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Best credit cards for wallet loads in October 2026

IDFC FIRST Mayura leads 4 cards tied at the top (1.00%, back on wallet loads) and is worth ₹19,700 a year at ₹75,000 a month after the fee.

Verified 122 sources

The top 3

Most back on every ₹100 of wallet loads: IDFC FIRST Mayura, 1.00% .

The full ranking

30 cards, best first. Ranked by back on wallet loads; the ₹ a year column follows the spend you pick.

₹ a year at your monthly spend
Wallet loads: ranks 1 to 25
CardBack on wallet loads₹ a yearFee
1. IDFC FIRST MayuraIDFC FIRST Bank · a reduced rate 1.00% ₹600 ₹19,700 ₹48,900 ₹99,900 ₹1,67,900 ₹5,999 fee
2. IDBI Bank LIC Eclat SelectIDBI Bank · full rewards 1.00% ₹3,800 ₹9,300 ₹17,800 ₹34,700 ₹57,300 ₹0 fee, lifetime free
3. Amazon Pay ICICI BankICICI Bank · Invite only · full rewards 1.00% ₹3,000 ₹7,600 ₹15,100 ₹30,200 ₹50,400 ₹0 fee, lifetime free
4. LIC IDFC FIRST SelectIDFC FIRST Bank · full rewards 1.00% ₹3,400 ₹8,500 ₹16,900 ₹33,800 ₹56,400 ₹0 fee, lifetime free
5. Standard Chartered UltimateStandard Chartered · full rewards 3.33% ₹4,400 ₹18,400 ₹41,800 ₹88,500 ₹1,50,900 ₹5,000 fee
6. IDFC FIRST AshvaIDFC FIRST Bank · a reduced rate 0.80% ₹2,300 ₹17,500 ₹38,000 ₹78,800 ₹1,33,200 ₹2,999 fee
7. IDBI Bank Euphoria WorldIDBI Bank · full rewards 0.75% ₹2,900 ₹7,200 ₹13,600 ₹26,300 ₹43,200 ₹1,499 fee
8. IDBI Bank Royale SignatureIDBI Bank · full rewards 0.75% ₹2,900 ₹7,200 ₹13,600 ₹26,300 ₹43,200 ₹0 fee, lifetime free
9. IDBI Bank LIC LumineIDBI Bank / LIC Cards Services · full rewards 0.75% ₹3,200 ₹7,000 ₹13,300 ₹26,000 ₹42,900 ₹0 fee, lifetime free
10. IDFC FIRST WOW! BlackIDFC FIRST Bank · full rewards 0.67% ₹2,100 ₹5,200 ₹10,400 ₹20,800 ₹34,600 ₹750 fee
11. IndusInd PlatinumIndusInd Bank · full rewards 0.60% ₹2,000 ₹5,100 ₹10,200 ₹20,300 ₹33,800 ₹0 fee, lifetime free
12. IDFC FIRST Diamond ReserveIDFC FIRST Bank · full rewards 0.50% −₹400 ₹10,300 ₹23,000 ₹48,500 ₹82,500 ₹3,000 fee
13. IDBI Bank WinningsIDBI Bank · full rewards 0.50% ₹2,300 ₹4,900 ₹9,100 ₹17,500 ₹28,800 ₹899 fee
14. IDFC FIRST WOW!IDFC FIRST Bank · full rewards 0.50% ₹1,600 ₹3,900 ₹7,800 ₹15,600 ₹26,000 ₹0 fee, lifetime free
15. IDFC FIRST HPCL Power+IDFC FIRST Bank · full rewards 0.50% ₹1,400 ₹3,300 ₹6,400 ₹12,400 ₹20,000 ₹499 fee
16. IndianOil Kotak Credit CardKotak Mahindra Bank · full rewards 0.50% ₹1,800 ₹3,800 ₹6,800 ₹12,600 ₹20,300 ₹449 fee
17. IDFC FIRST SelectIDFC FIRST Bank · full rewards 0.38% ₹1,200 ₹2,900 ₹5,900 ₹11,800 ₹19,700 ₹0 fee, lifetime free
18. IDFC FIRST MillenniaIDFC FIRST Bank · full rewards 0.38% ₹1,200 ₹2,900 ₹5,900 ₹11,800 ₹19,700 ₹0 fee, lifetime free
19. IDFC FIRST ClassicIDFC FIRST Bank · full rewards 0.38% ₹1,200 ₹2,900 ₹5,900 ₹11,800 ₹19,700 ₹0 fee, lifetime free
20. IDFC FIRST WealthIDFC FIRST Bank · a reduced rate 0.38% ₹1,200 ₹2,900 ₹5,900 ₹11,800 ₹19,700 ₹0 fee, lifetime free
21. IDBI Bank Aspire PlatinumIDBI Bank · full rewards 0.33% ₹1,800 ₹3,400 ₹6,300 ₹11,900 ₹19,400 ₹0 fee, lifetime free
22. IndiGo IDFC FIRST Dual Credit CardIDFC FIRST Bank · a reduced rate 0.25% ₹4,700 ₹16,700 ₹33,400 ₹56,800 ₹88,000 ₹4,999 fee
23. HSBC Premier (Metal)HSBC · full rewards up to a monthly cap 6.00% ₹300 ₹30,800 ₹81,500 ₹1,83,000 ₹3,18,400 ₹12,000 joining + ₹20,000/yr
24. Axis Bank PRIMUSAxis Bank · Invite only · full rewards 5.00% −₹2,07,000 −₹1,80,000 −₹1,35,000 −₹45,000 ₹75,000 ₹5,00,000 joining + ₹3,00,000/yr
25. IDFC FIRST PrivateIDFC FIRST Bank · Invite only · a reduced rate 0.67% −₹4,600 ₹26,000 ₹77,000 ₹1,79,000 ₹3,15,000 ₹50,000 joining + ₹25,000/yr
Ranks 26 to 30 5 cards
  1. IDFC FIRST Gaj 0.67% · Invite only
  2. Unity Bank BharatPe Credit Card 2.00%
  3. IDFC FIRST EA₹N 0.50%
  4. IDBI Bank Imperium Platinum 0.33%
  5. IndusInd Celesta 0.27% · Invite only
Not ranked on wallet loads 322 cards

Earns nothing here (278): HDFC Infinia Metal , Axis Magnus for Burgundy , ICICI Emeralde Private Metal , HDFC Diners Club Black Metal , Axis Olympus , Axis Magnus , BOBCARD Etihad Guest Premium , HDFC Regalia Gold , IndusInd Tiger , RBL Nova , HSBC TravelOne , Kotak Air+ Prime , Kotak Air+ , Axis Miles & More World Select , DBS Altitude , DBS Spark 5 Credit Card , DBS Spark 10 Credit Card , DBS Spark 20 Credit Card , Marriott Bonvoy HDFC Bank , KrisFlyer SBI Card APEX , Axis Bank Reserve , ICICI Times Black , Axis Horizon , YES Bank Marquee , HDFC Diners Club Privilege , Scapia (Federal Bank) , Scapia (Axis Bank) , Edge CSB Bank RuPay Credit Card , ixigo AU , IndusInd Avios Visa Infinite , BOBCARD Etihad Guest , Tata Neu Infinity HDFC Bank , Tata Neu Infinity SBI Card , SBI Card MILES PRIME , HSBC Live+ , HSBC RuPay Cashback , Equitas PowerMiles , Equitas Selfe Credit Card , BOBCARD Eterna , Axis Miles & More World , Axis Bank SELECT , 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 , Niyo Global SBM Credit Card , YES Bank RESERV , RBL iGlobe , SpiceJet Axis Bank Voyage Black , Kotak Solitaire , SBI Card MILES ELITE , IndiGo SBI Card , IndiGo Kotak Credit Card , Tata Neu Plus HDFC Bank , RBL World Safari , RBL World Safari Lite , RBL World Safari Plus , PhonePe HDFC Bank Ultimo , Kotak Air , Emirates Skywards ICICI Bank Sapphiro , SBI Card ELITE , IndiGo Kotak Premium Credit Card , BOBCARD Tiara , Paytm HDFC Bank Select , MakeMyTrip ICICI Bank Platinum , Axis Bank Privilege , Kotak White , Kotak White Reserve , RBL Bank Patanjali Swarn , AU Ananta , PhonePe HDFC Bank Uno , Kotak NRI Royale Signature , Edge+ CSB Bank RuPay Credit Card , RBL Insignia Preferred Banking World Card , SBI Card PRIME , SpiceJet Axis Bank Voyage , IndianOil Axis Bank Premium , IndiGo Axis Bank Credit Card , SBI Card MILES , RBL Signature Banking , Kotak Zen Signature , RBL Aspire Banking , Union Bank UNICORN , ICICI Bank Emeralde , Union Bank NEXTERIA , Federal Bank Imperio , RBL Platinum Maxima Plus , IRCTC HDFC Bank Credit Card , KrisFlyer SBI Card , SBI Card PULSE , BOBCARD Uni GoldX , ICICI Bank Coral , YES Bank Zagg Credit Card , MakeMyTrip ICICI Bank , ICICI Bank Expressions , ICICI Bank HPCL Super Saver , Tata Neu Plus SBI Card , Federal Bank Celesta , AU Zenith , Axis Bank My Zone , LIC Axis Bank Signature , Fibe Axis Bank Credit Card , Axis Bank ACE , Adani One ICICI Bank Platinum , BPCL SBI Card OCTANE , Axis Bank REWARDS , Samsung Axis Bank Signature , Flipkart Axis Bank Credit Card , Axis Bank NEO , SBI AURUM , HDFC PIXEL Go , IRCTC SBI Card Premier , HDFC Bank Millennia , HDFC Bank PIXEL Play , HDFC Bank Freedom , RBL Platinum Edge , IndusInd Pinnacle World , Flipkart SBI Card , RBL Platinum Maxima , Titan SBI Card , Reliance SBI Card PRIME , Landmark Rewards SBI Card PRIME , PhonePe SBI Card SELECT BLACK , Apollo SBI Card SELECT , RBL Apex , DBS Vantage , CRED IndusInd Bank RuPay Credit Card , CASHBACK SBI Card , Axis Bank Cashback , Axis Bank Freecharge Plus , 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 Freecharge , Axis Bank Kwik , YES Bank BYOC (Rewards) , Axis Bank My Zone Easy , BOBCARD Premier , Axis Bank Pride Platinum , Axis Bank Pride Signature , IRCTC RBL Bank Credit Card , TVS Credit RBL Bank Gold , BPCL SBI Card , RBL Bank Blockbuster , RBL BankBazaar SaveMax Pro , ICICI Bank HPCL Coral Credit Card , HDFC Bank UPI RuPay , RBL Movies and More , ICICI Bank Platinum Chip Credit Card , IndianOil HDFC Bank Credit Card , ICICI Bank Rubyx , IndianOil Axis Bank Credit Card , PhonePe SBI Card PURPLE , SimplySAVE SBI Card , HDFC Bank MoneyBack+ , AU Vetta , Landmark Rewards SBI Card SELECT , Landmark Rewards SBI Card , Reliance SBI Card , 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 Eternal Credit Card , Utkarsh Rhodium Credit Card , Utkarsh SmartGen Credit Card , Utkarsh superCard , Axis Bank Shoppers Stop Credit Card , IRCTC BOBCARD , RBL Platinum Delight , RBL Platinum ShopGain , RBL Patanjali Vishisht , RBL Bank SalarySe UP , RBL Bank DMI Finance , RBL Paisabazaar Duet , RBL Cookies , Standard Chartered EaseMyTrip , HDFC Bank UPI RuPay Mega Saver , YES PaisaSave , HPCL ENERGIE BOBCARD , YES PaisaSave RuPay , YES Bank SELECT , AU Bank NOMO Credit Card , AU Zenith+ , SimplyCLICK SBI Card , BOBCARD Cashback , Snapdeal BOBCARD , RBL Platinum Max , ICAI Exclusive BOBCARD , RBL Platinum Prime , ICSI Diamond BOBCARD , CMA One BOBCARD , Varunah Premium BOBCARD , Varunah Plus BOBCARD , Varunah BOBCARD , Indian Army YODDHA BOBCARD , Assam Rifles SENTINEL BOBCARD , Coast Guard RAKSHAMAH BOBCARD , BOBCARD VIKRAM , RBL Paisabazaar Duet Plus , PRAGATI BOBCARD (RRB) , Kotak League Platinum , AU Altura Credit Card , RBL Shoprite , AU Xcite Ace Credit Card , IndianOil Easy Axis Bank , Federal RuPay Wave Credit Card , Suryoday SFB RuPay Platinum , Kotak 811 Credit Card , Suryoday SFB RuPay Select , AU Altura Plus Credit Card , RBL Binge , DCB PayLess Select Credit Card , DCB PayLess Platinum Credit Card , YES Bank POP-CLUB , SBM MobiKwik First Credit Card , Paisabazaar Paisa Plus Credit Card , Paisabazaar Step-Up SBM Credit Card , CUB CSK Master Platinum , CUB SRH Master Platinum , CUB CSK RuPay Platinum , CUB SRH RuPay Platinum , RBL BankBazaar SaveMax , CUB CSK Master World , CUB SRH Master World , IndianOil RBL Bank Credit Card , IndianOil RBL Bank XTRA Credit Card , RBL Platinum LifeEasy , BOBCARD Select , YES Bank FinBooster , RBL Platinum Choice , PVR INOX Kotak , RBL Platinum Plus , TVS Credit RBL Bank , BOBCARD Easy , YES FinBooster RuPay , YES Bank anQ Pi , Nainital Bank RENAISSANCE BOBCARD , AU LIT Credit Card , BOBCARD Swavlamban , UJJIVAN SFB Platinum BOBCARD , UJJIVAN SFB Elite BOBCARD , YES Bank BYOC (Cashback) , RBL Bank Shoppers Stop Black , RBL Bank Shoppers Stop Platinum , RBL Bank Shoppers Stop Gold , RBL Platinum Advantage , PNB Kiwi , CUB SalarySe Level UP , CUB SalarySe Level UP Virtual , Equitas Selfe Secured , Equitas PowerMiles Secured , RBL EasySaver , RBL MyFirst , Equitas Tiga , BOBCARD Easy (FD Backed) , IndusInd Pioneer Heritage , BOBCARD Select (FD Backed) , BOBCARD Premier (FD Backed) , RBL Lumière .

Not on sale to new applicants (44): Axis Bank Signature , Kotak Privy League Signature , Amex Platinum Travel , Amex Platinum Charge , Amex Membership Rewards Card , Amex Platinum Reserve , Scapia (BOBCARD) , 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 Select SBI Card , SBI Card Unnati , BOBCARD Prime , OneCard Metal , Axis Atlas , Axis Bank Vistara Infinite Credit Card , HDFC Harley-Davidson Diners Club , MakeMyTrip ICICI Bank Signature , Emirates Skywards ICICI Bank Rubyx , Chennai Super Kings ICICI Bank , Air India SBI Signature Card , Club Vistara SBI Card PRIME , Axis Bank Vistara Signature Credit Card , Club Vistara SBI Card , Axis Bank Vistara Credit Card , Air India SBI Platinum Card , HDFC Regalia , HDFC Regalia Activ , Swiggy HDFC Bank Credit Card , YES First Preferred , Kotak Royale Signature , Myntra Kotak , RBL Bank novio , RBL Bank Black , RBL vCard , Kotak Mojo Platinum .

What changed

Changes to wallet loads rewards, newest first 4 events

How we rank

Ranked by what ₹100 of wallet loads 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.