Best credit card for hotel bookings under ₹40,000 annual fee
Paoli Nair
Asked 26 Apr 2026
Please recommend a credit card with annual fee under ₹40,000 that excels at dining and restaurants. I prefer Visa/Mastercard over RuPay for wider acceptance.
2 Answers
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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