There are credit cards, and then there are credit cards. Over the past seven years, I’ve seen almost all of them and used all the good ones to earn miles and more miles. I thought over the Diwali vacations; I’d pen down my thoughts about some of the best airline credit cards India has in 2018.
There are only three domestic airlines in India, so naturally, the ambit of this discussion goes about all the three of these. Of these, Vistara has a co-branded credit card tie-up with Axis Bank, Jet Airways’ JetPrivilege has a co-branded credit card tie-up with HDFC Bank, ICICI Bank, IndusInd Bank and American Express. Air India has a co-branded credit card tie-up with SBI Card.
Keeping this context, let us look at the best airline co-branded credit cards in India. You will notice they are all the premium card variants.
1. Axis Vistara Infinite Credit Card
Axis Bank launched the Axis Bank Vistara co-branded credit cards in 2016. I got mine as quickly as I could. The cards come in 3 variants, and I got the top-end one. The Axis Vistara Infinite Credit Card gets you up to 4 Business Class tickets for spending INR 7.5 Lakhs in a year, the first one coming in for sign-up or renewal of the card every year. You also get Gold Status on Vistara for as long as you hold the card. The card costs INR 10,000 + GST per annum.
You get 6 CV points for every INR 200 spent, however, no points multiplier for booking Vistara tickets on this card at the moment. Also, I do find customer care to be a bit iffy, which should not be the case for a card of this stature. Overall, from a rewards maximisation perspective, however, this is a great card.
2. HDFC Diners Jet Privilege Credit Card
HDFC Bank & JetPrivilege have been working together for a long time, and their last co-branded product launched is indeed their most rewarding. The HDFC Diners JetPrivilege credit card gets you 15 tier points for sign up, 5 tier points every year for renewal. Also, you get one tier point for every INR 1.5 lakh spends. Not just that, you get 24 JPMiles/INR 150 spend on Jet Airways website or app.
The card costs INR 10,000 plus GST for the first year (INR 5,000 plus GST after) and you get 15,000 JPMiles for signup + 15,000 JPMiles on milestone spends. Also, unlimited lounge access on the Diners Club network of over 800 lounges. In the country, with the vast HDFC Bank and Rupay terminals network, it is very well accepted not. The downside, being a Diners Club product, it is not as well recognized outside the country.
The Jet Airways ICICI Bank Sapphiro Credit Card is one of my favourite cards for various reasons. Firstly, this card is available as an Amex & Visa combination. So you can use the Visa card where the Amex variant does not come through for you. Secondly, the card comes with a free ticket on Jet Airways. The USP of this card is also the Dragon Pass that gets you Airport Spa access and the Free movie tickets on BookMyShow.
The American Express Jet Airways Platinum Credit Card gets you 8 JPMiles/INR 150 spend on normal charges and double on spends on Jet Airways website. You also get complimentary access to twelve lounges, a signup bonus of 10,000 JPMiles and one Jet Airways ticket. But the best part of this card is access to the American Express Lounge in Delhi, and hopefully, also the soon to open American Express Lounge in Mumbai Airport.
The card costs INR 5,000 for the first year and INR 10,000 after the first year. As a JP Platinum, you’ll also get it free. Apply here to get bonus JPMiles on your application.
5. SBI Air India Signature Card
This was the most generous card in the market when it came out, but then it fell from its glory and down and now isn’t as high anymore. But this is the best you can get for being a supporter of Air India, and if you use the card for yourself, you would still have a great earning with this card.
Air India gets you 30 miles/INR 100 for spending on Air India tickets for your travel, and 10 miles/INR 100 for everyone else’ tickets. They give you 20,000 Air India miles for sign up and another 100K miles towards milestone bonuses as you go along to spending INR 10 Lakhs on this card. The card costs INR 4,999 + GST per annum.
You can use your Air India miles towards Air India flights as well as Star Alliance redemptions now that the redemptions are online. Here is a review of what we made out of my Air India miles on Air India Business Class to London. Apply Now.
These are my top 5 airline co-branded credit card picks. Between Shipra and myself, we hold all these cards except one which I held for the longest time, so these are not just hear-say reviews.
I’m curious to hear what are your best picks for airline co-brand credit cards? Which ones of these are on your wishlist?