Introduction
Want to make your travel more rewarding in 2025? You’re not alone.
According to recent trends, more Indians are choosing to travel both domestically and internationally—and they’re smarter than ever about getting the most bang for their buck. If you’re looking for the best credit cards for travel rewards in 2025, you’re in the right place. Whether you’re a jet-setter hopping between continents, a domestic flyer, or a budget explorer, this guide has something for everyone.
In this feature article, we’ve broken down the top-performing travel credit cards in India across categories like lounge access, reward rates, and affordability. We’ve also shared our own reviews, highlights, and a simple comparison table to help you choose the one that fits your travel lifestyle.
️ Why Choosing the Right Travel Credit Card Matters in 2025
Travel isn’t cheap—but the right card can seriously stretch your budget. From airport lounge access and free flight tickets to reward points you can convert to air miles or hotel stays, travel credit cards can completely change the way you book, fly, and stay.
But here’s the catch: not all cards are created equal. Premium ones may offer luxury perks but come with hefty annual fees. Entry-level cards offer value but may skip the glam. That’s why we’ve grouped the best credit cards for travel rewards in 2025 into categories: premium, mid-range, and budget.
Premium Travel Credit Cards in 2025
These are ideal for frequent flyers, especially those traveling internationally. They offer unbeatable perks like Priority Pass memberships, air miles transferability, and luxury lounge access.
| Card Name | Key Benefits | Annual Fee (₹) | Our Review |
| HDFC Bank Infinia | Extensive lounge access, high rewards, luxury travel perks | ₹12,500 | For the luxury globetrotter. Unmatched service, but best if you can handle the eligibility criteria. |
| Axis Bank Magnus | Premium lounge access, strong rewards, milestone benefits | ₹12,500 | Great value on spends, luxury feel, excellent for Axis customers. |
| HDFC Diners Club Black | High reward rates, global lounge access | ₹10,000 | Perfect for tech-savvy professionals. Excellent transfer partners. |
| Axis Atlas | 2.5X–5X EDGE Miles, 12 int’l + 18 domestic lounge visits | ₹5,000 | Affordable premium option with strong international travel support. |
Pro Tip: Go for Axis Atlas if you want premium perks without a premium price tag. It offers fantastic transfer flexibility.
Must Read: Top Web Hosting Services for Small Businesses in 2025
Mid-Range Travel Credit Cards in 2025
Looking for a balance between cost and perks? These cards offer domestic lounge access, milestone bonuses, and reward flexibility—perfect for moderate travelers.
| Card Name | Key Benefits | Annual Fee (₹) | Our Review |
| SBI Card Elite | Lounge access, travel vouchers, 5X rewards | ₹4,999 | Great for frequent domestic flyers with lifestyle spends. |
| HSBC TravelOne | 2X rewards on travel, hotel/flight discounts | ₹4,999 | Highly versatile and flexible redemption. Underrated gem! |
| AU Zenith+ Credit Card | Lounge access, travel & lifestyle rewards | ₹4,999 | Good balance of luxury and everyday usability. |
| SBI Air India Signature | 4% reward rate, 8 domestic lounges | ₹4,999 | Excellent for Air India loyalists. Mileage buffs, rejoice! |
| Axis Vistara Signature | Free premium economy ticket, priority check-in | ₹3,000 | Perfect for Vistara flyers who travel regularly. |
Editor’s Choice: HSBC TravelOne offers best-in-class flexibility. You earn faster and redeem smarter.
Also Read: Best VPN Services for Online Privacy
Budget & Entry-Level Travel Credit Cards in 2025
If you’re a budget-conscious traveler, these cards deliver surprising value—some with no annual fees, travel discounts, and even zero forex markup!
| Card Name | Key Benefits | Annual Fee (₹) | Our Review |
| Ixigo AU Credit Card | 10% off bookings, no fee, zero forex | ₹0 | The best free travel card. Great for students and budget flyers. |
| Standard Chartered EaseMyTrip | 10% off flights, 20% off hotels | ₹350 | Incredible savings on online travel bookings. Lounge access included! |
| SBI Air India Platinum | 15% reward on Air India, lounge visits | ₹1,499 | Decent for Air India users who want affordability. |
Budget Pick: Ixigo AU Card is a no-brainer if you don’t want to pay fees and still save on every trip.
Which Credit Card Offers the Best Lounge Access for International Travel?
If lounge luxury is your thing, here are the best cards for international lounge access in 2025:
- ICICI Bank Emeralde Credit Card– Unlimited lounge visits worldwide
- YES Bank Marquee Credit Card– Unlimited lounge access + travel perks
- Axis Bank Reserve Credit Card– Priority Pass with unlimited lounge entries
- HDFC Diners Club Black / Infinia– Global access with capped but generous visits
- Axis Atlas / AU Zenith+– 12–16 visits annually (ideal for semi-frequent fliers)
Best Overall: For unlimited global lounge access, ICICI Bank Emeralde remains unbeatable.
Top Travel Credit Cards with the Highest Reward Rates in 2025
If rewards matter most to you, here are the cards offering the highest returns per rupee spent:
| Card Name | Max Reward Rate | Redemption Option | Annual Fee (₹) |
| Axis Atlas | 5 EDGE Miles/₹100 | Airline/hotel transfer | ₹5,000 |
| Axis Horizon | 5 EDGE Miles/₹100 | Partner transfer | ₹3,000 |
| HSBC TravelOne | 4 pts/₹100 | Air Miles/Hotel Points | ₹4,999 |
| RBL World Safari | 5 pts/₹100 (travel) | Travel vouchers | Not specified |
| SBI Card Elite | 5X pts (dining, groceries) | Travel/lifestyle | ₹4,999 |
| 6E Rewards XL Indigo HDFC | High on Indigo | Indigo bookings | ₹2,500 |
Highest Reward Rate: Axis Atlas & Horizon cards shine with transfer flexibility and travel rewards.
Summary Table: Best Travel Cards for Every Type of Traveler
| Traveler Type | Recommended Cards |
| Frequent International Traveler | Axis Atlas, HDFC Infinia, Amex Platinum, ICICI Emeralde |
| Domestic Frequent Flyer | SBI Air India Signature, Axis Vistara Signature |
| Budget Traveler | Ixigo AU, SC EaseMyTrip |
| Luxury Traveler | HDFC Diners Black, Axis Magnus |
| Hotel & Dining Focus | HSBC TravelOne, Axis Horizon |
| Airline Loyalty (Indigo/Vistara) | 6E Rewards XL, Axis Vistara Signature |
How to Choose the Right Travel Credit Card in 2025
When selecting the best credit card for travel rewards in 2025, keep the following in mind:
- Lounge Access: If you spend hours in airports, lounge access alone can be worth the fee.
- Reward Flexibility: Choose cards that allow point transfer to airlines or hotel partners.
- Annual Fee vs. Perks: Premium cards offer better benefits, but only if you travel frequently.
- Foreign Currency Usage: Look for low or zero forex markup(like Ixigo AU or RBL World Safari).
- Airline Loyalty: Pick co-branded cards like SBI Air India or Axis Vistara if you stick to one airline.
Final Thoughts: Travel Smart, Earn Big
If you’re serious about travel in 2025, don’t just swipe your regular credit card. Whether you’re a business traveler, backpacker, or luxury seeker, the best credit cards for travel rewards in 2025 are designed to maximize your trips and minimize your costs.
From free tickets to hotel discounts and VIP lounges, there’s a card out there made just for you.
So, what kind of traveler are you—and which card will you choose?
Let me know if you’d like a customized recommendation based on your spending habits and travel preferences. I’d be happy to help!
