5 Steps to Take while Picking the Best Airline Credit Card in India

The airline market of India has been booming in recent years. Individuals tend to prefer airlines as their mode of travel for personal as well as business trips. Nevertheless, there can be times when you may lack the appropriate fund for your travel and require the benefits of air miles credit cards instead.

A credit card can be a traveller’s most useful financial tool. You can enjoy attractive offers and discounts on international purchases, hotel stays and flight bookings using such credit cards. Earning frequent flyer miles and access on getting personal loans are a few of the must know credit card benefits for every traveller.

However, if you want to enjoy all the benefits a credit card can offer, consider the below-mentioned points before you choose the best credit card for you.

• Annual fees-

All credit cards including air miles credit card come with pre-specified or nil annual fees. Lesser or no annual fees will restrict your credit card from accumulating higher dues, and thus your vacation will not be substantial on your pocket.

Also, people who travel a lot can consider choosing a card with lower annual fees rather than no fees. Cards with charges tend to provide higher reward points that can be redeemed at your next purchase. Thus, inquire about the annual fees and other applicable charges and use your card accordingly. Consider the number of times you will use the card before you make a choice.

• Reward points- 

If you know how to use a credit card wisely, you will always make proper use of reward points. Reward points can be beneficial especially for users who are frequent travellers. You can earn reward points for every transaction you make.

You can redeem these reward points to avail offers and discounts on your flight bookings and other purchases. There are credit cards which offer a minimum spendable amount before you can unlock these reward points. Thus, inquire your lender about such limits before you choose the best travel card for you.

• Preferred airlines-

Before you select your credit card, analyse your preferred airlines. Consider your most common destinations along with the carrier which provides the best set of services in line. Once you are sure about the airlines you want to fly with, choose the card that offers reward points and other benefits with it. Note that most credit cards offer benefits only on partnered airlines.

• Foreign transaction fee-

Make sure that your air miles credit card has no transaction fee applicable. Having a foreign transaction fee will only add up more dues. Also, inquire about any offers provided on priority booking, baggage and much more.

• Online access-

Choose an air miles credit card that will provide you with online account access so that you can manage your account from anywhere any time. Also, online account access will help in tracking your monetary transactions. However, make sure that you check on the security and safety of your online account and transaction.

The Bajaj Finserv RBL Bank SuperCard is one such card that provides online account access with robust security. This card also offers other benefits such as ATM Cash withdrawal at 0% interest, emergency personal loan at 0% interest, instant approval with minimal documentation.

Bajaj Finserv has also introduced pre-approved offers on credit cards to make the application process easy. This pre-approved offer is also available on both secured loans like home loans and unsecured loans like personal loans. You can check your pre-approved offer by providing minimal details like your name and your phone number.

While choosing the best credit card for you, make sure you analyse your available fund and plan your bill payment before making a transaction. Try to always pay your outstanding amounts within the grace period to avoid interest and late payment charges. 

Also, always try to use below 40% of your credit card limit. Maintaining 40% credit utilisation will ensure a better credit score, which is one of the vital eligibility criteria to avail credit cards and loans. Also, make sure that you comply with the terms and conditions of your card to earn the best benefits from the issuer.

To apply, download the credit card app now.