CardAgent

Best credit cards for domestic flights and hotels (2026)

Ranked cards for domestic travel spend — flights, hotel bookings, and rail — including OTA-boosted portals like SmartBuy and Axis Travel Edge.

  1. 1
    SBI Card
    SBI Air India Signature Credit Card
    7.5% on Domestic flights & hotels₹1,770/yr incl. GST
    Up to 30 Reward Points per Rs 100 spent on Air India tickets booked through airindia.com
    41
  2. 2
    Axis Bank
    Axis Reserve Credit Card
    7.5% on Domestic flights & hotels₹59,000/yr incl. GST
    2X points on international card spending
    22
  3. 3
    HDFC Bank
    Swiggy HDFC Bank Credit Card
    5% on Domestic flights & hotels₹590/yr incl. GST
    2% travel (estimated)
    88
  4. 4
    HDFC Bank
    HDFC 6E Rewards XL Indigo Credit Card
    5% on Domestic flights & hotels₹1,770/yr incl. GST
    58
  5. 5
    Axis Bank
    Flipkart Axis Bank Credit Card
    5% on Domestic flights & hotels₹590/yr incl. GST
    2% travel (estimated)
    58
  6. 6
    ICICI Bank
    ICICI Adani One Signature Credit Card
    5% on Domestic flights & hotels₹5,900/yr incl. GST
    37
  7. 7
    Federal Bank
    Federal Bank Scapia Credit Card
    4% on Domestic flights & hotelsLifetime free
    20 Scapia Coins per ₹100 on travel bookings via the Scapia app; effective value ~4% at ₹0.20 per coin.
    53
  8. 8
    Kotak Mahindra Bank
    White Reserve Credit Card
    4% on Domestic flights & hotels₹11,800/yr incl. GST
    42

How we rank

We compute an effective % back for each card's Domestic flights & hotels reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Do OTA portals give better rates?

Yes — HDFC SmartBuy, Axis Travel Edge, and ICICI iShop routinely give 5–10× accelerated points on domestic hotel/flight bookings.

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