The eventful 2019 has ended and has given us a number of financial lessons. In the year 2020, these lessons would drive our finances and how we approach towards planning our expenses. There are a number of portals that will tell you about exotic destinations to choose for your vacations but no one will tell you how to plan for them smartly. In this article, we will discuss how to make your dream of unwinding at your favourite location come true using some of the best credit cards.
A number of credit cards offer huge discounts on booking flight tickets using the credit card in the form of cashback or discounts. Such cards allow users to redeem Air Miles earned on spending using the credit card into tickets making it almost free for them to travel.
| Joining Fee: Rs. 4,999 + GST Renewal Fee: Rs. 4,999 + GST 
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| Joining Fee: Rs. 3,000 + GST Renewal Fee: Rs. 3,000 + GST
Read Citi PremierMiles Credit Card Review |
| Joining Fee: Rs. 2,500 + GST Renewal Fee: Nil 
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Travel insurance plays a vital role in case of air travel especially when you are travelling overseas. There can be flight delays, cancellations, baggage misplacement or air accidents. Travel insurance cannot return you the lost luggage but it can cover for it.
| Joining Fee: Rs. 899 + GST Renewal Fee: Nil 
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 Joining Fee: Rs. 1,499 + GSTRenewal Fee: Rs. 1,499 + GST (Reversed on spending Rs. 3 Lakh)
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| Joining Fee: Rs. 5,000 + GST Renewal Fee: Rs. 5,000 + GST 
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Access to airport lounges ensures that you get to spend the time in transit during air travel with peace. Premium lounges offer refreshments, snacks, Wi-Fi, magazines, place to rest, etc. There are a number of credit cards that provide you access to it for free and if you plan to travel to a foreign destination, international lounge access will be a boon for you. Here are some of the best credit cards for airport lounge access.
| Joining Fee: Rs. 1,000 + GST Renewal Fee: Rs. 1,000 + GST (Reversed on spending Rs. 1 Lakh) 
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| Joining Fee: Rs. 6,000 + GST Renewal Fee: Rs. 3,500 + GST (Reversed on spending Rs. 6 Lakh) 
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| Joining Fee: Rs. 1,000 + GST Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 1 Lakh) 
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If you are looking forward to enhance your holiday experience with exclusive privileges, you can opt for credit cards that provide access to premium golf courses and other exclusive destinations at no extra cost. Some credit cards also offer huge discounts on dining at partner restaurants in India and abroad. You can select one such card if you are a foodie at heart.
| Joining Fee: Rs. 5,000 + GST Renewal Fee: Rs. 5,000 + GST (Waived off on spending Rs. 5 Lakh) 
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When you go on a vacation overseas, there can be a number of occasions where you might have to make purchases in foreign currency. Card providers charge a fee on foreign currency conversion. Lesser the fee, better would it be for you to shop internationally. Below-mentioned are some of the best credit cards with low foreign currency conversion fee:
| Joining Fee: Rs. 3,000 + GST Renewal Fee: Rs. 3,000 + GST 
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| Joining Fee: Nil Renewal Fee: Nil 
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| Joining Fee: Rs. 2,500 + GST Renewal Fee: Rs. 2,500 + GST (Waived off on spending Rs. 3 Lakh) 
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| Joining Fee: Rs. 4,999 + GST Renewal Fee: Rs. 4,999 + GST 
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Vacations to international destinations are incomplete without shopping. When you get huge deals and discounts on shopping, you can always purchase all those gifts and accessories for yourself and loved ones. Opt for any of the cards mentioned below that offer huge discounts on shopping if you are a shopaholic:
| Joining Fee: Rs. 3,000 + GST Renewal Fee: Rs. 3,000 + GST 
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| Joining Fee: Rs. 499 + GST Renewal Fee: Rs. 499 + GST 
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Concierge services allow you to book table for dining, cab, travel, stay, emergency services and more just with a phone call. These services can be availed 24/7. If your card offers international concierge services, just imagine how convenient can it be to enjoy your vacation without any worries. Enlisted below are some of the best credit cards for concierge services:
| Joining Fee: Rs. 1,000 + GST Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 1 Lakh) 
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| Joining Fee: Rs. 2,999 + GST Renewal Fee: Rs. 2,999 + GST 
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| Joining Fee: Rs. 1,000+ GST Renewal Fee: Rs. 1,000 + GST (Waived off on spending Rs. 30,000)
Read the Latest Citi Rewards Credit Card Review |
You can save a lot with an appropriate credit card when booking for vacations. It is always good to have a number of features in your credit card but paying for the facilities that you would rarely use is not advisable. All said and done, you should always select a card that meets most of your needs at the lowest annual fee possible.
