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Best credit card for hotels in India

Updated 30 September 2026

On hotels, Kotak Solitaire Credit Card on ITC Hotels gives 33% back; PNB EMT (EaseMyTrip) RuPay Credit Card gives up to 20% back, depending on what you buy, capped at Rs 5,000 per transaction and Axis Neo Credit Card on Cleartrip gives up to 18% back, depending on what you buy, capped at Rs 4,000 per month. Rates differ by merchant inside this category, and the cap usually matters more than the rate, so check the merchant page before you pay.

Card offers

Showing the 25 highest value of 90 offers.

American Express Platinum Card at Oberoi Hotels and Resorts

American Express
50% backLikely
Cap
No cap we could read
Valid
No end date published
In the published terms50% off on Suites at Oberoi Hotels and Resorts

Published by American Express · Read on 10 Aug 2026 · Source ↗

Kotak Solitaire Credit Card at ITC Hotels

Kotak Mahindra Bank
33% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online and in store

Book two consecutive nights and the third is complimentary, which is one third off a three-night stay. Nothing on a one or two night booking.

In the published termsComplimentary 3rd night when you book 2 consecutive nights at ITC and Elivaas

Published by Kotak Mahindra Bank · Read on 10 Aug 2026 · Source ↗

American Express Platinum Card at Taj, SeleQtions, Vivanta Hotels

American Express
25% backLikely
Cap
No cap we could read
Valid
No end date published
In the published terms25% off at Taj, SeleQtions and Vivanta Hotels

Published by American Express · Read on 10 Aug 2026 · Source ↗

Standard Chartered DigiSmart Credit Card at Yatra.com

Standard Chartered
up to 25% back, depending on what you buyLikely
Cap
Rs 4,000 per quarter
Valid
No end date published
Where
Online

25% discount on domestic hotel bookings upto INR 4,000. Valid for 1 transaction per quarter, per category.

In the published terms25% discount on domestic hotel bookings upto INR 4,000. Valid for 1 transaction per quarter, per category

Published by Standard Chartered · Read on 10 Aug 2026 · Source ↗

IDFC FIRST Private Credit Card at Taj Hotels

IDFC FIRST Bank
25% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online and in store

Taj Hotels, SeleQtions and Vivanta hotels

In the published terms25% off on F&B- Dine-in & Take-away (maximum 10 pax) all year-round

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

HSBC Live+ Credit Card at IHG Hotels

HSBC
20% backLikely
Cap
No cap we could read
Valid
No end date published

Inclusive of InterContinental, Six Senses, Holiday Inn

In the published termsSave 20% with IHG Hotels. Enjoy the best flexible rates at participating IHG Hotels

Published by HSBC · Read on 10 Aug 2026 · Source ↗

PNB EMT (EaseMyTrip) RuPay Credit Card

Punjab National Bank
up to 20% back, depending on what you buyEstimate
Cap
Rs 5,000 per transaction
Valid
No end date published

NO MOV. Discount applicable up to 4 transactions per card in a month

In the published termsFlat 20% discount Up to Rs.5,000 on domestic hotel bookings | NO MOV

Published by Punjab National Bank · Read on 10 Aug 2026 · Source ↗

HSBC Premier Credit Card at Agoda

HSBC
up to 20% back, depending on what you buyEstimate
Cap
No cap we could read
Valid
No end date published

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsSave up to 20% on hotel bookings with Agoda

Published by HSBC · Read on 10 Aug 2026 · Source ↗

Kotak White Reserve Credit Card at Club Marriott

Kotak Mahindra Bank
up to 20% back, depending on what you buyEstimate
Cap
No cap we could read
Valid
No end date published

Club Marriott membership applicable

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsUp to 20% off on Best Available Room Rates in India

Published by Kotak Mahindra Bank · Read on 10 Aug 2026 · Source ↗

Axis Neo Credit Card at Cleartrip

Axis Bank
up to 18% back, depending on what you buyLikely
Cap
Rs 4,000 per month
Valid
No end date published
Where
Online

Hotel bookings. Once per use per month.

In the published termsFlat 18% discount (up to ₹4,000) on hotel bookings. Both benefits are applicable once per use per month

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

Canara MasterCard World Credit Card at Goibibo

Canara Bank
15% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online
In the published termsGoIbibo Discount Offer for 15% on Hotel Bookings

Published by Canara Bank · Read on 10 Aug 2026 · Source ↗

Axis Reserve Credit Card at Postcard Hotel

Axis Bank
15% backLikely
Cap
No cap we could read
Valid
No end date published
In the published terms15% savings at Postcard Hotel

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IndusInd Legend Credit Card at MakeMyTrip

IndusInd Bank
15% backLikely
Cap
No cap we could read
Valid
No end date published

Select domestic hotels. As MyCash offer.

In the published termsFlat 15% off on select domestic hotels as MyCash

Published by IndusInd Bank · Read on 10 Aug 2026 · Source ↗

Karur Vysya Bank SBI Signature Card at Lalit Hotels

SBI Card (KVB)
up to 15% back, depending on what you buyEstimate
Cap
No cap we could read
Valid
No end date published

Network privilege by Mastercard/Visa/RuPay

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsUp to 15% discount on room rates and F&B at Lalit Hotels

Published by SBI Card (KVB) · Read on 10 Aug 2026 · Source ↗

HSBC TravelOne Credit Card at StayVista

HSBC
11% backLikely
Cap
Rs 3,000 per year
Valid
No end date published
Where
Online

max 2 bookings per card per year; max saving per booking INR3,000

In the published terms11% off hotel bookings with StayVista; max saving per booking INR3,000; max 2 bookings per card per year

Published by HSBC · Read on 10 Aug 2026 · Source ↗

PNB Visa Metal Card LUXURA at Ixigo

Punjab National Bank
up to 10% back, depending on what you buyLikely
Cap
Rs 2,500 per month
Minimum
Rs 10,000
Valid
No end date published
Where
Online

Flat 10% instant off up to Rs.2500 on international flights and hotels. Minimum order value Rs.10000. Once per card per month.

In the published termsFlat 10% Instant Off up to 2500 on international flights & hotels with minimum order value INR 10000

Published by Punjab National Bank · Read on 10 Aug 2026 · Source ↗

HSBC Taj Credit Card at Taj

HSBC
5 reward points per Rs 100Likely
Cap
No cap we could read
Valid
No end date published
In the published termsEarn 5 reward points for every INR 100 you spend with Taj, SeleQtions, Gateway, Vivanta hotels and amã Stays & Trails

Published by HSBC · Read on 10 Aug 2026 · Source ↗

HDFC Freedom Credit Card at OYO

HDFC Bank
10 reward points per Rs 200Likely
Cap
No cap we could read
Valid
No end date published
In the published termsBasis restored to Rs 200 after HDFC product pages confirmed the basis is card-specific

Published by HDFC Bank · Read on 27 Aug 2026 · Source ↗

IDFC FIRST Private Credit Card at The Postcard Hotel & Resorts

IDFC FIRST Bank
Flat Rs 7,500 offLikely
Cap
Rs 7,500 per transaction
Minimum
Rs 25,000
Valid
No end date published

minimum booking of ₹25,000

In the published termsFlat discount of ₹7,500 on a minimum booking of ₹25,000

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

IDFC FIRST Private Credit Card at Taj Hotels

IDFC FIRST Bank
20% backLikely
Cap
No cap we could read
Valid
No end date published

participating hotels

In the published terms20% discount on Best Available Rate on Room/Suites at participating hotels

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

Standard Chartered EaseMyTrip Credit Card

Standard Chartered
20% backEstimate
Cap
Rs 10,000 per transaction
Valid
No end date published
Where
Online and in store

International hotel bookings. Max discount of Rs 10000.

In the published termsFlat 20% instant discount* on domestic & international hotel* bookings(Max discount of Rs 5000 and Rs 10000 respectively)

Published by Standard Chartered · Read on 10 Aug 2026 · Source ↗

Axis MyZone Credit Card at Cleartrip

Axis Bank
up to 18% back, depending on what you buyEstimate
Cap
Rs 4,000 per month
Valid
No end date published
Where
Online

Flat 18% discount (up to ₹4,000) on hotel bookings. Applicable once per use per month.

In the published termsFlat 18% discount (up to ₹4,000) on hotel bookings on Cleartrip. Once per use per month

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

Canara Visa Gold Credit Card at Goibibo

Canara Bank
15% backLikely
Cap
No cap we could read
Valid
No end date published
Where
Online
In the published termsGoIbibo Discount Offer for 15% on Hotel Bookings

Published by Canara Bank · Read on 10 Aug 2026 · Source ↗

IDFC FIRST Private Credit Card at Postcard Hotel

IDFC FIRST Bank
Flat Rs 7,500 offLikely
Cap
No cap we could read
Minimum
Rs 25,000
Valid
No end date published

The Postcard Hotel & Resorts

In the published termsEnjoy a flat discount of ₹7,500 on a minimum booking of ₹25,000

Published by IDFC FIRST Bank · Read on 10 Aug 2026 · Source ↗

AU Ananta Credit Card at MakeMyTrip

AU Small Finance Bank
15% backEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Visa Cardholders

In the published termsVisa Cardholders MakeMyTrip: Flat 15% off hotels

Published by AU Small Finance Bank · Read on 10 Aug 2026 · Source ↗

Card network offers

All 2 offers.

These come from Visa or RuPay rather than your bank, so they apply because of the network on your card.

IndusInd EazyDiner Platinum Credit Card at Yatra

IndusInd Bank
Flat Rs 5,000 offEstimate
Cap
Rs 5,000 lifetime
Valid
Valid until 31 July 2027

RuPay network offer. This offer cannot be combined with any other offer/ scheme.

In the published termsGet Upto Rs.5000 off on domestic hotels

Published by RuPay · Read on 1 Sep 2026 · Source ↗

HDFC PIXEL Play Credit Card at Ease My Trip

HDFC Bank
Flat Rs 500 offEstimate
Cap
No cap we could read
Minimum
Rs 3,500
Valid
Valid until 31 December 2026

Visa network offer.

In the published termsEase My Trip Get INR 500 Off on min. booking amount of INR 3,500 for hotel booking.

Published by Visa · Read on 1 Sep 2026 · Source ↗

Welcome offers

All 4 offers.

One-off benefits for a new card. Not an ongoing rate, so they are listed apart from the offers above.

IDFC FIRST Gaj Credit Card

IDFC FIRST Bank
5-star hotel voucher for 25% off up to ₹5,000 (one-off, not an ongoing rate)Estimate
Cap
Rs 5,000
Minimum
Rs 1,00,000
Valid
No end date published

25% off on select 5-Star hotel bookings via Travel and Shop Section on IDFC FIRST Bank Mobile App. Benefit available only once per customer.

In the published termsget 5-star hotel voucher for 25% off up to ₹5,000

Published by IDFC FIRST Bank · Read on 10 Aug 2026 · Source ↗

IDFC FIRST SWYP Credit Card at MakeMyTrip

IDFC FIRST Bank
Rs 800 one-off, not an ongoing rate (₹800 instant discount on domestic hotels)Likely
Cap
No cap we could read
Minimum
Rs 8,000
Valid
No end date published
Where
Online

on spends of ₹8,000, within 90 days of fee payment

In the published terms₹800 instant discount on domestic hotels on spends on spends of ₹8,000

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

IDFC FIRST Gaj Credit Card

IDFC FIRST Bank
25% Off on 5-Star Hotel Voucher on select 5-Star hotel bookings via Travel and Shop Section (one-off, not an ongoing rate)Estimate
Cap
Rs 5,000
Valid
No end date published
Where
Online

Limited Period Offer. Offered on 1st application. Not applicable on re-application. Spend ₹1L in 60 days from card generation

In the published terms25% Off on 5-Star Hotel Voucher on select 5-Star hotel bookings. Limited Period Offer

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

IDFC FIRST SWYP Credit Card at MakeMyTrip

IDFC FIRST Bank
Rs 800 one-off, not an ongoing rate (₹800 instant discount on domestic hotels on spends on spends of ₹8,000)Likely
Cap
No cap we could read
Minimum
Rs 8,000
Valid
No end date published
Where
Online

Domestic hotels on spends of ₹8,000. Within 90 days of fee payment

In the published terms₹800 instant discount on domestic hotels on spends on spends of ₹8,000

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

Card privileges

Showing the 12 highest value of 24 offers.

Memberships and perks a card includes. Not a discount on this purchase.

Axis MY Zone Easy Credit Card at Goibibo

Axis Bank
Wednesday Delight: Instant savings of up to 15% on flights & hotels via Goibibo and MakemytripEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Beat the mid-week blues with exciting offers every Wednesday.

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsInstant savings of up to 15% on flights & hotels via Goibibo and Makemytrip

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

Axis Miles and More Credit Card at MakeMyTrip

Axis Bank
Up to 15% savings on flights & hotels on WednesdaysEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Wednesday Delights, via Goibibo and Makemytrip

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsInstant savings of up to 15% on flights & hotels via Goibibo and Makemytrip

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

RBL Insignia Preferred Banking Credit Card

RBL Bank
Exclusive benefits at 2400+ premium hotels globallyLikely
Cap
No cap we could read
Valid
No end date published

Early check-in, late check-out, complimentary room upgrade subject to availability. Complimentary breakfast for two, hotel or dining credit, welcome amenity. Partners: Marriott, Accor, IHG, Mandarin Oriental, Shangri-La and others.

In the published termsExperience luxury with exclusive benefits at 2400+ premium hotels: Early check-in, late check-out, complimentary room upgrade, breakfast, credit, amenity…

Published by RBL Bank · Read on 10 Aug 2026 · Source ↗

AU CA Metal Credit Card at MakeMyTrip

AU Small Finance Bank
Flat 15% off on select domestic hotels as MyCashLikely
Cap
No cap we could read
Valid
No end date published
Where
Online

Select domestic hotels only

In the published termsFlat 15% off on select domestic hotels as MyCash

Published by AU Small Finance Bank · Read on 10 Aug 2026 · Source ↗

IDFC FIRST Gaj Credit Card

IDFC FIRST Bank
Receive 45 Bonus Reward Points per ₹150 on hotel bookings via the IDFC FIRST Bank Mobile App, over and above the base 5 Reward Points per ₹150Estimate
Cap
15,000 points per month
Valid
No end date published
Where
Online

Bonus reward points per ₹150 on hotel bookings via the IDFC FIRST Bank Mobile App

In the published terms45 Bonus Reward Points per ₹150 on hotel bookings. Capped at 15,000 bonus Reward Points per month

Published by IDFC FIRST Bank · Read on 10 Aug 2026 · Source ↗

Axis MyZone Credit Card at MakeMyTrip

Axis Bank
Wednesday Delight - flights and hotelsEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Up to 15% instant savings on flights and hotels via MakeMyTrip on Wednesdays.

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsInstant savings of up to 15% on flights and hotels via MakeMyTrip on Wednesday

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

American Express Platinum Card at The LaLiT

American Express
Additional complimentary nightLikely
Cap
No cap we could read
Valid
No end date published

when you book two or more nights for a club room or suite at The LaLiT in India

In the published termsAdditional complimentary night when you book two or more nights for a club room or suite at The LaLiT

Published by American Express · Read on 16 Aug 2026 · Source ↗

Axis MyZone Credit Card at MakeMyTrip

Axis Bank
Wednesday Delight on flights and hotelsEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Instant savings of up to 15% on flights and hotels via MakeMyTrip every Wednesday.

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsInstant savings of up to 15% on flights and hotels via MakeMyTrip

Published by Axis Bank · Read on 10 Aug 2026 · Source ↗

IDFC FIRST Wealth Credit Card

IDFC FIRST Bank
Earn 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings. You can earn up to 8000 Bonus RewardLikely
Cap
8,000 points lifetime
Valid
No end date published
Where
Online

Book via FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App

Page states "up to" or a range: this is a maximum, not a guaranteed rate.

In the published termsEarn up to 8000 Bonus Reward. 20% Bonus Travel Rewards on hotel and 10% on flight bookings

Published by IDFC FIRST Bank · Read on 27 Aug 2026 · Source ↗

Kotak Solitaire Credit Card

Kotak Mahindra Bank
Complimentary 3rd night when you book 2 consecutive nights at ITC and ElivaasEstimate
Cap
No cap we could read
Valid
No end date published

These benefits are provided by Visa and subject to change without any prior intimation.

In the published termsComplimentary 3rd night when you book 2 consecutive nights

Published by Kotak Mahindra Bank · Read on 16 Aug 2026 · Source ↗

IDFC FIRST Classic Credit Card

IDFC FIRST Bank
Earn 20% Bonus Reward Points on hotel bookings via FIRST Rewards GalleryEstimate
Cap
No cap we could read
Valid
No end date published
Where
Online

Booking through FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App

In the published termsEarn 20% Bonus Reward Points on hotel bookings, over and above usual Credit Card Reward Points

Published by IDFC FIRST Bank · Read on 16 Aug 2026 · Source ↗

American Express Platinum Card at The LaLiT

American Express
Additional complimentary night when you book two or more nights for a club room or suite at The LaLiT in IndiaLikely
Cap
No cap we could read
Minimum
Rs 2
Valid
No end date published

When you book two or more nights for a club room or suite

In the published termsAdditional complimentary night when you book two or more nights for a club room or suite at The LaLiT in India

Published by American Express · Read on 16 Aug 2026 · Source ↗

What makes hotels different

Hotels carry one of the highest median caps in the database at Rs 6,250, which reflects the size of the transactions rather than the generosity of the offers. Only 20% publish a cap at all.

The numbers behind hotels

Computed from the 92 live offers that pay on hotels, read from published terms as at 30 September 2026. Welcome offers and card privileges are listed separately below and are not in these figures.

MeasureValue
Offers tracked92
Share that publish a cap20%
Median published capRs 6,250
Most common cap periodper month
Share with a minimum order5%
Median minimum orderRs 10,000
Channel, where stated45 online, 0 offline
Share stated rather than estimated65%

The mistake people make on hotels

35% of everything published on hotels is an estimate, 32 offers of 92. Hotel discounts are also usually tied to a specific booking platform rather than to the hotel, so the same room booked directly frequently earns nothing.

Also worth knowing

Prepaid and non-refundable rates often carry the best discount and the worst cancellation terms. The two are usually the same booking.

Conditions worth knowing

  • Book two consecutive nights and the third is complimentary, which is one third off a three-night stay. Nothing on a one or two night booking.

    Kotak Mahindra Bank · Source ↗
  • 25% discount on domestic hotel bookings upto INR 4,000. Valid for 1 transaction per quarter, per category.

    Standard Chartered · Source ↗
  • Taj Hotels, SeleQtions and Vivanta hotels

    IDFC FIRST Bank · Source ↗
  • Inclusive of InterContinental, Six Senses, Holiday Inn

    HSBC · Source ↗
  • NO MOV. Discount applicable up to 4 transactions per card in a month

    Punjab National Bank · Source ↗
  • Page states "up to" or a range: this is a maximum, not a guaranteed rate.

    HSBC · Source ↗
  • Club Marriott membership applicable

    Kotak Mahindra Bank · Source ↗
  • Hotel bookings. Once per use per month.

    Axis Bank · Source ↗

Shops in this category

Figures on this page are computed from AskTula's offer database as read on 30 September 2026, and describe what issuers, merchants and card networks publish. They are not a promise of what any individual card will pay.

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