Which credit cards still earn on Education — September 2026

How is this ranking computed?

THE COUNT FIRST, THEN THE RAIL, THEN THE RATE. A card whose published education rule zeroes the category is not ranked at ₹0 — a zero is a finding, not a position — so it is named below the table with its own rule, and 138 of the 266 whose education rule this desk holds sit there. Of the rest: (1) THE RAIL IS PRICED, AND IT IS THE DIRECT ONE. An education payment goes either to the institution's own website or POS, or through a third-party app, and the two are different products: 102 of the 278 education rules on this desk state a charge on the app route, and every single one of them states the same 1% — ₹750 on this reference payment. On HDFC's shelf the rail decides the EARN too (Infinia pays 5 RP per ₹150 direct to a school and zero through an app, since 1 September 2024). So the ₹ on every row is the DIRECT rail, the charge is NEVER netted out of it — it does not apply to the payment being priced — and it is never invented either: 28 ranked rows quote the clause verbatim beside the earn, and the reader does the subtraction the desk will not do for them. This is the exact inverse of /best/government, where the desk holds not one convenience-fee figure and says so. (2) THE RATE is first-tier earn × the card's published education treatment × its currency's house ₹/point — the same expression /spends, /spends/education and /wallet crown on — raised only where the card's own earn table publishes an education rung AND the desk's `education` rule in data/mcc.yaml states the same number; 8 ranked cards carry such a rung, and 5 had one refused for a rung ceiling this desk cannot convert. (3) THE BUCKET decides this category and it is not a rung ceiling: past a rung you still earn the ordinary rate, past a BUCKET you earn nothing at all — "Zen Points earn only on the first ₹70,000 of education spend a statement cycle". 6 ranked cards have a bucket that bites at ₹75,000, and no ranked card's own monthly earn ceiling bites this far down; every one of those rows prints its own ceiling, and where the issuer shares that bucket with insurance or FASTag the row says so. A bucket the note ASSERTS in units nothing here converts is refused rather than priced as uncapped: 5 cards are named at their rate instead of ranked. WHAT THAT LEAVES EXPOSED, as a number rather than a reassurance: 8 ranked rows carry an admitted rung with no ceiling anyone here can read, and if every one of those issuers turns out to publish a cap we have not found, the total overstatement across this whole board is ₹1,410 on a ₹75,000 fee — those rungs' entire premium over their own cards' ordinary education rates, which is the worst case and not a promise. (4) THE REFERENCE IS ONE TERM FEE, NOT A MONTH OF THEM. A school term, a college semester and a coaching enrolment are one lump on one due date, so the ₹ on every row is what ONE ₹75,000 payment pays back, once, never multiplied by twelve. Every education ceiling in this data is written per statement cycle or per month, which is why one payment in one cycle is the honest unit; ₹75,000 sits above every ceiling this desk can convert into rupees of fees so the caps decide the board instead of decorating it, and it clears IndusInd's ₹45,000-a-cycle fee threshold so the charges quoted here really are charged. Nor is a dated bank offer added; /tracker/offers carries those with their end dates. 379 priced cards have no education rule here yet and appear on no part of this page.