Cryptic crossword clue
Offer of accommodation fine mostly, holiday in capital lacking luxury, initially 3,3,9

The most common and most likely answer to this crossword clue is the 3 plus 3 plus 9 letter word BED AND BREAKFAST

I've seen this crossword clue in The Guardian
B
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D
A
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D
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A
K
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Buddy explains!

The straight part
We know that "Offer of accommodation" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case offer of accommodation = bed and breakfast.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does BED AND BREAKFAST mean?

BED AND BREAKFAST noun
  1. A private home, guesthouse, etc. where guests are provided overnight accommodations and served breakfast but usually no other meals.
BED AND BREAKFAST noun
  1. A score of 26, made up of a score of 20, 1 and 5 in any order.

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