The free credit card app issuers offer is now a standard part of the features you get. With the right facilities and tools, these can transform your card from a mere credit facility to an all-in-one solution. This is especially true when you use your card for travel, as it will simplify access to many perks.
With a travel credit card, you can unlock many outstanding benefits to make your trip stress-free. For instance, you can avail of these offers and discounts to book your travel, accommodation, etc.
Here's a glimpse into the benefits of travel credit cards and tips to use them smartly.
Benefits of Using Travel Credit Cards
Here are some of the benefits you can enjoy with a majority of travel credit cards.
Discounts on Travel Bookings
Many issuers partner up with travel websites and service providers, allowing you to enjoy discounts and offers on bookings. These discounts can be a huge relief and these are part of the exclusive benefits you enjoy. Similarly, you can get discounts and offers on your hotel bookings when paying with a travel credit card.
Accumulation of Reward Points
You earn reward points with your travel credit card in many ways. Some common examples include a welcome bonus or points with every transaction. These points accumulate over time, which you can redeem later for discounts and cashback.
Using these reward points, you can save on hotel stays, car rentals, shopping at a partner store, dining, and flight bookings. However, it is important to keep track of their expiry date. This is where the issuer's free credit card app comes into play, as you can use it even while you’re travelling.
Travel Insurance Benefits
While travelling, there may be times when things go wrong. This is exactly why having travel insurance is important and this is often offered with a travel credit card. There are various types of insurance that cater to different situations.
These include auto rental car coverage, trip cancellation or interruption insurance, lost baggage insurance, etc. So, in case of any mishaps, these policies can help you save a lot of money and help you out of difficult situations.
Better Security Against Theft and Fraud
A prominent drawback of travelling with cash or debit cards is that they put you at high risk for theft. If you are totally dependent on cash in a foreign country, you can easily land in a difficult situation.
When it comes to debit card fraud, money gets stolen directly from your account, and this can have serious consequences. However, using a credit card can help you safeguard against all the circumstances, as they have better protection against fraud and liability benefits.
Additional Perks and Lounge Access
These perks comprise a wide range of complimentary benefits you enjoy with a travel credit card. In some cases, you even get complimentary breakfast, room upgrades, loyalty points and more.
You may also get similar benefits at the airport, depending on the credit card type and issuer's policy. Thus, you can access domestic and international lounge, enjoy free Wi-Fi facility, complimentary drinks, free flight upgrades, etc.
Get Access to Instant Credit
One of the main reasons why people opt for a travel credit card is that it allows instant limited credit. This benefit can come in handy if you’re ever in a pinch in a foreign land. With access to funds, you can address many problems, arrange last-minute trips back home, and more without falling short of funds.
How to Use Your Travel Credit Card Wisely
Here are some tips for choosing the right travel credit card and using it wisely for maximum benefits.
Look for the best credit card within your financial capacity after comparing the fees, charges, interest rates, benefits, etc.
Assess the reward program on offer and ensure that it aligns with your needs
Scout for a lifetime free credit card to save on joining and annual fees
Avoid maxing out on your card limit and keep track of your spends on the issuer's credit card app
Pay your dues in full and on time to avoid unnecessary fees
Remember, these benefits only make a difference if you choose the best travel credit card based on your needs. One option with some of the best features is the Onecard Credit Card, which is a lifetime free credit card perfect for all of life’s adventures.
With this sleek, premium metal card, you can get instant credit, 5X reward points on your top two categories and more. Furthermore, you can easily track your spends, rewards points, bills, and other financial activities through the One Credit Card app. The powerful app enables you to spend confidently and make the most of your card. Apply online to enjoy all these benefits.