Credit cards in India reward credit card holders on using their card for paying utility bills, booking travel tickets, and shopping online or at retail stores. The rewards that a credit card holder receives depend on the credit card issuer as well as the credit card itself. Some credit cards are better for use at the fuel stations while others may bring better rewards when used for paying your restaurant bills.
From shopping and travel to dining and bill payment, each credit card rewards the user differently. For travel enthusiasts, an air miles credit card is a far better option than a Lifestyle credit card. An air miles credit card will help a credit card holder earn miles that he or she can redeem for complimentary air travel, hotel stay, and car rentals in addition to other rewards. Frequent flyers can get the maximum benefit out of this card since the biggest rewards are reserved for people using the credit card to book air tickets in addition to other spends.
Various banks offer air miles credit cards in India and many of them provide them as co-branded cards by collaborating with airlines or travel booking sites. Some of the popular air miles credit card issuers in India are IndusInd Bank, State Bank of India (SBI), Citibank, HDFC Bank, Axis Bank, ICICI Bank, etc.
A few ways to find the best air miles credit card in India are briefly discussed here.
Privileges with the Credit Card: When you apply for a credit card, it is important to check the offers, deals, privileges, etc. that you can get from the credit card issuer. Many banks and financial institutions offer access to premium airport lounges, miles on the first spend, etc. when an individual applies for an air miles credit card. A lot of credit card issuers also give free vouchers of popular online retailers such as Amazon, Flipkart, etc. to the customers when they are issued a credit card.
Collaboration with Airlines/Travel Booking Sites: Many banks issue air miles credit cards in collaboration with an airline or travel booking site. Some of the popular airlines that have partnered with different banks for air miles credit cards are Jet Airways, British Airways, etc. And some of the popular travel booking sites that have collaborated with banks for air miles credit cards are MakeMyTrip, Yatra, etc. You can get more rewards, offers, and miles when you make your booking with the partner sites using your air miles credit card.
Rewards Programme: When you apply for a credit card, it makes sense to check the rewards programme and see how the bank grants miles to the customer. When you compare the credit cards of different banks, you can find the one that offers more miles per Rs. 100 spent as compared to other credit cards. You can also check if there are better rewards for international flight bookings as compared to domestic flight bookings.
Redemption Policy: All is well when you earn rewards on your credit card spends for usual transactions and flight booking. However, when it comes to redeeming the credit card rewards, it can become stressful if you do not look at the redemption policy of the credit card issuer. Banks allow customers to redeem their miles in different ways such as to book a flight ticket, hotel room or car rental. The customers are only allowed to redeem their accrued miles after they have reached a certain limit.
One of the best air miles credit cards in India is the WorldMiles IndusInd Bank credit card. The customer can accrue rewards in the form of FlightMiles for domestic or international flight booking, SpendMiles for shopping, dining, etc., and PartnerMiles for spends on the partner sites of the IndusInd Bank. Customers accrue miles when they book a flight in any sector in India using the IndusInd Bank credit card.
For international bookings, the globe is divided into different zones and the flights to these zones are assigned a specific number of air miles, also known as WorldMiles or FlightMiles. This IndusInd Bank credit card offers some of the best rewards and also has a great redemption policy making it a popular choice of frequent flyers.
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