How to pick the best travel credit card 2022

Frequency of travel

Consider the frequency of your travel, be it for pleasure or business, and look for a card that offers more airport lounge access options, domestic or international.
Tie-up cards for domestic travel

If you are travelling within the country, look for cards that tie up with domestic airlines like Air India, Vistara or IndiGo, so that you can avail of concierge services.
Partner cards vs Generic cards

If you are partial to a specific booking portal like Yatra or MakeMyTrip, opt for the cards that partner with these service providers.
International travel

If you travel abroad more frequently, look for cards that have Star Alliance partners and provide greater access to airport lounges in foreign cities.
Foreign currency mark-up fee

Another point to consider if you travel abroad frequently is the foreign currency mark-up fee, which is usually around 3.5% of the foreign currency transaction amount.
Reward points

Also important to consider is the number of reward points that accrue to you for your spends and if complimentary travel-related insurance is offered.
Read the fine print

Though some have higher annual fee, they offer more reward points, lounge visits per year, high insurance cover or lower foreign currency mark-up.
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