Travel Credit Cards

Travel Credit Cards

Avid travellers would already know how expensive it can be to bear the travel expenses. From air tickets to hotel bookings, the travel expenses can be very high at times. Keeping travel needs in mind, some banks and financial institutions offer travel credit cards. One can opt for the same and save money on travel-related expenses. Travel rewards credit cards are very popular in the UAE as the credit card issuers offer these cards with a range of exclusive rewards and benefits.

What Is Travel Credit Card?

A travel card offers different ways to earn rewards, miles, or bonuses which can be redeemed for amazing discounts on booking air tickets, hotel bookings, car rentals. Additionally, it offers many travel-related perks. In simple terms, travel credit card is designed to offer a cheaper and hassle-free travelling experience.

Travel credit cards offer special privileges and valuable rewards. These reward points are of two types. First, some travel credit cards may provide a signup bonus or welcome points to the new cardholder. Second, the travel credit card offers reward points for spending a certain amount, often including a bonus for purchase from the co-brand hotel or airline partner. Once the cardholder earns enough reward points, they can redeem them for getting discounts on air tickets, hotel bookings, car rentals, and various travel-related transactions.

Features and Benefits of Travel Benefits Credit Cards

Travel credit card offers a host of benefits that can be availed by the cardholders. From providing sign-up bonuses to free airport lounge access, travel cards provide various benefits that meet the travel needs of travellers.

Following are the top benefits offered by the most travel credit cards:

  • Welcome Gift: Most of the travel credit cards offer reward points as a sign-up bonus or welcome gift. Those reward points further can be redeemed for the air miles at domestic as well as international airlines.
  • Free Access to Airport Lounges: Some of the best credit cards offer complimentary airport lounge access at a wide range of airports. In case of delayed flights, the cardholder can sit, relax, and enjoy light refreshments.
  • Supplementary Cards: The cardholders can opt for unlimited supplementary cards for their eligible family members. The supplementary cards don’t attract any additional fee. The cardholders can set the spending limit on each of the supplementary cards.
  • Travel Insurance: Some travel credit card issuers provide complimentary travel accident insurance cover to the cardholder. In addition to this, they offer compensation for the inconvenience caused due to missed or delayed flights and loss of checked-in luggage.
  • Complimentary Movie Tickets: Majority of the travel rewards credit card offer Buy 1 Get 1 complimentary movie tickets every month that can be availed any day of the week.
  • Golf Benefits: Travel credit cardholders can also play a complimentary round of golf once in a month at specific golf courses in the UAE.
  • Annual Fee Waiver: Most of the credit card applicants search for travel card that doesn’t charge annual charges. Some travel cards offer the benefit of waiver of the annual By spending a certain amount as specified by the credit card issuer in a given time period, the cardholder can avail waiver of the annual fee.
  • Other Benefits: Some of the best travel credit cards provide benefits such as discount coupons for dining, concierge services, purchase protection etc.

Eligibility Criteria to Apply For Travel Credit Card

The eligibility criteria to apply for a travel credit card vary from bank to bank as well as from one card to other. Listed below are the major criteria to obtain a travel card:

  • Applicant’s age should be between 21 years to 65 years.
  • Applicant should have a steady source of income.
  • Applicant should have address
  • Emirati applicants should have Emirates Id. Expats need to provide other documents such as passport and the resident permit.

Note- Credit card application is subject to credit and other essential policy checks as per the guidelines of the credit card provider.

How to Apply for Travel Credit Cards in the UAE?

The credit card application process is very easy. The applicants can apply for travel cards offline as well as online.

Have a look at the  travel credit card application process:

Apply for a travel credit card online

Before an applicant applies for a travel credit card online, they must ensure they meet the eligibility criteria. They don’t need to visit the bank’s branch for applying for a travel card as it can be applied online easily. They can log on the official website of the shortlisted bank and apply for a travel credit card that suits their needs. All they need to do is click on the apply button on the online application page and then provide all the required details.

Once the bank receives the credit card application and if their profile meets the eligibility criteria, the applicant will receive a call within 3-5 working days from a travel credit card representative. They will guide them through the next steps of the application process. They will tell the applicant about the required documents to process the application and schedule an appointment for document collection. Once all the required documents are successfully submitted, the credit card application will proceed within 7-10 working days.

Essential Tip- Note the application number to track the status of the credit card application.

The credit card applicants can also apply through the Policybazaar.ae. Policybazaar.ae is a leading online marketplace where one can find all kind of financial products as per their needs. Being an unbiased financial service provider, the online platform provides their visitors with a great opportunity to search out for different travel credit cards and compare cards on the basis of their rewards and benefits. They can apply for the same in a hassle-free manner.

Apply for a Travel Credit Card Offline

There is an alternative option of applying a travel card for those individuals who are not comfortable with the online credit card application process. They can visit the bank branch directly and apply for the card of their choice. Bank representative will guide them about the travel credit cards that meet their expectations and budget. After selecting the card, they need to fill the travel credit card application form and provide the required documents such as identity proof, proof of income, address proof, etc.

Top Travel Benefits Credit Cards offered in UAE

Travelling is indeed a great option to rejuvenate. The excitement of exploring new places, cultures, and cuisines can be an exciting experience. A vacation can not only help to unwind but also help to relax physically as well as mentally by providing a break from the mundane life.

While travel can be exciting, it can also be full of uncertainties. Travel insurance is necessary while travelling because it provides travel-related benefits. So is carrying the best travel credit card. It enables the cardholder to travel freely, without carrying cash and earn rewards for the spend put on the card. This is why several banks offer credit cards that earn travel miles. The accumulated rewards can be can be redeemed to avail discounts on hotel bookings, car rentals, air tickets, and many other travel-related perks.

Opting for the best UAE exchange travel card can be a tough task as the options are endless. To make this process simple and easy, listed below are some of the best UAE banks that offer travel credit cards. The applicants can check the list of best travel credit cards to choose the right card for them.

Note- The list is in no particular order/ rank.

Citibank

Here are the 6 credit cards that earn travel miles by Citibank:

1. Citibank Citi Premier

This card is perfect for the cardholders who love to travel and play golf. This card provides access to 700+ airport lounges and free travel insurance. Additionally, it offers free golf benefit once a month at the best golf courses in the UAE.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 15,000.
  • The annual fee applicable for this travel credit card is AED 850.
  • The card attracts a monthly interest rate is 3.09% of the account balance with up to a 51-day interest-free period.
  • The foreign currency rate applicable to international transactions is99% per month.

2. Citibank Citi Prestige

This is one of the best travel credit cards that provides a wide range of travel benefits. From complimentary access to 750+ airport lounges and travel insurance, it provides a wide range of benefits.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 30,000.
  • The annual fee applicable for this travel credit card is AED 1500.
  • The card attracts a monthly interest rate of 2.79%.
  • The foreign currency rate applicable to international transactions is99% per month.

3. Citibank - Emirates-Citibank World

It is one of the best travel credit cards that provide amazing travel benefits.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 15,000.
  • The annual membership fee applicable for this travel credit card is AED 400.
  • The card attracts a monthly interest rate of 3.25%.
  • The foreign currency rate applicable to international transactions is99% per month.

4. Emirates Citibank Ultimate Credit Card

This travel credit card offers complimentary access to 500+ airport lounges and golf benefits for golf lovers.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 18,000.
  • The annual membership fee applicable for this travel credit card is AED 800.
  • The card attracts a monthly interest rate of 3.09%.
  • The foreign currency rate applicable for international transactions is99% per month

5. Emirates Citibank Ultima Credit Card

This is an ideal card for frequent travellers. Cardholders can earn Skywards Miles and guaranteed rate on every spend.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 36,750.
  • The annual membership fee applicable for this travel credit card is AED 3000.
  • The card attracts a monthly interest rate of 2.99%.
  • The foreign currency rate applicable to international transactions is99% per month.

6. Citibank - Citi Rewards

This travel card offers a wide range of travel benefits including free airport lounge access, complimentary travel insurance etc. 

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 8,000.
  • The annual membership fee for this card is AED 300.
  • The monthly interest rate applicable for this travel credit card is 3.25%
  • The foreign currency rate applicable to international transactions is99% per month.

Commercial Bank of Dubai

Commercial Bank of Dubai (CBD) offers various types of credit cards that offer extra privileges and meets the basic need of credit card applicants. One of the most significant types of credit cards offered by the CBD is the travel credit card that offers plenty of travel benefits. Using this type of credit cards can help the card member earn rewards points which can be redeemed for amazing discounts on air tickets, hotel bookings, car rentals, and many travel-related perks.

Listed below are some best travel cards offed by CBD:

1. Commercial Bank of Dubai Visa Platinum Card

Visa Platinum Card offered by the CBD is a travel credit card that offers benefits that range from low-interest rates to exclusive travel-related perks.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 5,000.
  • The monthly interest rate applicable for this travel credit card is 2.99%

2. Commercial Bank of Dubai Visa Signature Credit Card

The CBD Visa Signature Credit Card offers several benefits such as multiple-trip travel insurance, complimentary access to international VIP airport lounges, purchase protection, and various other exclusive privileges.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 10,000.
  • No annual charge is applicable for the primary card for the first year.
  • The card attracts interest rate that starts from 3.29% per month.

3. Commercial Bank of Dubai World MasterCard

The World MasterCard offers amazing travel, hospitality, and entertainment benefits to the cardholders.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 40,000.
  • No annual charge is applicable to the primary card for the first year.
  • The card attracts interest rate that starts from 3.29% per month.

4. Commercial Bank of Dubai Titanium Mastercard

The CBD Titanium Mastercard offers great spending power, worldwide acceptance, and exclusive travel-related perks.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 10,000.
  • No annual charge is applicable to the primary card for the first year.
  • The card attracts interest rate that starts from 3.29% per month.

5. Commercial Bank of Dubai - Visa Infinite Credit Card

Designed to meet the basic travel needs of the applicants, the CBD Visa Infinite Credit Card offers a host of travel benefits.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED 20,000.
  • No annual charge is applicable to the primary card for the first year.
  • The card attracts interest rate that starts from 3.29% per month.

6. Commercial Bank of Dubai Super Saver

Renowned for providing amazing cash back, the CBD super credit card is one of the best travel credit cards.

Financial Features of the Card

  • To be eligible for this card, the applicant needs to earn a minimum monthly salary of AED10,000.
  • No annual charge is applicable to the primary card for the first year.

How to Find the Best Travel Benefits Credit Card?

Nothing is more rewarding than availing discounts on your travel-related transactions. The best travel credit card offers rewards or miles that the card holder can redeem for travel reservations including flight tickets, rental cars, hotel bookings etc. There are a plethora of options when it comes to choosing the right travel credit card. The question is- how can one opt for the best travel credit card?

While the options seem endless, here are some factors that applicants ought to consider when choosing the right travel credit card.

  • Welcome or Sign-up Bonus: Most of the travel credit card issuers provide exciting signup bonuses. The applicants must compare the signup bonus when choosing the best travel card. Sign-up bonus can help the cardholder avail great discounts on their flight tickets, hotel bookings etc.
  • Annual Fee: There is no doubt that the travel credit card with an annual fee offers extra privileges and rewards as compared to the one with no annual fee. Also, credit card experts advise comparing the value of the rewards and bonuses to make sure they are worth paying the annual fee.
  • Rewards Rate: All travel credit card issuers offer enticing rewards and bonuses on their cards. When choosing the right travel credit card, it is very important to know how many miles will be earned per dirham spent. Also, the applicant should know that what is the value of those miles.
  • No Foreign Transaction Fees: If the applicant frequently visits foreign countries then it is very important to choose a card that doesn’t charge foreign transaction fees.
  • Travel Protection: The cardholder should opt for the travel card that provides maximum travel protection such as reimbursement for trip delay, loss or damage of checked-in baggage, trip cancellation and interruption protection, travel accident insurance etc.

Why Choose Policybazaar.ae for Travel Credit Cards Over Others?

Policybazaar.ae is the leading marketplace for a wide range of financial products. It provides online solutions for the financial needs of applicants. It helps them search, compare, and buy the right financial products as per their requirements.

When it comes to opting for the best travel credit card, Policybazaar.ae is the one on which the applicant can easily rely on. While there are numerous travel credit card issuers in the market, Policybazaar.ae helps compare various features, benefits, reward points, customized offers, and zero in on the best credit card. Policybazaar.ae provides an easy and convenient way to apply for travel credit cards and track the online application without any hassle.