Best Airline Miles Credit Card In India 2024

By providing a number of advantages including reward points, lounge access, and flight discounts, picking the best airline miles credit card in India can greatly improve your travel experience. These credit cards are designed for frequent travelers who want to take advantage of the best benefits and optimize their travel rewards.

Each choice offers special characteristics made to accommodate various travel requirements and tastes, ranging from the Axis Atlas Credit Card to the Axis Vistara Infinite Credit Card. You can obtain worthwhile points and take advantage of special benefits by choosing a card that corresponds with your travel preferences. This will enhance the pleasure and economy of your travels.

Top 10 Best Airline Miles Credit Cards in India

1. Axis Atlas Credit Card
2. American Express? Platinum Travel Credit Card
3. Club Vistara IDFC FIRST Credit Card
4. Air India SBI Signature Credit Card
5. InterMiles HDFC Bank Diners Club Credit Card
6. Standard Chartered EaseMyTrip Credit Card
7. Yatra SBI Card
8. MakeMyTrip ICICI Bank Signature Credit Card
9. IndusInd Bank Avios Visa Infinite Credit Card
10. Axis Vistara Infinite Credit Card

1. Axis Atlas Credit Card

The Axis Atlas Credit Card is ideal for frequent travelers seeking significant rewards. It offers 2.5X EDGE Miles on travel spends and provides up to 12 international lounge accesses annually. With a joining fee of ?5000 and an annual fee of ?5000, this card ensures excellent value for those who spend heavily on travel. You can earn 5 EDGE Miles per ?100 spent on travel up to ?2 lakh per month and redeem these miles through the Travel EDGE platform. Benefits also include up to 5,000 EDGE Miles as a milestone reward. While it has a 3.5% forex markup fee, the card’s comprehensive travel perks and high redemption value make it a top choice.

• Joining Fee: ?5,000
• Renewal Fee: ?5,000
• Best Suited For: Frequent travelers who want high rewards on travel spends
• Welcome Benefits: 2,500 bonus EDGE Miles on the first transaction within 37 days

2. American Express? Platinum Travel Credit Card

The American Express? Platinum Travel Credit Card offers a premium travel experience with a joining fee of ?3500 and an annual fee of ?5000. New members receive 10,000 bonus Membership Rewards Points, redeemable for a ?3,000 Flipkart voucher or travel rewards. Spend ?4 lakh annually to earn milestone rewards, including a ?10,000 Taj Stay voucher. The card provides 8 complimentary domestic lounge visits and a waived Priority Pass membership fee. Although it has a high forex markup fee of 3.5% and lacks international lounge access, its generous rewards and travel benefits make it a valuable option for frequent flyers.

• Joining Fee: ?3,500
• Renewal Fee: ?5,000
• Best Suited For: High spenders looking for travel vouchers and lounge access
• Welcome Benefits: 10,000 bonus Membership Rewards Points worth ?3,000

3. Club Vistara IDFC FIRST Credit Card

The Club Vistara IDFC FIRST Credit Card stands out with its attractive rewards structure and joining and annual fees of ?4999 each. Cardholders earn 6,000 CV Points after spending ?30,000 per month in the first 3 months. Enjoy up to 5 Premium Economy tickets as milestone benefits. The card provides 1 CV Point per ?200 spent on everyday purchases and 6 CV Points per ?200 spent on cumulative spends up to ?1 lakh per statement cycle. It also includes complimentary Club Vistara Silver Membership and domestic lounge access. The low forex markup fee of 2.99% enhances its value, making it a strong choice for Vistara travelers.

• Joining Fee: ?4,999
• Renewal Fee: ?4,999
• Best Suited For: Vistara travelers who want high rewards and complimentary tickets
• Welcome Benefits: 1 complimentary Premium Economy Ticket Voucher, 1 Class Upgrade Voucher, and Club Vistara Silver Membership

4. Air India SBI Signature Credit Card

The Air India SBI Signature Credit Card is perfect for Air India enthusiasts with a joining and annual fee of ?4999. It offers 20,000 reward points and a free Air India Frequent Flyer program membership as a welcome benefit. Earn up to 30 reward points per ?100 spent on Air India flights booked through their website or mobile app. The card also provides up to 1 lakh bonus reward points annually and 8 domestic lounge visits. While the 3.5% forex markup fee and lack of international lounge access may be drawbacks, the card excels for Air India bookings and domestic travel.

• Joining Fee: ?4,999
• Renewal Fee: ?4,999
• Best Suited For: Frequent Air India flyers seeking high reward points and bonus rewards
• Welcome Benefits: 20,000 reward points and complimentary Air India Frequent Flyer program membership

5. InterMiles HDFC Bank Diners Club Credit Card

The InterMiles HDFC Bank Diners Club Credit Card offers substantial rewards and travel benefits with a joining and annual fee of ?5000. Cardholders receive up to 25,000 InterMiles and a complimentary InterMiles Gold Membership as welcome benefits. Enjoy 2X InterMiles on travel spends and 8 InterMiles per ?150 on all other purchases. The card provides unlimited domestic lounge access and discounts on Etihad Airways bookings. Although the card’s focus on InterMiles may not suit all travelers, its comprehensive travel perks and high rewards earning rate make it a valuable option for frequent travelers.

• Joining Fee: ?5,000
• Renewal Fee: ?5,000
• Best Suited For: Frequent travelers who prefer InterMiles and high rewards
• Welcome Benefits: Complimentary InterMiles Gold Membership and up to 25,000 bonus InterMiles

6. Standard Chartered EaseMyTrip Credit Card

The Standard Chartered EaseMyTrip Credit Card is a budget-friendly travel card with a joining and annual fee of ?350. It offers up to 20% off on hotel bookings and 10% off on flight bookings via EaseMyTrip. Earn 10 reward points per ?100 spent on EaseMyTrip and 2 reward points per ?100 on other purchases. The card includes 1 complimentary domestic lounge visit per quarter and 2 international lounge visits annually. While it lacks some premium features of higher-end cards, it's low fee and solid travel discounts make it a practical choice for frequent travelers who use EaseMyTrip.

• Joining Fee: ?350
• Renewal Fee: ?350
• Best Suited For: Budget-conscious travelers seeking discounts on hotel and flight bookings
• Welcome Benefits: 20% discount on hotel bookings and 10% discount on flight bookings at EaseMyTrip

7. Yatra SBI Card

The Yatra SBI Card provides significant travel benefits with a joining and annual fee of ?499. Cardholders receive Yatra.com vouchers worth ?8,250 and up to ?4,000 off on flight bookings through Yatra.com. Enjoy accelerated reward points on both Yatra and everyday spends, making it versatile for both travel and regular purchases. The card also offers 5% back on Yatra.com spends and has a low annual fee. While it lacks some premium features of higher-tier cards, it's straightforward rewards and travel benefits make it a good option for budget-conscious travelers.

• Joining Fee: ?499
• Renewal Fee: ?499
• Best Suited For: Travelers who frequently use Yatra.com for bookings
• Welcome Benefits: Yatra.com vouchers worth ?8,250

8. MakeMyTrip ICICI Bank Signature Credit Card

The MakeMyTrip ICICI Bank Signature Credit Card, with a joining fee of ?2500 and no annual fee, is a solid choice for frequent travelers. It provides an MMT holiday voucher worth ?2,500 and up to 4 My Cash per ?200 spent on MakeMyTrip. Cardholders enjoy travel benefits and discounts on bookings through MakeMyTrip. Although it doesn’t offer as many features as some premium cards, its lack of an annual fee and valuable rewards on MMT makes it a great option for those who frequently book travel through this portal.

• Joining Fee: ?2,500
• Renewal Fee: ?0
• Best Suited For: Frequent users of MakeMyTrip seeking holiday vouchers and rewards
• Welcome Benefits: MMT holiday voucher worth ?2,500

9. IndusInd Bank Avios Visa Infinite Credit Card

The IndusInd Bank Avios Visa Infinite Credit Card, with a joining fee of ?40,000 and an annual fee of ?10,000, is tailored for high spenders. Earn 2X Avios on Qatar Airways and British Airways bookings, and receive up to 50,000 bonus Avios as a milestone benefit. The card offers premium travel perks, including access to exclusive lounges and travel upgrades. While its high fees might not suit everyone, the card’s substantial rewards and benefits for frequent flyers with specific airlines make it a premium choice for dedicated travelers.

• Joining Fee: ?40,000
• Renewal Fee: ?10,000
• Best Suited For: High spenders who frequently book with Qatar Airways or British Airways
• Welcome Benefits: 2X Avios on bookings at Qatar Airways & British Airways and up to 50,000 bonus Avios

10. Axis Vistara Infinite Credit Card

The Axis Vistara Infinite Credit Card offers luxury travel benefits with a joining and annual fee of ?10,000. Cardholders can earn up to 5 free Vistara Business Class tickets as welcome and milestone rewards. Enjoy exclusive Vistara benefits and travel perks with this high-tier card. Although it comes with a significant fee, the card's premium rewards and comprehensive travel benefits make it an excellent choice for frequent Vistara travelers who want to maximize their travel experience.

• Joining Fee: ?10,000
• Renewal Fee: ?10,000
• Best Suited For: Vistara travelers seeking high-value benefits and business-class tickets
• Welcome Benefits: Up to 5 free Vistara Business Class tickets

Annual Fee and Joining Fee of credit cards?

1. Axis Atlas Credit Card

• Joining Fee: ?5000
• Annual Fee: ?5000

2. American Express? Platinum Travel Credit Card

• Joining Fee: ?3500
• Annual Fee: ?5000

3. Club Vistara IDFC FIRST Credit Card

• Joining Fee: ?4999
• Annual Fee: ?4999

4. Air India SBI Signature Credit Card

• Joining Fee: ?4999
• Annual Fee: ?4999

5. InterMiles HDFC Bank Diners Club Credit Card

• Joining Fee: ?5000
• Annual Fee: ?5000

6. Standard Chartered EaseMyTrip Credit Card

• Joining Fee: ?350
• Annual Fee: ?350

7. Yatra SBI Card

• Joining Fee: ?499
• Annual Fee: ?499

8. MakeMyTrip ICICI Bank Signature Credit Card

• Joining Fee: ?2500
• Annual Fee: ?0

9. IndusInd Bank Avios Visa Infinite Credit Card

• Joining Fee: ?40000
• Annual Fee: ?10000

10. Axis Vistara Infinite Credit Card

• Joining Fee: ?10000
• Annual Fee: ?10000

How to Get Reward Points?

Using your credit card to accrue reward points might be a simple approach to get more features and advantages. Here's how to get the most out of your reward points:

• Use Your Credit Card for Everyday Transactions: Use your credit card for regular transactions to get points. The majority of cards give points for eating, grocery, and gas.
• Enroll in Bonus Offers: A lot of credit cards give bonus points for completing an enrollment process or hitting a spending cap within the first several months.
• Take Part in Promotional Events: Credit card issuers frequently run campaigns where you can get bonus points for making purchases in particular categories or during particular times.
• Make Use of Partner Merchants: Certain credit cards provide partnerships with particular retailers through which you may accrue extra points. For specifics, see the offers section on your card.
• Use for Large Purchases: Using your credit card for large purchases will help you accumulate a sizable number of points rapidly.

How to Use Points for Rewards

The process of using your reward points for redemption is simple:

• Access Your Account: Open the website or mobile app for your credit card.
• Go to the "Rewards" section. Locate the section for redeeming awards or points.
• Look Through the Available Choices: Look through the catalog to see what kinds of rewards are offered, such as products, gift cards, or vacation vouchers.
• Decide on Your Redemption Option: Select your desired redemption from your points, then follow the instructions to finish the process.
• Verify Your Salvation: Before completing the redemption, go over and make sure you chose correctly.

You can maximise your credit card perks by learning how to accrue and use reward points.

Eligibility Criteria for a Credit Card

In order to qualify for a credit card, you need to fulfill specific requirements:

• Age: To use most issuers, you must be at least eighteen years old.
• revenue: You must have a steady source of revenue. Issuers have different minimum income criteria.
• Credit Score: Your chances of being approved are increased by a high credit score. A credit check is required prior to applying.
• Employment Status: You ought to have a job or a reliable source of money.
• Residency: The nation in which you are applying must be your place of residence.
• Existing Debt: A few issuers take your current debt load into account. Sustain a sound debt-to-credit ratio.
• Prior Credit History: It is best to have a clean credit history free of defaults and late payments.

Required Documents for a Credit Card

The following paperwork is required when applying for a credit card:

• Identity Proof: Documentation from the government, such as a driver's license, passport, or Aadhar card.
• Address proof can be a recent utility bill, a lease, or a current bank account showing your address.
• Income Proof: Documents proving your earnings, such as income tax returns, salary slips, or pay stubs.
• Photos: You might need to provide recent passport-sized photos.
• A letter from your employer or an employment certificate serves as proof of employment.
• Credit Report: In order to assess your creditworthiness, some issuers might request a recent copy of your credit report.

To ensure a seamless application process, make sure all documentation is up-to-date and accurate.

How to File a Credit Card Application

It's easy to apply for a credit card online or in person. Here's a detailed how-to:

1. Select the Appropriate Card: Examine various credit cards and choose the one that best suits your requirements, taking into account features like travel bonuses, cash back, or rewards.
2. Go to the Issuer's Web Page: To obtain the application, visit the credit card issuer's branch or website.
3. Complete the application: Give all the information that is required, including your full name, address, phone number, income, and employment status.
4. Provide Identification Proof: Provide or upload documentation attesting to your name, residence, and source of income.
5. Examine and Send in: Verify all the information a second time for accuracy, then submit the application.
6. Await Approval: A credit check and application review will be conducted by the issuer. In a few days, you will receive a decision.
7. Take Your Card Out: Your credit card will be sent to you by mail if it is authorised. Follow the issuer's instructions to activate it.

Conclusion?

By offering outstanding rewards and features, choosing the finest airline miles credit card in India can completely change your travel experience. There is a card that will work for you, whether you want one with plenty of reward points, access to a private lounge, or big travel savings.?

You can select the credit card that best suits your spending patterns by carefully weighing the annual, joining, and benefit costs of each one. Choosing wisely guarantees that your travel expenditures will be more fulfilling and pleasurable, enabling you to get the most out of each journey.

FAQs

Q1. What is the main advantage of credit cards that accrue airline miles?

Ans: Credit cards with airline miles offer rewards points for transactions related to travel, which can be exchanged for tickets, hotel stays, or other travel benefits.

Q2. Do any credit cards come with no yearly fees?

Ans: Yes, there are credit cards that are more affordable than others. One such card is the MakeMyTrip ICICI Bank Signature Credit Card, which has no annual fees.

Q3. How do I use these cards to get the most out of my rewards?

Ans: To increase your reward points, use your credit card for both regular and travel-related purchases, take advantage of special offers, and shop at partner merchants.