Which credit card pays the most on government in India?
Of the cards whose terms were read off the issuer, HSBC Live+ (HSBC) publishes the highest rate on government in India: 10.00% (INR 999 a year, waived above INR 200,000 of spending a year). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
16 read cards · India · government
The answer, from 16 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 10.00% | HSBC Live+checkedHSBC · INR 999 a year, waived above INR 200,000 of spending a year · checked 18 Sep 2026 |
| 2 | 1.00% | IDFC FIRST Hello CashbackcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 3 | 0.75% | ICICI Emeralde Private MetalcheckedICICI Bank · INR 12,499 a year, waived above INR 1,000,000 of spending a year · checked 19 Sep 2026at most INR 250 back a month |
| 4 | 0.50% | IDFC FIRST Quantum+checkedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 5 | 0.35% | IndusInd Avios Visa InfinitecheckedIndusInd Bank · fee not read · checked 20 Sep 2026 |
| 6 | 0.25% | ICICI CoralcheckedICICI Bank · INR 500 a year, waived above INR 150,000 of spending a year · checked 19 Sep 2026 |
| 7 | 0.25% | ICICI EmeraldecheckedICICI Bank · INR 12,000 a year, waived above INR 1,000,000 of spending a year · checked 19 Sep 2026 |
| 8 | 0.25% | ICICI RubyxcheckedICICI Bank · INR 2,000 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026 |
| 9 | 0.25% | ICICI SapphirocheckedICICI Bank · INR 3,500 a year, waived above INR 600,000 of spending a year · checked 19 Sep 2026 |
| 10 | 0.17% | IDFC FIRST AshvacheckedIDFC FIRST Bank · INR 2,999 a year · checked 20 Sep 2026 |
| 11 | 0.17% | IDFC FIRST MayuracheckedIDFC FIRST Bank · INR 5,999 a year · checked 20 Sep 2026 |
| 12 | 0.12% | IDFC FIRST ClassiccheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 13 | 0.12% | IDFC FIRST MillenniacheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 14 | 0.12% | IDFC FIRST SelectcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 15 | 0.12% | IDFC FIRST WOWcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 16 | 0.12% | IDFC FIRST WealthcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
Rates on part of government
These read cards pay on government only at the places named. They are not ranked above, because the number is not what the card pays on government anywhere else.
| Return | Card |
|---|---|
| 10.00% | Airtel Axis BankcheckedAxis Bank · INR 500 a year, waived above INR 200,000 of spending a year · checked 20 Sep 2026only at Via the Airtel Thanks app; at most INR 158.33 back a month |
| 5.00% | Axis ACEcheckedAxis Bank · INR 499 a year · checked 12 Sep 2026only at Via Google Pay; at most INR 500 back a month |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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