Best Hotel Credit Cards in India 2026

When thinking of options that can make one’s travel convenient and luxurious, we often think of benefits like complimentary lounge access, Air Miles, ticket upgrades, etc. Yet, for frequent travellers, spends on hotel bookings significantly impact overall travel budget. With the right hotel credit card, individuals can not only save on hotel bookings but can also earn free stays or complimentary memberships of renowned hotel chains like JW Marriott. Using a credit card with hotel membership, individuals can earn accelerated rewards, discount on hotel bookings, and complimentary room upgrades at no extra cost. Nonetheless, these advantages are typically offered with premium credit cards that come with a high annual fee. To help you find the best credit card for hotel stays in India, we have curated a list of premium credit cards that provide discounts and other offers on hotel stays and can help you enhance your savings.

Compare Best Hotel Credit Cards in India (Feb 2026)

HSBC Taj Credit Card

4_/5

Joining fee: ₹110000

Annual/Renewal Fee: ₹110000

25% savings on room/suite stay at Taj Palaces, Safaris and other properties

Free access to The Chambers Lounge and Taj Club Lounge

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• Taj InnerCircle Platinum NeuPass membership with benefits like priority/early check-ins, late check-outs, etc.
• Unlimited room upgrades and 25% savings on room/suite at Taj Palaces, Safaris and other properties
• 4 free set meal for two vouchers at Taj and other participating restaurants
• 25% savings on food and beverages, including Qmin deliveries
• Complimentary 60-minute spa treatment (up to 4 a year), plus access to the sauna and steam room

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Marriott Bonvoy HDFC Credit Card

3_/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends

12 airport lounge access each within and outside India per year

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• 1 free night award and 10 Elite night credits as joining bonus
• 2 complimentary golf access with green fee waiver per quarter across the world
• 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
• 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
• 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends

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Axis Bank Reserve Credit Card

3.5_/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Unlimited domestic & international lounge visits via Priority Pass

Low forex mark-up fee of 1.5% with 2X reward points on international spends

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• Up to 30 EDGE reward points for every Rs. 200 spent
• B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
• ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
• 50 free golf rounds every year across select golf courses in India

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HDFC Infinia Credit Card

4_/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

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• 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
• Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
• 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
• Access to unlimited golf games and lessons across premium golf courses worldwide
• Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
• Low forex mark-up fee of 2%

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ICICI Emeralde Private Metal Credit Card

4_/5

Joining fee: ₹12499

Annual/Renewal Fee: ₹12499

Taj Epicure & EazyDiner Prime memberships

Unlimited airport lounge visits

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• Rs. 3,000 EaseMyTrip vouchers on reaching each annual spending milestone of Rs. 4 Lakh and Rs. 8 Lakh
• Unlimited golf lessons or rounds every month on creating a Golftripz account
• EazyDiner membership, up to 50% off on dining in India & Dubai; 2,000 EazyPoints on joining
• Buy 1 ticket and get up to Rs. 750 off on the 2nd ticket on BookMyShow bookings, twice a month
• 1% fuel surcharge waiver of up to Rs. 1,000 per month on fuel transactions below Rs. 4,000
• Low forex markup fee of 2%

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Axis Atlas Credit Card

4_/5

Joining fee: ₹5000

Annual/Renewal Fee: ₹5000

2.5X EDGE Miles on Travel spends

Up to 12 international and 18 domestic lounge access every year

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• Up to 2,500 bonus EDGE Miles as welcome benefit
• Up to 5 EDGE Miles per Rs. 100 spent on travel
• Redeem EDGE Miles at value of 1 EDGE Mile = 2 Partner Points
• Milestone benefits of up to 5,000 EDGE Miles
• Up to 5,000 EDGE Miles as milestone benefit

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Top Hotel Credit Cards in India 2026

Here is a list of general and co-branded hotel credit cards offering benefits in the form of complimentary memberships, accelerated rewards/ cashback on hotel bookings, free stays, and much more.

1. HSBC Taj Credit Card

Joining Fee: Rs. 1.10 Lakh + Applicable Taxes
Annual Fee: Rs. 1.10 Lakh + Applicable Taxes

Hotel-related Benefits:

• Free night stay with breakfast at Taj Palace hotel and 2 night stay at participating hotels
• Taj InnerCircle Platinum NeuPass Membership with priority check-ins, late check-outs, 24×7 Platinum concierge service, etc.
• Free access to India’s premier executive business clubs – The Chambers Lounge and Taj Club Lounge with coffee/tea for 2
• Unlimited room upgrades at participating hotels
• 25% off on room/suite at Taj Palaces, Safaris and other properties
• Free 4 set meals for 2 at Taj and other participating restaurants
• 25% off on food and beverages, including Qmin deliveries at Taj Hotels

Other Benefits:

• 5 reward points per Rs. 100 spent on participating hotel chains
• 5 reward points per Rs. 100 spent, where 1.5 reward point = Rs. 1 as HSBC Taj card wallet balance
• 50% off at Starbucks, four times a month
• Up to 25% off at Tira, PVR Cinemas, Zomato, Swiggy, Croma and Just In Time

HSBC Taj Credit Card is a super-premium co-branded hotel credit card suitable for those who prefer to stay at properties under the IHCL Group, including Taj, Vivanta, SeleQtions, etc. This card is designed for high-net-worth individuals who prefer to have luxury stay experiences during their travels. With benefits like complimentary stays, hotel and club memberships, room upgrades with discounted meals and experiences, this card checks all the boxes when it comes to being a hotel credit card. Besides this, direct discounts on popular brands, including Tira, Zomato, Swiggy, Starbucks and PVR Cinemas, add to the card’s overall value.

2. Marriott Bonvoy HDFC Credit Card

Joining Fee: Rs. 3,000 + Applicable Taxes
Annual Fee: Rs. 3,000 + Applicable Taxes

Hotel-related Benefits:

• 1 Free Night Award (up to a value of 15,000 Marriott Bonvoy Points)
• Complimentary Marriott Bonvoy Silver Elite Status
• 10 Elite Night Credits that can be used for room and membership upgrade
• 1 Free Night Award on spending Rs. 6 Lakh in an anniversary year
• 1 Free Night Award on spending Rs. 9 Lakh in an anniversary year
• 1 Free Night Award on spending Rs. 15 Lakh in an anniversary year

Other Benefits:

• 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
• 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
• 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
• 12 complimentary lounge visits every year outside India
• 12 complimentary lounge visits every year, within India at both domestic and international terminals

Marriott Bonvoy HDFC Credit Card is India’s first co-branded hotel credit card designed for Marriott loyalists. This co-branded credit card offers benefits on Marriott-owned properties around card activation, milestone benefits, reward earning, and redemption. Cardholders can earn Marriott Bonvoy Points and redeem them against travel services or stays at luxury hotels. This card is a suitable option for consumers who frequently travel and prefer to stay at Marriott-owned properties. However, if you are seeking broader travel benefits, such as discounts across multiple hotel chains or discounts on hotel bookings, cards like Axis Reserve and American Express Platinum Charge Card would be a better choice.

3. American Express® Platinum Charge Card

Joining Fee: Rs. 66,000 + Applicable Taxes
Annual Fee: Rs. 66,000 + Applicable Taxes

Hotel-related Benefits:

• Complimentary hotel benefits, such as room upgrades, free breakfast, late checkout and more worth Rs. 44,300 at some of the finest hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more
• 25% off at Taj, SeleQtions and Vivanta Hotels
• 50% off on Suites at Oberoi Hotels and Resorts
• Third night free, a dinner for two, and spa service on booking minimum 2 nights at 10 select Lalit Properties in India
• Complimentary hotel memberships of Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Elite Status, Taj Reimagined Epicure Plus, Radisson Rewards Premium Status, Hertz Gold Plus Rewards®, Accor Plus Traveller, The Postcard Hotel Sunshine Club and I Prefer – Titanium at The Leela Hotels & Resorts, Dusit Thani and more
• Vouchers worth up to Rs. 35,000 from Taj Hotels, Reliance Brands Limited (Luxe Gift Card), Postcard Hotels & Resorts on spending Rs. 20 Lakh in a year
• Vouchers worth up to Rs. 60,000 on spending Rs. 50,000 in first two months of card membership and on payment of annual fee*

Other Benefits:

• Complimentary lounge access to over 1,300 airport lounges across the globe via American Express Global Lounge Collection
• Exclusive deals and offers on popular airlines, including Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta Airlines and more
• Unlimited complimentary games and lessons at 30+ golf courses in India and 50+ golf courses worldwide
• 1 Membership Reward Point for every Rs. 40 spent
• 3X Membership Reward Points on all international spends
• 5X Membership Reward Points on spends at popular brands like Myntra, Apple, Dyson, MakeMyTrip and more through Reward Multiplier

American Express® Platinum Card is a super premium charge card with no preset spending limit. It is designed for high spenders seeking luxury travel and lifestyle benefits. The card offers complimentary membership to multiple hotel loyalty programs, including Taj Group, Hilton, Marriott, Radisson, and more. Additionally, complimentary access to 1,300+ lounges globally, unlimited golf games, exclusive deals and discounts at popular airlines and invitations to VIP events make this card a suitable option for high spenders. While it has a relatively low reward rate compared to other super premium cards, American Express® Platinum Card stands out due to its multiple redemption options, premium travel, and lifestyle benefits.

*Cardholders can choose from these options: Taj Hotels & Palaces worth Rs. 50,000, or Reliance Brand (Luxe Gift Cards) worth Rs. 35,000 or Postcard Hotels & Resorts worth Rs. 60,000.

4. Axis Bank Reserve Credit Card

Joining Fee: Rs. 50,000 + Applicable Taxes
Annual Fee: Rs. 50,000 + Applicable Taxes

Hotel-related Benefits:

• ITC Culinaire Membership with benefits like third night stay free, 50% off on all day dining restaurants, 25% green points on food & beverage spends
• Accor Plus Membership with benefits such as 1-night free stay at all Asia pacific region, free room upgrades, up to 50% off on dining and free lunch buffet for 2 across all Accor Hotels in India
• Club Marriott Asia Pacific Membership with benefits such as 20% discount on food and beverages, 20% discount on best available rates at select Marriott hotels in India and 20% discount on weekend rates in Asia Pacific region
• Exclusive benefits at Oberoi Hotels and Resorts, including 15% off on room only rate, room with breakfast rate or on third night stay, 50% off on best available rates on suites
• Postcard Hotel Offers, including 20% off on best available room rate, anytime check-in and check-out, free lifestyle consultation at Goa hotels

Other Benefits:

• Priority Pass membership with free unlimited international lounge visits for both primary and add-on cardholders, along with 12 free visits for guests
• Free unlimited domestic lounge visits for both primary and add-on cardholders along with 12 free guest visits
• Up to 25% off at premium restaurants via complimentary EazyDiner Prime membership
• 50 free golf rounds every year across select golf courses in India
• 15 EDGE reward points for every Rs. 200 spent
• 30 EDGE reward points for every Rs. 200 spent internationally

Axis Bank Reserve Credit Card is a super-premium credit card designed to offer benefits across multiple categories, including travel, dining, lifestyle, and much more. However, this premium card primarily caters to the travel category with benefits like complimentary hotel memberships, free stays at top hotels, and discounts on hotel bookings, making it a suitable option for people who want to save on their hotel stays. Besides hotel benefits, the lounge access benefits offered on this card are possibly the best in the market, with unlimited complimentary lounge access worldwide along with guest visits. Frequent travellers can also save on their travel spends by redeeming the accumulated reward points against partner airlines or hotel loyalty points at a 5:2 ratio. Overall, this card is a good option for high spenders who also travel often.

5. HDFC Infinia Metal Credit Card

Joining Fee: Rs. 12,500 + Applicable Taxes
Annual Fee: Rs. 12,500 + Applicable Taxes

Hotel-related Benefits:

• Book stay for 3-nights and pay for two at participating ITC hotels
• 1+1 complimentary weekend buffet at participating ITC hotels
• Club Marriott membership for the first year with benefits such as up to 20% discount on dining and stay across Asia – Pacific region

Other Benefits:

• Unlimited airport lounge access across the globe for primary and add-on card member
• Low forex markup fee of 2%
• 5 reward points for every Rs. 150 spent
• 10X reward points on travel & shopping expenses through SmartBuy
• Unlimited complimentary golf games at participating golf courses in India and abroad

HDFC Bank Infinia Credit Card is an invite-only credit card offered to select customers of HDFC Bank. This credit card is suitable for high spenders who frequently travel and want to avail benefits across rewards, shopping, travel, and other categories. With a reward rate of up to 33.33% on SmartBuy spends and 3.33% on other spends, cardholders can make the most of it by putting high-value purchases on this card. Additionally, cardholders can also save on travel expenses by redeeming the reward points against travel bookings or Airmiles at a 1:1 ratio. The card also offers exclusive hotel benefits at ITC Hotels and Club Marriott, making it a suitable option for consumers looking to save on their hotel stays. Overall, with a reward rate of up to 33.33% and decent hotel & travel benefits, this card is a suitable option for high spenders looking to save on their travel spends.

6. ICICI Emeralde Private Credit Card

Joining Fee: Rs. 12,499 + Applicable Taxes
Annual Fee: Rs. 12,499 + Applicable Taxes

Hotel-related Benefits:

• Complimentary Taj Epicure membership for the first year from the date of card issuance with benefits like complimentary night stays, 25% off on F&B, a one-time use voucher for 20% off on room/suites at select hotels, etc.
• 12X reward points on hotel bookings through iShop
• Redeem reward points against hotel vouchers at a 1:1 ratio
• Refund of up to Rs. 12,000 annually on maximum of 2 air travel or hotel booking cancellations

Other Benefits:

• EaseMyTrip air travel vouchers worth Rs. 3,000 on reaching each annual spends of Rs. 4 Lakh and Rs. 8 Lakh
• 6 ICICI reward points on every Rs. 200 spent on grocery, education, insurance and utilities
• Complimentary unlimited international and domestic airport lounge visits
• Buy 1 ticket and get up to Rs. 750 off on the 2^nd ticket on BookMyShow bookings, twice a month

ICICI Bank Emeralde Private Metal Credit Card is a premium card offering benefits across different categories and popular brands. Cardholders can get complimentary Taj Epicure Membership along with 12X rewards on hotel bookings via iShop to save on their hotel spends. Besides this, the card also offers 3% rewards across all spends, a 1:1 reward redemption ratio, complimentary lounge access, and much more, making it a suitable option for frequent travellers. Overall, ICICI Emeralde Private Card comes out as an all-rounder option for consumers seeking premium travel and lifestyle benefits.

7. Axis Bank Atlas Credit Card

Joining Fee: Rs. 5,000 + Applicable Taxes
Annual Fee: Rs. 5,000 + Applicable Taxes

Hotel-related Benefits:

• 2 EDGE Miles per Rs. 100 spent across monthly travel spends above Rs. 2 Lakh
• 5 EDGE Miles per Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
• Redemption of EDGE Miles at a 1:2 ratio against partner hotel loyalty points, including Accor Hotels, Wyndham Hotels, ITC Hotels, Marriott International, etc.

Other Benefits:

• 2,500 bonus EDGE Miles on making the first transaction within 37 days of card setup
• 2 EDGE Miles per Rs. 100 spent across other categories
• Up to 12 complimentary international lounge visits every year
• Up to 18 complimentary domestic lounge visits in a year
• Milestone benefit of up to 5,000 EDGE Miles

Axis Atlas is an airline-agnostic travel credit card that offers EDGE Miles on every spend, which you can redeem against hotel and flight bookings. Cardholders can redeem EDGE Miles against partner hotel loyalty programs at a 1:2 ratio, along with redemption against the Travel Edge portal at a 1:1 ratio, offering significant savings on hotel bookings. Additionally, complimentary lounge access and bonus EDGE Miles make this card a reasonable choice for frequent travellers who are not loyal to a specific brand.