Beta data. Numbers are community-sourced and may be out of date. Every value links to the issuer page — always verify before applying.
Find the cheapest way to pay for one purchase — after the booking channel's price difference and the reward your card earns there. The highest reward doesn't always win: a bank portal's markup and blocked coupons can outweigh a fat accelerator. Markups are research-based estimates (dynamic pricing varies daily) — paste a real quote to firm any of them up. This is separate from the reward calculator; it reads card reward rates, it doesn't change them.
Net cost = price + channel markup − discount − reward value. Markups are estimates shown as ranges; when two ranges overlap it's a near-tie.
Winner: HDFC SmartBuy + Infinia 10X + 10% off (cap ₹500) — about ₹5,160 out of pocket. The highest-reward channel isn't always this one; the markup and any blocked coupon are netted in.
Estimates. Markups vary with dynamic pricing; rewards assume you book on the stated channel and redeem as noted. Bank instant discounts are mostly sale-only — confirm the actual price before you pay.