Category
Hotels
Hotel and homestay bookings. A card falls back to its general travel rate unless it prices hotels on their own.
No card in your wallet earns rewards on hotels yet.
When you add a card that does, it will rank here automatically.
Best in market
The same two portals, but hotels pay roughly double what flights do because the multipliers are higher. If you only ever use a bank portal for one thing, make it hotels. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
ICICI Bank Emeralde Private Metal
36% back on hotels through iShop, the single highest rate on this site
₹12,499 + GST, waived on ₹10L a year
No category on any card in the catalogue pays more than this. A ₹40,000 hotel stay returns roughly ₹14,000 of value, which is a different order of magnitude to normal card earning.
The same shared 18,000 bonus point monthly ceiling applies, and at 36% you reach it in about ₹50,000 of hotel spend. Plan bookings across months if you can.
HDFC Bank Diners Club Black Metal Edition
33.33% on hotels via SmartBuy at 10X, nearly identical for less fee
₹10,000 + GST, waived on ₹8L in 12 months
Effectively the same proposition as the leader at a lower annual fee, and the 10X hotel rate is the strongest thing this card does.
The 10,000 point monthly cap is reached at only about ₹33,000 of hotel spend at 10X, so the ceiling arrives sooner here than on flights. Past it the rate falls to 3.33%.
Your wallet · Hotels
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on hotels. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on hotels at your spend. raw rates, before caps.
Every card in your wallet is excluded from hotels. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.