Which is the best credit card in India for hotel bookings in 2026?
Saravanan Khatri
Asked 20 May 2026
I am looking for a credit card mainly for Flipkart shopping. My monthly income is around ₹1,50,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
2 Answers
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
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