Best cards by merchant

The best Indian credit card for each of 255 merchants, from Amazon and Swiggy to fuel and rent, with each card's effective return there and its caps.

• AJIO (top: HSBC Live+ Credit Card, 10%)
• AbhiBus (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Accor (Sofitel, Pullman, Novotel, ibis and others) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Acko (top: HSBC Premier Credit Card, 3%)
• Adani Electricity (top: HSBC Live+ Credit Card, 10%)
• Adani One (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Adani-managed airports (participating outlets) (top: HSBC Live+ Credit Card, 10%)
• Aditya Birla Capital
• Aditya Birla Fashion and Retail (top: HSBC Live+ Credit Card, 10%)
• Aditya Birla Wellness
• Agoda (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Air Canada (top: HSBC TravelOne Credit Card, 8.48%)
• Air France-KLM (Air France, KLM) (top: HSBC TravelOne Credit Card, 8.48%)
• Air India (top: HSBC TravelOne Credit Card, 8.48%)
• Air India Express (top: HSBC TravelOne Credit Card, 8.48%)
• AirAsia (top: HSBC TravelOne Credit Card, 8.48%)
• Airbnb (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Airtel (top: HSBC Live+ Credit Card, 10%)
• Akasa Air (top: HSBC TravelOne Credit Card, 8.48%)
• Allahabad Bank
• Amazon (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Amazon Pay (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Apollo (OneApollo services) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Apollo 24|7 (top: Apollo SBI Card SELECT, 10%)
• Apollo Pharmacy (top: Apollo SBI Card SELECT, 10%)
• Apple (Imagine Tresor) (top: HSBC Live+ Credit Card, 10%)
• BPCL (top: BPCL SBI Card OCTANE, 6.25%)
• BSNL (top: HSBC Live+ Credit Card, 10%)
• Bajaj Finserv
• Bank of Maharashtra
• BankBazaar
• Barbeque Nation (top: HSBC Live+ Credit Card, 10%)
• Bata (top: HSBC Live+ Credit Card, 10%)
• Best Price Modern Wholesale (Walmart India cash-and-carry stores) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• BharatPe
• BigBasket (top: HSBC Live+ Credit Card, 10%)
• Blinkit (top: HSBC Live+ Credit Card, 10%)
• BookMyShow (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Booking.com (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• British Airways (top: HSBC TravelOne Credit Card, 8.48%)
• Burger King (top: HSBC Live+ Credit Card, 10%)
• CRED (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• CSC e-Governance Services (Common Service Centres)
• Canteen Stores Department (CSD) (top: HSBC Live+ Credit Card, 10%)
• CaratLane (top: BOBCARD Cashback, 5%)
• Cathay Pacific (top: HSBC TravelOne Credit Card, 8.48%)
• Central (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Central Bank of India
• CheQ
• Chennai Super Kings (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• City Union Bank
• ClearTax (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Cleartrip (top: HSBC TravelOne Credit Card, 8.48%)
• ConfirmTkt (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Croma (top: HSBC Live+ Credit Card, 10%)
• Cult.fit (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• DMI Finance
• DMart (Avenue Supermarts) (top: HSBC Live+ Credit Card, 10%)
• Da Milano (top: HSBC Live+ Credit Card, 10%)
• Decathlon (top: HSBC Live+ Credit Card, 10%)
• Delhi Metro Rail Corporation (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Digit (top: HSBC Premier Credit Card, 3%)
• District (top: Eternal SBI Card, 10%)
• Domino's (top: HSBC Live+ Credit Card, 10%)
• EaseMyTrip (top: HSBC TravelOne Credit Card, 8.48%)
• EazyDiner (top: HSBC Live+ Credit Card, 10%)
• Emirates (top: HSBC TravelOne Credit Card, 8.48%)
• Equitas Small Finance Bank
• Ethiopian Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• Etihad Airways (top: HSBC TravelOne Credit Card, 8.48%)
• Expedia (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Fabindia
• Fastrack (top: Titan SBI Card, 7.5%)
• Fi (Fi Brand Pvt Ltd, epiFi)
• Fibe (Social Worth Technologies, formerly EarlySalary)
• Finnair (top: HSBC TravelOne Credit Card, 8.48%)
• FirstCry (top: HSBC Live+ Credit Card, 10%)
• Flipkart (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Flipkart Wholesale (online platform) (top: HSBC Live+ Credit Card, 10%)
• Freecharge app (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Freo
• Goibibo (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Google Ads (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Google Pay (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• GyFTR (top: BOBCARD Cashback, 5%)
• H&M (top: HSBC Live+ Credit Card, 10%)
• HDFC Bank SmartPay
• HP Pay
• HPCL (top: IDFC FIRST Bank FIRST Power+ Credit Card (HPCL), 5%)
• Harley-Davidson (authorised dealers: merchandise and services) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Helios Watch Store (top: Titan SBI Card, 7.5%)
• Hilton (Hilton, Conrad, Hampton and others) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• IDFC FIRST Bank app UPI (Scan & Pay)
• IGP (top: HSBC Live+ Credit Card, 10%)
• IHCL (Taj, SeleQtions, Vivanta, Ginger) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• IHG Hotels & Resorts (InterContinental, Holiday Inn and others) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• IKEA India (stores, app and website) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• IRCTC (top: IRCTC SBI Card Premier, 10%)
• ITC Hotels (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• IndiGo (top: HSBC TravelOne Credit Card, 8.48%)
• Indian Medical Association
• IndianOil (top: IndianOil RBL Bank XTRA Credit Card, 7.5%)
• InterMiles (flights on intermiles.com and hotels on interbook.intermiles.com) (top: HSBC TravelOne Credit Card, 8.48%)
• Irth (top: Titan SBI Card, 7.5%)
• Japan Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• Jio (top: HSBC Live+ Credit Card, 10%)
• Jio-bp (top: IndusInd Bank Jio-bp Mobility+ Credit Card, 3%)
• JioHotstar (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• JioMart (top: HSBC Live+ Credit Card, 10%)
• Jockey (top: HSBC Live+ Credit Card, 10%)
• Jupiter
• KFC (top: HSBC Live+ Credit Card, 10%)
• Karnataka Bank
• Karur Vysya Bank
• Kiwi (Gokiwi Tech)
• Kredit.Pe
• KreditPe
• LIC premium payments (through official LIC payment gateways) (top: HSBC Premier Credit Card, 3%)
• Lakmé Salon (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Landmark Group stores (Lifestyle, Home Centre, Max, Spar, EasyBuy, Babyshop) (top: HSBC Live+ Credit Card, 10%)
• Lenskart (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Lifestyle (top: HSBC Live+ Credit Card, 10%)
• Lufthansa Miles & More (Miles & More International GmbH)
• Luxe Gift Card
• Magnet
• MakeMyTrip (top: HSBC TravelOne Credit Card, 8.48%)
• MakeMyTrip holiday packages (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Manchester United
• Marks & Spencer (top: HSBC Live+ Credit Card, 10%)
• Marriott Bonvoy hotels (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Max Fashion (top: HSBC Live+ Credit Card, 10%)
• McDonald's (top: HSBC Live+ Credit Card, 10%)
• MedPlus (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Meesho (top: HSBC Live+ Credit Card, 10%)
• Meta Ads (Facebook and Instagram advertising) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Mia by Tanishq (top: Titan SBI Card, 5%)
• MobiKwik (One MobiKwik Systems)
• MoneyTap
• More (top: HSBC Live+ Credit Card, 10%)
• Myntra (top: Flipkart Axis Bank Credit Card, 7.5%)
• Namma Yatri (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Nature's Basket
• Nayara Energy (top: Kotak Cashback+ Credit Card, 3%)
• Netflix (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Netmeds (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Niyo (Finnew Solutions)
• Nykaa (top: HSBC Live+ Credit Card, 10%)
• OYO (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Oberoi Hotels & Resorts (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Ola (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• OneCard (FPL Technologies)
• POPclub
• PVR INOX (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Paisabazaar (PB Fintech)
• Pantaloons (top: HSBC Live+ Credit Card, 10%)
• Patanjali (stores, website and app) (top: HSBC Live+ Credit Card, 10%)
• PayZapp (HDFC Bank's payments and shopping app) (top: HSBC Live+ Credit Card, 10%)
• Paytm (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Pepperfry (top: HSBC Live+ Credit Card, 10%)
• PharmEasy (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• PhonePe (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Pine Labs
• Pizza Hut (top: HSBC Live+ Credit Card, 10%)
• PolicyBazaar (top: HSBC Premier Credit Card, 3%)
• Poonawalla Fincorp
• Prime Video (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Punjab & Sind Bank
• Purplle (top: HSBC Live+ Credit Card, 10%)
• Qantas (top: HSBC TravelOne Credit Card, 8.48%)
• Qatar Airways (top: HSBC TravelOne Credit Card, 8.48%)
• Qmin (top: HSBC Live+ Credit Card, 10%)
• Radisson Hotel Group (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Rapido (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Reliance Digital (top: HSBC Live+ Credit Card, 10%)
• Reliance Retail participating stores (Trends, Reliance Jewels, Fashion Factory, Smart and others) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Reliance Smart Bazaar (stores) (top: HSBC Live+ Credit Card, 10%)
• Reliance Smart SuperStore (Reliance Fresh, Reliance Smart, Sahakari Bhandar) (top: HSBC Live+ Credit Card, 10%)
• Reliance Trends (top: HSBC Live+ Credit Card, 10%)
• Rupeek (Rupeek Fintech)
• SASTRA Deemed University
• SalarySe
• Samsung (stores, eStore and Shop app) (top: HSBC Live+ Credit Card, 10%)
• Scapia app (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Sephora (top: HSBC Live+ Credit Card, 10%)
• Shell (top: Kotak Cashback+ Credit Card, 3%)
• Shoppers Stop (stores, website and app) (top: HSBC Live+ Credit Card, 10%)
• Singapore Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• Skinn by Titan (top: Titan SBI Card, 7.5%)
• Snapdeal (top: HSBC Live+ Credit Card, 10%)
• Sonata (top: Titan SBI Card, 7.5%)
• Sony LIV (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• South Indian Bank
• Spencer's (top: HSBC Live+ Credit Card, 10%)
• SpiceJet (top: HSBC TravelOne Credit Card, 8.48%)
• Spotify (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Stable Money
• Star Bazaar (top: HSBC Live+ Credit Card, 10%)
• Star Health (top: HSBC Premier Credit Card, 3%)
• Starbucks (top: HSBC Live+ Credit Card, 10%)
• Sunrisers Hyderabad (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Swiggy (top: HSBC Live+ Credit Card, 10%)
• Swiggy Dineout (top: HSBC Live+ Credit Card, 10%)
• Swiggy Instamart (top: HSBC Live+ Credit Card, 10%)
• TVS Credit Services
• Taneira (top: HSBC Live+ Credit Card, 10%)
• Tanishq (top: Tata Neu Infinity HDFC Bank Credit Card, 5%)
• Tata 1mg (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Tata CLiQ (top: HSBC Live+ Credit Card, 10%)
• Tata CLiQ Luxury (top: HSBC Live+ Credit Card, 10%)
• Tata Neu (top: HSBC Live+ Credit Card, 10%)
• Tata Pay bill payments (top: HSBC Live+ Credit Card, 10%)
• Tata Play (top: HSBC Live+ Credit Card, 10%)
• Tata Power (top: HSBC Live+ Credit Card, 10%)
• Tata group outlets (Croma, Westside, Star Bazaar, Titan, Tanishq, Tata CLiQ, Landmark)
• Thai Airways (top: HSBC TravelOne Credit Card, 8.48%)
• The Nainital Bank
• The Orchid Hotels (Kamat Hotels) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• The Postcard Hotel (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Tiger (Tiger Fintech, a Bajaj Capital group company)
• Times Internet
• Times Prime
• Tira (top: HSBC Live+ Credit Card, 10%)
• Titan (top: Titan SBI Card, 7.5%)
• Titan Eye+ (top: Titan SBI Card, 7.5%)
• Trent (top: HSBC Live+ Credit Card, 10%)
• Turkish Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• UCO Bank
• Uber (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Ujjivan Small Finance Bank
• Uni
• Uniqlo (top: HSBC Live+ Credit Card, 10%)
• United Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• Urban Company (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Vi (top: HSBC Live+ Credit Card, 10%)
• Vietnam Airlines (top: HSBC TravelOne Credit Card, 8.48%)
• Vijay Sales (top: HSBC Live+ Credit Card, 10%)
• Vistara (Tata SIA Airlines; merged into Air India on 2024-11-12) (top: HSBC TravelOne Credit Card, 8.48%)
• Westside (top: HSBC Live+ Credit Card, 10%)
• Wyndham Hotels & Resorts (Ramada, Wyndham and others) (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Yatra (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• YouTube Premium (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• ZET
• Zagg
• Zaggle (zagg.money)
• Zara (top: HSBC Live+ Credit Card, 10%)
• Zepto (top: HSBC Live+ Credit Card, 10%)
• Zomato (top: Eternal SBI Card, 10%)
• Zoomcar (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• Zoya (top: Titan SBI Card, 5%)
• Zudio (top: HSBC Live+ Credit Card, 10%)
• fbb (top: HSBC Live+ Credit Card, 10%)
• ixigo (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• novio (Credilio)
• redBus (top: IDFC FIRST Bank FIRST Private Credit Card, 6.67%)
• super.money (Scapic Innovations)