Best Travel Credit Card 2024 - Eligibility, Benefits & Steps to Apply

A Travel Credit Card can be a game-changer if you travel frequently. It enhances your travel experiences by providing special deals. A Travel Credit Card provides several benefits like air miles, access to airport lounges, travel insurance and reduced rates on travel-related expenses. Using a Travel Credit Card for purchases will also help you earn reward points. A Travel Credit Card can simplify your travels by providing ease, financial savings and exclusive travel experiences. 

Travel Credit Card fees & charges

Certain fees associated with the ICICI Bank Travel Credit Cards may differ according to the details of the specific Card. There are charges such as annual fee, joining fee and more. Some of the Card fees and charges for ICICI Bank Travel Credit Cards have been mentioned below:

Travel Credit Card: Benefits & Features

At ICICI Bank, we believe in promoting the best travel options that everyone can rely on. Travel Credit Cards offer a variety of features and benefits usually meant for travel enthusiasts and adventure lovers who use such Credit Cards. Here are some of the key features and advantages one can expect from these cards:

1. Reward Points/Miles

Earn a MakeMyTrip holiday voucher up to Rs 3,000 as a joining benefit and enjoy Rs 500 MyCash to kick-start your journey. Collect benefits up to Rs 20,000 with Travel Credit Cards. Get up to 2.5 Skywards Miles per Rs 100 spent and earn 40,000 reward points when using the card for travel bookings.

2. Flight ticket benefit

This benefit provides 2,500 InterMiles and exclusive flight and hotel discount vouchers as a joining bonus. Enjoy an exclusive Etihad flight offer with up to 7.5 InterMiles and 5% discount on base fare for Economy Class bookings. Earn up to 3 MyCash per Rs 200 spent on various transactions including higher earnings on MakeMyTrip bookings.

Metro ticket benefit: You can get up to 20% discount while using these Travel Credit Cards for metro bookings.

3. Lounge access benefits

Gain access to domestic and international lounges for a seamless travel experience. Also, access the railway lounge facility to enhance your journey.

4. Fuel purchase benefits

Enjoy 2.5% cashback on every fuel purchase. Additionally, a fuel surcharge waiver of 1% is offered on transactions up to Rs 4,000 at HPCL pumps with ICICI Bank Travel Credit Cards.

5. Membership benefit

Get enrolled in the MakeMyTrip loyalty programme to enjoy extended benefits. You can also relish up to 10,000 Skywards miles and Emirates Skywards Silver Tier membership. Moreover, you will receive a complimentary Priority Pass Membership for international lounge accesses. Avail Emirates Skywards Gold Tier membership with a total annual spend of Rs 15 lakh with a minimum of Rs 10,000 spent on Emirates.

6. Hotel booking benefits

Earn more MyCash on hotel/holiday bookings through MakeMyTrip.

7. Insurance benefits

Get an accidental air death cover worth Rs 1 crore, receive emergency overseas hospitalisation coverage of up to Rs 15 lakh and get credit liability coverage up to Rs 9 lakh.

8. Additional benefits

Gain exclusive access to Auto Expos and test drive experiences. Enjoy a complimentary car wash with Travel Credit Cards and get 24x7 roadside assistance in times of emergency.

Travel Credit Card Eligibility Criteria 

Specific eligibility criteria for customers to qualify for a Travel Credit Card are mentioned below:

Age:

The applicant’s age should be between 21 and 65 years. However, it may differ from bank to bank.

Income:

Most Travel Credit Cards from ICICI Bank have a certain minimum annual income depending on the specific Card option. For instance, it may require a larger income to use a premier Travel Credit Card in comparison to a general one.

Credit score:

 To be eligible, one needs to have a good credit record and credit rating. Usually it should be in the ‘good’ or ‘excellent' score line.

Travel Credit Card Document Required

The following documents are required to apply for a Travel Credit Card with ICICI Bank: 

Identity proof

Valid documents that are commonly acceptable include a valid passport, Aadhaar Card, PAN Card and driving licence.

Address proof

Documents like utility bills, signed rental agreements or the latest bank account statement with the address.

Income Proof

Proofs of income may include salary slip, income tax return and even a business financial statement among others.

Duly filled application form

Fill in the application form provided by ICICI Bank and ensure that correct details are entered in each field.

Bank statements

You might need to submit recent bank statements while applying for the Card.

It is worth mentioning here that these criteria, in terms of document submissions, may vary depending on the particular Travel Credit Card being applied for.

Steps to Apply for Travel Credit Cards

Here are the steps to apply for a Travel Credit Card:

1. Verify your eligibility

Ensure that you meet the age, income, employment status and credit score criteria required to apply for a Travel Credit Card.

2. Select your card

Choose a Travel Credit Card that best suits your needs both financially and in terms of travel. Every card has unique benefits and features.

3. Submit an online application

Go to the Credit Card page on the Bank’s website or log in to the iMobile Pay app and choose your card. Click on ‘Apply Now’ or ‘Get Started’ to submit your financial and personal information.

4. Upload the documents

Upload the necessary documents, including passport-size photographs, proof of identity, proof of address and proof of income.

5. Evaluation

The Bank will examine your application. Make sure you have provided the correct information for your application to be accepted. 

6. Acceptance and approval

The Bank will confirm once your application is accepted after verification.

7. Delivery of the card

The card will be sent to your registered address. On receiving the card you are required to activate it. 

ICICI Bank even provides Credit Cards for international travel. They are quite beneficial for people planning to go on international trips. It will make the journey smooth and easy giving you all the more reason to opt for ICICI Bank Travel Credit Card.