I frequently travel for work and leisure and want a credit card that offers free airport lounge access , air miles , and discounts on flights and hotels. My salary is ₹60,000 per month. Would premium cards like HDFC Regalia, Axis Vistara, or SBI Elite be worth it? Are there better travel-focused cards with lower income requirements?
HDFC Regalia-
Rewards-
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You will get 12 complimentary airport lounge accesses within India and 6 abroad.
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10,000 Reward Points on achieving spends of ₹5 lakhs in an anniversary year. Plus, get an extra 5,000 Reward Points when your spending hits ₹8 lakhs.
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You will earn 4 Reward Points on every ₹150 spent on all retail transactions.
Charges-
- Joining/renewal fee of Rs. 2,500 plus applicable taxes.
HDFC Bank
Axis Vistara-
Rewards-
Earn 2 Club Vistara (CV) Points for every Rs.200 that you spend.
Get a complimentary economy class flight ticket as a welcome gift.
On every Wednesday you will get discount upto 15% on booking of flights and hotels via Goibibo and MMT
You will get 3 economy class tickets vouchers on achieving the milestone achieved.(1 ticket on spend of Rs. 1,25,00; 2 tickets on Rs. 2,50,000; 3 tickets on Rs. 6,00,000)
Charges-
Axis Vistara joining fees is Rs. 1,500
Axis Vistara annual fees is Rs. 1,500
Finance Charges- 3.75%
For more info visit Apply for Axis Vistara Credit Card Online in India | Axis Bank
SBI Elite-
Rewards-
Earn 2 Reward Points for every ₹100 spent on international transactions.
Enjoy 6 complimentary international airport lounge visits per calendar year (maximum of 2 visits per quarter), along with 2 complimentary domestic airport lounge visits every quarter at airports across India.
Fees-
Joining Fees is Rs. 4,999+ taxes
For more information you should visit SBI Elite Credit Card - Benefits & Features - Apply Now | SBI Card
So for you I think Axis Visatara will be more suitable because of its rewards like free economy tickets on milestones achieved, 2 reward points for every Rs. 200 spent, Discounts on flight bookings and hotel bookings via Goibibo and MMT.