Best credit cards for hotel points in October 2026

26. RBL Nova −₹2,200
27. Axis Burgundy Private −₹2,500 · Invite only
28. SBI AURUM −₹3,200 · Invite only
29. Axis Bank Reserve −₹23,900
30. RBL Lumière −₹25,900 · Invite only
31. HSBC Privé −₹2,10,600 · Invite only
32. Axis Bank PRIMUS −₹2,82,000 · Invite only
33. Samsung Axis Bank Signature ₹15,100
34. SBI Card MILES ₹10,000
35. Axis Bank Privilege ₹8,100
36. Axis Bank NEO ₹5,900
37. Axis Bank My Zone ₹5,900
38. Axis Bank REWARDS ₹5,800
39. Axis Bank Platinum ₹5,500
40. IndianOil Axis Bank Credit Card ₹4,100
41. Axis Bank Pride Platinum ₹3,300
42. Axis Bank My Zone Easy ₹2,800
43. Axis Bank Titanium Smart Traveller ₹1,800
44. Axis Bank Freecharge ₹1,500 · Invite only
45. RBL World Safari Plus −₹2,300 · Invite only
46. HSBC Taj −₹96,500 · Invite only
47. Axis Bank My Wings ₹2,800
48. HSBC Advance Platinum ₹46,400 · Closed to new applicants
49. Axis Atlas ₹45,600 · Closed to new applicants
50. HSBC Smart Value ₹31,000 · Closed to new applicants
51. Amex Membership Rewards Card ₹23,500 · Issuing paused
52. Amex SmartEarn ₹16,800 · Issuing paused
53. Amex Gold Charge ₹12,900 · Issuing paused
54. Samsung Axis Bank Infinite ₹12,600 · Closed to new applicants
55. Axis Bank Signature ₹10,100 · Closed to new applicants
56. Amex Platinum Travel ₹10,100 · Issuing paused
57. Amex Platinum Reserve −₹900 · Issuing paused
58. Amex Platinum Charge −₹43,600 · Issuing paused

Statement cashback (₹): no hotel partner (55): Swiggy Ornge HDFC Bank Credit Card , Swiggy BLCK HDFC Bank Credit Card , Utkarsh Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card , Utkarsh superCard , RBL Paisabazaar Duet , YES PaisaSave , YES PaisaSave RuPay , Federal Bank Paisabazaar Paisaback Credit Card , YES Prosperity Cashback+ , AU SPONT Credit Card , BOBCARD Cashback , YES Prosperity Cashback , RBL Paisabazaar Duet Plus , AU Altura Credit Card , AU Xcite Ace Credit Card , Dhi CUB Visa Signature , IDFC FIRST Hello Cashback , IDFC FIRST Quantum+ , IDFC FIRST EA₹N , Standard Chartered Smart , Suryoday SFB RuPay Platinum , Suryoday SFB RuPay Select , ESAF INORI RuPay Platinum , DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card , SBM MobiKwik First Credit Card , Paisabazaar Paisa Plus Credit Card , Paisabazaar Step-Up SBM Credit Card , Utkarsh Wish Credit Card , Unity Bank BharatPe Credit Card , PVR INOX Kotak , IndusInd Samman RuPay , YES Bank BYOC (Cashback) , AU InstaPay RuPay Credit Card , YES BANK EMI , Kotak Delight Platinum , IB-VISA-Bharat , IB-VISA-Gold , IB-VISA-Platinum , IB-RuPay-Classic , IB-RuPay-Platinum , IB-RuPay-Select , IOB Gold Credit Card , IOB Classic Credit Card , Swiggy HDFC Bank Credit Card , Best Price Save Smart HDFC Bank , HDFC Bank Bharat , PVR Kotak Platinum , Myntra Kotak , ABN AMRO One , ABN AMRO Titanium One , PVR Kotak Gold , RBL Edition Black .

RBL Reward Points: no hotel partner (53): RBL World Safari , RBL World Safari Lite , RBL Bank Patanjali Swarn , RBL Icon , RBL Platinum Maxima Plus , RBL Platinum Edge , RBL Platinum Maxima , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , RBL BankBazaar SaveMax Pro , RBL Movies and More , RBL Platinum Delight , RBL Platinum ShopGain , RBL Patanjali Vishisht , RBL Bank SalarySe UP , RBL Bank DMI Finance , RBL Cookies , RBL Platinum Max , RBL Platinum Prime , RBL Shoprite , RBL Binge , RBL BankBazaar SaveMax , RBL Platinum LifeEasy , RBL Platinum Choice , RBL Platinum Plus , TVS Credit RBL Bank , RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold , RBL Platinum Advantage , RBL Bank QuickPay , RBL EasySaver , RBL MyFirst , RBL World Plus , RBL World Prime , RBL World Max , RBL Platinum Classic , RBL Bank MoneyTap , RBL Monthly Treats , RBL Bank novio , RBL Bank Black , RBL Bank Fun+ , RBL vCard , RBL Titanium Delight , RBL Bank MoCash , RBL IGU NHS Golf World Card , RBL India Startup Club World , RBL India Startup Club Platinum , RBL Platinum Cricket , RBL Freedom SuperCard , Bajaj Finserv RBL Bank CA SuperCard , Bajaj Finserv RBL Bank Doctor's SuperCard , ETMONEY RBL Bank LoanPass Credit Card .

SBI Reward Points: no hotel partner (48): SBI Card ELITE , SBI Card PRIME , SBI Card PULSE , BPCL SBI Card OCTANE , Titan SBI Card , Reliance SBI Card PRIME , Landmark Rewards SBI Card PRIME , BPCL SBI Card , SimplySAVE SBI Card , SimplySAVE UPI SBI Card , Landmark Rewards SBI Card SELECT , Landmark Rewards SBI Card , Reliance SBI Card , SimplyCLICK SBI Card , KVB SBI Signature Card , KVB SBI Platinum Card , South Indian Bank SBI Platinum Card , Shaurya SBI Card , Doctor's SBI Card , Shaurya Select SBI Card , SBI Card Unnati , Federal Bank SBI Platinum Card , Chennai Metro SBI Card , Mumbai Metro SBI Card , SBI Platinum Card , SBI Signature Card , SpiceJet SBI Card , SBI Gold & More Card , Federal Bank SBI Gold 'N More , SBI Card ELITE Advantage , SBI Card PRIME Advantage , SimplyCLICK Advantage SBI Card , SimplySAVE Advantage SBI Card , SBI Student Plus Advantage Card , SBI Apna Bazaar Card , SBI Advantage Platinum Card , SBI Advantage Signature Card , SBI Gold Card (pre-2009) , SBI Advantage Card (pre-2009) , SBI Employee Card , Hero Honda SBI Card , SBI Silver & More Card , SBI Platinum Card (2007) , SBI Doctors Card , SBI Platinum Card (2010) , SBI UBI Card , SBI UBI Gold Card , SBI Mumbai Card .

BOBCARD Reward Points: no hotel partner (36): BOBCARD Eterna , BOBCARD Tiara , BOBCARD Premier , IRCTC BOBCARD , HPCL ENERGIE BOBCARD , Snapdeal BOBCARD , ICAI Exclusive BOBCARD , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , PRAGATI BOBCARD (RRB) , PM SVANidhi BOBCARD , BOBCARD Select , BOBCARD Easy , Nainital Bank RENAISSANCE BOBCARD , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , BOBCARD Easy (FD Backed) , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , BOBCARD Prime , BOBCARD ConQR , BOBCARD Bombay Bullion , BOBCARD Titanium , BOBCARD Elite Platinum , BOBCARD Select Platinum , BOBCARD Signature , BOBCARD Assure , BOB Financial Paytm Credit Card .

HDFC Reward Points: no hotel partner (22): HDFC Diners Club Privilege , PhonePe HDFC Bank Ultimo , Shoppers Stop Black HDFC Bank , PhonePe HDFC Bank Uno , IndianOil HDFC Bank Credit Card , Shoppers Stop HDFC Bank , HDFC Bank Regalia First , HDFC Harley-Davidson Diners Club , HDFC Regalia , HDFC Regalia Activ , Best Price Save Max HDFC Bank , HDFC Bank Diners Club Black (non-metal) , HDFC Bank Diners Club Miles , HDFC Bank Diners Club Premium , HDFC Bank Diners Club Rewardz , HDFC Bank MoneyBack (original) , Pine Labs HDFC Bank , Pine Labs HDFC Bank Pro , HDFC Bank Solitaire , HDFC Bank Superia , HDFC Bank Titanium Times , HDFC Bank Idea International Silver .

IndusInd Reward Points: no hotel partner (20): IndusInd Tiger , IndusInd PIONEER Private , Indus Solitaire , IndusInd Legend , IndusInd Pioneer Legacy , IndusInd Pinnacle World , IndusInd Bank Nexxt Credit Card , IndusInd ePay Amex , IndusInd Duo , IndusInd Platinum RuPay , IndusInd Platinum , IndusInd Platinum Aura Edge , IndusInd Celesta , IndusInd Indulge , IndusInd Crest , IndusInd Pioneer Heritage , IndusInd Iconia Amex , Poonawalla Fincorp IndusInd eLITE RuPay , IndusInd Iconia Visa , IndusInd Bank Gold Credit Card .

Kotak Reward Points: no hotel partner (20): Kotak NRI Royale Signature , Kotak Zen Signature , Kotak Cashback+ , Kotak Cashback+ Prime , Kotak UPI RuPay , IndianOil Kotak Credit Card , Kotak League Platinum , Kotak 811 Credit Card , Kotak Infinite , Kotak Veer Select , Kotak Privy League Signature , Kotak Essentia Platinum , Kotak Feast Gold , Kotak Royale Signature , Kotak Solaris Platinum , Kotak Urbane Gold , Kotak Mojo Platinum , Kotak Veer Platinum , Easyday Kotak Titanium Card , Easyday Kotak Silver Card .

AU Reward Points: no hotel partner (19): AU CA Metal , AU CS , AU Ananta , AU Zenith , AU Vetta , Aditya Birla Capital AU Pro , Paytm AU Credit Card , AU Bank NOMO Credit Card , AU Zenith+ , AU Laksya Credit Card , AU Bank Traverse Credit Card (NRI) , AU Tejas Credit Card , AU Xcite Ultra Credit Card , AU Xcite Credit Card , AU Prathama Credit Card , AU Altura Plus Credit Card , AU LIT Credit Card , Aditya Birla Capital AU Flex , Aditya Birla Capital AU Nxt .

ICICI Reward Points: no hotel partner (18): ICICI Emeralde Private Metal , ICICI Times Black , ICICI Bank Emeralde , ICICI Bank Coral , ICICI Bank Expressions , ICICI Bank HPCL Super Saver , ICICI Sapphiro , ICICI Bank HPCL Coral Credit Card , ICICI Bank Platinum Chip Credit Card , ICICI Bank Rubyx , ICICI Bank Parakram , ICICI Bank Parakram Select , ICICI Bank Coral against FD , ICICI Bank Rubyx against FD , ICICI Bank NRI Coral , ICICI Bank NRI Sapphiro , 1838 Reserve ICICI Bank Credit Card , Chennai Super Kings ICICI Bank .

YES Rewardz (YES CC Rewardz): no hotel partner (18): YES Bank Marquee , YES Bank RESERV , YES Private Prime , YES Private , YES Bank ELITE+ , YES Bank BYOC (Rewards) , YES Essence , YES Bank Wellness Plus , YES Bank ACE , YES Bank SELECT , YES Bank Wellness , YES Bank FinBooster , YES FinBooster RuPay , YES Bank anQ Pi , YES BANK RuPay Virtual , YES Bank anQ Phi , YES Prosperity Rewards , YES First Preferred .

PNB Reward Points: no hotel partner (18): PNB VISA Classic , PNB VISA Gold , PNB VISA Platinum , PNB LUXURA Metal (RuPay) , PNB LUXURA Metal (Visa Infinite) , PNB Premium Metal LUXURA , PNB Parakram , PNB Zaggle Twin , PNB Visa Signature , PNB Patanjali RuPay Select , PNB RuPay Millennial , PNB RuPay Select , PNB SALARY RuPay Select , PNB BLISS , PNB EMT RuPay Platinum , PNB Patanjali RuPay Platinum , PNB RuPay Platinum , PNB SALARY RuPay Platinum .

IDFC FIRST Reward Points: no hotel partner (16): IDFC FIRST Private , IDFC FIRST Gaj , IDFC FIRST Mayura , IDFC FIRST Ashva , IDFC FIRST Diamond Reserve , IDFC FIRST WOW! , IDFC FIRST Select , IDFC FIRST WOW! Black , IDFC FIRST Millennia , IDFC FIRST Classic , LIC IDFC FIRST Select , IDFC FIRST HPCL Power+ , IDFC FIRST SWYP , IDFC FIRST Wealth , LIC IDFC FIRST Classic , IDFC FIRST HPCL Power .

StanC 360° Reward Points: no hotel partner (14): Standard Chartered Beyond , Standard Chartered Ultimate , Standard Chartered Priority Visa Infinite , Standard Chartered Rewards , Standard Chartered Super Value Titanium , Standard Chartered Platinum Rewards , Standard Chartered Manhattan , Standard Chartered Landmark Rewards Platinum , Standard Chartered Bandhan One , Standard Chartered Bandhan Plus , Standard Chartered Bandhan Xclusive , Standard Chartered Platinum Elite , Standard Chartered Bajaj Finserv Platinum , Standard Chartered Bajaj Finserv World .

HDFC Bank CashPoints: no hotel partner (12): Paytm HDFC Bank Select , HDFC PIXEL Go , HDFC Bank Millennia , HDFC Bank PIXEL Play , HDFC Bank Freedom , Paytm HDFC Bank Digital , Paytm HDFC Bank Mobile , Paytm HDFC Bank , HDFC Bank UPI RuPay , HDFC Bank MoneyBack+ , HDFC Bank UPI RuPay Mega Saver , HDFC Bank Easy EMI .

Union Rewardz Points: no hotel partner (12): Union Bank UNICORN , Union Bank NEXTERIA , Union Bank DIVAA ICON , Union Bank RuPay Select , Union Sparsh , Union JCB Wellness , Union JCB Health , Union Bank RuPay Platinum , Union UNI-CARBON , Union Bank VISA Signature , Union Bank VISA Platinum , Union Bank VISA Gold .

Citibank Reward Points: no hotel partner (11): Delhi Metro Citibank , Citibank Platinum Credit Card , Citibank Gold Credit Card , Citibank Silver Credit Card , Citibank Woman's Credit Card , CRY Citibank Credit Card , WWF Citibank Credit Card , MTV Citibank Credit Card , Reliance Gold Credit Card , Reliance Silver Credit Card , Citibank Rewards Domestic Credit Card .

DBS Cash Points: no hotel partner (9): DBS Spark 5 Credit Card , DBS Spark 10 Credit Card , DBS Spark 20 Credit Card , Bajaj Finserv DBS 5X SuperCard , Bajaj Finserv DBS 5X Plus SuperCard , Bajaj Finserv DBS 7X SuperCard , Bajaj Finserv DBS 7X Plus SuperCard , Bajaj Finserv DBS 10X Signature SuperCard , Bajaj Finserv DBS 10X Plus SuperCard .

InterMiles: no hotel partner (9): InterMiles HDFC Bank Diners Club , InterMiles HDFC Bank Platinum , InterMiles HDFC Bank Signature , JetPrivilege HDFC Bank Titanium , InterMiles ICICI Bank Coral Credit Card , Jet Airways Amex Platinum , Jet Airways Citibank Titanium , Jet Airways Citibank Silver , Jet Airways Citibank Platinum .

PAYBACK Points (now Zillion Coins): no hotel partner (9): Amex PAYBACK Credit Card , IndusInd PAYBACK Credit Card , Amex MakeMyTrip Credit Card , ICICI Bank HPCL Gold , ICICI Bank HPCL Silver , Toyota ICICI Bank Co-Branded , ICICI Bank Gitanjali Jewellery , ICICI Unifare Bangalore Metro , ICICI Unifare Mumbai Metro .

IndiGo BluChip: no hotel partner (8): IndiGo IDFC FIRST Dual Credit Card , IndiGo SBI Card ELITE , IndiGo Axis Bank Premium Credit Card , IndiGo SBI Card , IndiGo Kotak Credit Card , IndiGo Kotak Premium Credit Card , IndiGo Axis Bank Credit Card , IndiGo IDFC FIRST Secured .

Air India Maharaja Points: no hotel partner (8): Axis Bank Vistara Infinite Credit Card , Air India SBI Signature Card , Club Vistara SBI Card PRIME , Axis Bank Vistara Signature Credit Card , Club Vistara SBI Card , Axis Bank Vistara Credit Card , Air India SBI Platinum Card , Club Vistara IDFC FIRST .

IDBI Delight Points: no hotel partner (7): IDBI Bank LIC Eclat Select , IDBI Bank Euphoria World , IDBI Bank Royale Signature , IDBI Bank Winnings , IDBI Bank Aspire Platinum , IDBI Bank Imperium Platinum , IDBI Bank LIC Lumine .

Axis Bank Cashback: no hotel partner (7): Fibe Axis Bank Credit Card , Axis Bank ACE , Flipkart Axis Bank Credit Card , Axis Bank Cashback , Axis Bank Freecharge Plus , Axis Bank SuperMoney RuPay , Airtel Axis Bank Credit Card .

Lufthansa Miles & More: no hotel partner (6): Axis Miles & More World Select , Axis Miles & More World , Deutsche Bank Miles & More Signature , Deutsche Bank Miles & More Platinum , IndusInd Bank Miles & More Signature , IndusInd Bank Miles & More Platinum .

City Union Bank Reward Points: no hotel partner (6): CUB CSK Master Platinum , CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , CUB CSK Master World , CUB SRH Master World .

Federal Bank Reward Points: no hotel partner (5): Federal Bank Imperio , Federal Bank Celesta , Federal Bank Signet , Federal RuPay Wave Credit Card , Federal Bank VALUEMAX Credit Card .

Etihad Guest: no hotel partner (4): BOBCARD Etihad Guest Premium , BOBCARD Etihad Guest , Etihad Guest SBI Premier Card , Etihad Guest SBI Card .

Bandhan Delight Points: no hotel partner (4): Bandhan Bank Lumina Credit Card , Bandhan Bank Flare Credit Card , Bandhan Bank Ignite Credit Card , Bandhan Bank Sparks Credit Card .

Jupiter Jewels: no hotel partner (4): Edge CSB Bank RuPay Credit Card , Edge+ CSB Bank RuPay Credit Card , Edge+ CSB Bank Mastercard Credit Card , Edge Federal Bank Visa Credit Card .

Avios (BA / Qatar / Finnair): no hotel partner (4): IndusInd Avios Visa Infinite , British Airways ICICI Bank Premium , British Airways ICICI Bank Classic , Diners Club International British Airways .

Tata NeuCoins: no hotel partner (4): Tata Neu Infinity HDFC Bank , Tata Neu Infinity SBI Card , Tata Neu Plus HDFC Bank , Tata Neu Plus SBI Card .

Emirates Skywards: no hotel partner (4): Emirates Skywards ICICI Bank Emeralde , Emirates Skywards ICICI Bank Sapphiro , Emirates Skywards ICICI Bank Rubyx , Standard Chartered Emirates World .

LIC Axis Bank Reward Points: no hotel partner (4): LIC Axis Bank Signature , LIC Axis Bank Platinum , LIC Axis Bank Titanium , LIC Axis Bank Gold .

Canara Reward Points: no hotel partner (4): Canara Bank Select / World / Signature , Canara Bank Platinum , Canara Bank Classic / Standard , Canara Bank Gold .

BarclaycardPoints: no hotel partner (4): Yatra Barclaycard Platinum , Barclaycard Gold , Barclays Premier League Barclaycard , Times Card from Barclaycard and TimesofMoney .

ABLE REWARDS Points: no hotel partner (4): Andhra Bank VISA Platinum Credit Card , Andhra Bank VISA Gold Credit Card , Andhra Bank VISA Classic Credit Card , Andhra Bank MasterCard Credit Card .

Scapia Coins: no hotel partner (3): Scapia (Federal Bank) , Scapia (Axis Bank) , Scapia (BOBCARD) .

MakeMyTrip myCash: no hotel partner (3): MakeMyTrip ICICI Bank Platinum , MakeMyTrip ICICI Bank , MakeMyTrip ICICI Bank Signature .

RBL Cashback: no hotel partner (3): RBL Signature Banking , RBL Aspire Banking , RBL Apex .

IRCTC Reward Points: no hotel partner (3): IRCTC SBI Card Premier , IRCTC SBI Platinum Card , IRCTC RBL Bank Credit Card .

SBI Card Cashback: no hotel partner (3): Flipkart SBI Card , CASHBACK SBI Card , Eternal SBI Card .

IOB Reward Points: no hotel partner (3): Indian Overseas Bank RuPay Select , Indian Overseas Bank RuPay Platinum , Indian Overseas Bank RuPay Classic .

SalarySe SCoins: no hotel partner (3): CUB SalarySe Level UP , CUB SalarySe Level UP Virtual , IOB SalarySe Rise UP .

DBS Vantage Points: no hotel partner (2): DBS Altitude , DBS Vantage .

Singapore Airlines KrisFlyer: no hotel partner (2): KrisFlyer SBI Card APEX , KrisFlyer SBI Card .

HSBC Cashback: no hotel partner (2): HSBC Live+ , HSBC RuPay Cashback .

Equitas PowerMiles Points: no hotel partner (2): Equitas PowerMiles , Equitas PowerMiles Secured .

Equitas Selfe Reward Points: no hotel partner (2): Equitas Selfe Credit Card , Equitas Selfe Secured .

Adani Reward Points: no hotel partner (2): Adani One ICICI Bank Signature , Adani One ICICI Bank Platinum .

SpiceJet SpiceClub: no hotel partner (2): SpiceJet Axis Bank Voyage Black , SpiceJet Axis Bank Voyage .

EazyDiner Reward Points: no hotel partner (2): EazyDiner IndusInd Signature , EazyDiner IndusInd Platinum .

Kotak White Pass: no hotel partner (2): Kotak White , Kotak White Reserve .

Zagg Coins: no hotel partner (2): YES Bank Zagg Credit Card , AU Zaggle Credit Card .

PhonePe SBI Card Reward Points: no hotel partner (2): PhonePe SBI Card SELECT BLACK , PhonePe SBI Card PURPLE .

Apollo Health Credits: no hotel partner (2): Apollo SBI Card SELECT , Apollo SBI Card .

Google Pay Stars: no hotel partner (2): Google Pay Flex Axis Bank , Google Pay Flex SBI Card .

Shoppers Stop First Citizen Points: no hotel partner (2): Axis Bank Shoppers Stop Credit Card , First Citizen Citibank Platinum Credit Card .

HDFC PIXEL Times Reward Points: no hotel partner (2): HDFC Bank PIXEL Times Credit Card (Rush) , HDFC Bank PIXEL Times Credit Card (Move) .

IndianOil Fuel Points: no hotel partner (2): IndianOil RBL Bank Credit Card , IndianOil RBL Bank XTRA Credit Card .

Dhanlaxmi Reward Points: no hotel partner (2): Dhanlaxmi Bank RuPay Dhan Samriddhi , Dhanlaxmi Bank RuPay Dhan Vriddhi .

Equitas Tiga Reward Points: no hotel partner (2): Equitas Tiga , Equitas Tiga Secured .

Paytm SBI Card Reward Points: no hotel partner (2): Paytm SBI Card SELECT , Paytm SBI Card .

SyndicateBank Reward Points: no hotel partner (2): SyndicateBank Global Credit Card Classic , SyndicateBank Global Credit Card Gold .

Ixigo AU Reward Points: no hotel partner (1): ixigo AU .

Amazon Pay balance: no hotel partner (1): Amazon Pay ICICI Bank .

Niyo Coins: no hotel partner (1): Niyo Global SBM Credit Card .

IRCTC HDFC Bank Reward Points: no hotel partner (1): IRCTC HDFC Bank Credit Card .

Uni Coins: no hotel partner (1): BOBCARD Uni GoldX .

CheQ Points: no hotel partner (1): CheQ AU Credit Card .

CRED Reward Points: no hotel partner (1): CRED IndusInd Bank RuPay Credit Card .

Slice monies: no hotel partner (1): slice UPI Credit Card .

Axis EDGE Reward Points: no hotel partner (1): Axis Bank Kwik .

Standard Chartered Rewards (EaseMyTrip): no hotel partner (1): Standard Chartered EaseMyTrip .

POPcoins: no hotel partner (1): YES Bank POP-CLUB .

KIWIS: no hotel partner (1): PNB Kiwi .

KVB Reward Points: no hotel partner (1): KVB Eternis Credit Card .

Flipkart SuperCoins: no hotel partner (1): Flipkart Axis Bank Super Elite .

OneCard Reward Points: no hotel partner (1): OneCard Metal .

Fi-Points: no hotel partner (1): MagniFi (Federal Bank) .

Diners Club Rewards Points (Citibank India): no hotel partner (1): Taj Epicure Diners Club .

Citibank Hutch Talk Points: no hotel partner (1): Hutch Citibank Credit Card .

Citibank Maruti Auto Points: no hotel partner (1): Maruti Suzuki AutoCard .

Citibank IndianOil Turbo Points: no hotel partner (1): IndianOil Citibank Credit Card .

Citibank Cash Reward Points: no hotel partner (1): Citi Titanium Cash Rewards Credit Card .

ABN AMRO Smart Miles: no hotel partner (1): ABN AMRO Smart Miles Titanium .

HSBC Spencer's Retail Reward Points: no hotel partner (1): HSBC Spencer's Retail Classic .

SBI Railway Points: no hotel partner (1): SBI Railway Card .

SBI Maruti Auto Points: no hotel partner (1): SBI Maruti Card .

Practo HealthCash: no hotel partner (1): RBL Bank Practo Plus Credit Card .

HDFC Diners Club Black Metal. ₹75,000 a month on it becomes 20,012 Accor Live Limitless (ALL) points a year at ₹75,000/mo (4.4 pts/₹100 at 2:1), worth ₹43,000 — ₹43,000 of hotel points a year after its fee (₹10,000/yr). Hotel points are not comparable to each other one for one, so the ranking is in rupees: a Bonvoy point and an Accor point are worth what a night costs, and our valuation index prices each one separately.

58 of the 990 Indian personal cards we track are ranked here. 593 are listed unranked with the computed reason — no route into a hotel program we price — because a card we can't rank honestly gets named, not hidden. A further 339 are carried but not valued at all — 51 with no annual fee any issuer document states, 241 whose issuer has not published how the card earns, 47 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /cards/best/business, because pricing an MSME card against a personal wallet answers a question nobody asked.

The records behind this board — the hotel-transfer ratios we could re-read, and the house marks on the programs they land in — carry re-verification dates from 9 Jul 2026 to 24 Oct 2026; the ranking is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.

5 of the 58 ranked here are lifetime free. The best on net ₹/yr in hotel points at ₹75,000/mo is HSBC Platinum at ₹17,300. This board's call, HDFC Diners Club Black Metal, costs ₹10,000/yr and reaches ₹43,000 — that gap is what the fee buys.

On what this board ranks — net ₹/yr in hotel points at ₹75,000/mo — yes: ₹43,000 against ₹31,400. That is the whole claim, and a narrow one. HSBC TravelOne takes our transfers and first travel card boards instead. No card wins overall: 24 boards, 24 questions.