If you are a frequent flyer, whether it is for business or pleasure, then travel benefits and lounge access can be quite useful. Luckily, there are financial tools that offer these benefits. There are many credit cards offered by numerous banks that allow you to avail these benefits.
RuPay Credit Cards are a popular choice for travellers because they combine travel benefits, rewarding offers and UPI payment convenience. These cards have several benefits like lounge access, low forex charges, discounts on flight and hotel bookings, as well as attractive loyalty programmes.
So, it makes sense to choose the best RuPay credit card available on the market right now.
Why choose a RuPay credit card for travel?
A RuPay credit card is a standard credit card offered by the National Payments Corporation of India (NPCI). The name RuPay is a portmanteau of Rupee and Payment, written as RuPay. This type of credit card has been accepted by most of the prominent banks, like IDFC FIRST Bank.
Here are some of the travel benefits you should look for when choosing a RuPay credit card.
Key travel benefits to look for
Aspect | Benefits |
Complimentary airport lounge access | RuPay credit cards like the IDFC FIRST Bank’s FIRST Private credit card offer unlimited domestic and international lounge visits, plus 4 complimentary guest visits per year to domestic lounges. |
Travel offers and discounts | There are other types of cards, like the IDFC FIRST Bank Mayura credit card. It offers zero forex charges, which can help you save on your foreign trips. |
Reward points on travel spending | Cards such as the IDFC FIRST Bank Ashva Credit Card and Diamond Reserve Credit Card offer accelerated reward points on eligible flight and hotel bookings, helping you earn more on your travel spends. |
UPI convenience | The best RuPay credit cards also have Unified Payments Interface (UPI) convenience. This means you can easily make UPI payments using these cards. |
What makes the best RuPay credit card?
Now that you are aware of the benefits that these cards can offer, it is time to choose the best card. What actually constitutes the best RuPay card for travel? Here are some of the standard features and benefits to look out for.
Airport and railway lounge access benefits
Reward points on travel and everyday spending
Travel-related merchant offers
Forex markup charges for international spending
Annual fees and other applicable charges
UPI compatibility and digital payment features
Comparing these features can help you identify the card that offers the best overall value.
Tips for maximising travel benefits
You may plan on choosing one of the best RuPay Credit Cards, such as the IDFC FIRST Bank Ashva Credit Card, IDFC FIRST Bank Mayura Credit Card, or the IndiGo IDFC FIRST Dual Credit Card.
Use your VIP lounge access only when you have unbearably long layovers
Monitor your quarterly or annual visit limits and plan your travel accordingly
Don’t delay availing of limited-period offers on spending milestones
Wait to accumulate sufficient reward points and only then redeem them for travelling
Keep an eye on regular promotional offers for frequent flyers
Most importantly, responsible card usage can help maximise both travel benefits and long-term value.
Conclusion
A RuPay credit card can make your travel experience more rewarding by combining travel privileges with UPI payment convenience. Before applying, compare features like lounge access, reward points, forex charges, and travel benefits to find the credit card that best suits your travel frequency and spending habits. IDFC FIRST Bank offers a range of RuPay credit cards for different lifestyles, but it is recommended to review the terms, eligibility criteria, and usage conditions to make an informed choice.
FAQs
1. What are the travel benefits of a RuPay credit card?
Depending on the card, benefits may include lounge access, reward points, travel offers, and low forex charges.
2. Do all RuPay credit cards offer airport lounge access?
No. Lounge access depends on the card variant and the issuer's terms and conditions.
3. Can I use a RuPay credit card for UPI payments?
Yes, eligible RuPay credit cards can be linked to supported UPI apps for merchant payments.
4. How do I choose the best RuPay credit card?
Compare travel benefits, rewards, fees, lounge access, and spending requirements before applying.
5. Do all RuPay Credit Cards offer the same travel benefits?
Yes. Benefits such as lounge access and rewards may depend on spending conditions and the specific card variant.