Travelling in 2025 has never been more rewarding, thanks to the right credit card. Whether you’re jetting off for a vacation or travelling for work, a travel credit card can save you money and add some luxury to your trips. Best Metal credit cards and RuPay credit cards are stealing the show this year with their amazing perks, like low forex fees, lounge access, and hefty rewards. They’re perfect for anyone who loves to travel, whether in India or abroad. Let’s dive into the best travel credit cards in India for 2025.
Top RuPay Travel Credit Cards in 2025
RuPay cards are great for domestic travellers and those who want to use UPI credit card payments. Here are two top RuPay travel cards for 2025:
IDFC FIRST WOW! Credit Card (RuPay)
This RuPay card is backed by a fixed deposit starting at ₹5,000, which earns 7.25% interest annually. It offers a 0% forex markup fee, making it perfect for international spending with no extra charges. You get 1X reward points per ₹150 spent. It’s a versatile card for domestic and international travellers with no annual fee.
IRCTC HDFC Bank RuPay Credit Card
This card is perfect for train travellers, with a low annual fee of ₹499. You earn 5 Points for every ₹100 spent on IRCTC bookings. However, it’s mainly focused on train travel, so international perks like low forex fees or airport lounge access are missing, limiting its appeal to global travellers.
Top Metal Travel Credit Cards in 2025
Metal cards are all about luxury and premium perks. Here are two standout metal credit cards for travellers in 2025:
IDFC FIRST Ashva Metal Credit Card
This metal card from IDFC FIRST Bank costs ₹2,999 annually and offers 10X reward points on spends above ₹20,000. It has a low 1% forex markup fee, four domestic and two international lounge visits per quarter, and trip cancellation protection of up to ₹25,000 two times a year. The lower forex fee and versatile perks make it a practical choice for many.
HDFC Infinia Credit Card Metal Edition
This invite-only metal card has an annual fee of ₹12,500 and offers unlimited domestic and international lounge access through Priority Pass. It charges a 2% forex markup fee and gives 5 reward points per ₹150 spent. This card holds various benefits and rewards. It’s ideal for high-net-worth travellers, but the high cost and invite-only status might not work for everyone.
Final Thoughts
RuPay and metal credit cards are dominating the travel credit card space in 2025 with lucrative rewards and premium perks. The IDFC FIRST WOW! and IRCTC HDFC Bank RuPay cards are great budget-friendly options for domestic and international trips. For luxury travellers, the IDFC FIRST Ashva Metal and invite-only HDFC Infinia Metal Edition pack impressive forex savings, lounge access, and other rewards to make your 2025 trips more rewarding. Choosing the right travel credit card can unlock huge savings and take your vacation to the next level of comfort.
