Best credit card for hotel bookings with no annual fee
Ramesh Rao
Asked 4 Mar 2026
25
Looking for a zero-annual-fee credit card that gives solid value on online shopping. My spends are around ₹75,000/month.
1 Answer
Accepted
4
Deepak Ganai·27 Mar 2026
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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