Travel whether for work, weekend breaks, or visiting family, has become a bigger part of our lives. This is when having the right credit card can make a noticeable difference. But premium cards with steep annual fees don\u2019t always make financial sense, especially if your spending is more balanced.<\/p>\n
But there are mid-range travel credit cards with annual fees of \u20b91,000 and \u20b95,000. They offer useful perks like lounge access, decent travel rewards, and milestone benefits without the pressure of overspending to justify the fee.<\/p>\n
At 1 Finance we have created a scoring model to evaluate credit cards based on real value and data. We consider factors like reward rates, annual fees, lounge access, insurance coverage, and eligibility to help you pick a card that suits your lifestyle and travel habits.<\/p>\n
Here are the top 5 mid-tier travel credit cards for 2025, based on our credit card scoring and ranking model.<\/p>\n
If you often fly with Air India, this card gives you unmatched value through high reward rates and milestone bonuses.<\/p>\n
The SBI Air India Signature Card<\/a> offers a flat 4% reward rate across key categories like travel, dining, and groceries, making it highly rewarding for everyday spends.<\/p>\n It further enhances value for frequent flyers with up to 2.5x reward points on bookings made through the Air India website or app.<\/p>\n New users receive a welcome bonus of 20,000 Reward Points upon payment of the joining fee. Cardholders also enjoy 8 complimentary domestic airport lounge visits per year, along with milestone rewards of up to 1 lakh<\/p>\n Reward points annually based on spend thresholds. The card comes with an annual fee of \u20b94,999 + GST, making it ideal for those who regularly travel with Air India and spend across diverse categories.<\/p>\n Best For:<\/strong> Heavy Air India flyers looking to convert spends into free flights.<\/p>\n <\/p>\n A well-balanced card offering solid value across categories like shopping, dining, and domestic travel.<\/p>\n The SBI Prime Card<\/a> offers a generous 10% reward rate on popular lifestyle categories such as groceries, fashion, dining, and entertainment, making it ideal for high-volume everyday spenders.<\/p>\n For travellers, it provides 9% Club Vistara Points on travel-related expenses, adding significant value for frequent flyers.<\/p>\n New users receive a \u20b93,000 e-gift voucher from leading brands as a welcome benefit. The card includes 8 complimentary domestic and 4 international lounge visits annually, ensuring comfort during travel.<\/p>\n In addition, users can unlock milestone rewards, including a \u20b91,000 Pizza Hut voucher every quarter and annual vouchers worth \u20b97,000 on hitting spend thresholds. The annual fee is \u20b92,999 + GST, offering great value for those who spend regularly across travel and lifestyle segments.<\/p>\n Best For:<\/strong> Users seeking a well-rounded lifestyle and travel card with multiple reward avenues.<\/p>\n <\/p>\n A variation of the Prime Card, this version offers better reward rates on utilities and premium milestone benefits.<\/p>\n The SBI Prime Advantage Card<\/a> stands out with its elevated reward rate of 10% on groceries and fashion and an impressive 20% on utility bill payments, making it ideal for managing essential expenses.<\/p>\n Travel enthusiasts earn 9% Club Vistara Points on bookings, enhancing value for frequent flyers. Upon joining, users receive a \u20b93,000 e-gift voucher from popular partner brands. The card provides 8 complimentary domestic and 4 international airport lounge visits per year, ensuring travel comfort.<\/p>\n It also offers attractive milestone rewards, including a \u20b91,000 Pizza Hut voucher every quarter and an additional \u20b97,000 e-gift voucher annually on meeting spend thresholds. With an annual fee of \u20b92,999 + GST, this card delivers excellent lifestyle and utility value for mid-level spenders.<\/p>\n2. SBI Prime Card<\/h2>\n
3. SBI Prime Advantage<\/h2>\n