Journey bank cards supply numerous advantages tailor-made to the varied wants of frequent travellers.
These bank cards sometimes supply worth again by rewards or miles, which will be redeemed for journey bookings. Nevertheless, sure bank cards stand out by providing wonderful worth for home journey, with advantages like accelerated rewards, complimentary lounge entry, reductions on journey bookings, and way more. Most journey bank cards are supplied in collaboration with airways or journey portals like IndiGo, MakeMyTrip, and so forth. Moreover, there are all-round journey bank cards accessible available in the market that supply advantages throughout all journey bills. You possibly can select the best bank card based mostly in your spending sample and model preferences to save lots of on journey prices. Right here, we now have listed a number of the greatest bank cards for home journey.
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Greatest Credit score Playing cards for Home Journey in India 2025
Here’s a record of the highest bank cards for home journey. This record has been created by contemplating each co-branded and all-rounder journey bank cards. Nevertheless, precedence has been given to journey bank cards providing larger advantages throughout all journey spends, permitting you to save lots of extra in your journey bills.
Axis Atlas Credit score Card

Becoming a member of charge: ₹5000
Annual/Renewal Charge: ₹5000
2.5X EDGE Miles on Journey spends
As much as 12 worldwide lounge entry yearly
Product Particulars
- 2,500 bonus EDGE Miles as welcome profit
- As much as 5 EDGE Miles per Rs. 100 spent on journey
- Redeem EDGE Miles at worth of 1 EDGE Mile = 2 Accomplice Factors
- Milestone advantages of as much as 5,000 EDGE Miles
- As much as 18 complimentary home lounge visits in a yr
Axis Financial institution Horizon Credit score Card

Becoming a member of charge: ₹3000
Annual/Renewal Charge: ₹3000
As much as 32 visits to home and eight to worldwide airport lounges yearly
As much as 5 EDGE Miles per Rs. 100 spent; 1 EDGE Mile = 1 Accomplice Level
Product Particulars
- 5 EDGE Miles on each Rs. 100 spent on Axis Financial institution Journey EDGE portal and direct airline web sites/counters
- 2 EDGE Miles on each Rs. 100 spent on different classes
- 25% off, as much as Rs. 800 per 30 days, on eating by way of EazyDiner, on minimal order of Rs. 2,500
- 5,000 EDGE Miles on the primary card spend of min. Rs. 1,000 made inside 30 days of card issuance
- 1,500 EDGE Miles as card renewal bonus
6E Rewards XL Indigo HDFC Credit score Card

Becoming a member of charge: ₹1500
Annual/Renewal Charge: ₹1500
Welcome advantages from Accor Resorts & free Indigo 6E Prime Add-on
5% value-back as rewards on IndiGo web site and cell app
Product Particulars
- 5% 6E Rewards per Rs. 100 spent on IndiGo web site or cell app
- 3% 6E Rewards per Rs. 100 spent on eating, grocery, and leisure spends
- 2% 6E Rewards per Rs. 100 for all different retail spends
- 1 complimentary 6E Prime Add-On and Accor Lodge keep voucher as welcome profit
- 8 complimentary home lounge visits in a yr
American Specific® Platinum Journey Credit score Card

Becoming a member of charge: ₹5000
Annual/Renewal Charge: ₹5000
10,000 Rewards Factors on spending Rs. 15,000 within the first 90 days
25,000 bonus Rewards Factors price Rs. 7,500 on spending Rs. 4 Lakh in a yr
Product Particulars
- 1 Membership Rewards Level for each Rs. 50 spent
- 8 complimentary home lounge visits per yr
- 15,000 Membership Rewards Factors price Rs. 4,500 & bonus 3,400 common Membership Rewards Factors price Rs. 1,020 on annual spends of Rs. 1.90 lakh
- 25,000 Membership Rewards Factors price Rs. 7,500, bonus 3,600 common Membership Rewards Factors price Rs. 1,080 & Taj Keep voucher price Rs. 10,000 on annual spends of Rs. 4 lakh
MakeMyTrip ICICI Financial institution Credit score Card

Becoming a member of charge: ₹999
Annual/Renewal Charge: ₹999
As much as 6% financial savings on MakeMyTrip spends
Rs. 1,000 MMT voucher yearly
Product Particulars
- 6% myCash (12 myCash per Rs. 200) on MakeMyTrip resort bookings
- 3% myCash (6 myCash per Rs. 200) on flights, vacation packages, cabs & bus bookings by way of MakeMyTrip
- 25 myCash on MMT prepare bookings; 1 myCash = Rs. 1
- 1% myCash on different spends; Low foreign exchange mark-up charge of 0.99%
- Purchase 1, get 25% off as much as Rs. 150 on the 2nd BookMyShow ticket, as soon as a month
AU Ixigo Credit score Card

Becoming a member of charge: ₹999
Annual/Renewal Charge: ₹999
10% low cost on journey bookings at Ixigo
4X reward factors on prepare bookings by way of Ixigo
Product Particulars
- 10% low cost on bus bookings, max. Rs. 300 as soon as per 30 days by way of Ixigo
- 10% low cost on flight bookings, as much as Rs. 1,000 as soon as per 30 days by way of Ixigo
- 10% off on resort bookings, as much as Rs. 1,000 as soon as per 30 days by way of Ixigo
- 1% gas surcharge waiver on transactions between Rs. 400 to Rs. 5,000 throughout all gas stations in India
Commonplace Chartered EaseMyTrip Credit score Card

Becoming a member of charge: ₹350
Annual/Renewal Charge: ₹350
20% low cost on home & worldwide resort bookings by way of EaseMyTrip
10% low cost on home & worldwide flight bookings by way of EaseMyTrip
Product Particulars
- Save as much as Rs. 5,000 on home resort bookings and Rs. 10,000 on worldwide resort bookings by way of EaseMyTrip
- Save as much as Rs. 1,000 on home flight bookings and Rs. 5,000 on worldwide flight bookings by way of EaseMyTrip
- Flat Rs. 125 off on bus ticket bookings by way of EaseMyTrip
- 10 reward factors per Rs. 100 spent at standalone airline/resort web sites, cell apps or shops
- 1 complimentary home lounge go to per quarter & 2 complimentary worldwide lounge visits per yr
Federal Financial institution Scapia Credit score Card

Becoming a member of charge: ₹0
Annual/Renewal Charge: ₹0
As much as 20% Scapia cash in your spends
Zero foreign exchange mark-up charge with limitless entry to home airport lounges
Product Particulars
- Zero foreign exchange mark-up charge
- Limitless home airport lounge entry on spending min. Rs. 5,000 each month
- 10% Scapia cash on on-line & offline purchases, the place 5 Scapia cash = Rs. 1
- 20% Scapia cash on journey bookings made on Scapia app
- Lifetime free bank card
IRCTC SBI Card Premier

Becoming a member of charge: ₹1499
Annual/Renewal Charge: ₹1499
10% valueback on AC1, 2 & 3, ECC & CC bookings by way of IRCTC
Rewards redeemable on IRCTC in 1:1 ratio
Product Particulars
- 2,500 and 5,000 reward factors on Rs. 50,000 and Rs. 1 lakh annual journey spends respectively
- Rs. 10 lakh rail accident insurance coverage, Rs. 50 lakh air accident cowl & Rs. 1 lakh fraud legal responsibility cowl
- Save 1% transaction expenses on IRCTC railway tickets & 1.8% transaction expenses on IRCTC airline tickets
- 8 complimentary visits to railway lounge in a yr (Max. 2 per quarter)
- 3 reward factors per Rs. 125 spent on eating & utilities & 1 reward level per non-fuel retail spends
HDFC Regalia Gold Credit score Card

Becoming a member of charge: ₹2500
Annual/Renewal Charge: ₹2500
5X reward factors on Nykaa, Myntra, Marks & Spencer and Reliance Digital
4 reward factors per Rs. 150 throughout all retail spends
Product Particulars
- Complimentary Swiggy One & MMT Black Elite Memberships
- Present voucher price Rs. 2,500 on the cost of becoming a member of charge
- 6 complimentary worldwide lounge visits & 12 complimentary home airport lounge visits per yr
- Marks & Spencer, Reliance Digital, Myntra or Marriott vouchers price Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
- Flight vouchers price Rs. 5,000 on annual spends of Rs. 5 Lakh
High Credit score Playing cards for Home Journey 2025
A few of the greatest bank cards that can assist you to save in your home journey are talked about beneath:
1. Axis Atlas Credit score Card
Becoming a member of Charge: Rs. 5,000
Annual Charge: Rs. 5,000
Key Options & Advantages:
- 2,500 bonus EDGE Miles on making the primary transaction inside 37 days of card setup
- 5 EDGE Miles per Rs. 100 spent on month-to-month journey spends of as much as Rs. 2 Lakh
- 2 EDGE Miles per Rs. 100 spent on month-to-month journey spends above Rs. 2 Lakh
- Redeem EDGE Miles towards accomplice air miles and resort loyalty factors at a 1:2 ratio
- As much as 12 complimentary worldwide lounge visits in a yr*
- As much as 18 complimentary home lounge visits in a yr*
- 2 EDGE Miles per Rs. 100 spent throughout all different classes
- As much as 5,000 EDGE Miles as milestone profit*
*Topic to annual spends.
Axis Atlas Credit score Card gives worth again within the type of EDGE Miles, which will be redeemed throughout 20+ journey companions. Cardholders can earn as much as 5% worth again on journey spends and a pair of% worth again on different classes. This bank card gives one of many highest redemption ratios of 1:2 towards accomplice air miles and resort loyalty factors, making it a well-suited possibility for frequent travellers seeking to save on journey bills. Moreover, the cardboard gives the next frequency of complimentary home and worldwide lounge visits. Nevertheless, these advantages are supplied on a tier-based construction. So, maximizing your spends on the cardboard might help you improve to the very best tier, which comes with larger advantages. Total, Axis Atlas Credit score Card is a good match for frequent travellers who should not inclined to a selected model however wish to avail all-round journey advantages.
2. Axis Financial institution Horizon Credit score Card
Becoming a member of Charge: Rs. 3,000
Annual Charge: Rs. 3,000
Key Options & Advantages:
- 5,000 EDGE Miles as becoming a member of and 1,500 EDGE Miles as renewal advantages
- 5 EDGE Miles per Rs. 100 spent on Journey EDGE portal and at direct airline web sites/counters
- 2 EDGE Miles per Rs. 100 spent on different classes
- Redeem EDGE Miles towards accomplice air miles or resort loyalty factors at a worth of 1 EDGE Mile = 1 Accomplice Level
- As much as 8 complimentary worldwide airport lounge visits yearly
- As much as 32 home lounge visits for Visa cardholders and as much as 24 home lounge visits for Mastercard customers in a yr
Axis Financial institution Horizon Credit score Card gives 5% worth again on journey bookings and a pair of% on different spends within the type of EDGE Miles. Cardholders can redeem accrued EDGE Miles towards accomplice airways and resort loyalty factors at a 1:1 ratio. Whereas this bank card gives an identical worth again to Axis Atlas Credit score Card—as much as 5% on journey spends—Horizon Credit score Card limits the 5% worth again to bookings by the Journey EDGE platform and standalone airline web sites. Moreover, Axis Horizon Credit score Card gives the next frequency of complimentary home airport lounge visits in comparison with different bank cards in an identical annual charge vary. Total, it gives respectable worth again for frequent travellers by EDGE Miles and complimentary lounge entry.
3. 6E Rewards XL IndiGo HDFC Financial institution Credit score Card
Becoming a member of Charge: Rs. 1,500
Annual Charge: Rs. 1,500
Key Options & Advantages:
- Complimentary 6E Prime Add-on for providers like precedence verify in, selection of seat, complimentary meal, and so forth.
- Complimentary IndiGo air ticket price Rs. 3,000 on making 3 or extra transactions in every of the primary three months after card setup
- 5% 6E rewards per Rs. 100 spent on IndiGo web site or cell app
- 8 complimentary home lounge visits yearly
- Low foreign exchange markup charge of two.5%
- 3% 6E rewards per Rs. 100 spent on eating, grocery, and leisure spends
- 2% 6E rewards per Rs. 100 for all different retail spends
6E Rewards XL IndiGo HDFC Financial institution Credit score Card primarily gives worth by its rewards program. Just like the Kotak IndiGo XL Card, it gives advantages corresponding to accelerated reward factors on IndiGo spends, home lounge entry, and a complimentary IndiGo ticket as a welcome profit. With an annual charge of Rs. 1,500, this card gives as much as 5% worth again on IndiGo spends, making it an honest selection for frequent travellers. Past IndiGo spends, cardholders may earn accelerated (3%) worth again on on a regular basis classes like eating, groceries, and leisure, making it appropriate for day-to-day spends as properly. This bank card is designed to cater to the wants of frequent travellers, with advantages like home lounge entry, a free air ticket, complimentary add-ons, and accelerated rewards on journey bookings.
4. American Specific® Platinum Journey Credit score Card
Becoming a member of Charge: Rs. 5,000
Annual Charge: Rs. 5,000
Key Options & Advantages:
- As much as 25,000 bonus Membership Rewards® Factors redeemable towards journey spends on spending Rs. 4 Lakh in a yr
- Taj Keep voucher price Rs. 10,000 from Taj, SeleQtions and Vivanta Resorts on annual spends of Rs. 4 Lakh
- 8 complimentary home lounge visits yearly, max. 2 per quarter
- Complimentary Precedence Cross membership price $99
- 1 Membership Rewards® Level for each Rs. 50 spent
- 10,000 bonus Membership Rewards® Factors on spending Rs. 15,000 inside 90 days of card membership
- As much as 20% off on eating at choose accomplice eating places
Not like most travel-focused bank cards, American Specific® Platinum Journey Credit score Card stands out for its milestone advantages, providing bonus reward factors on reaching annual spends of Rs. 1.9 Lakh and Rs. 4 Lakh, together with a Taj voucher price Rs. 10,000. Along with these advantages, cardholders earn Membership Rewards® Factors on all card spends, which will be redeemed for journey bookings, together with flights, inns, and automobile leases, or Flipkart buying vouchers. American Specific® Platinum Journey Credit score Card is an honest possibility for frequent travellers who’re additionally excessive spenders. You possibly can maximize its advantages by reaching the annual spending milestone of Rs. 4 Lakh. Nevertheless, if you happen to often journey internationally, you may think about different bank cards with higher worldwide journey advantages.
5. MakeMyTrip ICICI Financial institution Credit score Card
Becoming a member of Charge: Rs. 999
Annual Charge: Rs. 999
Key Options & Advantages
- MMT voucher price Rs. 1,000 & MMTBLACK Gold Membership as welcome & renewal advantages
- MMT voucher price Rs. 1,000 legitimate for 3 months, on the cost of annual charge
- Limitless 6% MyCash on resort bookings by way of MakeMyTrip
- Limitless 3% MyCash on flights, vacation packages, cabs & bus bookings by way of MakeMyTrip
- 25 myCash on prepare bookings by way of MakeMyTrip
- 1% myCash on all different spends
- 8 complimentary home airport lounge visits yearly
- 1 complimentary worldwide airport lounge go to in a yr
- Low foreign exchange markup charge of 0.99%
MakeMyTrip ICICI Financial institution Credit score Card is a substitute for the earlier two MMT ICICI co-branded playing cards: MMT ICICI Platinum and MMT ICICI Signature. This card gives as much as 6% worth again within the type of MyCash on bookings made by MakeMyTrip, together with further journey advantages corresponding to complimentary home and worldwide lounge entry and a low foreign exchange markup charge of 0.99%. Not like the sooner playing cards, which didn’t supply accelerated advantages on prepare bookings, this card gives 25 MyCash on each prepare reserving by way of MMT. At an annual charge of Rs. 999, this bank card gives respectable worth again, particularly for MakeMyTrip loyalists, making it a wonderful selection for frequent travellers.
6. Ixigo AU Credit score Card
Becoming a member of Charge: Nil
Annual Charge: Nil
Key Options & Advantages
- 20 reward factors for each Rs. 200 spent on prepare bookings with Ixigo
- 10% off on bus bookings, as much as Rs. 300 per 30 days
- 10% low cost on flight bookings, as much as Rs. 1,000, as soon as per 30 days
- 10% off on resort bookings, as much as Rs. 1,000 as soon as per 30 days
- 1 complimentary worldwide lounge entry yearly
- 16 complimentary home airport lounge visits yearly
- 16 complimentary home railway lounge entry yearly
- Zero foreign exchange markup charge
- Bonus 1,000 reward factors & Ixigo cash vouchers price Rs. 1,000 as welcome advantages
- 10 reward factors for each Rs. 200 spent on on-line purchases
- 5 reward factors for each Rs. 200 spent offline
Not like most co-branded journey bank cards, Ixigo AU Credit score Card stands out by providing accelerated advantages on bus and prepare bookings. With this card, you may earn 4X rewards on railway bookings and save as much as Rs. 300 per 30 days on bus rides, making it superb for home travellers preferring buses and trains over air journey. At an annual charge of Rs. 999, the cardboard gives 1,000 bonus reward factors and an Ixigo voucher as activation advantages. Moreover, it gives as much as 16 complimentary railway and airport lounge visits per yr. The low cost advantages on Ixigo will be availed each month, making it an acceptable selection for each frequent and occasional travellers. In case you are an Ixigo loyalist and like railways over airways, this bank card stands out with its accelerated rewards on railway bookings and respectable railway lounge entry advantages.
7. Commonplace Chartered EaseMyTrip Credit score Card
Becoming a member of Charge: Rs. 350
Annual Charge: Rs. 350
Key Options & Advantages:
- 20% prompt low cost on home and worldwide resort bookings
- 10% prompt low cost on home and worldwide flight bookings
- Flat Rs. 125 off on bus ticket bookings
- 10 reward factors on each Rs. 100 spent at standalone airline/resort web sites, cell functions or shops, besides any journey aggregators
- 2 complimentary home lounge visits yearly
- 2 reward factors per Rs. 100 on all different retail spends
Commonplace Chartered EaseMyTrip Credit score Card is a low annual charge bank card designed to supply accelerated advantages on bookings made by EaseMyTrip. It’s superb for customers seeking to earn prompt reductions on journey bookings. With this card, it can save you as much as 20% on flight and resort bookings whereas additionally incomes rewards in your journey bills. What units this card aside is its larger worth again in comparison with comparable choices, with no minimal transaction restrict to avail these advantages. Nevertheless, it’s vital to notice that many of the advantages are restricted to transactions on EaseMyTrip. Due to this fact, if you happen to choose reserving by EaseMyTrip over different journey platforms, then Commonplace Chartered EaseMyTrip Credit score Card will be a great selection to scale back your journey bills.
8. Scapia Federal Financial institution Credit score Card
Becoming a member of Charge: Nil
Annual Charge: Nil
Key Options & Advantages:
- 20% Scapia Cash on journey bookings by the Scapia app
- Zero foreign exchange markup charge
- Limitless home airport lounge entry on spending a minimum of Rs. 10,000 per 30 days
- 10% Scapia Cash on all on-line in addition to offline spends
Scapia Federal Financial institution Credit score Card is a co-branded bank card providing accelerated advantages on journey bookings by the Scapia app. Cardholders can earn as much as 20% Scapia Cash on their spends and redeem them for flights, inns, or bus bookings by way of the Scapia app. You possibly can e book flight tickets throughout all world airways and select from over 5 lakh inns, resorts, & homestays worldwide utilizing the accrued Scapia Cash and save considerably on journey bills. Moreover, as a lifetime free bank card, advantages corresponding to limitless home lounge entry and nil foreign exchange markup charge improve the general worth of this card. The place most journey bank cards include excessive annual charges, Scapia Credit score Card stands out as a robust challenger, with zero becoming a member of & annual charges and substantial travel-centric advantages.
9. IRCTC SBI Card Premier
Becoming a member of Charge: Rs. 1,499
Annual Charge: Rs. 1,499
Key Options & Advantages
- 10% worth again on AC1, AC2, AC3, AC CC ticket purchases by way of IRCTC
- 5% worth again on air ticket & e-catering purchases on IRCTC
- Save 1% transaction expenses on railway ticket bookings by www.irctc.co.in
- Save 1.8% transaction expenses on airline ticket bookings by air.irctc.co.in
- 8 complimentary railway lounge entry yearly
- As much as 5,000 reward factors on annual journey spends of Rs. 1 Lakh
- 1,500 reward factors price Rs. 1,500 on the cost of first annual charge
- 3 reward factors per Rs. 125 spent on eating and standing directions on utility
- 1 reward level per Rs. 125 spent on different retail purchases
IRCTC SBI Card Premier is a co-branded bank card designed for frequent travellers preferring to journey by prepare. The cardboard gives as much as 10% worth again on IRCTC prepare ticket bookings. In addition to this, you can even save as much as 5% on air tickets and e-catering spends by IRCTC. With an annual charge of Rs. 1,499, the cardboard gives respectable journey advantages for home travellers, together with complimentary railway lounge entry, transaction cost waivers on railway & airline ticket bookings, and accelerated worth again on IRCTC spends. Total, this is a perfect bank card for individuals who often journey by prepare, because it gives accelerated worth again on IRCTC bookings. Nevertheless, if you’re in search of a decrease annual charge card, you may think about one other variant – IRCTC SBI Platinum Card.
10. HDFC Regalia Gold Credit score Card
Becoming a member of Charge: Rs. 2,500
Annual Charge: Rs. 2,500
Key Options & Advantages
- Complimentary Swiggy One & MMT Black Elite memberships
- 12 complimentary home lounge visits in a yr
- Complimentary Precedence Cross Membership on finishing 4 retail transactions on the cardboard
- As much as 6 complimentary worldwide lounge visits per calendar yr
- Flight vouchers price Rs. 5,000 on spending Rs. 5 Lakh in a yr
- Extra Rs. 5,000 flight voucher on annual spends of Rs. 7.5 Lakh
- Present voucher price Rs. 2,500 on the cost of becoming a member of charge
- 4 reward factors per Rs. 150 spent throughout all classes
- 20 reward factors per Rs. 150 spent at Nykaa, Myntra, Marks & Spencer and Reliance Digital
HDFC Regalia Gold Credit score Card is among the greatest choices for people who often journey inside India. This card gives complimentary memberships, flight vouchers, lounge entry, and extra, serving to you save considerably on journey bills. In case your purpose is to earn journey advantages alongside respectable rewards in different classes, HDFC Regalia Gold Credit score Card is the best selection. This bank card is greatest suited to excessive spenders who put many of the journey bills on their bank cards. This fashion, you can also make essentially the most out of the rewards program by redeeming earned reward factors for journey bookings or Air Miles. Moreover, you can even earn flight vouchers price Rs. 10,000 on annual spends of Rs. 7.5 Lakh, which additional enhances the general worth for frequent travellers.