As you begin your most awaited travels this season, it is essential to equip yourself with the right tools to make the voyage smoother and more enjoyable. Among various essentials to carry, a credit card is an invaluable tool tailored to benefit the globetrotter in you. From backing you up financially for trip expenses to offering travel insurance, a suitable travel credit card can make your journey memorable with priority passes, airport lounge access, and various discounts and offers on trip booking. Explore the features of credit cards designed to cater to your needs as an avid traveller and know how to maximise your benefits using them.

How to Leverage Your Credit Card for Travel Benefits?

Before diving deeper, it’s essential to understand how to harness the maximum potential of credit cards for travellers. The first step is choosing a card that aligns with your travel habits and preferences. Look for cards especially crafted for frequent flyers, such as low foreign transaction fees, enticing travel rewards, and airport lounge access credit cards. 

For instance, IndusInd Bank Avios Visa Infinite Credit Card offers a priority pass programme for free airport lounge access at two domestic and two international lounges in a quarter, complimentary meet-and-greet services, and airport limo transfers for a luxury experience. In addition, you get air accident cover of up to ₹60,00,000 and travel booking discounts at leading airline portals, which makes it one of the best credit cards in India for travellers.

Exclusive Features that Credit Cards Offer to Travellers

1. Airport lounge access: A luxurious haven

Picture this: You, tired from a long flight, stepping into an oasis of tranquillity away from the hustle and bustle of the airport. Many travel-friendly credit cards like IndusInd Bank Legend Credit Card come with the perk of free lounge access. Indulge in comfortable seating, complimentary refreshments, and a peaceful ambience with a free lounge access credit card and enjoy a seamless travel experience.

2. Low foreign markup fees: Your global companion

A common inconvenience for travellers is the additional fees levied on foreign transactions. Opting for a credit card with low foreign transaction fees eradicates this concern. With IndusInd Bank Legend Credit Card, you can enjoy a discounted markup fee of just 1.8%. Using a low foreign transaction fee credit card, your spending remains seamless, and you can allocate your funds more efficiently without the worry of hidden charges cropping up every time you swipe your card abroad.

3. Priority pass: Elevate your travel experience

For those seeking a touch of exclusivity, priority pass credit cards with exclusive membership can be a game-changer. This pass opens the doors to a network of airport lounges worldwide. For instance, IndusInd Bank Avios Visa Infinite Credit Card provides complimentary access to international lounges eight times a year two per quarter, ensuring that no matter where your travels take you, comfort and convenience are at your fingertips.

4. Travel insurance: A safety net abroad

Unforeseen circumstances can disrupt even the most extensively planned journeys. Here, a travel-friendly credit card steps in as a reliable companion by providing comprehensive travel insurance coverage. 

5. Complimentary hotel stays: A touch of luxury

Travel perks credit cards also provide discounted bookings at premium hotels along with complimentary night stays. One of the best credit cards for travellers in this segment is the IndusInd Bank Legend Credit Card paid card which offers a free stay at your favourite Oberoi Hotel anywhere in the country

Why Choose an IndusInd Bank Credit Card for Your Next Trip?

IndusInd Bank credit cards seamlessly combine a variety of travel-centric features, ensuring that your travels are not just logistically sound but also delightful. IndusInd Bank’s credit cards offer complimentary airport lounge access, sparing you from the chaos of crowded terminals. With low foreign transaction fees, your international transactions remain transparent and cost-effective. The inclusion of a priority pass elevates your travel experience, granting you access to a network of premier lounges around the globe. Explore a range of travel-friendly credit cards offered by IndusInd Bank and choose the one most suitable for you. Apply today!

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Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. 

What is a credit card for you? Is it your go-to option for all payments, online and offline? A way to earn exciting rewards and travel benefits? The epitome of financial flexibility? For some individuals, a credit card plays an essential role in managing their day-to-day expenses, while for some, it is of great help when unplanned expenses crop up. While the way people use this financial tool may differ, the importance of credit cards remains unchanged. 

Having said that, let’s look into the non-negotiable benefits of using credit cards and understand how this tool is a necessity in modern life

So, what are the advantages of a credit card in day-to-day spending?

From financial flexibility and security to convenience, credit card uses and benefits are many. Let’s explore them in detail:

1. Widely accepted: Credit cards are accepted almost everywhere, both domestically and internationally. This universal acceptance is convenient for online shopping, dining out, and even travel. No more worry about currency exchange or searching for ATMs. Just swipe or use your credit card online and that’s it.
2. Build your credit history: Each time you use your card and pay the bill on time, it improves your credit score. A good credit score is paramount for future financial needs. For example, if you apply for a personal loan, lenders look at your credit history to decide your loan eligibility and interest rates. Regular use of your credit card and punctual repayment can help you avail loans with better terms.  
3. Access to travel benefits: For travellers, IndusInd Bank credit cards come packed with countless useful benefits. These include travel insurance, airport lounge access, concierge services, reward points, and discounts on hotels and flights. These perks make your journeys more enjoyable and budget friendly.
4. EMI options: Instead of paying a large amount at once for, say, a new mobile phone or AC, you can pay in small monthly instalments with your credit card. This way, you can buy what you need without instantly affecting your savings. 
5. Discounts and cashback: Credit cards offer various rewards for every rupee spent. These come in forms like cashback, points, etc. Rewards earned on each transaction can be redeemed for gifts, vouchers, or even air tickets.  
6. Use during emergencies: In situations where savings are not enough, a credit card is a lifesaver. Be it a medical emergency, urgent home renovation, or non-negotiable vehicle repair, your credit card gives immediate financial support. This way, you make sure that life’s unpredictable moments don’t turn into financial crises.
7. Interest-free period: One of the most significant benefits of having a credit card is its interest-free (grace) period. This is the time between making a purchase and the due date of your bill. If you pay the full amount before this date, you logically borrow money for free. 
8. Bill payments: Credit card uses in daily life are plentiful. You can use your card to pay for groceries, utility bills, rent, and even gas. This consolidates your expenses into one statement and makes it easier to track. The best part? You keep earning rewards and exclusive cashback with every transaction.
9. Purchase protection: One of the biggest advantages of using a credit card is purchase protection. IndusInd Bank offers this benefit, which covers you against fraud, like unauthorised transactions if your card is lost or stolen. Just report the issue on time and enjoy an easy claim process at no extra cost.
10. Insurance: Some credit cards may come with insurance coverage. Some of these include:

• Personal accident insurance
• Lost baggage insurance
• Air accident insurance
• Purchase protection insurance
• Loss of passport insurance
• Missed flight connection
• Lost card liability cover, etc

Credit card: More than just a spending tool

Now if someone asks you what are the benefits of a credit card or its importance, you surely have ten reasons to share. So, they are not just pieces of plastic, they are tools that help you with your daily finances. To explore the above-mentioned advantages, you can consider IndusInd Bank credit cards. Enjoy 100% digital process and extra value-added perks like lifetime-free credit cards, impeccable rewards, offers on brands, and fuel surcharge waivers.

Apply online today and enjoy unbeatable IndusInd Bank credit card benefits!

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.