Travel Card

A travel card is a credit card designed for travelers' needs. Having a travel credit card during your trip is a good option. Major banks also offer travel credit cards to travel consumers. Users can enjoy exclusive benefits as well as air tickets and hotel value-added services. Travel cards make it easy for users to enjoy their trip and save a lot of money.

types of Travel Card

Travel cards are available in both joint and non-brand. Because co-branded travel cards generally offer higher bonus points for partner travel brands, you should only consider a co-branded travel card if you are loyal to a travel brand.

Non-co-branded travel credit cards offer higher benefits for travel expenses and more options to earn bonus points or redeem points because you are not subject to partner airlines or hotels. These cards offer points or miles that can be redeemed for travel bookings or travel-related options. Bonus points or miles can be earned as a sign-up bonus, usually after the minimum amount of expenditure has been reached within a specified period of time. In addition, you can earn award points or miles for spending and purchasing from an airline or hotel partner or from a specific category of merchants.

Choose a right travel card

Many people choose cards first to their existing bank because it seems to be the easiest option. However, this is not always your best choice. Here are some suggestions for choosing a card to help you make the right decision.

First, Check out join card fees and annual fees. The card is free and charged. Travel cards usually include membership fees and annual fees. Co-branding or dedicated cards is usually a considerable amount. Before selecting a card, make sure that the cost of the card is recovered. If you spend enough, the reward you get makes the annual fee well worth it, otherwise it won't be necessary.

Second, Consider your travel habits. This means that before choosing a travel card, consider the amount you need to spend on your card so that you can earn additional bonus points and the time frame within which you must do so. If you spend more than you would normally spend or exceed what you can reasonably repay without carrying the balance, it is not recommended to choose it. When you use a credit card abroad, you should also be aware of foreign currency markup fees, foreign transaction fees and cash withdrawal fees. Foreign transaction fees accounted for between 1.5% and 3.5% of total transactions. In addition to the standard cash withdrawal rate for credit cards, cash withdrawal fees are between 1% and 4%. It is important to carry cash or travel cards. Because the fee is silent compared to your card. These transaction fees can be cancelled when you select a travel card that does not charge for foreign transactions or a card that gives you a heavy prize for foreign transactions.

Obviously, travel credit cards offer many benefits. However, it is necessary to assess your travel needs before you apply for it. If you are a travel-loving person, it is highly recommended that you study the travel card.