Spends · category 03 of 15
Which credit cards still earn on Government / tax — September 2026
Of the 1119 cards on the desk, 296 publish a rule for government / tax — and 5 of those pay ABOVE the card's own normal rate here, against 24 at full rewards. The rest: 7 capped, 44 at a reduced rate, 216 earn nothing. Every one is below, with the cap, the MCC and the rate a swipe actually returns.
what the counts mean fold that back up
Which credit card is best for government / tax spends in India?
Axis Bank PRIMUS (Axis Bank) pays 5.00% on government / tax — the best rate of any card with a published rule here. 296 cards publish one, 216 of which earn nothing at all.
Open to everyone: HSBC Premier (Metal) (HSBC) pays 3.00% on government / tax for ₹12,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: Standard Chartered Ultimate (Standard Chartered) pays 2.00% on government / tax for ₹5,000/yr or less, and it's open to apply.
Lifetime-free: Unity Bank BharatPe Credit Card (Unity Small Finance Bank) pays 2.00% on government / tax for ₹0, open to apply.
MCC 9399, 9311, 9222, 9402, 9405, 9211, 9223 · 296 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of government / tax returns — first-tier earn × this category's published treatment × our ₹/point. The same math the wallet winner ranks your own cards by.
- 01 Axis Bank PRIMUS
Tax and government spends earn under the "all transactions" clause; no government carve-out in the T&C
5.00% full earn - 02 HSBC Premier (Metal)
9399/9222/9402/9211/9405 + tax 9311 + bail & bond 9223 all earn 3 RP/₹100, but inside ONE cumulative bucket HSBC caps at ₹1,00,000 a month of spend shared with rent, utilities, insurance, education, e-wallets and jewellery. HSBC publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it — the whole bucket is the only figure the document supports
3.00% capped up to a monthly cap — see the rule - 03 Standard Chartered Beyond
3 RP per ₹150 (2%) — "Government payments" in the §4.1.2 list
2.00% reduced cut to 60% of its normal rate
Every card with a published rule
296 cards
Accelerated first, then full earners, then capped, then reduced, then the zeroes — each block by the rate it returns here. The rule text is the issuer's own, quoted from the document we read.
| Card | Earns | Rate here | The cap, and the rule it comes from |
|---|---|---|---|
| Pine Labs HDFC Bank Pro HDFC Bank | accelerated | 1.33% | 5% cashback on government and tax payments, capped at ₹250 a calendar month and SHARED with utility, telecom and IRCTC on the same ceiling — HDFC's product page states one cap for the whole business-essentials leg ("capped at ₹250 per month") and publishes no split of that ceiling, so none of it belongs to government or tax alone; past it a challan earns the card's ordinary Reward Point rate |
| AU CA Metal AU Small Finance Bank | accelerated | 0.50% | Tax payments (MCC 9311) earn 8 RP/₹100 (2%) inside the 5,000-RP-a-statement-cycle cap SHARED with dining, travel and software — AU publishes no split of that ceiling, so no rupee of it belongs to a tax payment alone; every other government MCC (9399, 9222, 9402, 9405, 9211, 9223) is on AU's own exclusion list and earns zero |
| AU CS AU Small Finance Bank | accelerated | 0.50% | Tax payments (MCC 9311) earn 8 RP/₹100 (2%) inside the 5,000-RP-a-statement-cycle cap SHARED with dining, travel and software — AU publishes no split of that ceiling, so no rupee of it belongs to a tax payment alone; every other government MCC (9399, 9222, 9402, 9405, 9211, 9223) is on AU's own exclusion list and earns zero |
| HDFC Bank Regalia First HDFC Bank | accelerated | 0.45% | 5% cashback on tax payments, capped at ₹500 in total and paid in the FIRST card year only — SHARED with electricity and telecom bills on the same ceiling; HDFC's product page states one cap for the whole leg ("₹500 max, first year only") and publishes no split of that ceiling, so none of it belongs to government or tax alone, and the page names tax payments, not the wider government MCC list; past it, and from the second year on, a tax payment earns the card's ordinary 3 Reward Points per ₹200 (0.45% at the ₹0.30 SmartBuy exit) |
| Pine Labs HDFC Bank HDFC Bank | accelerated | 0.33% | 5% cashback on government and tax payments, capped at ₹250 a calendar month and SHARED with utility, telecom and IRCTC on the same ceiling — HDFC's product page states one cap for the whole business-essentials leg ("₹250 monthly cap") and publishes no split of that ceiling, so none of it belongs to government or tax alone; past it a challan earns the card's ordinary Reward Point rate |
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | Tax and government spends earn under the "all transactions" clause; no government carve-out in the T&C |
| DBS Vantage DBS Bank India | full earn | 2.00% | NOT on the published closed exclusion list (fuel/wallet/duty-free/rent) — relaxed from excluded, inferred from closed list, flag, 2026-07-22 |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%. Government and tax MCCs appear nowhere in the MITC or the KFS, and the product page's "no restrictions on merchant categories" covers them |
| Titan SBI Card SBI Card | full earn | 1.50% | Government and tax payments earn the 6 points per ₹100 base — neither §11.3(c) nor §B(1) names MCC 9399 or 9311, unlike most SBI co-brands. The 6,000-point monthly ceiling still applies |
| Amex Platinum Charge American Express | full earn | 1.25% | 1 MR/₹40 on tax/govt — no published exclusion; classic Amex tax-payment play — community-verified |
| IDFC FIRST Hello Cashback IDFC FIRST Bank | full earn | 1.00% | 1% — IDFC files government services inside its "essential category spends" band, which pays the card's ordinary in-store rate. The FAQ's list is "Utility, Rent, Jewellery, Wallet load, Insurance, Education, Gift Card, Government Services, FASTag, and Railway", and IDFC's own sentence — "Online spends done on essential categories and fuel will not count towards the ₹10,000 online spends milestone" — means a tax paid on a government portal earns neither the 3% online rate nor a step toward the 5% one. IDFC caps total cashback at ₹1,500 a statement cycle across every category together, and the card file holds that as its own monthly earn ceiling |
| Amex Platinum Travel American Express | full earn | 1.00% | 1 MR/₹50 — no published exclusion; counts toward ₹1.9L/₹4L milestones — community |
| Amex Membership Rewards Card American Express | full earn | 1.00% | 1 MR/₹50 — no published exclusion — community-verified |
| Amex Platinum Reserve American Express | full earn | 1.00% | 1 MR/₹50 on tax/govt — no published exclusion; classic Amex tax-payment play — community |
| Amex Gold Charge American Express | full earn | 1.00% | 1 MR/₹50 — no exclusion; counts toward 1,000-bonus '6 txns ≥₹1k' trick — community |
| Flipkart Axis Bank Super Elite Axis Bank | full earn | 0.80% | Not named in the SuperCoin exclusion list — earns the base 2 SuperCoins/₹100 |
| IDFC FIRST WOW! Black IDFC FIRST Bank | full earn | 0.67% | No published carve-out — 4 RP/₹150 |
| IndusInd Bank Nexxt Credit Card IndusInd Bank | full earn | 0.53% | The ordinary rate on "Government Services/Charges/Payments" — cut to 0.70 RP per ₹100 across the rest of the shelf |
| IDFC FIRST Diamond Reserve IDFC FIRST Bank | full earn | 0.50% | Earns the everyday band, 3 RP/₹150, and is locked out of the ₹20,000 trigger that unlocks 10 RP/₹150 |
| IDFC FIRST WOW! IDFC FIRST Bank | full earn | 0.50% | No published carve-out on WOW! — 4 RP/₹200 |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Earns base 2 RP/₹100 — no published exclusion, flag |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | full earn | 0.50% | 3 RP/₹150 at base — no carve-out published |
| IndusInd Duo IndusInd Bank | full earn | 0.50% | The ordinary rate on "Government Services/Charges/Payments", which the revision cut to 0.70 RP per ₹100 across the rest of IndusInd's shelf |
| IDFC FIRST Select IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 at base — earns where most cards zero out |
| IDFC FIRST Millennia IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 at base |
| IDFC FIRST Classic IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 at base, where most Indian cards zero government spend out entirely |
| RBL World Safari Plus RBL Bank | full earn | 0.25% | Absent from §3.4(c)s exclusion sentence, which names only Fuel & Auto, Utilities, Wallet, Insurance, Railways, Rental, Airlines, Hotels, Transport and Miscellaneous — earns the base 1 RP per ₹100 (inferred from absence, flag) |
| BPCL SBI Card OCTANE SBI Card | full earn | 0.25% | Government and tax payments earn the 1 point per ₹100 base — unlike most SBI co-brands, this card's exclusion list does not name MCC 9399 or 9311 |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | Earns base 1 RP/₹50 — community, flag |
| HSBC Premier (Metal) HSBC | capped | 3.00% | 9399/9222/9402/9211/9405 + tax 9311 + bail & bond 9223 all earn 3 RP/₹100, but inside ONE cumulative bucket HSBC caps at ₹1,00,000 a month of spend shared with rent, utilities, insurance, education, e-wallets and jewellery. HSBC publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it — the whole bucket is the only figure the document supports |
| ICICI Times Black ICICI Bank | capped | 2.00% | Earns the full 2 RP/₹100 on property tax, advance tax, statutory fees and court/postal payments per the official page, but inside the 5,000 RP/cycle cap it shares with utilities, insurance and education. ICICI's own wording ('monthly cap of 5000 reward points on following categories') never says whether the 5,000 is per category or combined and publishes no split either way, so none of that ceiling belongs to government alone and this desk prices no government ₹ against it |
| LIC IDFC FIRST Select IDFC FIRST Bank | capped | 1.00% | MCCs 9211, 9222, 9223, 9311, 9399, 9402, 9405 earn the 5 RP/₹125 base inside the 600-RP-a-month essentials ceiling shared with utilities, groceries, telecom and education — 600 RP at that same 5 RP/₹125 is ₹15,000 a month of bucket spend in all. IDFC publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it. Government spend earning at all is rare; earning against a published MCC list is rarer. |
| Kotak Zen Signature Kotak Mahindra Bank | capped | 0.83% | Zen Points earn only on the first ₹40,000 of government spend a statement cycle — MCC 9222, 9223, 9311, 9399, 9402 and 9405 — the tightest of the three category ceilings |
| LIC IDFC FIRST Classic IDFC FIRST Bank | capped | 0.60% | Government payments earn the card's ordinary 3X — 3 Reward Points per ₹125 — but inside IDFC's essentials bucket, capped at 300 reward points a month and SHARED with grocery, utilities, railways, FASTag and education. The product page's own words are "3X Rewards on Essentials (Grocery, Utilities, Railways, FASTag, Education and Government payments) up to 300 RP per month". IDFC publishes no split between the six, so not one rupee of that ceiling is claimed for government alone and this desk prices no government ₹ against it — a reader who also pays a power bill on this card reaches it sooner |
| ICICI Bank HPCL Super Saver ICICI Bank | capped | 0.50% | The T&C names "government, tax" inside the 5% bucket — 20 RP per ₹100 — but the whole bucket is capped at 400 RP a statement cycle SHARED with utilities, groceries, telecom and departmental stores, and ICICI publishes no split of that ceiling, so none of it belongs to a tax payment alone and this desk prices no government ₹ against it; government spend is also struck out of the ₹1,50,000 fee-waiver count |
| Kotak Royale Signature Kotak Mahindra Bank | capped | 0.33% | Points earn only on the first ₹40,000 of government spend a statement cycle — MCC 9222, 9223, 9311, 9399, 9402 and 9405 |
| Standard Chartered Beyond Standard Chartered | reduced | 2.00% | 3 RP per ₹150 (2%) — "Government payments" in the §4.1.2 list |
| Standard Chartered Ultimate Standard Chartered | reduced | 2.00% | 3 RP/₹150 on MCC 9399, uncapped; tax MCC 9311 NOT in reduced list → arguably full 5/₹150 — unverified, flag |
| Adani One ICICI Bank Signature ICICI Bank | reduced | rate unpublished | ICICI utility/government bucket on non-EPM cards → reduced earn — community mapping, flag |
| IDFC FIRST Mayura IDFC FIRST Bank | reduced | 1.00% | 3 RP/₹150 vs the 5 RP/₹150 base; excluded from 10X milestone calc — one of few cards earning on govt at all |
| IndusInd Tiger IndusInd Bank | reduced | 0.80% | Base 1 RP/₹100 only, no slab multiplier — "government services" named on the official product page |
| IRCTC SBI Card Premier SBI Card | reduced | 0.80% | Base 1 RP/₹125 where it earns at all; quasi-cash/tax likely zero — community, flag |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 0.80% | 3 RP/₹150 vs the 5 RP/₹150 base — still earns on govt, rare among the 24 |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the flat 10 RP/₹150 domestic base (~0.67%) — "Government Services" is named on the consolidated T&C's 1X list |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the 5 RP/₹150 base, across IDFC's published govt MCC list (4112, 4784, 9034, 9211, 9222, 9223, 9311, 9399, 9401, 9402, 9405, 9700–9754, 9950) |
| IndusInd PIONEER Private IndusInd Bank | reduced | 0.56% | 0.7 RP/₹100 vs 3 RP/₹100 — MCCs 9211, 9222, 9311, 9399, 9402, 9405 and 8220 |
| IndusInd Pinnacle World IndusInd Bank | reduced | 0.56% | 'Select categories' earn ~0.70 RP/₹100 per CardExpert — community/flag |
| IndusInd Pioneer Legacy IndusInd Bank | reduced | 0.56% | 0.70 RP/₹100 vs 1 RP/₹100 on weekdays, w.e.f. 4-Feb-2023 |
| IndusInd Iconia Amex IndusInd Bank | reduced | 0.52% | 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays |
| IndusInd Iconia Visa IndusInd Bank | reduced | 0.52% | 0.70 RP/₹100 vs 0.75 RP/₹100 on weekdays, and against the 1 RP/₹100 the card pays at weekends. IndusInd's notice puts government payments in the cut band with utilities, insurance and education institute fees, and gives Iconia Visa "0.70 Reward Point for every Rs. 100 (on weekends and weekdays)" — so the weekend uplift does not reach a tax payment. The card is discontinued for new sourcing and serviced for existing holders. No cap is published on the band |
| IndusInd Avios Visa Infinite IndusInd Bank | reduced | 0.50% | 1 Avios/₹200 vs 3 Avios/₹200 on ordinary retail — the official benefit guide's reduced-earn tier, which is a rate cut and nothing more. IndusInd publishes no bound on it, and the only per-cycle thresholds the MITC sets anywhere near this tier sit on utility and education spend, neither of which reaches a government payment. |
| Adani One ICICI Bank Platinum ICICI Bank | reduced | 0.50% | 0.5 per ₹100 vs 1 per ₹100 on domestic retail — government spend has sat inside ICICI's utility bucket since 5 Feb 2024, and this card is not carved out of that rule |
| IDFC FIRST Quantum+ IDFC FIRST Bank | reduced | 0.50% | ₹0.50 per ₹100 vs ₹1 per ₹100 in store — IDFC files government services in its "select categories" band with utility, rent, jewellery, wallet load and insurance, and IDFC's own sentence keeps those spends out of the ₹10,000 online-spend milestone, so a tax paid on a government portal earns half the in-store rate and no step toward the 2% rung. IDFC caps total cashback at ₹500 a statement cycle across every category together |
| IB-VISA-Gold Indian Bank | reduced | 0.50% | ₹0.50 per ₹100 vs ₹1 per ₹100 — Indian Bank halves the cashback on rent, utilities, fuel, insurance, jewellery and government, in the sheet's own row, and credits it in the same billing month. A cut, not a zero, which is more than most of the market pays on a tax challan. No cap is published on the row |
| IB-VISA-Platinum Indian Bank | reduced | 0.50% | ₹0.50 per ₹100 vs ₹1 per ₹100 — Indian Bank halves the cashback on rent, utilities, fuel, insurance, jewellery and government, in the sheet's own row, and credits it in the same billing month. A cut, not a zero, which is more than most of the market pays on a tax challan. No cap is published on the row |
| IB-RuPay-Platinum Indian Bank | reduced | 0.50% | ₹0.50 per ₹100 vs ₹1 per ₹100 — Indian Bank halves the cashback on rent, utilities, fuel, insurance, jewellery and government, in the sheet's own row, and credits it in the same billing month. On this RuPay variant a UPI transaction under ₹2,000 earns nothing at all, by the sheet's own exclusion, so a small municipal bill paid over UPI is a zero. No cap is published on the row |
| IB-RuPay-Select Indian Bank | reduced | 0.50% | ₹0.50 per ₹100 vs ₹1 per ₹100 — Indian Bank halves the cashback on rent, utilities, fuel, insurance, jewellery and government, in the sheet's own row, and credits it in the same billing month. On this RuPay variant a UPI transaction under ₹2,000 earns nothing at all, by the sheet's own exclusion, so a small municipal bill paid over UPI is a zero. No cap is published on the row |
| Club Vistara IDFC FIRST IDFC FIRST Bank | reduced | 0.40% | Cut to 1 point per ₹200 vs the 6 points per ₹200 the card's first spend tier pays, effective 17 April 2026 — Maharaja Points, 0.4% at ₹0.80 apiece. Government payments lead IDFC's own line, verbatim and with the bank's spelling — "Effective 17th April'26 – 1 Maharaja Point on Government Payments, Education, Jewellary and Gift Vouchers (GVs)" — against "Maharaja Point earn rate calculated on spend of every Rs. 200". A cut, but not a zero, which is more than most of the market pays on a tax challan. No cap is published on the reduced band |
| Indus Solitaire IndusInd Bank | reduced | 0.39% | 0.7 RP/₹100 vs 1 RP/₹100 — MCCs 9211, 9222, 9311, 9399, 9402, 9405 and 8220 |
| IDFC FIRST Wealth IDFC FIRST Bank | reduced | 0.38% | 3 RP/₹200 vs the 3 RP/₹200 base — the full everyday rate, minus 10X eligibility; still earns on govt, rare among the 24 — named in the official rewards T&C |
| IndusInd Indulge IndusInd Bank | reduced | 0.28% | 0.70 RP/₹100 vs 1.5 RP/₹100 |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | Not itemised; treated with the reduced band at 0.5 BluChips/₹100 — may be fully excluded (community, flag) |
| ICICI Sapphiro ICICI Bank | reduced | 0.25% | Since 5-Feb-2024 govt txns are 'treated as utility' on non-EPM cards → 1 RP/₹100 vs 2 RP/₹100 domestic (half rate), inside the utility bucket's own per-cycle spend ceiling (the one the utilities rule records, tier wording ambiguous) SHARED with utility bills — ICICI publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it — official notice + community mapping |
| ICICI Bank Rubyx ICICI Bank | reduced | 0.25% | Treated as utility on non-EPM cards → 1 RP/₹100 vs 2 RP/₹100 domestic — official notice + community mapping |
| ICICI Bank Emeralde ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 4 RP per ₹100 on retail, and points earn only on the first ₹80,000 of government spend a statement cycle — double the Coral tier's, and a ceiling SHARED with utilities and telecom, since ICICI folded government into the utility bucket on 5 Feb 2024 and all three draw down the same pot |
| ICICI Bank Coral ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since ICICI folded government into the utility bucket on 5 Feb 2024 and all three draw down the same pot. Government spend is also struck out of the ₹1,50,000 annual-fee-waiver count. |
| ICICI Bank Expressions ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 3 RP per ₹100 on retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since ICICI folded government into the utility bucket on 5 Feb 2024 and all three draw down the same pot. The spend is excluded from the ₹1,50,000 fee-waiver count. |
| AU Zenith+ AU Small Finance Bank | reduced | 0.25% | 1 RP/₹100 on AU's education & govt band (official earn table) inside the shared 1,000-RP-a-statement-cycle cap it also puts on utilities, telecom, insurance, education and rent — 1,000 RP at that same 1 RP/₹100 is ₹1,00,000 a cycle of bucket spend in all. AU publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it; government spend is excluded from the milestone calculation |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since government payments (MCC 6760, 9222, 9211, 9399, 9402, 9405, 9313, 9311) were folded into ICICI's utility bucket on 5-Feb-2024 and draw down the same monthly pot as the power bill |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom. ICICI's 5-Feb-2024 notice reads "government transactions will be included under utility payment transactions", so tax, court and postal payments (MCC 6760, 9222, 9211, 9399, 9402, 9405, 9313, 9311) draw down the SAME pot as the electricity bill |
| ICICI Bank Coral against FD ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since government sits inside ICICI's utility bucket and all three draw down the same pot |
| ICICI Bank Rubyx against FD ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and points earn only on the first ₹80,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since government sits inside ICICI's utility bucket and all three draw down the same pot |
| IndiGo IDFC FIRST Secured IDFC FIRST Bank | reduced | 0.25% | 0.5 points/₹100 vs the 3 points/₹100 the card pays on ordinary spend — BluChips, 0.25% at ₹0.50 apiece, and government services close IDFC's published carve-out band, verbatim "0.5 On insurance, fuel, utility, rent, wallet, FASTag, education, railway spends & govt. services". The band is stated once above both application routes, so it governs the FD-backed edition too. No cap is published on it |
| Chennai Super Kings ICICI Bank ICICI Bank | reduced | 0.25% | Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail, and points earn only on the first ₹40,000 of government spend a statement cycle — a ceiling SHARED with utilities and telecom, since ICICI folded government into the utility bucket on 5 Feb 2024 and all three draw down the same pot. Tax payments are separately excluded from the top-spender contest. |
| Poonawalla Fincorp IndusInd eLITE RuPay IndusInd Bank | reduced | 0.20% | 0.5 RP/₹100 vs 1 RP/₹100 on UPI and at the point of sale, and against 2.5 RP/₹100 on e-commerce. IndusInd's own footnote reads "*Select Merchant Categories include utility bill payments, insurance premium payments, government services/charges/premium, education fees, rent", and its earn table gives that column 0.5 on every rail — e-commerce included, so paying a tax online does not help. The card converts to IndusInd Platinum RuPay from 5 October 2025. No cap is published on the band |
| CUB SalarySe Level UP City Union Bank | reduced | 0.20% | CUB files government services in its Base Rewards tier, the penalty rate rather than the everyday one — 1 point/₹100 vs the 5 points/₹100 the card pays on SalarySe UPI, online and in store. SCoins, in CUB's own name for them, and five of them are ₹1, so a tax payment earns 0.2%. The reward document puts government services in that tier beside railways, rent, education, insurance, telecom, tolls, agriculture, post office and BillPay. No cap is published on the tier |
| CUB SalarySe Level UP Virtual City Union Bank | reduced | 0.20% | CUB files government services in its Base Rewards tier, the penalty rate rather than the everyday one — 1 point/₹100 vs the 5 points/₹100 the card pays on SalarySe UPI and on online card spend. SCoins, in CUB's own name for them, and five of them are ₹1, so a tax payment earns 0.2%. The reward document puts government services in that tier beside railways, rent, education, insurance, telecom, tolls, agriculture, post office and BillPay. No cap is published on the tier |
| IndusInd Celesta IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100 domestic — "Government Services/Charges/Payments" |
| IndusInd Crest IndusInd Bank | reduced | 0.19% | 0.70 RP/₹100 vs 1 RP/₹100 |
| Standard Chartered Rewards Standard Chartered | reduced | 0.17% | 1 reward point per ₹150 vs 4 reward points per ₹150 on ordinary retail — a quarter of the base rate. Government spend is also excluded from the 4X bonus band on retail above ₹20,000 a cycle, so it never earns more than the 1X |
| HDFC Infinia Metal HDFC Bank | earns nothing | — | Zero RP since 1-Jan-2023 |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| ICICI Emeralde Private Metal ICICI Bank | earns nothing | — | Govt services + rent/property mgmt + fuel + tax payments + 3rd-party wallets excluded on Emeralde Metal, effective 1-Feb-2026 (BusinessToday/Finology, corroborating ICICI's own change notice) |
| HDFC Diners Club Black Metal HDFC Bank | earns nothing | — | Zero RP since 1-Jan-2023 |
| Axis Olympus Axis Bank | earns nothing | — | "Govt. Institutions" in the official Excluded Merchant Categories list (Olympus T&C §4) |
| Axis Burgundy Private Axis Bank | earns nothing | — | No EDGE RP on government institutions (CardInsider) |
| Marriott Bonvoy HDFC Bank HDFC Bank | earns nothing | — | Zero points; counts toward milestones per CardInsider — medium confidence |
| Axis Magnus Axis Bank | earns nothing | — | Zero; excluded from earn + fee waiver |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | earns nothing | — | Zero miles — Annexure 1 MCCs 9211/9222/9311/9399/9402/9405 (official MITC) |
| HDFC Regalia Gold HDFC Bank | earns nothing | — | Zero RP since 1-Jan-2023 |
| RBL Nova RBL Bank | earns nothing | — | "Government Services" in the official rbl.bank.in exclusion list |
| HSBC TravelOne HSBC | earns nothing | — | Tax 9311 + Edu&Govt bucket 9399/9222/9402/9211/9405; bail & bond 9223 also zero |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | MCC 8211/8220/8241/8244/8249/8299/9211/9222/9223/9311/9399/9402/9405/9950 earn nothing (Kotak files education and government as one block) |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | "Education & Government" in the published no-earn list |
| KrisFlyer SBI Card APEX SBI Card | earns nothing | — | Zero miles — MCC 9311 (and 9399) in the T&C's exclusion table |
| Axis Bank Reserve Axis Bank | earns nothing | — | Zero |
| Axis Horizon Axis Bank | earns nothing | — | MCC 9211/9222/9311/9399/9402/9405 — plus 8220 (colleges), which Horizon's T&C files under 'Govt. Institutions' |
| YES Bank Marquee YES Bank | earns nothing | — | Zero RP since 1-Apr-2025 (government + marketing/advertising added to exclusions) |
| HDFC Diners Club Privilege HDFC Bank | earns nothing | — | Zero RP since 1-Jan-2023 |
| Axis Miles & More World Select Axis Bank | earns nothing | — | Excluded — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | Government services on the official no-coins list |
| ixigo AU AU Small Finance Bank | earns nothing | — | Government payments on the official no-RP exclusion list |
| BOBCARD Etihad Guest BOBCARD (Bank of Baroda) | earns nothing | — | MCC 9211/9222/9311/9399/9402/9405 |
| Tata Neu Infinity HDFC Bank HDFC Bank | earns nothing | — | Zero NeuCoins on government/tax spends (community, flag) |
| Tata Neu Infinity SBI Card SBI Card | earns nothing | — | Zero NeuCoins — MCC 9399 and 9311 |
| SBI Card MILES PRIME SBI Card | earns nothing | — | Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) — all govt/tax zero |
| HSBC Live+ HSBC | earns nothing | — | MCC 9211/9222/9223/9311/9399/9402/9405/9950 — 0% cashback |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback — HSBC's education-and-government list names 9399, 9311, 9222, 9402, 9405, 9211 and 9223, which is every code in this category, plus 9950 |
| Equitas PowerMiles Equitas Small Finance Bank | earns nothing | — | Government transactions in the published exclusion list |
| IDBI Bank LIC Eclat Select IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223 |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | Zero earn — Annexure 1 MCCs 9211/9222/9311/9399/9402/9405 (official rewards T&C) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405 |
| Axis Miles & More World Axis Bank | earns nothing | — | Excluded — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | 'Government services' named in the 20-Jun-2025 T&C exclusion list |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | Government in the published no-earn list |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | "Any Tax-related payments will not be eligible for Reward Points." Note this card is expressly carved OUT of ICICI's Feb-2024 rule that folds government spend into utility. |
| IDBI Bank Euphoria World IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223 |
| IDBI Bank Royale Signature IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223 |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — between the "Tax Payment" row (9311), the "Education & Government" row (9399, 9222, 9402, 9211, 9405) and "Bail & Bond Payments" (9223), HSBC's table names every code in this category |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — between the "Tax Payment" row (9311), the "Education & Government" row (9399, 9222, 9402, 9211, 9405) and "Bail & Bond Payments" (9223), HSBC's table names every code in this category |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| IDBI Bank Winnings IDBI Bank | earns nothing | — | Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223 |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| IndiGo SBI Card ELITE SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | earns nothing | — | Government spending in the published exclusion list |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Government Services" in the card's published exclusion list |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero miles — ICICI utility/government bucket; community mapping, flag |
| YES Bank RESERV YES Bank | earns nothing | — | Government excluded (YES added govt to exclusions Apr-2025) — community, flag |
| YES Bank ELITE+ YES Bank | earns nothing | — | Zero points across the same 14-code list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950 |
| RBL iGlobe RBL Bank | earns nothing | — | Fees and taxes excluded (CardInsider exclusion list) |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | Zero SC Points — "Government Services" named in the SpiceClub earn exclusion list |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | Zero Air Miles — official MCC table (9211, 9222, 9223, 9399, 9402, 9405, 9950); EXCEPTION: tax payments (MCC 9311) DO earn miles |
| SBI Card MILES ELITE SBI Card | earns nothing | — | Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) — all govt/tax zero |
| IndiGo SBI Card SBI Card | earns nothing | — | Zero BluChips — in SBI's published exclusion list |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | earns nothing | — | Government spending in the published exclusion list |
| RBL Icon RBL Bank | earns nothing | — | Government / quasi-cash no-earn — RBL standard, community, flag |
| YES Essence YES Bank | earns nothing | — | "Government services" named in the card's own exclusion list |
| Tata Neu Plus HDFC Bank HDFC Bank | earns nothing | — | Named beside rent in the same exclusion bullet |
| Tata Neu Plus SBI Card SBI Card | earns nothing | — | Zero NeuCoins — MCC 9399 and 9311 |
| RBL World Safari RBL Bank | earns nothing | — | CONFLICT: absent from the official T&C MCC table, but RBL's card page/aggregators (Paisabazaar/CardInsider) list government + quasi-cash as no-earn — conservative excluded, flag |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's own dated exclusion footnote |
| KrisFlyer SBI Card SBI Card | earns nothing | — | Zero miles — in SBI's published exclusion list |
| PhonePe HDFC Bank Ultimo HDFC Bank | earns nothing | — | "government payments" — named in the Reward Points TnCs exclusion list |
| RBL Insignia Preferred Banking World Card RBL Bank | earns nothing | — | Government/tax excluded — RBL standard, community, flag |
| Shoppers Stop Black HDFC Bank HDFC Bank | earns nothing | — | "No Reward Points accrual on spends made on Rental and Government category payments" |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | Zero miles — ICICI utility/government bucket; community mapping, flag |
| SBI Card ELITE SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024; SBI's list for that date names "SBI Card ELITE" |
| MakeMyTrip ICICI Bank ICICI Bank | earns nothing | — | ICICI utility/government bucket → zero — community mapping, flag |
| Axis Bank Privilege Axis Bank | earns nothing | — | Government MCCs are on the published no-earn list |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points; government/tax generally excluded from milestone spend (flag) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| RBL Platinum LifeEasy RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's own dated exclusion footnote |
| AU Ananta AU Small Finance Bank | earns nothing | — | Zero RP since 1-Apr-2024 bank-wide revision |
| IndusInd Legend IndusInd Bank | earns nothing | — | No RP (community/flag) |
| PhonePe HDFC Bank Uno HDFC Bank | earns nothing | — | "government payments" — named in the PhonePe programme's Reward Points exclusion list |
| AU Zenith AU Small Finance Bank | earns nothing | — | Zero RP since 1-Apr-2024 |
| SBI Card PRIME SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "SBI Card PRIME" on SBI's list for that date |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | Zero SC Points — government services named in the SpiceClub earn exclusion list |
| IndianOil Axis Bank Premium Axis Bank | earns nothing | — | MCC 8220/9211/9222/9311/9399/9402/9405 earn nothing; not named on either waiver-exclusion list |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Government Services" in the card's published exclusion list |
| HDFC PIXEL Go HDFC Bank | earns nothing | — | Excluded by MCC (9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) in the product T&C |
| SBI Card MILES SBI Card | earns nothing | — | Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) — all govt/tax zero |
| IRCTC SBI Platinum Card SBI Card | earns nothing | — | Zero points — government accrual discontinued on this card w.e.f. 15 Jul 2024 |
| RBL Signature Banking RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| RBL Apex RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| BOBCARD Premier BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405 |
| AU Vetta AU Small Finance Bank | earns nothing | — | Zero RP since 1-Apr-2024 |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | earns nothing | — | Named beside rent in the same exclusion bullet |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Government payments excluded — BOBCARD standard, community, flag |
| SBI Card PULSE SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "SBI Card Pulse" on SBI's list for that date |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405 |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | Named verbatim — "Government services" |
| YES Bank SELECT YES Bank | earns nothing | — | Zero points across a 14-code list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950 |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950 |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins on "Government Services – Not Elsewhere Classified", tax payments and fines |
| Kotak League Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 9222, 9223, 9311, 9399, 9402 and 9405 |
| Federal Bank Celesta Federal Bank | earns nothing | — | Government excluded (Federal standard) — community, flag |
| IndusInd Pioneer Heritage IndusInd Bank | earns nothing | — | Government/tax excluded (community, flag) |
| Axis Bank My Zone Axis Bank | earns nothing | — | "Government Institutions" earn nothing and are excluded from the milestone count |
| Fibe Axis Bank Credit Card Axis Bank | earns nothing | — | Government services earn nothing |
| Axis Bank REWARDS Axis Bank | earns nothing | — | "Govt. Institutions" on the excluded-MCC table |
| YES Bank Wellness Plus YES Bank | earns nothing | — | Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950 |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | "Government Services" is an excluded MCC category |
| Axis Bank NEO Axis Bank | earns nothing | — | Zero points |
| SimplyCLICK SBI Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued on this card w.e.f. 1 Jun 2024 |
| AU Bank NOMO Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — the same shelf-wide "Education & Govt" block |
| RBL Lumière RBL Bank | earns nothing | — | Government/tax excluded — RBL standard, community, flag |
| SBI AURUM SBI Card | earns nothing | — | Government/tax spends excluded from rewards (SBI Card standard exclusion list, community, flag) |
| HDFC Bank Millennia HDFC Bank | earns nothing | — | Named beside rent in the same 1-Jan-2023 clause, and again in the CashBack table's "except Fuel, EMI, Wallet, Rent payments, Govt related txns" footnote |
| HDFC Bank PIXEL Play HDFC Bank | earns nothing | — | Excluded from all three buckets by MCC: 9211, 9222, 9223, 9311, 9399, 9402, 9405 |
| HDFC Bank Freedom HDFC Bank | earns nothing | — | Named beside rent in the same 1-Jan-2023 clause and in the earn table's footnote |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — MCC 9399 and 9311 |
| Reliance SBI Card PRIME SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 15 Jun 2024 |
| Apollo SBI Card SELECT SBI Card | earns nothing | — | Zero Health Credits — §11.6(c), MCC 9399 and 9311 |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 9222, 9311 and 9402 |
| Axis Bank Cashback Axis Bank | earns nothing | — | "Govt. Institutions" earn nothing, and transportation and tolls are excluded alongside them |
| Axis Bank Freecharge Plus Axis Bank | earns nothing | — | Government services earn nothing |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | Government services earn nothing |
| Paytm HDFC Bank Digital HDFC Bank | earns nothing | — | Government spends earn nothing |
| Paytm HDFC Bank Mobile HDFC Bank | earns nothing | — | Government spends earn nothing |
| Kotak Cashback+ Kotak Mahindra Bank | earns nothing | — | Government spends earn nothing |
| Kotak Cashback+ Prime Kotak Mahindra Bank | earns nothing | — | Government spends earn nothing |
| Paytm HDFC Bank HDFC Bank | earns nothing | — | Government spends earn nothing |
| Kotak UPI RuPay Kotak Mahindra Bank | earns nothing | — | Added to the exclusion list with effect from 1 June 2025 |
| Axis Bank Kwik Axis Bank | earns nothing | — | "Govt. services" earns no EDGE REWARD Points |
| Axis Bank Pride Platinum Axis Bank | earns nothing | — | "Government Institutions" earns no EDGE REWARD Points |
| Axis Bank Pride Signature Axis Bank | earns nothing | — | "Government Institutions" earns no EDGE REWARD Points |
| HDFC Bank UPI RuPay HDFC Bank | earns nothing | — | Zero CashPoints — the same "Education and Govt Related Transactions" line |
| IndianOil HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero Fuel Points — "Government related transactions" in §2.1, "Govt. spends" in Table 1.1, and TAX is listed separately in §2.1 as well |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | No EDGE REWARDS; "Government Institutions" is named on Axis's exclusion list for this card |
| SimplySAVE SBI Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, under SBI's card-wide Shop-and-Smile exclusions |
| HDFC Bank MoneyBack+ HDFC Bank | earns nothing | — | Zero points since 1 Jan 2023 |
| Landmark Rewards SBI Card SELECT SBI Card | earns nothing | — | Zero points — named outright in SBI's own earn line for this card |
| Landmark Rewards SBI Card SBI Card | earns nothing | — | Zero points — named outright in SBI's own earn line for this card |
| Reliance SBI Card SBI Card | earns nothing | — | Zero points from 15 Jun 2024 — MCC 9399 and 9311, named on this card by name |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points — government transactions and tax payments are both named |
| LIC Axis Bank Platinum Axis Bank | earns nothing | — | Zero points — government services are named in clause 12 |
| ICICI Bank NRI Coral ICICI Bank | earns nothing | — | Struck out of the ₹1,50,000 annual-fee-reversal threshold by the MITC's "Spend Threshold Criteria (w.e.f. Nov 15, 2024)", which excludes rent, government and education payments. |
| ICICI Bank NRI Sapphiro ICICI Bank | earns nothing | — | Struck out of the ₹6,00,000 annual-fee-reversal threshold by the MITC's "Spend Threshold Criteria (w.e.f. Nov 15, 2024)". |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Government services' — zero cashback |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Government services' — zero cashback |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Government services' — zero cashback |
| Axis Bank Shoppers Stop Credit Card Axis Bank | earns nothing | — | "Govt. Institutions", restated in June 2025 as "Government services" — zero points, and still inside the waiver count |
| RBL Platinum Delight RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223), and it does not count toward the waiver either |
| RBL Platinum ShopGain RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Platinum Max RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's exclusion table |
| RBL Platinum Prime RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Platinum Plus RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Platinum Choice RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Platinum Advantage RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Binge RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL MyFirst RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL EasySaver RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Shoprite RBL Bank | earns nothing | — | Zero RP since 15-Oct-2024 — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223), and it does not count toward the waiver |
| RBL Movies and More RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | Zero RP and no waiver credit — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | No cashback — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | No cashback — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | Zero RP — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the original list |
| RBL Cookies RBL Bank | earns nothing | — | Zero benefit — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — "Government related transactions" is on the exclusion list |
| AU LIT Credit Card AU Small Finance Bank | earns nothing | — | Zero RP on base and on 5X/10X — the same "Education & Govt" block (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950 on the government side) |
| AU Altura Plus Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — the same "Education & Govt" block |
| AU Altura Credit Card AU Small Finance Bank | earns nothing | — | Zero cashback since 1-Apr-2024 — the same "Education & Govt" block AU removed on that date |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCCs 8111, 9211, 9222, 9223, 9311, 9313, 9314, 9321, 9399, 9402, 9405, 9411 and 8398 all earn nothing. 8398 is listed twice by Suryoday, under both Government Services and Charities |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCCs 8111, 9211, 9222, 9223, 9311, 9313, 9314, 9321, 9399, 9402, 9405, 9411 and 8398 earn nothing |
| SBM MobiKwik First Credit Card SBM Bank (India) | earns nothing | — | Government services (MCC 9399) and tax payments (MCC 9311) are both named on the exclusion table |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | "Govt Spends, Gambling, Games, Lottery" are all named in the exclusion prose |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing, taxes included |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing, taxes included, which matters more here than on the paid variants because UPI is how most people pay them |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing, taxes included |
| CUB CSK Master World City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing, taxes included |
| CUB SRH Master World City Union Bank | earns nothing | — | "Government Payments | 9000–9999" — the entire government MCC space earns nothing |
| IndianOil RBL Bank Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's §3.7 exclusion table |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's §3.8 exclusion table |
| RBL Bank Shoppers Stop Black RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | Government services on the Scapia no-coins list |
| RBL World Plus RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's two stacked exclusion footnotes |
| RBL World Prime RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's two stacked exclusion footnotes |
| RBL World Max RBL Bank | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the product page's two stacked exclusion footnotes |
| Paytm SBI Card SELECT SBI Card | earns nothing | — | Zero points — MCC 9311 and 9399. SBI's table mislabels this row "Gaming", but 9311 and 9399 are tax and government-services codes, so it is government spend that earns nothing |
| PhonePe SBI Card SELECT BLACK SBI Card | earns nothing | — | Zero points — MCC 9311 and 9399 |
| Paytm SBI Card SBI Card | earns nothing | — | Zero points — MCC 9311 and 9399, filed under a row SBI's own table mislabels "Gaming" |
| KVB SBI Signature Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "KVB SBI Signature Card" on SBI's list for that date |
| KVB SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "KVB SBI Platinum Card" on SBI's list for that date |
| South Indian Bank SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 1 Jun 2024, with "SIB SBI Platinum Card" on SBI's list for that date |
| Shaurya SBI Card SBI Card | earns nothing | — | Accrual on government transactions (MCC 9399 and 9311) was discontinued with effect from 1 June 2024 |
| PhonePe SBI Card PURPLE SBI Card | earns nothing | — | Zero points — MCC 9311 and 9399 |
| SBI Card Unnati SBI Card | earns nothing | — | Zero points from 1 Jun 2024 — MCC 9399 and 9311, named on this card by name |
| Axis Atlas Axis Bank | earns nothing | — | MCCs 9222/9311/9399/9402 (pre-Jun-2025 list); excluded from earn, tier and milestones since 20-Apr-2024 |
| Axis Bank Vistara Infinite Credit Card Axis Bank | earns nothing | — | "Government services" — named in the post-merger list |
| YES First Preferred YES Bank | earns nothing | — | Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950 |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points — "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the T&C's own category/MCC exclusion table |
| Kotak Privy League Signature Kotak Mahindra Bank | earns nothing | — | Zero RP on government/tax (community, flag) |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero Miles w.e.f. 15 Jan 2026 (and inside ICICI's utility bucket since 5 Feb 2024) |
| Air India SBI Signature Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued w.e.f. 15 Jul 2024 |
| Club Vistara SBI Card PRIME SBI Card | earns nothing | — | Zero CV Points — MCC 9399 and 9311, discontinued w.e.f. 15 Jul 2024 |
| Axis Bank Vistara Signature Credit Card Axis Bank | earns nothing | — | "Government services" — named in the post-merger list |
| Club Vistara SBI Card SBI Card | earns nothing | — | Zero CV Points — MCC 9399 and 9311, discontinued w.e.f. 15 Jul 2024 |
| Axis Bank Vistara Credit Card Axis Bank | earns nothing | — | "Government services" — named in the post-merger list |
| Air India SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 9399 and 9311, discontinued for this card w.e.f. 15 Jul 2024 |
| HDFC Regalia HDFC Bank | earns nothing | — | Zero RP — the exception list covers only business variants (Business Regalia, BizBlack et al), not the consumer Regalia (official fees PDF) |
| HDFC Regalia Activ HDFC Bank | earns nothing | — | Named in the same 1-Jan-2023 clause as rent |
| RBL Bank novio RBL Bank | earns nothing | — | No Reward Points — MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311 and 9223 |
Best credit cards that earn on income-tax and government payments
The desk's call for the category — a different question from the podium above. The podium ranks what ₹100 of government / tax returns on a swipe today; this board ranks on ₹ back on one ₹1,00,000 tax payment . Same data, two views, and each says its own question.
Which credit card earns rewards on an income-tax, GST or government payment in India?
START WITH THE NEGATIVE, because it IS the answer: 215 of the 296 whose government rule this desk holds earn EXACTLY NOTHING on an advance-tax challan, a GST payment, a property-tax bill or a court fee — HDFC zeroed its whole shelf on 1 January 2023 and the market followed. They are named under the table with the clause that zeroes them. A further 12 cards DO earn on a tax payment and are still not ranked: their rule states a bucket — "capped", "up to", "inside the utility bucket" — in units nothing here converts into rupees of tax, or ONE ceiling shared with other categories that the issuer never split (HSBC Premier's is shared with utilities and insurance besides). They are named at their rate under the table. IDFC FIRST Mayura leads the 67 this desk can price, of 79 that pay anything: ₹1,001 back on a single ₹1,00,000 tax payment. IDFC FIRST Mayura gets there on 1.00% on a government or tax payment, with no bucket ceiling published on the rule we hold. AND 2 OF THE RANKED CARDS COUNT YOUR TAX OUT OF ITS OWN FEE WAIVER — the rupees you paid the government do not move you toward the spend that would have waived the annual fee. Every row that carries one quotes it verbatim.
Paying tax by card is the biggest single swipe most Indians ever make, and 215 of the 296 whose rule we hold pay ZERO on it. Here is the short list that pays anything, priced on one ₹1,00,000 payment — because tax is a lump on a due date, not a monthly basket.
Verified through · The records behind this board — the card records this ranks and the government rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build.
Ranks 1–15 of 67 · ranked by ₹ back on one ₹1,00,000 tax payment
| # | Card | ₹ back on one ₹1,00,000 tax payment | The math |
|---|---|---|---|
| 1 | IDFC FIRST Mayura | ₹1,001 | 1.00% on a government or tax payment — the card's REDUCED government rate — 3 RP/₹150 vs the 5 RP/₹150 base · excluded from 10X milestone calc · ₹5,999/yr |
| 2 | Standard Chartered Ultimate | ₹2,000 | 2.00% on a government or tax payment — the card's REDUCED government rate — 3 RP/₹150 on MCC 9399 · uncapped · tax MCC 9311 NOT in reduced list → arguably full 5/₹150 · ₹5,000/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 3 | IDFC FIRST Hello Cashback | ₹1,000 | 1.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹1,000/yr |
| 4 | IndusInd Tiger | ₹800 | 0.80% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 5 | IRCTC SBI Card Premier | ₹800 | 0.80% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹1,499/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 6 | IDFC FIRST Ashva | ₹800 | 0.80% on a government or tax payment · no ceiling published on this rung — 3 RP per ₹150 ≈ 0.8% · don't count toward the ₹20k trigger · ₹2,999/yr |
| 7 | IDFC FIRST WOW! Black | ₹668 | 0.67% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹750/yr |
| 8 | IndusInd Pinnacle World | ₹560 | 0.56% on a government or tax payment — the card's REDUCED government rate — 'Select categories' earn ~0.70 RP/₹100 per CardExpert · ₹0/yr · ₹15,000 joining (one-time) · the desk's own rule here is flagged unverified — ranked, not crowned |
| 9 | IDFC FIRST WOW! | ₹500 | 0.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 10 | IndusInd Duo | ₹500 | 0.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 11 | IDFC FIRST Quantum+ | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — ₹0.50 per ₹100 vs ₹1 per ₹100 in store · and IDFC's own sentence keeps those spends out of the ₹10,000 online-spend milestone · s… · the card itself stops earning past ₹1,00,000 of spend a month · ₹0 — lifetime free |
| 12 | IDFC FIRST HPCL Power+ | ₹500 | 0.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹499/yr |
| 13 | IDFC FIRST Diamond Reserve | ₹500 | 0.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹3,000/yr |
| 14 | IndusInd Avios Visa Infinite | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — 1 Avios/₹200 vs 3 Avios/₹200 on ordinary retail · ₹10,000 joining, then ₹5,000/yr |
| 15 | IDFC FIRST Wealth | ₹375 | 0.38% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
the other 52 — ranks 16 to 67
| # | Card | ₹ back on one ₹1,00,000 tax payment | The math |
|---|---|---|---|
| 16 | IDFC FIRST Select | ₹375 | 0.38% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 17 | IDFC FIRST Millennia | ₹375 | 0.38% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 18 | IDFC FIRST Classic | ₹375 | 0.38% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free |
| 19 | Kotak Zen Signature | ₹333 | 0.83% on a government or tax payment — the card's ordinary rate, no government accelerator published · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹1,500/yr |
| 20 | IndiGo IDFC FIRST Secured | ₹250 | 0.25% on a government or tax payment — the card's REDUCED government rate — 0.5 points/₹100 vs the 3 points/₹100 the card pays on ordinary spend · 0.25% at ₹0.50 apiece · No cap is published on it · ₹0 joining, then ₹4,999/yr |
| 21 | BPCL SBI Card OCTANE | ₹250 | 0.25% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹1,499/yr |
| 22 | IndiGo IDFC FIRST Dual Credit Card | ₹250 | 0.25% on a government or tax payment — the card's REDUCED government rate — treated with the reduced band at 0.5 BluChips/₹100 · ₹4,999/yr · the desk's own rule here is flagged unverified — ranked, not crowned |
| 23 | CUB SalarySe Level UP Virtual | ₹200 | 0.20% on a government or tax payment — the card's REDUCED government rate — 1 point/₹100 vs the 5 points/₹100 the card pays on SalarySe UPI and on online card spend · and five of them are ₹1 · so a tax pay… · ₹0 — lifetime free |
| 24 | CUB SalarySe Level UP | ₹200 | 0.20% on a government or tax payment — the card's REDUCED government rate — 1 point/₹100 vs the 5 points/₹100 the card pays on SalarySe UPI · and five of them are ₹1 · so a tax payment earns 0.2% · No cap… · ₹500/yr |
| 25 | Standard Chartered Rewards | ₹167 | 0.17% on a government or tax payment · the rate stops at ₹1,19,76,048 of tax paid a month · 0.17% on every rupee past that ceiling — 1 RP per ₹150 only · ₹0 joining, then ₹1,000/yr |
| 26 | ICICI Bank Platinum Chip Credit Card | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on retail · and points earn only on the first ₹40,000 of government spend a statement cycle · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹0 — lifetime free |
| 27 | ICICI Bank HPCL Coral Credit Card | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on retail · and points earn only on the first ₹40,000 of government spend a statement cycle · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹199/yr |
| 28 | Unity Bank BharatPe Credit Card | ₹2,000 | 2.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free · the desk's own verdict is downgrade |
| 29 | DBS Vantage | ₹2,000 | 2.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹20,000/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 30 | Titan SBI Card | ₹1,500 | 1.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · the card itself stops earning past ₹1,00,000 of spend a month · ₹2,999/yr · the desk's own verdict is downgrade |
| 31 | IndusInd Bank Nexxt Credit Card | ₹534 | 0.53% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0/yr · ₹10,000 joining (one-time) · the desk's own verdict is downgrade |
| 32 | Standard Chartered EaseMyTrip | ₹500 | 0.50% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹350/yr · the desk's own verdict is downgrade · the desk's own rule here is flagged unverified — ranked, not crowned |
| 33 | Adani One ICICI Bank Platinum | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — 0.5 per ₹100 vs 1 per ₹100 on domestic retail · ₹750/yr · the desk's own verdict is downgrade |
| 34 | ICICI Bank Rubyx | ₹250 | 0.25% on a government or tax payment — the card's REDUCED government rate — Treated as utility on non-EPM cards → 1 RP/₹100 vs 2 RP/₹100 domestic · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 35 | ICICI Bank Rubyx against FD | ₹200 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and points earn only on the first ₹80,000 of government spend a stateme… · the category bucket stops at ₹80,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹3,000 joining, then ₹2,000/yr · the desk's own verdict is downgrade |
| 36 | ICICI Bank Emeralde | ₹200 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 4 RP per ₹100 on retail · and points earn only on the first ₹80,000 of government spend a statement cycle · the category bucket stops at ₹80,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹12,000/yr · the desk's own verdict is downgrade |
| 37 | ICICI Bank Expressions | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 3 RP per ₹100 on retail · and points earn only on the first ₹40,000 of government spend a statement cycle · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · and it does not count: The spend is excluded from the ₹1,50,000 fee-waiver count. · ₹499/yr · the desk's own verdict is downgrade |
| 38 | ICICI Bank Coral | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and points earn only on the first ₹40,000 of government spend a stateme… · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · and it does not count: Government spend is also struck out of the ₹1,50,000 annual-fee-waiver count. · ₹500/yr · the desk's own verdict is downgrade |
| 39 | ICICI Bank Coral against FD | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and points earn only on the first ₹40,000 of government spend a stateme… · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹500/yr · the desk's own verdict is downgrade |
| 40 | Axis Bank PRIMUS | ₹5,000 | 5.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 41 | Standard Chartered Beyond | ₹2,000 | 2.00% on a government or tax payment — the card's REDUCED government rate — 3 RP per ₹150 (2%) · ₹15,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 42 | Amex Platinum Charge | ₹1,250 | 1.25% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹66,000/yr · issuance paused |
| 43 | Amex Membership Rewards Card | ₹1,000 | 1.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹1,000 joining, then ₹4,500/yr · issuance paused |
| 44 | Amex Gold Charge | ₹1,000 | 1.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹1,000 joining, then ₹4,500/yr · issuance paused |
| 45 | Amex Platinum Travel | ₹1,000 | 1.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹5,000/yr · issuance paused |
| 46 | Amex Platinum Reserve | ₹1,000 | 1.00% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹10,000/yr · issuance paused |
| 47 | Flipkart Axis Bank Super Elite | ₹800 | 0.80% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹500/yr · issuance paused |
| 48 | IDFC FIRST Gaj | ₹668 | 0.67% on a government or tax payment · no ceiling published on this rung · ₹12,500/yr · invite-only — not on open application |
| 49 | IDFC FIRST Private | ₹668 | 0.67% on a government or tax payment · no ceiling published on this rung — 1 RP per ₹150 ≈ 0.67% · ₹50,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 50 | IndusInd PIONEER Private | ₹560 | 0.56% on a government or tax payment — the card's REDUCED government rate — 0.7 RP/₹100 vs 3 RP/₹100 · ₹25,000/yr · invite-only — not on open application |
| 51 | IndusInd Pioneer Legacy | ₹560 | 0.56% on a government or tax payment — the card's REDUCED government rate — 0.70 RP/₹100 vs 1 RP/₹100 on weekdays · ₹0/yr · ₹50,000 joining (one-time) · invite-only — not on open application |
| 52 | IndusInd Iconia Visa | ₹525 | 0.53% on a government or tax payment · no ceiling published on this rung — 0.70 RP/₹100 under IndusInd's rewards revision · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants |
| 53 | IndusInd Iconia Amex | ₹523 | 0.52% on a government or tax payment — the card's REDUCED government rate — 0.70 RP/₹100 vs 1.5 RP/₹100 on weekdays · ₹0/yr · ₹3,499 joining (one-time) · closed to new applicants |
| 54 | IB-VISA-Gold | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — ₹0.50 per ₹100 vs ₹1 per ₹100 · No cap is published on the row · ₹0 joining, then ₹250/yr · availability not published |
| 55 | IB-VISA-Platinum | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — ₹0.50 per ₹100 vs ₹1 per ₹100 · No cap is published on the row · ₹0 joining, then ₹250/yr · availability not published |
| 56 | IB-RuPay-Platinum | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — ₹0.50 per ₹100 vs ₹1 per ₹100 · On this RuPay variant a UPI transaction under ₹2,000 earns nothing at all · No cap is published o… · ₹0 joining, then ₹250/yr · availability not published |
| 57 | IB-RuPay-Select | ₹500 | 0.50% on a government or tax payment — the card's REDUCED government rate — ₹0.50 per ₹100 vs ₹1 per ₹100 · On this RuPay variant a UPI transaction under ₹2,000 earns nothing at all · No cap is published o… · ₹0 joining, then ₹250/yr · availability not published |
| 58 | Club Vistara IDFC FIRST | ₹400 | 0.40% on a government or tax payment — the card's REDUCED government rate — Cut to 1 point per ₹200 vs the 6 points per ₹200 the card's first spend tier pays · 0.4% at ₹0.80 apiece · No cap is published on… · ₹4,999/yr · closed to new applicants |
| 59 | Indus Solitaire | ₹386 | 0.39% on a government or tax payment — the card's REDUCED government rate — 0.7 RP/₹100 vs 1 RP/₹100 · ₹30,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 60 | IndusInd Indulge | ₹280 | 0.28% on a government or tax payment — the card's REDUCED government rate — 0.70 RP/₹100 vs 1.5 RP/₹100 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 61 | RBL World Safari Plus | ₹250 | 0.25% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹6,000/yr · invite-only — not on open application · the desk's own rule here is flagged unverified — ranked, not crowned |
| 62 | OneCard Metal | ₹200 | 0.20% on a government or tax payment — the card's ordinary rate, no government accelerator published · ₹0 — lifetime free · issuance paused · the desk's own rule here is flagged unverified — ranked, not crowned |
| 63 | Poonawalla Fincorp IndusInd eLITE RuPay | ₹200 | 0.20% on a government or tax payment — the card's REDUCED government rate — 0.5 RP/₹100 vs 1 RP/₹100 on UPI and at the point of sale · and against 2.5 RP/₹100 on e-commerce · No cap is published on the band · ₹0 — lifetime free · closed to new applicants |
| 64 | IndusInd Celesta | ₹190 | 0.19% on a government or tax payment — the card's REDUCED government rate — 0.70 RP/₹100 vs 1 RP/₹100 domestic · ₹25,000 joining, then ₹5,000/yr · invite-only — not on open application |
| 65 | IndusInd Crest | ₹190 | 0.19% on a government or tax payment — the card's REDUCED government rate — 0.70 RP/₹100 vs 1 RP/₹100 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 66 | Kotak Royale Signature | ₹133 | 0.33% on a government or tax payment — the card's ordinary rate, no government accelerator published · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹1,499 joining, then ₹999/yr · closed to new applicants |
| 67 | Chennai Super Kings ICICI Bank | ₹100 | 0.25% on a government or tax payment — the card's REDUCED government rate — Earns 1 RP per ₹100 vs 2 RP per ₹100 on ordinary retail · and points earn only on the first ₹40,000 of government spend a stateme… · the category bucket stops at ₹40,000 of government spend a statement cycle, which ₹1,00,000 walks past — nothing above it earns at all · ₹500/yr · closed to new applicants |
Earns nothing on a tax payment — or a bucket we will not price — 229 cards, each with the reason
- HDFC Infinia Metal — your income-tax challan earns nothing on this card — Zero RP since 1-Jan-2023
- Axis Magnus for Burgundy — your income-tax challan earns nothing on this card — Same as Magnus
- ICICI Emeralde Private Metal — your income-tax challan earns nothing on this card — Govt services + rent/property mgmt + fuel + tax payments + 3rd-party wallets excluded on Emeralde Metal, effective 1-Feb-2026 (Bu…
- HDFC Diners Club Black Metal — your income-tax challan earns nothing on this card — Zero RP since 1-Jan-2023
- Axis Olympus — your income-tax challan earns nothing on this card — "Govt · Institutions" in the official Excluded Merchant Categories list (Olympus T&C §4)
- Axis Burgundy Private — your income-tax challan earns nothing on this card — No EDGE RP on government institutions (CardInsider)
- HSBC Premier (Metal) — 3.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — HSBC publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it
- Marriott Bonvoy HDFC Bank — your income-tax challan earns nothing on this card — Zero points · counts toward milestones per CardInsider · medium confidence
- Axis Magnus — your income-tax challan earns nothing on this card — the rule zeroes the category · and it does not count: excluded from earn + fee waiver
- BOBCARD Etihad Guest Premium — your income-tax challan earns nothing on this card — Zero miles · Annexure 1 MCCs 9211/9222/9311/9399/9402/9405 (official MITC)
- HDFC Regalia Gold — your income-tax challan earns nothing on this card — Zero RP since 1-Jan-2023
- RBL Nova — your income-tax challan earns nothing on this card — "Government Services" in the official rbl.bank.in exclusion list
- HSBC TravelOne — your income-tax challan earns nothing on this card — Tax 9311 + Edu&Govt bucket 9399/9222/9402/9211/9405 · bail & bond 9223 also zero
- Kotak Air+ Prime — your income-tax challan earns nothing on this card — MCC 8211/8220/8241/8244/8249/8299/9211/9222/9223/9311/9399/9402/9405/9950 earn nothing (Kotak files education and government as o…
- Kotak Air+ — your income-tax challan earns nothing on this card — "Education & Government" in the published no-earn list
- KrisFlyer SBI Card APEX — your income-tax challan earns nothing on this card — Zero miles · MCC 9311 (and 9399) in the T&C's exclusion table
- Axis Bank Reserve — your income-tax challan earns nothing on this card — Zero
- ICICI Times Black — 2.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — ICICI's own wording ('monthly cap of 5000 reward points on following categories') never says whether the 5,000 is per category or…
- Axis Horizon — your income-tax challan earns nothing on this card — MCC 9211/9222/9311/9399/9402/9405 · plus 8220 (colleges), which Horizon's T&C files under 'Govt · Institutions'
- YES Bank Marquee — your income-tax challan earns nothing on this card — Zero RP since 1-Apr-2025 (government + marketing/advertising added to exclusions)
- HDFC Diners Club Privilege — your income-tax challan earns nothing on this card — Zero RP since 1-Jan-2023
- Axis Miles & More World Select — your income-tax challan earns nothing on this card — Excluded · community/flag
- Scapia (Federal Bank) — your income-tax challan earns nothing on this card — Government services on the official no-coins list
- ixigo AU — your income-tax challan earns nothing on this card — Government payments on the official no-RP exclusion list
- BOBCARD Etihad Guest — your income-tax challan earns nothing on this card — MCC 9211/9222/9311/9399/9402/9405
- Tata Neu Infinity HDFC Bank — your income-tax challan earns nothing on this card — Zero NeuCoins on government/tax spends (community, flag)
- Tata Neu Infinity SBI Card — your income-tax challan earns nothing on this card — Zero NeuCoins · MCC 9399 and 9311
- SBI Card MILES PRIME — your income-tax challan earns nothing on this card — Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) · all govt/tax zero
- AU CA Metal — 2.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — AU publishes no split of that ceiling, so no rupee of it belongs to a tax payment alone
- AU CS — 2.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — AU publishes no split of that ceiling, so no rupee of it belongs to a tax payment alone
- HSBC Live+ — your income-tax challan earns nothing on this card — 0% cashback
- HSBC RuPay Cashback — your income-tax challan earns nothing on this card — Zero cashback · HSBC's education-and-government list names 9399, 9311, 9222, 9402, 9405, 9211 and 9223, which is every code in th…
- Equitas PowerMiles — your income-tax challan earns nothing on this card — Government transactions in the published exclusion list
- IDBI Bank LIC Eclat Select — your income-tax challan earns nothing on this card — Zero Delight Points · the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) an…
- BOBCARD Eterna — your income-tax challan earns nothing on this card — Zero earn · Annexure 1 MCCs 9211/9222/9311/9399/9402/9405 (official rewards T&C)
- BOBCARD Tiara — your income-tax challan earns nothing on this card — Zero points · Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405
- Axis Miles & More World — your income-tax challan earns nothing on this card — Excluded · community/flag
- Axis Bank SELECT — your income-tax challan earns nothing on this card — 'Government services' named in the 20-Jun-2025 T&C exclusion list
- Kotak Air — your income-tax challan earns nothing on this card — Government in the published no-earn list
- Amazon Pay ICICI Bank — your income-tax challan earns nothing on this card — "Any Tax-related payments will not be eligible for Reward Points." Note this card is expressly carved OUT of ICICI's Feb-2024 rul…
- IDBI Bank Euphoria World — your income-tax challan earns nothing on this card — Zero Delight Points · the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) an…
- IDBI Bank Royale Signature — your income-tax challan earns nothing on this card — Zero Delight Points · the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) an…
- HSBC Platinum — your income-tax challan earns nothing on this card — Zero reward points · between the "Tax Payment" row (9311), the "Education & Government" row (9399, 9222, 9402, 9211, 9405) and "B…
- HSBC RuPay Platinum — your income-tax challan earns nothing on this card — Zero reward points · between the "Tax Payment" row (9311), the "Education & Government" row (9399, 9222, 9402, 9211, 9405) and "B…
- RBL Platinum Maxima — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- IDBI Bank Winnings — your income-tax challan earns nothing on this card — Zero Delight Points · the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) an…
- RBL Platinum Maxima Plus — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- TVS Credit RBL Bank Gold — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- Adani One ICICI Bank Signature — a government payment earns at a rate unpublished — the issuer states a cut and never its size — ICICI utility/government bucket on non-EPM cards → reduced earn · community mapping, flag
- IndiGo SBI Card ELITE — your income-tax challan earns nothing on this card — Zero BluChips · in SBI's published exclusion list
- IndiGo Kotak Premium Credit Card — your income-tax challan earns nothing on this card — Government spending in the published exclusion list
- IndiGo Axis Bank Premium Credit Card — your income-tax challan earns nothing on this card — "Government Services" in the card's published exclusion list
- Emirates Skywards ICICI Bank Emeralde — your income-tax challan earns nothing on this card — Zero miles · ICICI utility/government bucket · community mapping, flag
- YES Bank RESERV — your income-tax challan earns nothing on this card — Government excluded (YES added govt to exclusions Apr-2025) · community, flag
- YES Bank ELITE+ — your income-tax challan earns nothing on this card — Zero points across the same 14-code list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
- RBL iGlobe — your income-tax challan earns nothing on this card — Fees and taxes excluded (CardInsider exclusion list)
- SpiceJet Axis Bank Voyage Black — your income-tax challan earns nothing on this card — Zero SC Points · "Government Services" named in the SpiceClub earn exclusion list
- Kotak Solitaire — your income-tax challan earns nothing on this card — Zero Air Miles · official MCC table (9211, 9222, 9223, 9399, 9402, 9405, 9950) · EXCEPTION: tax payments (MCC 9311) DO earn miles
- SBI Card MILES ELITE — your income-tax challan earns nothing on this card — Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) · all govt/tax zero
- IndiGo SBI Card — your income-tax challan earns nothing on this card — Zero BluChips · in SBI's published exclusion list
- IndiGo Kotak Credit Card — your income-tax challan earns nothing on this card — Government spending in the published exclusion list
- RBL Icon — your income-tax challan earns nothing on this card — Government / quasi-cash no-earn · RBL standard, community, flag
- YES Essence — your income-tax challan earns nothing on this card — "Government services" named in the card's own exclusion list
- Tata Neu Plus HDFC Bank — your income-tax challan earns nothing on this card — Named beside rent in the same exclusion bullet
- Tata Neu Plus SBI Card — your income-tax challan earns nothing on this card — Zero NeuCoins · MCC 9399 and 9311
- RBL World Safari — the issuer's own documents disagree about what a government payment earns on this card — we won't rank a number we can't settle — CONFLICT: absent from the official T&C MCC table, but RBL's card page/aggregators (Paisabazaar/CardInsider) list government + qua…
- RBL Platinum Edge — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- KrisFlyer SBI Card — your income-tax challan earns nothing on this card — Zero miles · in SBI's published exclusion list
- PhonePe HDFC Bank Ultimo — your income-tax challan earns nothing on this card — "government payments" · named in the Reward Points TnCs exclusion list
- RBL Insignia Preferred Banking World Card — your income-tax challan earns nothing on this card — Government/tax excluded · RBL standard, community, flag
- Shoppers Stop Black HDFC Bank — your income-tax challan earns nothing on this card — "No Reward Points accrual on spends made on Rental and Government category payments"
- Emirates Skywards ICICI Bank Sapphiro — your income-tax challan earns nothing on this card — Zero miles · ICICI utility/government bucket · community mapping, flag
- SBI Card ELITE — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024 · SBI's list for that date names "SBI Card ELITE"
- MakeMyTrip ICICI Bank — your income-tax challan earns nothing on this card — ICICI utility/government bucket → zero · community mapping, flag
- Axis Bank Privilege — your income-tax challan earns nothing on this card — Government MCCs are on the published no-earn list
- Kotak White Reserve — your income-tax challan earns nothing on this card — No per-swipe points · government/tax generally excluded from milestone spend (flag)
- RBL Bank Patanjali Swarn — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- TVS Credit RBL Bank — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- RBL Bank Blockbuster — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- RBL Platinum LifeEasy — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- AU Ananta — your income-tax challan earns nothing on this card — Zero RP since 1-Apr-2024 bank-wide revision
- IndusInd Legend — your income-tax challan earns nothing on this card — No RP (community/flag)
- PhonePe HDFC Bank Uno — your income-tax challan earns nothing on this card — "government payments" · named in the PhonePe programme's Reward Points exclusion list
- AU Zenith — your income-tax challan earns nothing on this card — Zero RP since 1-Apr-2024
- SBI Card PRIME — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024, with "SBI Card PRIME" on SBI's list for that date
- SpiceJet Axis Bank Voyage — your income-tax challan earns nothing on this card — Zero SC Points · government services named in the SpiceClub earn exclusion list
- IndianOil Axis Bank Premium — your income-tax challan earns nothing on this card — MCC 8220/9211/9222/9311/9399/9402/9405 earn nothing · not named on either waiver-exclusion list
- IndiGo Axis Bank Credit Card — your income-tax challan earns nothing on this card — "Government Services" in the card's published exclusion list
- HDFC PIXEL Go — your income-tax challan earns nothing on this card — Excluded by MCC (9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) in the product T&C
- SBI Card MILES — your income-tax challan earns nothing on this card — Via 'quasi-cash' 9222/9311/9402 AND 9399 (filed under utilities) · all govt/tax zero
- IRCTC SBI Platinum Card — your income-tax challan earns nothing on this card — Zero points · government accrual discontinued on this card w.e.f · 15 Jul 2024
- RBL Signature Banking — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- RBL Aspire Banking — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- ICICI Sapphiro — 0.25% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — ICICI publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against…
- RBL Apex — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- BOBCARD Premier — your income-tax challan earns nothing on this card — Zero points · Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405
- AU Vetta — your income-tax challan earns nothing on this card — Zero RP since 1-Apr-2024
- IRCTC HDFC Bank Credit Card — your income-tax challan earns nothing on this card — Named beside rent in the same exclusion bullet
- IRCTC RBL Bank Credit Card — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- IRCTC BOBCARD — your income-tax challan earns nothing on this card — Government payments excluded · BOBCARD standard, community, flag
- SBI Card PULSE — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024, with "SBI Card Pulse" on SBI's list for that date
- HPCL ENERGIE BOBCARD — your income-tax challan earns nothing on this card — Zero points · Annexure 1 covers 9211, 9222, 9311, 9399, 9402 and 9405
- BOBCARD Uni GoldX — your income-tax challan earns nothing on this card — Named verbatim · "Government services"
- YES Bank SELECT — your income-tax challan earns nothing on this card — Zero points across a 14-code list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
- YES Bank BYOC (Rewards) — your income-tax challan earns nothing on this card — Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
- YES Bank Zagg Credit Card — your income-tax challan earns nothing on this card — Zero coins on "Government Services – Not Elsewhere Classified", tax payments and fines
- ICICI Bank HPCL Super Saver — 5.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — but the whole bucket is capped at 400 RP a statement cycle SHARED with utilities, groceries, telecom and departmental stores, and…
- Kotak League Platinum — your income-tax challan earns nothing on this card — Zero points w.e.f · 1 Jun 2025 · MCC 9222, 9223, 9311, 9399, 9402 and 9405
- Federal Bank Celesta — your income-tax challan earns nothing on this card — Government excluded (Federal standard) · community, flag
- IndusInd Pioneer Heritage — your income-tax challan earns nothing on this card — Government/tax excluded (community, flag)
- Axis Bank My Zone — your income-tax challan earns nothing on this card — "Government Institutions" earn nothing and are excluded from the milestone count
- Fibe Axis Bank Credit Card — your income-tax challan earns nothing on this card — Government services earn nothing
- Axis Bank REWARDS — your income-tax challan earns nothing on this card — "Govt · Institutions" on the excluded-MCC table
- YES Bank Wellness Plus — your income-tax challan earns nothing on this card — Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
- Flipkart Axis Bank Credit Card — your income-tax challan earns nothing on this card — "Government Services" is an excluded MCC category
- Axis Bank NEO — your income-tax challan earns nothing on this card — Zero points
- SimplyCLICK SBI Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued on this card w.e.f · 1 Jun 2024
- AU Zenith+ — 0.25% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — AU publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it
- AU Bank NOMO Credit Card — your income-tax challan earns nothing on this card — Zero Reward Points · the same shelf-wide "Education & Govt" block
- RBL Lumière — your income-tax challan earns nothing on this card — Government/tax excluded · RBL standard, community, flag
- SBI AURUM — your income-tax challan earns nothing on this card — Government/tax spends excluded from rewards (SBI Card standard exclusion list, community, flag)
- HDFC Bank Millennia — your income-tax challan earns nothing on this card — Named beside rent in the same 1-Jan-2023 clause, and again in the CashBack table's "except Fuel, EMI, Wallet, Rent payments, Govt…
- HDFC Bank PIXEL Play — your income-tax challan earns nothing on this card — Excluded from all three buckets by MCC: 9211, 9222, 9223, 9311, 9399, 9402, 9405
- HDFC Bank Freedom — your income-tax challan earns nothing on this card — Named beside rent in the same 1-Jan-2023 clause and in the earn table's footnote
- LIC IDFC FIRST Select — 1.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — IDFC publishes no split of that ceiling, so none of it belongs to government alone and this desk prices no government ₹ against it
- Flipkart SBI Card — your income-tax challan earns nothing on this card — 0% cashback
- Reliance SBI Card PRIME — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 15 Jun 2024
- Apollo SBI Card SELECT — your income-tax challan earns nothing on this card — Zero Health Credits · §11.6(c), MCC 9399 and 9311
- CASHBACK SBI Card — your income-tax challan earns nothing on this card — Zero cashback on MCC 9222, 9311 and 9402
- Axis Bank Cashback — your income-tax challan earns nothing on this card — "Govt · Institutions" earn nothing, and transportation and tolls are excluded alongside them
- Axis Bank Freecharge Plus — your income-tax challan earns nothing on this card — Government services earn nothing
- Axis Bank SuperMoney RuPay — your income-tax challan earns nothing on this card — Government services earn nothing
- Paytm HDFC Bank Digital — your income-tax challan earns nothing on this card — Government spends earn nothing
- Paytm HDFC Bank Mobile — your income-tax challan earns nothing on this card — Government spends earn nothing
- Kotak Cashback+ — your income-tax challan earns nothing on this card — Government spends earn nothing
- Kotak Cashback+ Prime — your income-tax challan earns nothing on this card — Government spends earn nothing
- Paytm HDFC Bank — your income-tax challan earns nothing on this card — Government spends earn nothing
- Kotak UPI RuPay — your income-tax challan earns nothing on this card — Added to the exclusion list with effect from 1 June 2025
- Axis Bank Kwik — your income-tax challan earns nothing on this card — "Govt · services" earns no EDGE REWARD Points
- Axis Bank Pride Platinum — your income-tax challan earns nothing on this card — "Government Institutions" earns no EDGE REWARD Points
- Axis Bank Pride Signature — your income-tax challan earns nothing on this card — "Government Institutions" earns no EDGE REWARD Points
- HDFC Bank UPI RuPay — your income-tax challan earns nothing on this card — Zero CashPoints · the same "Education and Govt Related Transactions" line
- IndianOil HDFC Bank Credit Card — your income-tax challan earns nothing on this card — Zero Fuel Points · "Government related transactions" in §2.1, "Govt · spends" in Table 1.1, and TAX is listed separately in §2.1…
- IndianOil Axis Bank Credit Card — your income-tax challan earns nothing on this card — No EDGE REWARDS · "Government Institutions" is named on Axis's exclusion list for this card
- SimplySAVE SBI Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, under SBI's card-wide Shop-and-Smile exclusions
- HDFC Bank MoneyBack+ — your income-tax challan earns nothing on this card — Zero points since 1 Jan 2023
- Landmark Rewards SBI Card SELECT — your income-tax challan earns nothing on this card — Zero points · named outright in SBI's own earn line for this card
- Landmark Rewards SBI Card — your income-tax challan earns nothing on this card — Zero points · named outright in SBI's own earn line for this card
- Reliance SBI Card — your income-tax challan earns nothing on this card — Zero points from 15 Jun 2024 · MCC 9399 and 9311, named on this card by name
- Shoppers Stop HDFC Bank — your income-tax challan earns nothing on this card — Zero points · government transactions and tax payments are both named
- LIC Axis Bank Platinum — your income-tax challan earns nothing on this card — Zero points · government services are named in clause 12
- ICICI Bank NRI Coral — your income-tax challan earns nothing on this card — the rule zeroes the category · and it does not count: Struck out of the ₹1,50,000 annual-fee-reversal threshold by the MITC's "Spend Threshold…
- ICICI Bank NRI Sapphiro — your income-tax challan earns nothing on this card — the rule zeroes the category · and it does not count: Struck out of the ₹6,00,000 annual-fee-reversal threshold by the MITC's "Spend Threshold…
- Swiggy Ornge HDFC Bank Credit Card — your income-tax challan earns nothing on this card — Zero cashback (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950)
- Swiggy BLCK HDFC Bank Credit Card — your income-tax challan earns nothing on this card — Zero cashback (MCC 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950)
- Utkarsh Eternal Credit Card — your income-tax challan earns nothing on this card — Named on the ineligible list as 'Government services' · zero cashback
- Utkarsh Rhodium Credit Card — your income-tax challan earns nothing on this card — Named on the ineligible list as 'Government services' · zero cashback
- Utkarsh SmartGen Credit Card — your income-tax challan earns nothing on this card — Named on the ineligible list as 'Government services' · zero cashback
- Axis Bank Shoppers Stop Credit Card — your income-tax challan earns nothing on this card — "Govt · Institutions", restated in June 2025 as "Government services" · zero points, and still inside the waiver count
- RBL Platinum Delight — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum ShopGain — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum Max — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum Prime — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum Plus — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum Choice — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Platinum Advantage — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Binge — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL MyFirst — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL EasySaver — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Shoprite — your income-tax challan earns nothing on this card — Zero RP since 15-Oct-2024 · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 93…
- RBL Movies and More — your income-tax challan earns nothing on this card — Zero RP and no milestone credit · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 94…
- RBL Patanjali Vishisht — your income-tax challan earns nothing on this card — Zero RP and no milestone credit · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 94…
- RBL Bank SalarySe UP — your income-tax challan earns nothing on this card — Zero RP and no waiver credit · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401,…
- RBL Bank DMI Finance — your income-tax challan earns nothing on this card — Zero RP and no milestone credit · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 94…
- RBL Paisabazaar Duet — your income-tax challan earns nothing on this card — No cashback · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- RBL Paisabazaar Duet Plus — your income-tax challan earns nothing on this card — No cashback · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- RBL BankBazaar SaveMax — your income-tax challan earns nothing on this card — Zero RP · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the o…
- RBL Cookies — your income-tax challan earns nothing on this card — Zero benefit · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- Swiggy HDFC Bank Credit Card — your income-tax challan earns nothing on this card — Zero cashback · "Government related transactions" is on the exclusion list
- AU LIT Credit Card — your income-tax challan earns nothing on this card — Zero RP on base and on 5X/10X
- AU Altura Plus Credit Card — your income-tax challan earns nothing on this card — Zero Reward Points · the same "Education & Govt" block
- AU Altura Credit Card — your income-tax challan earns nothing on this card — Zero cashback since 1-Apr-2024 · the same "Education & Govt" block AU removed on that date
- LIC IDFC FIRST Classic — 0.60% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — IDFC publishes no split between the six, so not one rupee of that ceiling is claimed for government alone and this desk prices no…
- Suryoday SFB RuPay Platinum — your income-tax challan earns nothing on this card — MCCs 8111, 9211, 9222, 9223, 9311, 9313, 9314, 9321, 9399, 9402, 9405, 9411 and 8398 all earn nothing · 8398 is listed twice by S…
- Suryoday SFB RuPay Select — your income-tax challan earns nothing on this card — MCCs 8111, 9211, 9222, 9223, 9311, 9313, 9314, 9321, 9399, 9402, 9405, 9411 and 8398 earn nothing
- SBM MobiKwik First Credit Card — your income-tax challan earns nothing on this card — Government services (MCC 9399) and tax payments (MCC 9311) are both named on the exclusion table
- Paisabazaar Paisa Plus Credit Card — your income-tax challan earns nothing on this card — "Govt Spends, Gambling, Games, Lottery" are all named in the exclusion prose
- CUB CSK Master Platinum — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing, taxes included
- CUB SRH Master Platinum — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing
- CUB CSK RuPay Platinum — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing, taxes included, which matters more here than o…
- CUB SRH RuPay Platinum — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing, taxes included
- CUB CSK Master World — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing, taxes included
- CUB SRH Master World — your income-tax challan earns nothing on this card — "Government Payments | 9000–9999" · the entire government MCC space earns nothing
- IndianOil RBL Bank Credit Card — your income-tax challan earns nothing on this card — No Fuel Points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) o…
- IndianOil RBL Bank XTRA Credit Card — your income-tax challan earns nothing on this card — No Fuel Points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) o…
- RBL Bank Shoppers Stop Black — your income-tax challan earns nothing on this card — Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- RBL Bank Shoppers Stop Platinum — your income-tax challan earns nothing on this card — Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- RBL Bank Shoppers Stop Gold — your income-tax challan earns nothing on this card — Zero points and no milestone credit (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223)
- Scapia (BOBCARD) — your income-tax challan earns nothing on this card — Government services on the Scapia no-coins list
- RBL World Plus — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- RBL World Prime — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- RBL World Max — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- Paytm SBI Card SELECT — your income-tax challan earns nothing on this card — Zero points · MCC 9311 and 9399 · SBI's table mislabels this row "Gaming", but 9311 and 9399 are tax and government-services code…
- PhonePe SBI Card SELECT BLACK — your income-tax challan earns nothing on this card — Zero points · MCC 9311 and 9399
- Paytm SBI Card — your income-tax challan earns nothing on this card — Zero points · MCC 9311 and 9399, filed under a row SBI's own table mislabels "Gaming"
- KVB SBI Signature Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024, with "KVB SBI Signature Card" on SBI's list for that date
- KVB SBI Platinum Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024, with "KVB SBI Platinum Card" on SBI's list for that date
- South Indian Bank SBI Platinum Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 1 Jun 2024, with "SIB SBI Platinum Card" on SBI's list for that date
- Shaurya SBI Card — your income-tax challan earns nothing on this card — Accrual on government transactions (MCC 9399 and 9311) was discontinued with effect from 1 June 2024
- PhonePe SBI Card PURPLE — your income-tax challan earns nothing on this card — Zero points · MCC 9311 and 9399
- SBI Card Unnati — your income-tax challan earns nothing on this card — Zero points from 1 Jun 2024 · MCC 9399 and 9311, named on this card by name
- HDFC Bank Regalia First — 5.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — HDFC's product page states one cap for the whole leg ("₹500 max, first year only") and publishes no split of that ceiling, so non…
- Axis Atlas — your income-tax challan earns nothing on this card — MCCs 9222/9311/9399/9402 (pre-Jun-2025 list) · excluded from earn, tier and milestones since 20-Apr-2024
- Axis Bank Vistara Infinite Credit Card — your income-tax challan earns nothing on this card — "Government services" · named in the post-merger list
- YES First Preferred — your income-tax challan earns nothing on this card — Zero points across the 14-code government list: 9034, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9700, 9701, 9702, 9751, 9754, 9950
- RBL Bank Black — your income-tax challan earns nothing on this card — No points · "Government Services" (MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223) on the…
- Kotak Privy League Signature — your income-tax challan earns nothing on this card — Zero RP on government/tax (community, flag)
- Emirates Skywards ICICI Bank Rubyx — your income-tax challan earns nothing on this card — Zero Miles w.e.f · 15 Jan 2026 (and inside ICICI's utility bucket since 5 Feb 2024)
- Air India SBI Signature Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued w.e.f · 15 Jul 2024
- Club Vistara SBI Card PRIME — your income-tax challan earns nothing on this card — Zero CV Points · MCC 9399 and 9311, discontinued w.e.f · 15 Jul 2024
- Axis Bank Vistara Signature Credit Card — your income-tax challan earns nothing on this card — "Government services" · named in the post-merger list
- Club Vistara SBI Card — your income-tax challan earns nothing on this card — Zero CV Points · MCC 9399 and 9311, discontinued w.e.f · 15 Jul 2024
- Axis Bank Vistara Credit Card — your income-tax challan earns nothing on this card — "Government services" · named in the post-merger list
- Air India SBI Platinum Card — your income-tax challan earns nothing on this card — Zero points · MCC 9399 and 9311, discontinued for this card w.e.f · 15 Jul 2024
- HDFC Regalia — your income-tax challan earns nothing on this card — Zero RP · the exception list covers only business variants (Business Regalia, BizBlack et al), not the consumer Regalia (official…
- HDFC Regalia Activ — your income-tax challan earns nothing on this card — Named in the same 1-Jan-2023 clause as rent
- Pine Labs HDFC Bank — 5.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — HDFC's product page states one cap for the whole business-essentials leg ("₹250 monthly cap") and publishes no split of that ceil…
- Pine Labs HDFC Bank Pro — 5.00% on a government payment — but the ceiling on it is one bucket shared with other categories and the issuer publishes no split of it, so no rupee of it belongs to a tax payment alone and this card is named here at its rate rather than ranked on a ceiling it does not own — HDFC's product page states one cap for the whole business-essentials leg ("capped at ₹250 per month") and publishes no split of t…
- RBL Bank novio — your income-tax challan earns nothing on this card — No Reward Points · MCC 9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311 and 9223
5 more questions about this board — how the rate is worked out, and what else readers ask
How is this ranking computed?
THE COUNT FIRST, THEN THE RATE. A card whose published government 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 215 of the 296 whose government rule this desk holds sit there. Of the rest: (1) THE RATE is first-tier earn × the card's published government treatment × its currency's house ₹/point — the same expression /spends, /spends/government and /wallet crown on — raised only where the card's own earn table publishes a government rung AND the desk's `government` rule in data/mcc.yaml states the same number; 5 ranked cards carry such a rung, and 12 had one refused for a rung ceiling this desk cannot convert. (2) THE BUCKET is the ceiling that actually 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 ₹40,000 of government spend a statement cycle". 10 ranked cards have a bucket that bites at ₹1,00,000, and 2 more stop earning at a card-wide monthly ceiling the desk holds in rupees; every one of those rows prints its own ceiling. A bucket the note ASSERTS in units nothing here converts — or one ceiling shared with other categories and never split, which is nobody's to spend — is refused rather than priced as uncapped: 12 cards are named at their rate instead of ranked, HSBC Premier's ₹1L-a-month bucket among them, and that one is shared with utilities and insurance besides. (3) THE REFERENCE IS ONE PAYMENT, NOT A MONTH OF THEM. Tax is lumpy — four advance-tax instalments, one self-assessment, a GST lump on a due date — so the ₹ on every row is what ONE ₹1,00,000 payment pays back, once, never multiplied by twelve. Every government ceiling in this data is written per statement cycle, which is why one payment in one cycle is the honest unit, and ₹1,00,000 sits at or above almost every one of them so the caps decide the board instead of decorating it. WHAT IS NOT IN THE NUMBER: the convenience fee. Paying tax by card levies a real charge on most government rails, and this desk holds NOT ONE figure for it — every "fee" in all 311 government rules on the fine-print desk is a fee-WAIVER threshold, a different fact — so no row nets one and no row invents one. That waiver fact is on the rows that carry it: 2 ranked cards count your tax OUT of the spend that would have waived their annual fee. Nor is a dated bank offer added; /tracker/offers carries those with their end dates. 349 priced cards have no government rule here yet and appear on no part of this page.
How many cards are in this government & tax ranking?
67 of the 973 Indian personal cards on the desk are ranked here. 229 are listed unranked with the computed reason — earns nothing on a tax payment — or a bucket we will not price — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
How up to date is this list?
The records behind this board — the card records this ranks and the government rules on our fine-print desk — carry re-verification dates from 1 Jun 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
Which credit cards that earn on income-tax and government payments in India have no annual fee?
13 of the 67 ranked here are lifetime free. The best on ₹ back on one ₹1,00,000 tax payment is IndusInd Tiger at ₹800. This board's call, IDFC FIRST Mayura, costs ₹5,999/yr and reaches ₹1,001 — that gap is what the fee buys.
Is IDFC FIRST Mayura better than Standard Chartered Ultimate?
On what this board ranks — ₹ back on one ₹1,00,000 tax payment — yes: ₹1,001 against ₹2,000. That is the whole claim, and a narrow one. No card wins overall: 23 boards, 23 questions.
How government / tax got here
7 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
- ICICI caps transport rewards and excludes rent, tax, fuel spends ICICI Bank
- Government and ad spends stop earning on 13 YES cards YES Bank
- RBL strips points from education, government and wallet spends RBL Bank
- AU zeroes out rewards on fuel, rent, education and government AU Small Finance Bank
- Axis Vistara card cuts CV Points on govt and utility spends Axis Bank
- HDFC Infinia excludes rent and govt spends, caps redemptions HDFC Bank
- Citi India guts reward earning on utilities, insurance, and tax Citibank India
Not published
808 cards on the desk have no rule we could read for government / tax. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 808
DBS AltitudeDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardStandard Chartered Priority Visa InfiniteBandhan Bank Lumina Credit CardBandhan Bank Flare Credit CardBandhan Bank Ignite Credit CardBandhan Bank Sparks Credit CardYES PrivateYES Private PrimeHSBC PrivéHSBC TajScapia (Axis Bank)Edge CSB Bank RuPay Credit CardEdge+ CSB Bank RuPay Credit CardEquitas Selfe Credit CardNiyo Global SBM Credit CardEazyDiner IndusInd SignatureRBL World Safari LitePaytm HDFC Bank SelectMakeMyTrip ICICI Bank PlatinumKotak WhiteKotak NRI Royale SignatureUnion Bank UNICORNUnion Bank NEXTERIAFederal Bank ImperioUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetLIC Axis Bank SignatureAxis Bank ACESamsung Axis Bank SignatureAU Bank Traverse Credit Card (NRI)IDFC FIRST SWYPLandmark Rewards SBI Card PRIMECRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumPaytm HDFC Bank BusinessAxis Bank FreechargeAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Titanium Smart TravellerBPCL SBI CardGoogle Pay Flex Axis BankIndianOil Kotak Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardKotak811 Super Money CardICICI Bank ParakramICICI Bank Parakram SelectICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentKrishak Unnati SBI CardUtkarsh superCardRBL Platinum BonusRBL Platinum TravelEasyRBL Platinum ValuePlusRBL Platinum ShopSmartRBL Platinum ShopDailyRBL Bank PLAYRBL Bank QuickPayRBL BankBazaar SaveMax ProRBL World XclusiveRBL World SelectRBL Bank LazyPayRBL JalsaSBI Card PRIME NRI SecuredHDFC Bank UPI RuPay Mega SaverHDFC Bank Biz FirstHDFC Bank Micro Enterprise BusinessIndusInd Samman RuPayIndusInd Jio-bp Mobility+ICICI Diamant WorldICICI Emeralde PrivateYES PaisaSaveYES PaisaSave RuPayYES Bank ACEYES Bank WellnessYES Bank FinBoosterYES FinBooster RuPayYES Bank anQ PiYES Prosperity CashbackYES Prosperity Cashback+YES Bank UniYES Bank KlickYES Bank POP-CLUBYES Prosperity Edge (NRI)Kotak 811 Credit CardPVR INOX KotakKotak BizBOBCARD CashbackSnapdeal BOBCARDBOBCARD SelectBOBCARD EasyICAI Exclusive BOBCARDICSI Diamond BOBCARDCMA One BOBCARDVarunah Premium BOBCARDVarunah Plus BOBCARDVarunah BOBCARDIndian Army YODDHA BOBCARDAssam Rifles SENTINEL BOBCARDCoast Guard RAKSHAMAH BOBCARDBOBCARD VIKRAMPRAGATI BOBCARD (RRB)Nainital Bank RENAISSANCEPM SVANidhi BOBCARDAU Kosmo Credit CardAU Tejas Credit CardAU Laksya Credit CardAU SPONT Credit CardAU Prathama Credit CardAU InstaPay RuPay Credit CardAU Xcite Ultra Credit CardAU Xcite Ace Credit CardAU Xcite Credit CardPaytm AU Credit CardCheQ AU Credit CardAU Zaggle Credit CardDhi CUB Visa SignatureCUB Dhi FD-Backed / CampusCUB KavachUnion UNI-CARBONUnion Bank VISA SignatureUnion Bank VISA PlatinumUnion Bank VISA GoldUnion Bank PM SVANidhiIDFC FIRST EA₹NIDFC FIRST HPCL PowerIDFC FIRST Digital RuPayAirtel Axis Bank Credit CardAxis Bank Privilege EasyIndianOil Easy Axis BankJ&K Bank Eminent CardKVB Honour Credit CardFederal RuPay Wave Credit CardJ&K Bank Platinum CardKVB Platinum Credit CardBandhan Bank Flash Credit CardTMB Platinum Credit CardTMB Titanium Credit CardTMB Wings (RuPay) Credit CardTMB Phoenix (RuPay) Credit CardDhanlaxmi Bank Namaste Credit CardStandard Chartered SmartStandard Chartered Platinum RewardsStandard Chartered ManhattanStandard Chartered DigiSmartIDBI Bank Aspire PlatinumIDBI Bank Imperium PlatinumIDBI Bank LIC LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB PayLess Select Credit CardDCB novio Credit Card (RuPay Select)DCB PayLess Platinum Credit CardDCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)Paisabazaar Step-Up SBM Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProDhanlaxmi Bank RuPay Dhan SamriddhiDhanlaxmi Bank RuPay Dhan VriddhiIndian Bank PM SVANidhiUtkarsh Wish Credit CardHDFC Bank Corporate PlatinumHDFC Bank Corporate PremiumHDFC Bank Business Corporate RegaliaHDFC Bank Business Corporate MoneyBackHDFC Bank SAP Concur BlackHDFC Bank Purchase PremiumHDFC Bank Purchase MoneyBackHDFC Bank Purchase RewardHDFC Bank Purchase CardSBI Card Vyapaar UnnatiSimplySAVE Merchant SBI CardAxis Bank Business Supreme VisaAxis Bank Business Supreme MastercardAxis Bank Corporate Credit CardAxis Bank Executive CorporateICICI Bank Business Advantage BlackICICI Bank Business Advantage BlueICICI Bank Platinum Business CardICICI Bank Corporate PlatinumICICI Bank Business Ascent AmexICICI Bank Business Essential AmexSBI Signature Corporate CardSBI Platinum Corporate CardICICI Bank Gold Business CardICICI Bank Corporate GoldICICI Bank Business Micro Credit CardKotak Corporate PlatinumKotak Corporate Wealth SignatureIndusInd eSvarna CorporateIndusInd Contactless CorporateIndusInd Fortuna PrimaIndusInd Fortuna AdvantEdgeIndusInd ODCC Linked Credit CardIDFC FIRST CorporateIDFC FIRST Business MultiplierNainital Bank RENAISSANCE BOBCARDBOBCARD SwavlambanUJJIVAN SFB Platinum BOBCARDUJJIVAN SFB Elite BOBCARDBOBCARD EMPOWERYES Bank BYOC (Cashback)YES First BusinessYES Prosperity BusinessYES Bank AI InsideSaraswat RuPay PlatinumSaraswat Secured RuPay PlatinumYES AI Inside RuPay VirtualRBL Corporate T&E PlatinumRBL Corporate T&E GoldRBL RazorpayX Corporate T&ERBL Corporate Purchase Procure+RBL RazorpayX Corporate PurchaseRBL Corporate Purchase Tax+Kotak Travel AgentKotak Privy League Platinum CorporateKotak Corporate GoldKotak Corporate ClassicKotak Corporate BasicFed StarBiz Credit CardAmex Green Corporate CardAmex Gold Corporate CardAmex Platinum Corporate CardIndusInd Saarthi BusinessIndusInd Vrddhi BusinessICICI Bank AlumniIDFC FIRST PurchaseIDFC FIRST Business MaxIDFC FIRST Micro EnterpriseIDFC FIRST BusinessAU Corporate Credit CardAU Purchase Credit CardAU Business Cashback Credit CardPNB KiwiSBM ZET Credit CardUnity Bank RoarbankEquitas Selfe SecuredEquitas PowerMiles SecuredTMB Vertex Credit CardTMB VIBE360 Credit CardKVB Eternis Credit CardKVB Altura Credit CardKVB Samara Credit CardKVB Aura Credit CardJ&K Bank Gold CardJ&K Bank Corporate CardKVB Corporate Credit CardJ&K Bank Platinum PrivilegeCanara Bank VISA CorporatePNB VISA ClassicPNB VISA GoldPNB VISA PlatinumPNB Corporate VISAPNB RRB Co-branded RuPay SelectPNB Braille RuPay SelectPNB General Credit Card RuPay PlatinumPNB Merchant Credit Card RuPay PlatinumUnion Bank VISA Business Platinum CorporateUnion MSMEEquitas TigaYES BANK RuPay VirtualYES BANK EMIYES BANK novioYES BANK novio RuPay VirtualYES Bank Uni RuPay VirtualHSBC Corporate Travel and EntertainmentAditya Birla Capital AU FlexAditya Birla Capital AU NxtHSBC Corporate Purchasing CardAxis Bank Purchase CardAxis Bank Purchase Reward CardHDFC Bank Central Travel Account CardHDFC Bank TMC Credit CardHDFC Bank Dealer Credit CardHDFC Bank Fleet Credit CardAxis Bank Purchase Control Virtual CardAxis Bank Central Travel Account CardICICI Bank Purchase CardICICI Bank Dual Billing Purchase CardICICI Bank Utility Purchase CardICICI Bank CTA CardSBI Central Travel Account CardSBI Corporate Virtual CardSBI Corporate Purchase CardSBI Corporate Utility CardKotak Purchase Credit CardKotak Virtual Purchase Credit CardKotak Central Travel Account Credit CardKotak Shorter Billing Cycle Credit CardAmerican Express Business Travel AccountAmerican Express Corporate Purchasing CardHSBC Central Travel CardHSBC Virtual Card for BusinessBOBCARD Easy (FD Backed)BOBCARD Select (FD Backed)BOBCARD Premier (FD Backed)YES First CorporateYES Bank Zaggle CorporateYES Prosperity Purchase Credit CardYES BANK RazorpayX Purchase Credit CardAmex SmartEarnPNB LUXURA Metal (RuPay)PNB LUXURA Metal (Visa Infinite)PNB Zaggle TwinCanara Bank Select / World / SignatureCanara Bank PlatinumPNB SALARY RuPay SelectPNB BLISSPNB SALARY RuPay PlatinumPNB EMT RuPay PlatinumPNB RuPay PlatinumPNB Patanjali RuPay SelectPNB RuPay MillennialPNB Visa SignaturePNB RuPay SelectApollo SBI CardDoctor's SBI CardShaurya Select SBI CardDelhi Metro SBI CardCentral SBI Select CardIndian Overseas Bank RuPay SelectIndian Overseas Bank RuPay PlatinumIndian Overseas Bank RuPay ClassicRBL Platinum ClassicRBL PopcornHDFC Bank Business Regalia FirstEquitas Elegance HDFC BankEquitas Excite HDFC BankPharmEasy HDFC BankSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-RuPay-ClassicRupeek Indian Bank Gold BackedAxis Bank Easy GoldAxis Bank My ChoiceAxis Bank BuzzAxis Bank InfiniteIKEA Family Axis BankIOB SalarySe Rise UPIOB ZET CardPNB Patanjali RuPay PlatinumMine Credit Card by ICICI BankBOBCARD ConQRBOBCARD Micro EnterpriseBOBCARD CORPORATEYES Bank NIYOAxis Bank My Zone InstantAxis Bank Secured SilverBOI RuPay Select Credit CardBOI RuPay Bharat Platinum Credit CardBOI Visa Platinum International Credit CardBOI Master Platinum International Credit CardBOI RuPay Platinum International Credit CardBOI SwaDhan RuPay Platinum Credit CardBOI Visa Gold International Credit CardGoogle Pay Flex SBI CardPNB Rakshak RuPay PlatinumPNB Rakshak RuPay SelectPNB ParakramPNB Premium Metal LUXURAEquitas Tiga SecuredHDFC Bank Business ProgramKotak InfiniteHDFC Harley-Davidson Diners ClubMakeMyTrip ICICI Bank SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumIndusInd Signature VisaIndusInd Platinum AuraEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAAxis Bank SignatureManchester United ICICI SignatureManchester United ICICI PlatinumYatra SBI CardFabindia SBI CardAditya Birla SBI CardIOB Gold Credit CardIOB Classic Credit CardRBL Titanium DelightRBL Bank Fun+RBL Bank MoCashRBL Bank MoneyTapRBL Monthly TreatsRBL Cookies (pre-2021)Central SBI Select+ CardNature's Basket SBI CardNature's Basket SBI Card ELITETATA CardTATA Card SELECTTATA Croma CardTATA Croma Card SELECTTATA Star CardTATA Star Card SELECTIRCTC SBI CardAditya Birla SBI Card SELECTFabindia SBI Card SELECTFBB SBI StyleUp Card6E Rewards IndiGo HDFC Bank6E Rewards XL IndiGo HDFC BankHDFC Bank All MilesBest Price Save Max HDFC BankBest Price Save Smart HDFC BankHDFC Bank BharatHDFC Bank Business GoldHDFC Bank Business PlatinumHDFC Bank Business RegaliaHDFC Bank Diners Club Black (non-metal)HDFC Bank Diners Club MilesHDFC Bank Diners Club PremiumHDFC Bank Diners Club RewardzHDFC Bank Doctor's RegaliaHDFC Bank Doctor's SuperiaHDFC Bank Easy EMIHDFC Bank H.O.G Diners ClubInterMiles HDFC Bank Diners ClubInterMiles HDFC Bank PlatinumInterMiles HDFC Bank SignatureJetPrivilege HDFC Bank TitaniumHDFC Bank MoneyBack (original)Maruti Suzuki NEXA AllMiles HDFC BankHDFC Bank Platinum EdgeHDFC Bank Platinum PlusHDFC Bank SolitaireHDFC Bank SuperiaHDFC Bank Teachers PlatinumHDFC Bank Times PlatinumHDFC Bank Titanium EdgeHDFC Bank Titanium TimesHDFC Bank Visa SignatureHDFC Bank World MasterCardICICI SignatureICICI Ascent AmexICICI Platinum IdentityICICI UnifareAccelero ICICIICICI HPCL PlatinumIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumEdge Federal Bank Visa Credit CardBoM Credit CardBank of Maharashtra SecuredInterMiles IndusInd Bank Odyssey Credit CardInterMiles IndusInd Bank Voyage Credit CardInterMiles ICICI Bank Coral Credit CardInterMiles ICICI Bank Sapphiro Credit CardInterMiles ICICI Bank Rubyx Credit CardHDFC Bank Business MoneyBackHDFC Bank Business Bharat CashBackHDFC Bank Business FreedomHDFC Bank Corporate Signature / WorldAxis Bank AdvantageAxis Bank Insta EasyOLA Money SBI CardCiti PremierMiles CardCiti Prestige Credit CardCiti Rewards Credit CardIndianOil Citi Credit CardCiti Cash Back Credit CardFirst Citizen Citi Credit CardIKEA Family Credit Card by CitiCitiBusiness Credit CardIndianOil CitiBusiness Credit CardKotak IndiGo 6E RewardsKotak IndiGo 6E Rewards XLRBL Bank YOUniqueKotak Essentia PlatinumKotak Feast GoldKotak Fortune GoldStandard Chartered Emirates WorldStandard Chartered Landmark Rewards PlatinumStandard Chartered Yatra PlatinumStandard Chartered Bandhan OneStandard Chartered Bandhan PlusStandard Chartered Bandhan XclusiveStandard Chartered Platinum EliteStandard Chartered Bajaj Finserv PlatinumStandard Chartered Bajaj Finserv WorldStandard Chartered Gold RewardsAmpliFi (Federal Bank)SimpliFi (Federal Bank)MagniFi (Federal Bank)Jet Airways Amex PlatinumAmex PAYBACK Credit CardAxis Bank Secured GoldAxis Bank Platinum SecuredAxis Bank Flipkart SecuredAxis Bank VISA GoldAxis Bank VISA SilverICICI Bank Ferrari PlatinumICICI Bank Ferrari SignatureHSBC Smart ValueBajaj Finserv DBS 5X SuperCardBajaj Finserv DBS 5X Plus SuperCardBajaj Finserv DBS 7X SuperCardBajaj Finserv DBS 7X Plus SuperCardBajaj Finserv DBS 10X Signature SuperCardBajaj Finserv DBS 10X Plus SuperCardBOI India CardHDFC Bank GoldHDFC Bank Woman's GoldHDFC Bank TitaniumHDFC Bank Solitaire PremiumHDFC Bank SilverHDFC Bank Value PlusICICI Bank CarbonAxis Bank MY BusinessKingfisher Airlines ICICI Bank WorldKingfisher Airlines ICICI Bank PlatinumKingfisher Airlines ICICI Bank TitaniumBritish Airways ICICI Bank PremiumBritish Airways ICICI Bank ClassicMyntra KotakKotak Best Price BusinessHDFC Bank Doctor's PlatinumICICI Bank Jet Airways Business AdvantageICICI Bank Air Deccan GoldJet Airways Citibank TitaniumJet Airways Citibank SilverJet Airways Citibank PlatinumJet Airways CitiBusinessDiners Club International British AirwaysTaj Epicure Diners ClubDelhi Metro CitibankKotak Solaris PlatinumKotak Aqua GoldKotak Silk Inspire PlatinumMETRO KotakRBL vCardIndusInd PAYBACK Credit CardPMC Bank RuPay PlatinumPMC Bank RuPay SelectPMC Bank RuPay Platinum SecuredPMC Bank RuPay Select SecuredCitibank Platinum Credit CardCitibank Gold Credit CardCitibank Silver Credit CardCitibank Choice Credit CardCitibank Woman's Credit CardCitibank Woman's Visa Mini CardCRY Citibank Credit CardWWF Citibank Credit CardMTV Citibank Credit CardHutch Citibank Credit CardReliance Gold Credit CardReliance Silver Credit CardMaruti Suzuki AutoCardRoyal Sundaram Citibank Gold Credit CardIndianOil Citibank Credit CardDiners Club International Citibank Credit CardCiti Titanium Cash Rewards Credit CardFirst Citizen Citibank Platinum Credit CardInternational Times Citibank CardCitibank Ultima Credit CardCiti Corporate Credit CardCitibank Rewards Domestic Credit CardPaytm Credit Card by CitiABN AMRO FreedomABN AMRO Smart GoldABN AMRO OneABN AMRO MakeMyTrip GOABN AMRO Titanium OneABN AMRO Smart Miles TitaniumABN AMRO PlatinumABN AMRO New GoldABN AMRO BaristaABN AMRO AdlabsABN AMRO Max Healthcare WellnessYatra Barclaycard PlatinumBarclaycard GoldBarclaycard Smart BudgetBarclaycard PlatinumBarclays Premier League BarclaycardTimes Card from Barclaycard and TimesofMoneyDeutsche Bank Miles & More SignatureDeutsche Bank Miles & More PlatinumDeutsche Bank WorldMiles SignatureDeutsche Bank WorldMiles PlatinumHSBC Advance PlatinumFederal Bank SBI Platinum CardHDFC Bank SAP Concur PrimeHDFC Bank Health Plus InternationalHDFC Bank eSeva International SilverHDFC Bank Idea International SilverHDFC Bank Idea International GoldICICI Bank Singapore Airlines Visa PlatinumAxis Bank Titanium Smart TravelerAxis Bank Trust ChemistsAxis Bank ShriramICICI Bank Classic Business CardSBI Card ELITE BusinessSBI Card PRIME BusinessDeutsche Bank SignatureDeutsche Bank PlatinumDeutsche Bank Platinum SelectDeutsche Bank Matrix PlatinumDeutsche Bank Landmark PlatinumDeutsche Bank SmartGoldDeutsche Bank Landmark GoldDeutsche Bank ClassicDeutsche Bank db businessHSBC MakeMyTrip SignatureHSBC MakeMyTrip PlatinumHSBC WestsideHSBC Spencer's Retail ClassicAir India American Express GoldAir India American Express Credit CardAir India American Express GreenAmex Kingfisher FirstChennai Metro SBI CardMumbai Metro SBI CardSBI Platinum CardSBI Signature CardSpiceJet SBI CardSBI Railway CardSBI Gold & More CardSBI Silver & More CardSBI Maruti CardSBI Vishal Mega Mart CardSBI Advantage Plus CardFederal Bank SBI Gold 'N MoreStandard Chartered Preferred World MastercardSBI Card ELITE AdvantageSBI Card PRIME AdvantageSimplyCLICK Advantage SBI CardSimplySAVE Advantage SBI CardHSBC GoldHSBC ClassicCenturion Bank of Punjab Miracle CardBank of Rajasthan Gold Credit CardBank of Rajasthan Silver Credit CardBank of Rajasthan Individual-Liability Corporate CardBank of Rajasthan Corporate-Liability Corporate CardHDFC Bank Distributor CardAmex MakeMyTrip Credit CardAmex Gold Credit CardAmex HPCL RPM Credit CardStandard Chartered Simply CashING Vysya Bank Galaxia Credit CardING Vysya Bank Solaris Credit CardUnited Western Bank IndiaCardAndhra Bank Signature Credit CardAndhra Bank VISA Platinum Credit CardAndhra Bank VISA Gold Credit CardAndhra Bank VISA Classic Credit CardAndhra Bank MasterCard Credit CardAndhra Bank MasterCard Electronic Credit CardAndhra Bank VISA Corporate Credit CardVijaya Bank RuPay Credit CardVijaya Bank VISA Global Chip CardVijaya Bank VISA Classic Chip CardVijaya Bank VISA Nurses CardVijaya Bank VISA Doctors CardVijaya Bank Platinum Jubilee Credit CardCorporation Bank Visa Signature Credit CardCorporation Bank Visa Platinum Credit CardICICI Bank HPCL GoldICICI Bank HPCL SilverICICI Bank Big Bazaar GoldICICI Bank Big Bazaar SilverICICI Bank Big Bazaar ShaktiICICI Bank Central GoldICICI Bank Future GoldICICI Bank Future SilverICICI Bank Airtel GoldICICI Bank Airtel SilverICICI Bank IndiatimesToyota ICICI Bank Co-BrandedICICI Bank Gitanjali JewelleryICICI Bank MegamartICICI Bank Sarovar HotelsICICI Bank Orchid on EcotelICICI Bank AmwayICICI Bank XBOX360ICICI Bank CESC Co-BrandedICICI Bank HelpAge India AffinityICICI Bank PRU LifeICICI Bank Federal Bank GoldICICI Bank Federal Bank SilverICICI Bank Punjab & Sind GoldICICI Bank Punjab & Sind SilverICICI Bank Punjab & Sind BlueSyndicateBank Global Credit Card ClassicSyndicateBank Global Credit Card GoldDena Bank DENACARD VisaCorporation Bank Visa Gold Credit CardVijaya Bank Classic Credit CardVijaya Bank VISA Gold Credit CardVijaya Bank MasterCard Global Credit CardAllahabad Bank India CardSBI Gold CardSBI Dena Bank Secured CardIndusInd Bank Chelsea FC Credit CardIndusInd Bank Gold Credit CardRBL Bank Cricket Credit CardBOBCARD Bombay BullionRBL IGU NHS Golf World CardRBL India Startup Club WorldRBL India Startup Club PlatinumRBL CrownitRBL HyperCITY Reward PlusRBL HyperCITY RewardRBL Classic RewardRBL Classic ShopperRBL Platinum CricketRBL Edition BlackRBL Freedom SuperCardRBL Edition ClassicSBI Advantage Gold CardSBI Student Plus Advantage CardSBI Mumbai CardSBI Apna Bazaar CardLG SBI CardSBI Social CardSBI Lifestyle Credit CardSBI UBI Gold CardSBI UBI CardSBI Advantage Platinum CardSBI Advantage Signature CardBajaj Finserv RBL Bank CA SuperCardBajaj Finserv RBL Bank Doctor's SuperCardETMONEY RBL Bank LoanPass Credit CardRBL Bank Crossword Black Credit CardRBL Bank Crossword Rewards Credit CardRBL Club ConciergeSBI Gold Card (pre-2009)SBI Advantage Card (pre-2009)SBI Employee CardHero Honda SBI CardGoAir SBI CardRBL Bank Practo Plus Credit CardEasyday Kotak Titanium CardEasyday Kotak Silver CardLIC Axis Bank TitaniumLIC Axis Bank GoldICICI Unifare Bangalore MetroICICI Unifare Mumbai MetroIndusInd Bank Classic Credit CardIndusInd Bank Business Gold Credit CardIndusInd Bank WorldMiles Signature Credit CardIndusInd Bank WorldMiles Platinum Credit CardSBI Platinum Card (2007)SBI Gold Master CardSBI Advantage CardSBI Card for DoctorsSBI Doctors CardICICI Bank Preferred GoldICICI Bank Preferred SilverICICI Bank TitaniumICICI Bank American Express GreenCentral Bank of India MasterCard WorldCentral Bank of India RuPay SelectCentral Bank of India MasterCard TitaniumCentral Bank of India RuPay PlatinumCentral Bank of India Visa PlatinumCentral Bank of India Visa GoldCentral Bank of India Visa AspireIndusInd Bank Miles & More SignatureIndusInd Bank Miles & More PlatinumIndusInd Bank Matrix PlatinumIndusInd Bank Landmark PlatinumIndusInd Bank Landmark GoldSBI Platinum Card (2010)BOBCARD TitaniumBOBCARD Elite PlatinumBOBCARD Select PlatinumBOBCARD SignatureBOBCARD AssureBOB Financial Paytm Credit CardBOBCARD Corporate PremiumTMB India CardUnion Bank USecureBettr SBM Card
Where this comes from
Treatments are read from issuer T&C, reward annexures and FAQs (HSBC and SBI publish full MCC tables; HDFC and Amex publish only category names), corroborated by community reporting where the banks stay vague — those rows say so. Where sources conflict we keep the conservative treatment. "Rate here" is the card's first-tier earn × this category's treatment × our house ₹/point from the valuation index — the same number the wallet winner puts on a swipe. A capped card shows its rate before the cap bites; the rule text names the cap. Issuers churn these rules quarterly — a note's date is the rule's date, not ours.