Which credit card pays the most on travel in India?
Of the cards whose terms were read off the issuer, IndusInd EazyDiner (IndusInd Bank) publishes the highest rate on travel in India: 4.00% (INR 2,999 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 · travel
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 | 4.00% | IndusInd EazyDinercheckedIndusInd Bank · INR 2,999 a year · checked 22 Oct 2026 |
| 2 | 3.00%or 6.00% (only at MakeMyTrip hotel bookings) | MakeMyTrip ICICIcheckedICICI Bank · INR 999 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026 |
| 3 | 2.00%or 5.00% (only at Axis Travel EDGE portal or booked direct) | Axis AtlascheckedAxis Bank · INR 5,000 a year · checked 20 Sep 2026 |
| 4 | 2.00%or 5.00% (only at Axis Travel EDGE portal or booked direct) | Axis HorizoncheckedAxis Bank · INR 3,000 a year · checked 20 Sep 2026 |
| 5 | 2.00%or 5.00% (only at Booked through Kotak Unbox; at most INR 15,000 back a month; the terms say: Flights and hotels booked through Kotak Unbox. 15,000 Air Miles a cycle, after which it returns to the base rate rather than to nothing.) | Kotak Air+checkedKotak Mahindra Bank · INR 3,000 a year · checked 20 Sep 2026 |
| 6 | 1.25% | IDFC FIRST ClassiccheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 7 | 1.25% | IDFC FIRST MillenniacheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 8 | 1.25% | IDFC FIRST SelectcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 9 | 1.25% | IDFC FIRST WealthcheckedIDFC FIRST Bank · no annual fee · checked 20 Sep 2026 |
| 10 | 1.20%or 6.00% (only at Axis Travel EDGE portal) | Axis MagnuscheckedAxis Bank · INR 12,500 a year, waived above INR 2,500,000 of spending a year · checked 20 Sep 2026 |
| 11 | 1.05%or 1.75% (only at Qatar Airways or British Airways direct) | IndusInd Avios Visa InfinitecheckedIndusInd Bank · fee not read · checked 20 Sep 2026 |
| 12 | 1.00% | RBL World SafaricheckedRBL Bank · INR 3,000 a year · checked 20 Sep 2026 |
| 13 | 1.00%or 5.00% (only at Cleartrip; at most INR 1,333.33 back a month) | Flipkart Axis BankcheckedAxis Bank · INR 500 a year, waived above INR 350,000 of spending a year · checked 20 Sep 2026 |
| 14 | 0.83%or 5.83% (only at Hotels booked in the IDFC FIRST app; the terms say: Hotels booked in the IDFC FIRST app, where thirty times is added to the base rate.) | IDFC FIRST AshvacheckedIDFC FIRST Bank · INR 2,999 a year · checked 20 Sep 2026 |
| 15 | 0.83%or 5.83% (only at Hotels booked in the IDFC FIRST app; the terms say: Hotels booked in the IDFC FIRST app, where thirty times is added to the base rate.) | IDFC FIRST MayuracheckedIDFC FIRST Bank · INR 5,999 a year · checked 20 Sep 2026 |
| 16 | 0.60% | IndusInd Pinnacle WorldcheckedIndusInd Bank · fee not read · checked 20 Sep 2026 |
Rates on part of travel
These read cards pay on travel only at the places named. They are not ranked above, because the number is not what the card pays on travel anywhere else.
| Return | Card |
|---|---|
| 1.00% | ICICI EmeraldecheckedICICI Bank · INR 12,000 a year, waived above INR 1,000,000 of spending a year · checked 19 Sep 2026only at non-rupee spending |
| 1.00% | ICICI RubyxcheckedICICI Bank · INR 2,000 a year, waived above INR 300,000 of spending a year · checked 19 Sep 2026only at non-rupee spending |
| 1.00% | ICICI SapphirocheckedICICI Bank · INR 3,500 a year, waived above INR 600,000 of spending a year · checked 19 Sep 2026only at non-rupee spending |
| 0.50% | ICICI CoralcheckedICICI Bank · INR 500 a year, waived above INR 150,000 of spending a year · checked 19 Sep 2026only at non-rupee spending |
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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