New Delhi, June 23 -- Looking to earn free flight tickets and hotel stays through your credit card reward points? It's not as simple as picking one "best" card, experts say. The ideal choice depends largely on how much you spend annually and what categories you spend on, said Sumanta Mandal, founder, Technofino, a digital platform that reviews credit cards and other banking products.

"It depends on both the spending volume and the categories-whether it's discretionary spends like travel and shopping, or recurring expenses of utilities, groceries and fuel," he explained.

Most travel-focused cards offer the highest rewards on discretionary expenses. While it's possible to earn points on routine expenses like utilities, groceries, and even...