How Indians Turn Credit Card Points into Travel Plans?
Indian travellers use credit card rewards to plan trips and pick destinations: Amex report.
Indian travellers are leveraging credit card points and loyalty programs to plan vacations, select destinations, and enhance experiences, according to American Express Global Travel Trends 2025.
Credit card points are increasingly influencing where, when, and how Indians travel, according to the Global Travel Trends Report 2025 by American Express. The insights reveal that reward programs are no longer just perks—they have become central to budgeting, planning, and enhancing travel experiences.
Maximising Travel Rewards Guides Vacation Planning
The report highlights the growing role of credit card points in travel decisions:
• 86% of Indians prioritize maximising travel rewards when planning their next holiday.
• 82% intend to use credit card points to cover at least part of their travel expenses in 2025.
• 64% plan vacations only after accumulating a specific number of points.
These statistics underscore that credit card rewards are now a key factor in timing and budgeting leisure travel.
Points Influence Destinations and Experiences
Indians are strategically using points to make the most of their rewards:
• 67% select destinations where credit card points or loyalty benefits can be optimally redeemed.
• 81% apply points to reduce costs for dining, local experiences, or tours during travel.
• 82% combine multiple loyalty programs—including credit cards, airlines, and hotels—to enhance value and flexibility.
This approach allows travellers to enjoy premium experiences while maintaining cost efficiency.
Redefining Premium Travel
Affluent Indian travellers are reshaping the concept of luxury travel. Instead of traditional extravagance, they now focus on:
• Convenience and comfort
• Personalised services
• Safety and protection
Amenities such as airport lounge access, concierge support, global assistance, and travel insurance have become essential. Premium credit cards, such as the Platinum Charge Card, are adapting to this trend by offering integrated benefits across travel, lifestyle, and rewards.
Seeking Meaningful Experiences
Beyond points and perks, travellers are looking for unique and memorable experiences:
• 92% of Indians seek one-of-a-kind items or experiences that remind them of their trips and allow them to share stories with friends and family.
This reflects a shift from conventional luxury to experiential travel, where memories and personal value outweigh cost alone.