Which is the best credit card in India for hotel bookings in 2026?
Vivaan Zala
Asked 1 Apr 2026
I am looking for a credit card mainly for EMI purchases. My monthly income is around ₹25,000 and I prefer no annual fee if possible. Which card should I apply for in 2026?
3 Answers
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
I closed my HDFC card last year. The process took exactly 7 days. They sent a confirmation email and a closure letter by speed post. Tip: pay off the full outstanding and request closure only AFTER the payment reflects. Calling repeatedly with a zero balance is the fastest path.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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