What are travel credit cards & 5 reasons to use them

84 / 100

Credit cards are a more easily accepted means of payment as compared to cash or debit cards abroad and with your travel credit card, not only will you have easier access to things but also earn reward points while spending on your travels.

Travel credit cards make your trips rewarding. Source: hindi.indianmoney.com

Credit cards that are made to make travelling all the more blissful with the help of exciting unmissable offers, benefitting rewards, and many more advantages are categorized as travel credit cards. These credit cards are designed to cater to all the travel-oriented expenses while providing you with rewards and offers that make your travel budget manageable.

As for people who are frequent travellers, travel credit cards are a blessing they cannot thank enough for. If you are a travel junkie, you can check out the travel credit cards by SC online, and compare the features and benefits.

Now there are a few different types of travel credit cards, the categorization is based on the areas of focus in which they provide the most rewards and offers.

Here are a few examples:

Regular travel credit cards:

These are general travel credit cards that provide you with great flexibility in earning and redeeming rewards and points. These travel credit cards provide easier access to things through an easy and hassle-free payment method. Cardholders can earn more rewards and claim offers by making simple purchases and dining etc. 

Airline credit cards:

Travel credit cards that provide you with umpteen airline-related offers and rewards are categorized as airline credit cards. This credit card is all the more benefitting if the traveller is loyal to a certain specific airline company/chain. In cases where the credit card reward points are linked and tied to the specific airline chain’s loyalty program, the cardholder can earn quite a lot of reward points that can be used and redeemed while purchasing tickets etc. These travel credit cards also give the cardholder to gain extra perks in means of free bag checks, early boarding on the flight, seat upgrade etc.

Hotel hospitality credit cards:

These travel credit cards associated with some of the best hotel chains offer a great number of reward points and offers when the cardholder makes a booking in the specific hotel. These travel credit cards allow the cardholders to enjoy some exclusive perks and benefits such as access to high profile special events, complimentary breakfast, room upgrades etc. 

Here are five reasons why it is better to use travel credit cards while travelling: 

Benefitting transactions:

Travel credit cards that provide rewards and benefits focused on airline purchases from a specific airline chain often offer these air miles on transactions. These air miles can be gained and redeemed in ways of a free flight ticket etc. 

Frequent travellers benefit the most from this travel credit card as flight tickets are not only expensive but more expenses are incurred until the final boarding such as bag checks, etc. And these credit cards offer air miles and many other rewards that can be redeemed and benefited from later on.  

Concierge services:

Most travel credit cards that are in tie-ups or are associated with certain specific hospitality chains offer a number of complimentary offers and services at select locations. One such complimentary service is providing concierge service to the travel credit cardholder. Concierge services are indeed very helpful, especially in new and unfamiliar locations. 

The service includes tasks like making reservations in fine dining outlets, booking tickets, recommending and making necessary arrangements of conveyance and transportation, booking and making reservations at spa outlets or salon etc.  

Travel-friendly discounts and offers:

Spending a certain specified amount using the travel credit cards are sure to bear generous rewards and offers. Credit cards that are associated with hospitality chains offer hefty discounts and vouchers that help manage your travel bills and budget. 

The travel credit card will offer you vouchers like hotel stay vouchers in some select luxury hospitality chains. Some cards also offer memberships that allow the travel credit cardholders to enjoy a specific minimum discount.

Flexible transactions and easy access:

In today’s digital world, most flight bookings, hotel reservations, and other travel-related bookings are done online and in advance, especially if the trip is overseas and abroad. Leaving for a trip with a trustee travel credit card will help you in more ways than you know. Knowing that the credit card is associated with some specific and highly reputed airline companies or hotel chains will assure you that there will be no need to make compromises or worry about lacking the quality of the services provided when you reach the destination.

Airport lounge visits:

Frequent travellers can also get the opportunity to access airport lounges in domestic and international locations. Most of the travel credit cards bear this complimentary offer and some even come with a membership offer that allows the cardholder to enjoy such visits.  

However, prospect cardholders must be careful and do proper research in the market before choosing a travel credit card. Prioritize your needs and assess your repayment capabilities before applying so as to prevent hampering your credit score.