Travelling with a Credit Card? Important Tips To know

  • Published on: 30 Nov 2023
Travelling with a Credit Card? Important Tips To know

Travelling with a credit card can be a great move as it allows you to pay safely and enjoy a range of cost-saving benefits. These include racking up rewards points on all transactions, redeeming them for flight tickets and hotel bookings, enjoying discounts at dining/retail partners and more. 

By using your credit card efficiently and optimally, you can make the most of these benefits and perks. So, read on to learn what is a travel card, tips on how to use it while travelling, and more. 

What are travel Credit Cards and how do they work? 

Travel credit cards have specific benefits for people who travel frequently. These cards allow you to earn rewards, which you can redeem for a variety of products and services and enjoy exclusive discounts on travel-related expenses too.

For instance, you can redeem points as air miles to book flight tickets. Furthermore, you can enjoy discounts on hotel stays, cab bookings and more. In addition to that, travelling with a credit card enables you to enjoy the following benefits: 

  • Makes every transaction rewarding with accelerated reward points 
  • Helps you enjoy exclusive benefits when you stay or fly with partners 
  • Keeps the forex costs low with lower forex fees
  • Ensures added security with complimentary or affordable travel insurance plans
  • Lowers risk of theft by eliminating the need to carry substantial cash while travelling 

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Tips on how to travel with Credit Card

Travel credit cards offer umpteen benefits but you cannot enjoy them to the fullest if you don’t know how to use the card. So, remember these tips when you plan on travelling with a credit card:

  • Inform the issuer about your travel, especially when going abroad, to avoid fraud alerts or payments being declined
  • Check your travel benefits and how to redeem them beforehand
  • Keep a tab on your spending as you will need to repay your bill in the next cycle
  • Evaluate partner benefits and make necessary arrangements to redeem them
  • Get the required insurance to keep yourself and your finances protected
  • Use RFID wallets to add another layer of security
  • Monitor your ATM transactions to keep the associated costs manageable
  • Research which cards are widely accepted to ensure seamless access to funds

How to choose the right Credit Card for travelling? 

When selecting a travel credit card, you must compare the top options based on your travel needs and finances. Here are some points to remember when selecting a credit card for travelling:

  • Choose a credit card that offers maximum reward points for international transactions, if flying overseas 
  • Opt for a card that offers maximum number of complementary visits to domestic and international lounges 
  • Select a card that offers travel insurance 
  • Consider a co-branded travel card for specific partner benefits 
  • Look out for sign-up and welcome bonuses
  • Compare the annual fees, interest rates, ATM fees and other charges 
  • Check your eligibility before applying 

Keeping these tips in mind, you can easily get the best credit card for travelling and enjoy your trips. Ensure that you use the right security measures while travelling with a credit card. 

One way to do that is by choosing secure credit cards like the Fibe Axis Bank Credit Card. This is India’s first numberless credit card, which helps keep your card details safe and is linked to your UPI ID. You can also earn up to 3% cashback on your transactions. 

This credit card also comes with four complementary visits to domestic airport lounges in a year, enabling you to travel comfortably. Download the Fibe App or register on our website to apply for it now! 

FAQs on Travelling on Credit Card

Is it good to use a credit card when travelling?

Yes, most issuers offer exclusive rewards and benefits to travel credit cardholders. It can also be safer than using cash, as you can block your card in case of loss or theft. 

Who can get a travel credit card?

Here are a few general eligibility criteria for travel credit cards:

  • You must be an Indian citizen
  • You must be between 21 and 65 years
  • You must be salaried employee with minimum in-hand salary of ₹15,000 in non-metro cities and ₹18,000 in metro cities
  • You must have a good credit score 

Can you use a credit card to pay for travel expenses?

Yes, you can pay for all your travel-related expenses, such as:

  • Booking flight tickets
  • Booking your stay 
  • Dining
  • Entertainment

Can I book flight tickets with a credit card?

Absolutely! You can use a credit card for flight bookings. You can also use your air miles to get discounts. 

Which is better, a travel credit card or debit card?

A credit card gives you better financial freedom than a debit card. This is because your credit card has a pre-determined limit, which isn’t linked to your bank account, like a debit card. Moreover, if you’re making payments abroad, a credit card becomes a better option as it has a low forex mark-up fee.


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