Category
Travel (general)
Trains, cabs, tour operators and bank travel portals — anything not specifically a flight or hotel booking.
No card in your wallet earns rewards on travel (general) yet.
When you add a card that does, it will rank here automatically.
Best in market
The April 2026 Axis devaluation (Marriott, Accor and Qatar Avios dropped overnight) reshuffled Indian miles cards, but transfer-partner cards still comfortably beat portal-only cards when you redeem on partner airlines — value realistic miles at ₹0.5-1 per partner mile. · Top-tier picks from the whole Indian market, researched 7 Aug 2026.
Axis Bank Atlas
5 EDGE Miles/₹100 on direct airline, hotel and Travel Edge bookings (2/₹100 elsewhere); miles transfer 1:2 to Air India, KrisFlyer, Flying Blue, ITC, IHG and more
₹5,000 + GST, no spend-based waiver
Still the best attainable miles card in India post-devaluation: at 1:2 ratios a travel rupee yields ~10 partner miles per ₹100, worth ₹5-10 depending on redemption. Tier milestones add up to 10,000 bonus miles/year plus lounge access.
April 2026 devaluation removed Marriott/Accor/Qatar with zero notice and added BA/Finnair/Vietnam at a poor 2:1; Group A partners (KrisFlyer, Aeroplan, JAL) capped at 30,000 EDGE Miles/year, Group B at 1.2 lakh; 5x travel earn capped (~₹2 lakh travel spend/month); fuel, rent, wallet, gov and utility spends earn nothing — pure travel-and-shopping card.
HSBC TravelOne
4 points/₹100 on travel and forex, transferring 1:1 to 20+ airline and hotel programs — the widest mostly-1:1 partner list in India
₹4,999 + GST, waived on ₹8 lakh annual spends
The best hedge against single-bank devaluations: 1:1 transfers to KrisFlyer, Flying Blue, Qatar Avios, Accor, Marriott, IHG, Wyndham and more — several partners Axis just dropped. High monthly caps (50,000 accelerated points) and 6 domestic + 4 international lounge visits.
Turkish and United transfers already devalued to 2:1 quietly, so ratios are not guaranteed; 3.5% forex markup eats most of the 4x on overseas swipes; HSBC issues in limited cities and underwriting is conservative.
HDFC Bank Infinia Metal
3.3% base return everywhere, 5X flights (16.5%) and 10X hotels (33%) on SmartBuy at ₹1/point, plus mostly-1:1 airline mile transfers
₹12,500 + GST, waived on ₹10 lakh annual spends
Still India's most valuable card in 2026 for high spenders: unbeatable base rate, SmartBuy flight/hotel multipliers survived the 2026 devaluations intact, unlimited lounge access, and a deep transfer-partner list as backup.
Effectively invite-only with steep income requirements (~₹4L+/month salaried or ITR ₹42L+) — flagged as the aspirational pick; July 2026 devaluation capped SmartBuy brand-voucher earnings at 3,000 points/month (80% cut to the voucher route); overall accelerated earn capped at 15,000 points/month.
Your wallet · Travel (general)
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on travel (general). Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on travel (general) at your spend — raw rates, before caps.
Every card in your wallet is excluded from travel (general) — see the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check — does each card pay for itself?
Value is still counted across your whole wallet, not just this category — a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above — the numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.