What is a Travel credit card?

A card through which the consumer gets the reward in the form of some miles or points which the consumer can use for certain purchases like hotel rooms, flights, is a Travel credit card. Also your get travel benefits like airport transfers, concierge service etc.

How does a Travel credit card work?

It works the same as that any other reward credit card. A person accumulates points because of the various transaction that they do on the travel credit card, The user gets extra points when used for Travel purchases depending on the type of alliance or partnership of the card These travel points can then be redeemed for travel benefits or other features depending on the redemption procedure for the card.

How to choose a Travel credit card?

Points to be considered while choosing Travel credit cards are as follows: You have to decide whether to choose a co-branded or general credit card. Choose credit cards that will give you a signup bonus and high prizes. Choose credit cards that offer the perks and the protection you need.

What are the charges and fees incurred for a Travel credit card?

The annual percentage rate for Travel credit cards is similar to the interest of other regular credit cards Some cards come with a joining fee criteria, while in some there is no need to pay a joining fee

Do credit cards also offer travel benefits?

Yes, cards do offer travel benefits.

What are the requirements for applying for a Travel credit card?

Following are the requirements for applying for a Travel credit card Emirates id copy Passport copy Annual income Address Date of birth

What are the advantages of using a credit card for Travel?

Following are the advantage of using Travel credit cards: Accumulate travel points that can be redeemed against travel-related benefits like flight tickets, hotel booking etc. Some of the cards come with an additional benefits such as: zero liability on lost card welcome gift travel insurance

Benefits of Travel credit cards

Lot of prize points or air miles are offered by Travel credit cards in form of a welcome gift At International and Domestic airlines, points can be saved for air miles. free tickets are also offered on select airlines by some cards.

How to redeem Travel points?

Following are the points by which we can redeem Travel points: When you pay with a credit card for your Travel, you save your points as statement credits. Send a request to save points as a statement credit after logging into your account.

Travel Credit Card - Page 8 Of 16

Emirates NBD Marriott Bonvoy World Mastercard Credit Card

Emirates NBD

Min. Salary

AED 25000

Annual Fees

AED 1500

Interest Rate

3.09%

FX Rate

1.99%

Benefits

Airport Lounge Access

Dining Benefit

Golf Benefits

Hotel Discounts

Travel Insurance

Apply Now Compare +

Earn points with every USD spend with Emirates NBD Marriott Bonvoy World Mastercard Credit Card. Buy 1 get 1 offers, access to airport lounges, discounts on air tickets and holiday packages and much more.

Features:

Earn points for USD spend
Access to 900+ airport lounges
Personalized concierge service
Golf privileges
Travel Inconvenience Insurance

Fees and Charges:

Supplementary Card Annual Fee: Multiple supplementary cards at no additional cost
Late Payment Fee: AED 230 per month
Over limit Fee: AED 279 per month
Cash Advance Fee: 3% or AED 99, whichever is higher

Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic

Min. Salary

AED 25000

Annual Fees

AED 2000

Interest Rate

3.49%

FX Rate

2.34%

Benefits

Airport Lounge Access

Cinema Benefits

Golf Benefits

Purchase Protection

Sharia Compliant

Travel Insurance

Apply Now Compare +

Earn Skywards Miles for every USD spent with Emirates Islamic Skywards Infinite Credit Card. Complimentary valet parking, discount on airport transfers, global concierge. It is a Sharia compliant credit card.

Features:

Earn Skywards Miles for spends and automatic upgrade to Emirates Skywards Silver membership
Airport Lounge access, complimentary golf and free valet parking
Balance Transfer and Cash Advance Facility
Extended Warranty and Purchase Protection
Global concierge service, global assistance and discount on domestic airport transfers
Sharia compliant credit card.
Travel and medical insurance during travel
Offers on cinema and entertainment

Fees and Charges:

Supplementary Card Annual Fee: Free up to 4 cards
Late Payment Fee: AED 225
Over limit Fee: AED 249
Cash Advance Fee: 3% of cash advance amount or AED 99, whichever is higher

Arab Bank World Elite MasterCard Credit Card

Arab Bank

Min. Salary

AED 50000

Annual Fees

AED 1900

Interest Rate

3.25%

FX Rate

3%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Travel Insurance

Apply Now Compare +

The Arab Bank World Elite MasterCard credit card is designed for elite customers. It offers many unique features like global concierge services and offers and discounts on luxury hotels and resorts. This international travel card provides travel insurance, lost baggage claim, medical insurance, and more.

Features:

This card is offered by invitation only
24/7 global concierge service for international lifestyle services
Travel insurance benefits like rental collision and damage waiver, medical insurance, travel cancellation, and inconvenience
Personalized credit limit for your financial needs
Card can be used for online purchases, ATM cash withdrawals, and retail purchases
High cash advance limit
Airport Lounge Access
Offers and Discounts on hotels, shopping traveling etc
Memberships in global loyalty programs

Fees and Charges:

Supplementary Card Annual Fee: AED 950 for Elite Program only
Late Payment Fee: AED 230
Over limit Fee: AED 275
Cash Advance Fee: 3% with a min of AED 100

Standard Chartered Visa Infinite Credit Card

Standard Chartered

Min. Salary

AED 30000

Annual Fees

AED 1575

Interest Rate

3.45%

FX Rate

2.99%

Benefits

Airport Lounge Access

Golf Benefits

Purchase Protection

Travel Insurance

Apply Now Compare +

The Standard Chartered Visa Infinite Credit Card offers infinite benefits on travel and purchase. Get privileges like access to airport lounges, fitness clubs, or get out on the greens for a round of golf. Earn reward points on your spend, and use it to make the next purchase.

Features:

Earn reward points for your spends
Convert reward points to miles and buy travel tickets or purchases with reward points
Get complimentary airport transfers with Careem
Avail a complimentary round of golf at leading clubs every month
Unlimited access to over 1000+ airport lounges worldwide and Visa Concierge Service
Get Medical and Travel Insurance and Buyers Protection
Discount on cinema and Fitness First Access
No Annual fee for first year

Fees and Charges:

Supplementary Card Annual Fee: AED 525 (First year free for first 2 cards)
Late Payment Fee: 241.50 AED
Over limit Fee: 292.95 AED
Cash Advance Fee: 3.15% of cash advance amount or AED 105, whichever is higher

The American Express Gold Credit Card

American Express

Min. Salary

AED 15000

Annual Fees

AED 295

Interest Rate

3.60%

FX Rate

2.94%

Benefits

Airport Lounge Access

CashBack

Purchase Protection

Travel Insurance

Apply Now Compare +

The American Express Gold Credit Card is a cash back credit card that also provides travel, shopping, and other benefits. Both self-employed and salaried individuals can apply for the card. Up to 9 supplementary credit cards are free with the card with the same benefits as the main card.

Features:

Free airport lounge access 5 times a year to Priority Pass lounges for the primary cardholder and one supplementary cardholder.
Free travel accident insurance worth AED 350,000.
Fraud Protection Guarantee feature safeguards cardholders against credit card fraud or theft.
Up to 9 free supplementary credit cards for immediate family members of age 12 years and above with the same benefits.

Fees and Charges:

Supplementary Annual Fee: Free for first 9 cards
Late Payment Fee: AED 230 (AED 241.5 including VAT)
Over limit Fee: AED 275.5 (AED 290 including VAT)
Cash Advance Fee: 3% or AED 100, whichever is higher

ADCB Islamic Etihad Guest Infinite Card

ADCB Islamic

Min. Salary

AED 40000

Annual Fees

AED 2625

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Sharia Compliant

Travel Insurance

Apply Now Compare +

ADCB Islamic Etihad Guest Infinite Credit Card is an AirMiles Credit Card that comes with a lot of travel, lifestyle, reward, and other credit card benefits. Earn Etihad Guest Miles on every purchase made with the Islamic Card and redeem the miles to book tickets on Etihad Flights.

Features:

Welcome bonus of 60,000 Etihad Guest Miles during the 1st year of membership.
Monthly bonus of 5,000 Etihad Guest Miles on reaching monthly spends of USD 5,000 or more
Earn Etihad Guest Miles on every spend made with the credit card in a variety of categories. The Miles can be redeemed for flight bookings, shopping, holidays, car, hotel bookings, and more.
Also earn Etihad Guest Tier Miles that help the cardholder to progress to the next tier within the Etihad Guest program.
Up to 4 complimentary flight class upgrade vouchers valid on Etihad Flights.
Multi-trip travel insurance, which includes the cardholder, spouse, and up to 5 children.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.15% or AED 105 (whichever is higher)
Annual Fee (AED): AED 2,625 (Aspire & Private Club); AED 1,312.50 (Excellency)

ADIB Smiles Classic Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Sharia Compliant

Apply Now Compare +

ADIB Smiles Classic Credit Card is a zero annual fee credit card. Cardholders can earn Smiles points and redeem them for travel, lifestyle, and dining benefits. Family members can get add-on credit cards for free.

Features:

A no annual fee credit card with lifestyle benefits.
Download the Smiles App and get 1+1 offers and other discount deals
Balance transfer facility available to transfer outstanding on other bank credit cards to ADIB credit card.
Transfer money from the card to a selected bank account with just a phone call.
Shop with the card and pay back in easy monthly installments (EMIs) of 3/6/9/12 with zero monthly interest and processing fee.

Fees and Charges:

Supplementary Annual Fee: Nil
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or AED 99

FAB Etihad Guest Signature Credit Card

FAB

Min. Salary

AED 15000

Annual Fees

AED 1575

Interest Rate

3.50%

FX Rate

2.49%

Benefits

Airport Lounge Access

CashBack

Cinema Benefits

Golf Benefits

Purchase Protection

Travel Insurance

Apply Now Compare +

FAB Etihad Guest Signature Credit Card is an air mile credit card. The cardholder gets a welcome bonus, access to airport lounges, airport transfer facility. The users can avail of travel benefits, lifestyle benefits, and get purchase protection.

Features:

Get Etihad Guest Miles discount voucher
Earn Etihad Guest Miles and Etihad Tier Miles for every AED 10 spent
Access to airport lounges and get airport transfers
Welcome Bonus on primary and secondary cards
Get travel insurance, Credit Shield, purchase protection and extended warranty
Offers on Movie Tickets, Golf Discounts, Concierge Service and Visa Offers
Fast Track Enrolment To Etihad Guest Silver Membership
Complimentary Inflight WIFI Vouchers

Fees and Charges:

Supplementary Card Annual Fee: AED 262.50
Late Payment Fee: AED 241.50 or less than the minimum amount due in any month
Over limit Fee: AED 288.75
Cash Advance Fee: 3.15% of the cash amount

Deem Titanium Miles Up Credit Card

Deem

Min. Salary

AED 5000

Annual Fees

AED 210

Interest Rate

3.45%

FX Rate

3.14%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Apply Now Compare +

The Deem Titanium Miles Up Credit Card is a travel and lifestyle card that offers accelerated Miles Up points for spends across travel, grocery, and retail spends worldwide. There are no annual fees for the first year. The card comes with insurance protection for credit card outstanding.

Features:

Earn Miles Up rewards on every airline ticket, hotel reservation, grocery spend, and supermarket purchases
Lounge access in more than 10 airports across the Levant and the Middle East
Benefit of insurance cover
Deals and discounts with the Deem Offers app
Lifestyle and travel benefits

Fees and Charges:

Supplementary Card Annual Fee: Free for up to 5 supplementary cards
Late Payment Fee: AED 241.5
Over limit Fee: AED 341.25
Cash Advance Fee: AED 105 or 3.15% of cash advance amount, whichever is higher

ADCB talabat ADCB Islamic Card

ADCB Islamic

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Sharia Compliant

Apply Now Compare +

The ADCB talabat ADCB Islamic Card is a no annual fee credit card with a lot of Talabat benefits. Enjoy unlimited free deliveries and Talabat credits on Talabat orders. Powered by Mastercard, the card also provides travel benefits.

Features:

Get up to 35% back capped at AED 35 per month on Talabat orders as Talabat credits. The offer is applicable only on the first 10 delivery orders every month.
Unlimited free delivery on all Talabat pro orders on food, groceries, and pharmacy orders.
The minimum order on food orders is capped at AED 50 and AED 100 on talabat mart, groceries, and pharmacy orders.
Unlimited lounge access to more than 20 airports across the globe for both primary and supplementary cardholders.
Up to 10% cash back on travel bookings at booking.com.
Up to 8% discount on flight and hotel bookings on Cleartrip.
No Annual Fees

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: NA
Cash Advance Fee: NA