November 21, 2024
Can Yoga Help You Lose Weight?by admin / September 14, 2021Are Travel Credit Cards Worth It?
How do Travel Credit Cards Work?
Travel credit cards are said to be one of the best options to earn redeemable reward points or miles towards travel. Be it an airline credit card that gets you miles or a hotel credit card whose earned points can be redeemed for hotel stays or a general travel credit card whose points you can cash in or transfer to hotels and airlines, a travel credit card is indeed a very useful tool that lets you utilize the most of your everyday spending.
However, most travel credit cards may include high annual fees with complicated terms and conditions. At times, all these can even make you think if getting a travel credit card is actually worth the effort. It is considered to be worth it when you can earn points or miles that can be redeemed for travel or other benefits.
Here are some of the key points to keep in mind when you think about getting the best travel credit card in India.
Best Travel Credit Card India 2021
1. American Express Platinum Travel Credit Card
This card is suitable for those looking for travel benefits and earns reward points that can be redeemed for travel vouchers. This card is considered to be a decent option if you are a high spender who is looking for travel promotions & perks. You can redeem the points earned by choosing the desired item from the catalog; it gives a free hand to cardholders on how they wish to use their earned points. But yes, the joining annual fee can be a little high.
2. Citi Premier Credit Card
This travel credit card well suits frequent travelers who would prefer availing of air mile benefits. The highlight of this card is that you can redeem the miles earned across several airlines. Also, your earned air miles will never expire so you can earn miles and redeem them whenever you want. And as a welcome benefit, you also get 10,000 miles upfront.
However, this card may not be the right choice if you are planning to save on your international expenses because the foreign exchange mark-up is considerably high and this card does not offer international airport lounge access.
3. Air India SBI Signature Credit Card
For Air India Loyalists, this card is considered to be the best travel credit card in India. If you happen to spend more on your credit card, this card can be pocket-friendly as the basic reward rate is said to be 4%. For every point, you earn an equal number of Air India Miles.
Another highlight of the reward point is that it need not be redeemed only for air miles but can also avail services that are off the rewards catalog. However, all the advantages are related only to Air India.
4. Axis Bank Vistara Signature Credit Card
If you are a frequent traveler and mostly prefer Vistara airlines then this card will be apt for you. You get up to 2% Club Vistara Points which you can redeem for free flights and flight upgrades. The milestone benefits of this card are excellent so the more you spend the more travel benefits you will get.
In a year, you can avail up to four premium economic tickets by reaching milestones. You can also enjoy travel insurance protection, Club Vistara Silver membership, & discounted golf access.
5. SBI Card ELITE
SBI Card ELITE is called an all-rounder card as it carries the benefits of travel, movies, and shopping. This card offers Complimentary Silver Membership to Club Vistara which enables you to avail flight upgrades and other benefits with Vistara Airlines. You also get hotel benefits but are limited to Trident hotels only.
This card has a good reward rate with additional rewards on categories like groceries, dining, and departmental stores. This card will be the right choice if you are looking for benefits in other categories also.
6. HDFC Regalia Credit Card
It is one of the best premium credit cards in India. It suits heavy spenders who travel often. If you are a frequent traveler, you get six International lounge visits & 12 domestic lounge visits per year. Also, this card charges only a 2% foreign exchange mark-up fee. On reaching spending milestones, you get generous bonus rewards. This card will best suit your needs if you are a frequent traveler and a frequent shopper.
Another best international Travel Credit Cards India are
- YES FIRST Preferred Credit Card
- IndusInd Bank Platinum Aura Credit Card
- Standard Chartered Emirates World Credit Card
- MakeMyTrip ICICI Bank Platinum Credit Card, etc
FAQs
1. Should you use credit cards while traveling?
Using a credit card while traveling helps you gain more rewards which you can redeem for travel or other benefits. Also, you can avoid the hassle of handling cash.
2. Does it make sense to have multiple travel credit cards?
Using multiple travel credit cards enables you to enjoy multiple benefits & reward points. So yes, you can use it!
Please follow and like us:
Related Posts
Is Travel Insurance Worth It?
Travel Insurance
Despite a smart plan, traveling may turn out to be expensive. And it is the travel insurance that can protect your travel investment if anything unexpected occurs. But the question is, ‘Is travel insurance worth it?’ or ‘Should I get trip insurance for flight?’ Well, the answer depends on various factors like if your trip is refundable, health coverage is provided and how much coverage you will be getting from your credit card, where you are going, etc. In this article, we will discuss whether availing of travel insurance will be right for you!
What Does Travel Insurance Cover?
Travel insurance covers travel-related risks like flight cancellation, medical emergencies, lost bags, etc. The coverage amount depends on the policy that you choose and when & where you bought the same. Your travel insurance provider will give a myriad of options to choose from a variety of policies with lower or higher levels of coverage and lower to higher prices according to your preference.
You can opt for policies that will simply cover a single trip or even multiple trips. You can choose to buy an individual policy that will cover your entire family.
What Is Not Covered In Travel Insurance?
It varies from policy and policy and also depends on your provider. Pre-existing medical conditions are excluded from your travel insurance coverage. So any claim related to that particular condition will not be considered. But some policies even cover your pre-existing medical conditions provided you meet certain criteria.
If you are planning to engage in dangerous activities or mountain climbing, your policy will not cover if something goes wrong. Other incidents not covered may include the act of terrorism, war, use of alcohol that can lead to injuries that will be considered as ‘self-inflicted’, or usage of drugs that are considered illegal.
And if you want to entirely cover your trip cancellation then you have to choose a policy with a Cancel For Any Reason (CFAR) as an add-on. This does what the name implies and you can simply cancel the entire trip if you want to. You might get back around 75% of paid ahead of time non-refundable outing costs and the circumstance or rate might shift from one arrangement to another.
Is Travel Insurance worth It – COVID-19 Related Claims
In most cases, travel insurance does not cover COVID-related claims. However, some insurers are trying to make exceptions and bring them into effect in their insurance policies. So in such kinds of policies, medical expenses due to corona for existing policyholders on a trip will be covered.
Also, they will additionally cover any interruption or trip cancellation if the policyholder becomes sick due to COVID during or before a trip. But if you have not purchased travel insurance, then this may not be applicable in the policy that you will be availing of now.
When Can You Prefer Travel Insurance?
Availing of travel insurance will be worth it in two situations: to protect your health & protect your trip. Travel insurance will be a good idea if you have prepaid a trip and will not be able to cancel without a penalty. The policy will cover your reservations if your trip is canceled for a covered reason.
Read Here: How To Get A Universal Travel Pass?
Is Travel Insurance Worth It For Domestic Flights?
Insurance is equally important even while traveling on domestic flights. It not only covers you but also your belongings. Whether it is a domestic or international flight, unpredictable events or situations tend to happen. So having travel insurance for your domestic flight will give you the comfort of dealing with emergencies hassle-free.
Is Travel Health Insurance Worth It?
Travel medical insurance covers medical expenses during a trip. While traveling, if you have any injury, unexpected illness, or any medical condition, it will be covered by your travel medical insurance. It will enable you to reimburse up to the plan limits.
Read Here: Can Traveling Make You Sick?
FAQs
Is it worth getting annual travel insurance?
If you usually travel a lot throughout the year then it is worth it to get annual travel insurance.
Is it a good idea to take out travel insurance in case you need it?
Yes, taking travel insurance is a good idea if you are traveling so that it covers your travel expenses, your health & your belongings against any unexpected risk.
Is travel insurance a must?
Yes, travel insurance is mandatory if you are traveling abroad.
Please follow and like us:
The Secrets of Space: Fascinating and Unknown Facts
Space has always been a source of wonder and mystery. Despite our technological advancements and countless space missions, the universe still holds secrets that continue to intrigue and baffle scientists and space enthusiasts alike. In this blog, we’ll explore some of the most fascinating and lesser-known facts about the secrets of space.
1. The Cosmic Latte: The Universe’s True Color
Did you know the universe has an average color? After analyzing the light from over 200,000 galaxies, scientists discovered that the average color of the universe is a beige-ish white, which they creatively named “Cosmic Latte.” It’s a subtle reminder of the interconnectedness of the cosmos.
2. The Wow! Signal: A Potential Message from ET
In 1977, a powerful and mysterious radio signal was detected by the Big Ear radio telescope in Ohio. Known as the “Wow! Signal,” it lasted for 72 seconds and has never been explained. Some speculate that it might have been a message from an extraterrestrial civilization.
3. The Great Attractor: The Cosmic Magnet
Our Milky Way galaxy, along with millions of others, is being pulled towards a mysterious region of space known as the Great Attractor. This gravitational anomaly remains largely unexplained, but it’s believed to be a massive concentration of dark matter and galaxies, showcasing the immense and unknown forces at play in the universe.
4. Interstellar Visitor: The Mystery of ‘Oumuamua
In 2017, astronomers detected an object named ‘Oumuamua passing through our solar system. Unlike any asteroid or comet observed before, its elongated shape and unusual speed led to speculation that it might be an interstellar probe or an object from another star system.
5. Space is Not Silent: The Sounds of the Cosmos
Contrary to popular belief, space is not completely silent. While sound cannot travel through the vacuum of space, radio waves emitted by celestial objects can be converted into sound waves. These waves create eerie and fascinating noises from the cosmos, providing a unique auditory glimpse into the universe.
6. Voyager’s Golden Record: A Message to the Stars
The Voyager spacecraft, launched in 1977, carries a golden record containing sounds and images representing life on Earth. This record is intended as a message for any intelligent extraterrestrial life that might find it, a time capsule of our existence on this pale blue dot.
7. The Dark Flow: Galaxies on the Move
Galaxies in the observable universe are moving toward a particular region at significant speeds, a phenomenon known as the Dark Flow. The cause remains unknown, but it suggests there might be structures beyond the observable universe influencing their motion, hinting at a larger cosmic landscape.
8. Cold Welding in Space: The Unexpected Bond
In the vacuum of space, metal surfaces can fuse together without the need for heat or other forms of welding. This phenomenon, known as cold welding, occurs because the atoms of the metals do not have anything between them and naturally bond together, an intriguing challenge for spacecraft design and repair.
9. The Boomerang Nebula: The Universe’s Coldest Spot
The Boomerang Nebula is the coldest known place in the universe, with temperatures plummeting to -458°F (-272°C). It’s even colder than the cosmic microwave background radiation, making it a unique and mysterious object in the vastness of space.
10. Space Burps: Powerful Jets from Black Holes
Massive black holes occasionally emit powerful jets of energy, sometimes referred to as “space burps.” These emissions can be so strong that they affect entire galaxies, influencing star formation and galactic evolution in ways we are only beginning to understand.
11. Floating Water: A Cosmic Reservoir
Astronomers have discovered a massive cloud of water vapor around a black hole 12 billion light-years away. This cloud contains 140 trillion times the amount of water in Earth’s oceans, making it the largest known reservoir of water in the universe, a stunning testament to the abundance and distribution of this essential molecule.
12. The Holographic Principle: A New Perspective on Reality
Some physicists propose that our entire universe might be a hologram. This theory, known as the holographic principle, suggests that all the information in our three-dimensional universe could be encoded on a two-dimensional surface, challenging our understanding of space and reality.
13. Zombie Stars: The Resurrection of White Dwarfs
When a white dwarf star in a binary system siphons off material from its companion star, it can reignite and explode in a supernova. These resurrected stars are sometimes called “zombie stars” because of their ability to come back to life after death, an incredible cycle of stellar rebirth.
14. Galactic Cannibalism: The Fate of the Milky Way
Larger galaxies often consume smaller ones in a process known as galactic cannibalism. Our own Milky Way is on a collision course with the Andromeda galaxy, and the two are expected to merge in about 4.5 billion years, creating a new, larger galaxy in a cosmic dance of destruction and creation.
15. The Hexagon on Saturn: A Bizarre Storm
Saturn’s north pole is home to a bizarre, persistent hexagonal storm system. Each side of the hexagon is about 9,000 miles long, and its formation remains a mystery to scientists. This unique weather pattern is unlike anything seen on any other planet.
At Last:
These fascinating and lesser-known facts about space highlight the profound mysteries and wonders of the cosmos. As we continue to explore and study the universe, we can expect to uncover even more incredible secrets that deepen our understanding and appreciation of the final frontier.
So, keep looking up and stay curious, for the universe is vast, full of wonders, and always ready to surprise us with its secrets.
Please follow and like us:
