerable numbers as spend-based milestone bonus. Beyond these IndiGo BluChips, the card enhances its overall value for frequent travellers with benefits like flight cancellation cover of up to Rs. 12,000 in a year and complimentary lounge access across the world.

Top Co-branded Airlines Credit Cards in India

Given below is a detailed list of all the major credit cards in India that are co-branded with airlines, along with their travel benefits: