Travelling in summer is a pleasant experience. It’s time to embark on adventures, unwind, and create lasting memories. There are many ways to do this as well. You could be off to a European city, exploring Asian beaches, or perhaps planning a long road trip with your family. Whatever you choose to do, though, one thing is certain. International travel can be expensive, and unexpected expenses can often pile up on a budget that you thought was already sealed and finalised.
Here is where credit cards come into the scene. With the right credit card in your wallet, you can save money, earn rewards, and some credit cards can even provide benefits like international travel insurance and senior citizen travel insurance.
Why is Choosing the Right Credit Card for Summer Travel Important?
A travel credit card is much more than just a medium of payment. It also comes with a long list of rewards, discounts, and insurance benefits. These features can significantly elevate your travel experience.
For Indian travellers, such features are particularly beneficial, as they can pay for medical bills, trip cancellations, and lost baggage. Additionally, some cards cater to specific needs, such as senior citizen travel insurance, which can provide the necessary protection for elderly travellers.
Read on to understand why it is important to choose the correct card:
- They can help you with cost savings.
Earn rewards points, cash back, or miles on expenses related to travel, including flights, hotels, and meals. - They make you eligible for travel insurance.
Guard against unexpected occurrences, including medical emergencies or delayed trips. - They make travelling convenient.
Avoid foreign transaction fees and enjoy perks like airport lounge access. - You can enjoy specialised coverage.
Certain cards provide customised cover for seniors or frequent overseas travellers.
5 Credit Cards You Should Be Taking on Summer Travels to Maximise Savings
Based on their travel benefits, rewards, and insurance offerings, here are five different types of credit cards that Indian travellers should consider for summer 2025.
- Choose a Card That Offers Rewards for Travelling
Travel can be expensive. A little planning can save you thousands of rupees. If you’re set to travel, consider getting a credit card that rewards you for doing so. Try picking a card that rewards you with additional points or miles when you reserve flights, hotels, or even cabs.
The points may be redeemed later for savings, upgrades, or free travel. It’s the perfect way to get your money to work for you while you pursue your passion: travelling. Ensure that the reward program is compatible with your travel type. - Choose a Hotel Credit Card That Offers Extra Perks
A co-branded hotel credit card can provide luxury for your vacation without any extra charges. Such credit cards typically come with complimentary room upgrades, early check-in, late check-out, and even complimentary nights.
They may also have loyalty points that can accumulate to a free stay in the future. If you plan to stay with a single hotel chain, this type of card may offer great value and convenience during your summer vacation. - Choose a Card That Offers Travel Insurance
Unexpected incidents can happen at any time. These can be troublesome, particularly when you’re far away from home. Having a credit card that offers travel insurance is a good idea. It covers trip cancellations, lost luggage, flight delays, and even emergency medical care. Not only does it save you from heavy out-of-pocket expenses, but it also provides reassurance.
Pro Tip: Before you travel, check what your card covers; you might not be protected as much as you think. It is always better to choose a dedicated travel insurance plan that offers better and wider coverage. Read this blog to understand the difference between travel insurance and credit card coverage. - Choose a Card with Airport Lounge Access
Waiting at airports can be exhausting, particularly on long trips. A credit card that offers complimentary airport lounge entry can transform the wait into a more leisurely experience. Enjoy complimentary food and beverages, Wi-Fi, and comfortable seating as you wait for your flight. Some cards even provide entry into international lounges, so they’re an excellent companion for international travellers. It’s a little luxury that can go a long way. - Choose a Card with Primary Auto Rental Insurance
Going to rent a car on your vacation? Consider a credit card that includes primary auto rental insurance. That’s because, in the event of an accident or loss, the card’s coverage takes effect first, ahead of your individual policy, and saves you money and trouble. It’s particularly helpful for foreign travel, where rental car coverage can be expensive.
Pro Tip: Just be sure to book the car using that card and decline the rental agency’s insurance.
Tips for Maximising Credit Card Benefits During Summer Travel
To make the most of these credit cards, follow these strategies:
- Analyse Your Travel Needs
Select a card that aligns with your destination, travel frequency, and specific requirements, such as senior citizen travel insurance for older family members. - Understand the Coverage You’ll be Getting
Read the fine print. You need to know what’s covered and what’s not covered in your policy. This is particularly essential in cases of medical emergencies or pre-existing conditions. - Use for Trip Expenses
Make the most of the rewards by using the card for flights, hotels, dining, and international purchases. - Avoid Foreign Transaction Fees
Opt for cards with low or no fees to save on international transactions. - Leverage Lounge Access
Use complimentary lounge visits to enhance comfort during layovers. - Pay Your Dues in Full
Avoid interest charges by paying off your card balance monthly to maximise savings.
Things To Keep In Mind When Using Your Credit Card
While a credit card can be a smart way to manage your travel expenses, there are a few basics that you need to be careful about. Make sure to avoid the following mistakes:
- Some cards exclude pre-existing conditions or high-risk activities. Make sure to check coverage details carefully so that you do not miss any policy exclusions.
- Overlooking the fee structure can be a costly mistake. Ensure the card’s benefits justify the fee, or meet spending thresholds to waive it.
- It may be possible that your credit card offers travel insurance, it is essential to opt for a separate travel insurance plan as well. Ensure you are well aware of what is covered under your insurance plan.
- Do not miss reward opportunities. Use the card for eligible spending to maximise points or miles.
Conclusion
Choosing the right credit card for summer travel can transform your experience, offering savings, rewards, and peace of mind through international travel insurance and senior citizen travel insurance. There are many cards that stand out for their travel perks, insurance coverage, and rewards programs. By selecting a card that matches your travel style and using it strategically, you can maximise savings and enjoy a stress-free summer adventure. Before you pack your bags, compare these cards, understand their benefits, and travel with confidence.
Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.
Angela Spearman is a journalist at EzineMark who enjoys writing about the latest trending technology and business news.
