Best credit cards for EMI in October 2026
Standard Chartered Rewards comes first (0.67%, back on EMI) and is worth ₹9,700 a year at ₹75,000 a month after the fee.
The top 3
Most back on every ₹100 of emi conversions / merchant emi: Standard Chartered Rewards, 0.67% .
The full ranking
7 cards, best first. Ranked by back on EMI; the ₹ a year column follows the spend you pick.
| Card | Back on EMI | ₹ a year | Fee |
|---|---|---|---|
| 1. Standard Chartered RewardsStandard Chartered · full rewards | 0.67% | ₹2,900 ₹9,700 ₹17,300 ₹28,600 ₹43,600 | ₹0 joining + ₹1,000/yr |
| 2. IDBI Bank WinningsIDBI Bank · full rewards | 0.50% | ₹2,300 ₹4,900 ₹9,100 ₹17,500 ₹28,800 | ₹899 fee |
| 3. Indian Overseas Bank RuPay SelectIndian Overseas Bank · full rewards | 0.25% | ₹900 ₹2,300 ₹4,500 ₹9,000 ₹15,000 | ₹0 joining + ₹500/yr |
| 4. Indian Overseas Bank RuPay PlatinumIndian Overseas Bank · full rewards | 0.25% | ₹900 ₹2,300 ₹4,500 ₹9,000 ₹15,000 | ₹0 joining + ₹250/yr |
| 5. Unity Bank BharatPe Credit CardUnity Small Finance Bank · full rewards | 2.00% | ₹7,200 ₹18,000 ₹36,000 ₹72,000 ₹1,20,000 | ₹0 fee, lifetime free |
| 6. Standard Chartered EaseMyTripStandard Chartered · full rewards | 0.50% | ₹1,700 ₹4,200 ₹8,500 ₹16,900 ₹28,200 | ₹350 fee |
| 7. Indian Overseas Bank RuPay ClassicIndian Overseas Bank · full rewards | 0.17% | ₹600 ₹1,500 ₹3,000 ₹6,000 ₹10,000 | ₹0 fee, lifetime free |
Not ranked on EMI 272 cards
Earns nothing here (224): HDFC Infinia Metal , Axis Magnus for Burgundy , ICICI Emeralde Private Metal , HDFC Diners Club Black Metal , Axis Olympus , HSBC Premier (Metal) , IDFC FIRST Private , Axis Magnus , IDFC FIRST Gaj , BOBCARD Etihad Guest Premium , HDFC Regalia Gold , IDFC FIRST Mayura , IndusInd Tiger , RBL Nova , HSBC TravelOne , IDFC FIRST Ashva , Kotak Air+ Prime , Kotak Air+ , Standard Chartered Ultimate , Axis Miles & More World Select , DBS Altitude , DBS Spark 5 Credit Card , DBS Spark 10 Credit Card , DBS Spark 20 Credit Card , IDFC FIRST Diamond Reserve , Marriott Bonvoy HDFC Bank , KrisFlyer SBI Card APEX , IndiGo IDFC FIRST Dual Credit Card , Axis Bank Reserve , ICICI Times Black , Axis Horizon , YES Bank Marquee , HDFC Diners Club Privilege , HSBC Privé , Scapia (Federal Bank) , Scapia (Axis Bank) , Edge CSB Bank RuPay Credit Card , ixigo AU , IndusInd Avios Visa Infinite , Tata Neu Infinity HDFC Bank , SBI Card MILES PRIME , HSBC Live+ , HSBC RuPay Cashback , Equitas PowerMiles , Equitas Selfe Credit Card , BOBCARD Eterna , Axis Miles & More World , Axis Bank SELECT , Amazon Pay ICICI Bank , HSBC Platinum , HSBC RuPay Platinum , Adani One ICICI Bank Signature , IndiGo SBI Card ELITE , IndiGo Axis Bank Premium Credit Card , Emirates Skywards ICICI Bank Emeralde , IDFC FIRST WOW! , Niyo Global SBM Credit Card , YES Bank RESERV , RBL iGlobe , SpiceJet Axis Bank Voyage Black , Kotak Solitaire , SBI Card MILES ELITE , IndiGo SBI Card , Tata Neu Plus HDFC Bank , RBL World Safari , RBL World Safari Plus , Kotak Air , Emirates Skywards ICICI Bank Sapphiro , SBI Card ELITE , MakeMyTrip ICICI Bank Platinum , Axis Bank Privilege , Kotak White Reserve , RBL Bank Patanjali Swarn , AU Ananta , Edge+ CSB Bank RuPay Credit Card , RBL Insignia Preferred Banking World Card , SBI Card PRIME , RBL Icon , SpiceJet Axis Bank Voyage , IndiGo Axis Bank Credit Card , SBI Card MILES , IDFC FIRST Select , IDFC FIRST WOW! Black , RBL Signature Banking , Kotak Zen Signature , RBL Aspire Banking , ICICI Bank Emeralde , RBL Platinum Maxima Plus , IRCTC HDFC Bank Credit Card , KrisFlyer SBI Card , SBI Card PULSE , BOBCARD Uni GoldX , ICICI Bank Coral , MakeMyTrip ICICI Bank , ICICI Bank Expressions , ICICI Bank HPCL Super Saver , Federal Bank Celesta , AU Zenith , Axis Bank My Zone , LIC Axis Bank Signature , Adani One ICICI Bank Platinum , BPCL SBI Card OCTANE , IRCTC SBI Card Premier , HDFC Bank Millennia , HDFC Bank PIXEL Play , HDFC Bank Freedom , RBL Platinum Edge , IndusInd Pinnacle World , IDFC FIRST Millennia , IDFC FIRST Classic , LIC IDFC FIRST Select , IDFC FIRST HPCL Power+ , Flipkart SBI Card , RBL Platinum Maxima , CheQ AU Credit Card , Titan SBI Card , Reliance SBI Card PRIME , Landmark Rewards SBI Card PRIME , Apollo SBI Card SELECT , RBL Apex , DBS Vantage , CRED IndusInd Bank RuPay Credit Card , CASHBACK SBI Card , Axis Bank SuperMoney RuPay , Paytm HDFC Bank Digital , Paytm HDFC Bank Mobile , slice UPI Credit Card , Kotak Cashback+ , Kotak Cashback+ Prime , IRCTC SBI Platinum Card , YES Bank ELITE+ , Paytm HDFC Bank , Kotak UPI RuPay , ICICI Sapphiro , Axis Bank Kwik , YES Bank BYOC (Rewards) , Axis Bank My Zone Easy , IRCTC RBL Bank Credit Card , Axis Bank Titanium Smart Traveller , TVS Credit RBL Bank Gold , RBL Bank Blockbuster , RBL BankBazaar SaveMax Pro , HDFC Bank UPI RuPay , RBL Movies and More , IndianOil HDFC Bank Credit Card , ICICI Bank Rubyx , IndianOil Axis Bank Credit Card , SimplySAVE SBI Card , HDFC Bank MoneyBack+ , AU Vetta , SimplySAVE UPI SBI Card , Landmark Rewards SBI Card SELECT , Landmark Rewards SBI Card , Reliance SBI Card , IDFC FIRST Wealth , Shoppers Stop HDFC Bank , LIC Axis Bank Platinum , ICICI Bank Parakram , ICICI Bank Parakram Select , ICICI Bank Coral against FD , ICICI Bank Rubyx against FD , YES Essence , ICICI Bank NRI Coral , ICICI Bank NRI Sapphiro , YES Bank Wellness Plus , Swiggy Ornge HDFC Bank Credit Card , Swiggy BLCK HDFC Bank Credit Card , Utkarsh superCard , IRCTC BOBCARD , RBL Platinum Delight , RBL Platinum ShopGain , RBL Patanjali Vishisht , RBL Bank SalarySe UP , RBL Bank DMI Finance , RBL Paisabazaar Duet , RBL Cookies , Aditya Birla Capital AU Pro , HDFC Bank UPI RuPay Mega Saver , YES Bank SELECT , AU Bank NOMO Credit Card , AU Zenith+ , AU Laksya Credit Card , SimplyCLICK SBI Card , AU SPONT Credit Card , RBL Platinum Max , RBL Platinum Prime , AU Bank Traverse Credit Card (NRI) , RBL Paisabazaar Duet Plus , AU Altura Credit Card , AU Tejas Credit Card , AU Xcite Ultra Credit Card , RBL Shoprite , AU Xcite Ace Credit Card , AU Xcite Credit Card , Dhi CUB Visa Signature , IDFC FIRST EA₹N , IDFC FIRST HPCL Power , AU Prathama Credit Card , AU Altura Plus Credit Card , RBL Binge , SBM MobiKwik First Credit Card , Paisabazaar Paisa Plus Credit Card , Paisabazaar Step-Up SBM Credit Card , RBL BankBazaar SaveMax , IndianOil RBL Bank Credit Card , IndianOil RBL Bank XTRA Credit Card , RBL Platinum LifeEasy , YES Bank FinBooster , RBL Platinum Choice , RBL Platinum Plus , TVS Credit RBL Bank , YES FinBooster RuPay , YES Bank anQ Pi , AU LIT Credit Card , RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold , RBL Platinum Advantage , Equitas Selfe Secured , Equitas PowerMiles Secured , RBL EasySaver , RBL MyFirst , Equitas Tiga , IndusInd Pioneer Heritage .
Not on sale to new applicants (48): IOB Gold Credit Card , IOB Classic Credit Card , Amex Platinum Travel , Amex Platinum Charge , Amex Membership Rewards Card , Amex Platinum Reserve , Scapia (BOBCARD) , Amex SmartEarn , PNB LUXURA Metal (RuPay) , PNB LUXURA Metal (Visa Infinite) , Edge+ CSB Bank Mastercard Credit Card , Amex Gold Charge , RBL World Plus , RBL World Prime , RBL World Max , Flipkart Axis Bank Super Elite , Paytm SBI Card SELECT , Paytm SBI Card , KVB SBI Signature Card , KVB SBI Platinum Card , South Indian Bank SBI Platinum Card , Shaurya SBI Card , PNB Zaggle Twin , SBI Card Unnati , PNB Visa Signature , PNB Patanjali RuPay Select , PNB RuPay Millennial , PNB RuPay Select , PNB SALARY RuPay Select , OneCard Metal , PNB BLISS , PNB EMT RuPay Platinum , PNB RuPay Platinum , PNB SALARY RuPay Platinum , Axis Atlas , MakeMyTrip ICICI Bank Signature , Chennai Super Kings ICICI Bank , Air India SBI Signature Card , Club Vistara SBI Card PRIME , Club Vistara SBI Card , HDFC Regalia , HDFC Regalia Activ , Swiggy HDFC Bank Credit Card , Kotak Privy League Signature , YES First Preferred , Myntra Kotak , RBL Bank novio , RBL Bank Black .
What changed
Changes to emi conversions / merchant emi rewards, newest first 1 events
- Amex India strips Membership Rewards points off EMI purchases American Express India
How we rank
Ranked by what ₹100 of EMI returns on each card: its first-tier earn rate, times the share its bank's own rules pay on this spend (full, capped, reduced or nothing), at our value for its points. Only cards you can be issued today and whose rule for this spend we have read are ranked; a rule that our own notes doubt can rank but never leads. Cards our own verdict says to keep, and that anyone can apply for, come first; a card we say to downgrade or cancel, or one offered only by invitation from the bank's own clients or to one profession, follows them. The ₹ a year column is separate: what each card is worth across a typical month at the spend you pick.
Every figure comes from each card's own published fee and earn rate. How we value cards.