How to Pick the Best Travel Credit Card

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When it comes to Travel credit cards, we look for free coupons and cashback to lessen the travel costs as far as possible. You can enhance your travel experience with a few travel credit cards. If you select and utilize the right credit card while traveling, you can get free flights, lounge access, hotels, etc. 

You would be astonished to know that you can use your rewards points to convert to travel benefits with some of the cards, though not necessarily travel credit rewards cards.

When you consider adding the best credit cards for foreign travel to your wallet, the number of options available is awesome. It is hard-hitting to select the right card. 

Below are some main features to be kept in mind while comparing different travel rewards cards;

Establish Your Travel Goals: 

It is vital to decide what you are looking at when comparing different travel credit cards. Before looking into the best credit card for foreign travel, decide if you require fixed value points or transferable points. For example, you may either be saving money by collecting enough airline miles to fly your family to Europe or maybe looking to book a week-long stay on the beach resort. Establish your travel goals at an early stage, as Credit card rewards can bring in more value than cashback cards if used tactfully.

Be frank about Your Spending Habits: 

As with any travel credit card, you want to get the one where the top rewards-earning most closely matches your regular spending habits.

For example, if you do not dine out frequently, you are not going to optimize the complete benefit of a travel rewards card that provides top benefits at restaurants. An airline rewards card is not a suitable choice for you if you normally travel by road and do not take cross-country flights, 

Consider Your Credit Score: 

If you maintain an excellent credit score and have made less than 5 best credit cards for foreign travel applications in the last 2 years, there is a good likelihood that your travel card application will get approved smoothly. However, if your credit score is below average, you may find it difficult to get the application.

Interest Rates: 

If you pay off your charges in full every month, the interest rates are of little concern, as interest charges are levied only on balances carried beyond the monthly due date.  

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Don’t Fear Because of the Annual Fee:

The annual fee of a credit card is not a fundamental factor. There is no point in obtaining a free credit card if does not offer rewards at all. It may be good to know that some of the finest hotels best credit cards for foreign travel charge a higher annual fee. The most important point here is that you collect enough rewards and benefits from the credit card that would offset the annual fee.

Sign-up Bonuses: 

When selecting the right travel credit card, do not forget about the bonus miles that you get during signing up, though these offers may vary from time to time. At times, online booking for the best credit card for foreign travel can fetch you higher bonuses than personal sign-ups. Read the fine print and then sign up on the travel credit card application.

Check the Extra Perks and Features: 

Many travel best credit cards for foreign travel offer customers hidden advantages such as lost luggage insurance, trip cancellation/interruption insurance or car rental insurance. Some card companies even reimburse you the travel expenses or provide statement credit to cover Global Entry or Transportation Security Administration (TSA) Pre-application fees. In addition, several credit card companies reward you with complimentary airport lounges access or checked bags on flights. 

  • Air India SBI Platinum Card

On Air India SBI Platinum Card, you get 26,000 Air India Miles on spending 3 Lakhs on Air India SBI Platinum Credit Card. The points earned on this best credit card for foreign travel can be redeemed on domestic flights.

  • Axis Bank Titanium Smart Traveler Credit Card

Axis Titanium Smart Traveler Credit Card takes care of all your traveling needs without any hassle since it comes with extra travel benefits. It is one of the best credit cards for frequent travellers for it comes with extra benefits. You are allowed to convert all your purchases above Rs. 2500 into EMI.

  • Bajaj Finserv RBL Bank World Plus SuperCard

The Bajaj Finserv RBL Bank World Plus SuperCard is one of the best credit cards for foreign travel. This is the card for the top-notch, providing access to attractive annual savings and rewards. This credit card offers complimentary airport lounge access; the most liked 10x rewards on international spending, fuel surcharge waivers, and Rs. 55,000 rewards on annual milestone spend, and much more. With this exclusive credit card, you can make interest-free cash withdrawals at ATMs and convert your purchases into easy EMIs.

  • Yatra SBI Credit Card

A Yatra SBI Cardholder is the best credit card for foreign travel, as it allows an air accident cover of Rs. 50,00,000 by the New India Assurance Co.Ltd. In the event of accidental death arising out of schedule Airlines etc., under the policy, the claim would be applicable only if the ticket is purchased using the Yatra SBI Credit Card. In the event of accidental death, the claim would be payable if reported to the insurance company within 90 days from the date of accidental death. 

  1. Bajaj Finserv RBL Bank SuperCard

The Bajaj Finserv RBL Bank Credit Card (Super Card) is fully loaded with marvelous features that take care of your regular credit needs and help you during emergencies. The SuperCard stands out from other credit cards available in the market with pioneering and industry-first features.

You can avail of a personal loan against your available cash limit at a nominal interest rate for 90 days. You can make purchases and convert your expenses into EMIs. This four in one SuperCard is the best credit card in the market.

Conclusion

Travel best credit card for foreign travel is of immense help in meeting your holiday goals. You can save enough money on airfare and hotel costs. Whether you are a beginner ready to compensate for the cost of your first trip abroad or a road hitter looking to upscale your travel experiences, there is always a travel credit card waiting out there for you.

Selecting the best travel credit card is not that easy. By deciding your travel requirements, you can solve this predicament of choosing a card that goes well with your credit score and many other factors.

So consider these facts while choosing your best credit card for foreign travel. Settle on the best features that are important to you and sign for the card that meets those desires.

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