Using a travel credit card to accrue reward points, lounge access, travel miles, and other perks must be commonplace if you travel frequently and visit exotic locations in India and beyond. In most cases, it is also advantageous to have multiple travel credit cards. You must, however, utilize these credit cards to their fullest potential. One should take heed of the seven important elements listed below in order to achieve it.
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Travel credit cards: Seven key points to remember
1. Key features to evaluate:
Certain travel cards offer benefits that make up for their hefty yearly fees. For instance, complimentary hotel stays, travel insurance, or lounge access. When traveling abroad, one should also choose a credit card that has no foreign transaction fees.
Initially, cardholders ought to seek out cards that provide more points and miles for travel-related expenses like lodging, meals, and flights. For the best deal, one should also see if the card allows transfer points to hotel or airline loyalty programs. Additionally, some cards offer sizable benefits for reaching a minimum expenditure within a predetermined time frame.
2. Key benefits:
One should use points and miles for free or discounted flights or upgrades. Some of the key benefits include free or discounted stays with facilities such as free breakfast, lounge access and other priority services such as early check-ins, boarding, or fast-track immigration.
3. Best practices:
Spending should be concentrated on areas that yield greater returns, such as dining and vacation. In order to avoid interest costs, which might reduce the value of rewards, one should refrain from carrying balances. Additionally, since the value of points and miles might differ depending on the travel partner and the manner of redemption, it is best to use them intelligently.
In order to prevent losing points and miles, experts also urge cardholders to monitor their expiration dates. Additionally, one could take advantage of recurring sales or cashback offers on airline partners, hotel chains, and travel portals.
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4. Considerations before choosing a card:
Before choosing a card, there are a few things to think about, like your preferred airlines and hotels, as well as your travel preferences, whether domestic or foreign. Additionally, you want to review the cost and weigh it against the advantages it provides. You should determine whether the benefits and advantages exceed the yearly costs. Additionally, make sure that your score entitles you to premium travel cards.
5. Some pitfalls to stay away from:
It is vital to note that you spend what you can repay, even while chasing a welcome bonus. You should also be mindful of foreign transaction fees, late payment fees, or cash withdrawal penalties.
You should redeem points wisely to maximise their value (such as international flights usually offer better redemption rates).
6. Access to lounge:
Some premium cards often include priority pass memberships or complimentary airport lounge access.
7. Redemption flexibility:
You should ensure that your credit card enables you to redeem rewards for flights, hotels, upgrades, and other travel expenses.
Additionally, some cards also offer complimentary travel insurance which covers trip cancellations, delays, or lost luggage.
