PayperWIZ

Which credit card pays the most on phone and internet in India?

Of the cards whose terms were read off the issuer, IndusInd Legend (IndusInd Bank) publishes the highest rate on phone and internet in India: 0.40% (fee not read). 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.

5 read cards · India · phone and internet

The answer, from 5 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.

Read cards in India by their published rate on phone and internet, with what limits each one.
#ReturnCard
10.40%IndusInd LegendcheckedIndusInd Bank · fee not read · checked 20 Sep 2026
20.25%ICICI CoralcheckedICICI Bank · INR 500 a year, waived above INR 150,000 of spending a year · checked 19 Sep 2026
30.25%ICICI EmeraldecheckedICICI Bank · INR 12,000 a year, waived above INR 1,000,000 of spending a year · checked 19 Sep 2026
40.25%ICICI RubyxcheckedICICI Bank · INR 2,000 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026
50.25%ICICI SapphirocheckedICICI Bank · INR 3,500 a year, waived above INR 600,000 of spending a year · checked 19 Sep 2026

Rates on part of phone and internet

These read cards pay on phone and internet only at the places named. They are not ranked above, because the number is not what the card pays on phone and internet anywhere else.

ReturnCard
25.00%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 316.67 back a month
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 2 other cards in the catalogue publish a rate on phone and internet that nobody has yet read off the issuer, and are not listed here at all. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of phone and internet — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on phone and internet.

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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