Spends · category 12 of 15
Which credit cards still earn on Jewellery / gold — September 2026
Of the 1119 cards on the desk, 177 publish a rule for jewellery / gold — and 112 of those still earn full rewards. The rest: 4 capped, 3 at a reduced rate, 58 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 jewellery / gold spends in India?
Axis Bank PRIMUS (Axis Bank) pays 5.00% on jewellery / gold — the best rate of any card with a published rule here. 177 cards publish one, 58 of which earn nothing at all.
Open to everyone: HDFC Diners Club Black Metal (HDFC Bank) pays 3.33% on jewellery / gold for ₹10,000/yr — the best rate of any card you can actually apply for, whatever the fee.
On a budget: Standard Chartered Ultimate (Standard Chartered) pays 3.33% on jewellery / gold for ₹5,000/yr or less, and it's open to apply.
Lifetime-free: Kotak Solitaire (Kotak Mahindra Bank) pays 3.00% on jewellery / gold for ₹0, open to apply.
MCC 5944, 5094 · 177 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of jewellery / gold 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
No gold/jewellery carve-out in the T&C
5.00% full earn - 02 Axis Olympus
Base 1 EDGE Mile/₹100 — not on the official closed exclusion list, unlike Atlas (T&C §4)
4.00% full earn - 03 IDFC FIRST Gaj
No published restriction — flag (issuer silent)
3.33% full earn
Every card with a published rule
177 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 |
|---|---|---|---|
| Axis Bank PRIMUS Axis Bank | full earn | 5.00% | No gold/jewellery carve-out in the T&C |
| Axis Olympus Axis Bank | full earn | 4.00% | Base 1 EDGE Mile/₹100 — not on the official closed exclusion list, unlike Atlas (T&C §4) |
| IDFC FIRST Gaj IDFC FIRST Bank | full earn | 3.33% | No published restriction — flag (issuer silent) |
| HDFC Infinia Metal HDFC Bank | full earn | 3.33% | No published earn restriction (Tanishq voucher REDEMPTION capped 50k RP/quarter is a burn-side cap); community confirms earn OK |
| HDFC Diners Club Black Metal HDFC Bank | full earn | 3.33% | No published earn restriction |
| Standard Chartered Ultimate Standard Chartered | full earn | 3.33% | Not in reduced/excluded lists → full 5/₹150 — flag (inferred) |
| ICICI Emeralde Private Metal ICICI Bank | full earn | 3.00% | No official ICICI exclusion found; community reports MCC 5094 sometimes zeroed — unverified, flag |
| Kotak Solitaire Kotak Mahindra Bank | full earn | 3.00% | Base 3 Air Miles/₹100 — not in the official exclusion MCC table (community, flag) |
| YES Bank Marquee YES Bank | full earn | 2.25% | No published exclusion — earns the online/offline rate; inferred from absence, flag |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | full earn | 2.00% | Not in the official exclusion table — inferred from absence, flag |
| RBL Nova RBL Bank | full earn | 2.00% | Not on the official exclusion list — earns base 4 RP/₹200 (inferred from absence, flag) |
| Kotak Air+ Kotak Mahindra Bank | full earn | 2.00% | Not on the published closed no-earn list — earns base 2 Air Miles/₹100 (inferred from absence, flag) |
| ICICI Times Black ICICI Bank | full earn | 2.00% | No published exclusion — inferred from absence, flag |
| Axis Horizon Axis Bank | full earn | 2.00% | NOTABLE: 5944/5094 absent from Horizon's official table (unlike Atlas/Magnus/Reserve, which zeroed gold/jewellery); 20-Jun-2025 revision confirms list unchanged — jewellery earns |
| Scapia (Federal Bank) Federal Bank | full earn | 2.00% | Not on the exclusion list — inferred from absence, flag |
| DBS Vantage DBS Bank India | full earn | 2.00% | Base 2 VP/₹100 — not on the published closed list (flag) |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%. Jewellery and gold are excluded or capped on most Indian cards and are not mentioned in any Unity document |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | full earn | 2.00% | Not on the exclusion list — inferred from absence, flag |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | full earn | 1.80% | No published exclusion — inferred from absence, flag |
| IDFC FIRST Mayura IDFC FIRST Bank | full earn | 1.67% | No published restriction — flag (community silent) |
| HDFC Regalia Gold HDFC Bank | full earn | 1.63% | No published earn restriction |
| IndusInd Avios Visa Infinite IndusInd Bank | full earn | 1.50% | No published earn restriction (flag) |
| Tata Neu Infinity HDFC Bank HDFC Bank | full earn | 1.50% | Tanishq (a Tata brand) earns 5% via Tata Neu; other jewellers base 1.5% (community, flag) |
| Tata Neu Infinity SBI Card SBI Card | full earn | 1.50% | 5% back as NeuCoins at Titan and Tanishq as partner Tata brands (T&C §11.3d) — but redeemable at Titan/Tanishq only through the Tata Neu app, not in store |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | full earn | 1.50% | Base 3 BluChips/₹100 (community, flag) |
| Equitas PowerMiles Equitas Small Finance Bank | full earn | 1.50% | Base 3 RP/₹100 (community, flag) |
| Adani One ICICI Bank Signature ICICI Bank | full earn | 1.50% | No published exclusion — inferred from absence, flag |
| YES Bank RESERV YES Bank | full earn | 1.50% | No published exclusion — earns online/offline rate, flag |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | full earn | 1.35% | No published exclusion — inferred from absence, flag |
| IDFC FIRST Ashva IDFC FIRST Bank | full earn | 1.33% | No published restriction — flag (community silent) |
| Amex Platinum Charge American Express | full earn | 1.25% | 1 MR/₹40 — no exclusion |
| KrisFlyer SBI Card SBI Card | full earn | 1.10% | Base 1 mile/₹100 (community, flag) |
| HDFC Diners Club Privilege HDFC Bank | full earn | 1.00% | No published earn restriction |
| SBI Card MILES PRIME SBI Card | full earn | 1.00% | 5944/5094 absent from SBI's exclusion table — jewellery earns (rare) |
| IDBI Bank LIC Eclat Select IDBI Bank | full earn | 1.00% | 4 Delight Points per ₹100 (1.0%), the best base rate IDBI pays — 5944 and 5094 appear nowhere on the MITC's exclusion annexure |
| IndiGo SBI Card ELITE SBI Card | full earn | 1.00% | Base 2 BluChips/₹100 (community, flag) |
| SBI Card MILES ELITE SBI Card | full earn | 1.00% | NOTABLE: 5944/5094 absent from SBI's exclusion table — jewellery earns (rare) |
| Tata Neu Plus SBI Card SBI Card | full earn | 1.00% | 2% back as NeuCoins at Titan and Tanishq as partner Tata brands — but redeemable at Titan/Tanishq only through the Tata Neu app, not in store |
| MakeMyTrip ICICI Bank ICICI Bank | full earn | 1.00% | No published exclusion — inferred from absence, flag |
| RBL Signature Banking RBL Bank | full earn | 1.00% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| RBL Aspire Banking RBL Bank | full earn | 1.00% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| RBL Apex RBL Bank | full earn | 1.00% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | full earn | 1.00% | 1 Uni Coin per ₹1 (1%) — jewellery appears nowhere in the MITC's closed exclusion list |
| SBI AURUM SBI Card | full earn | 1.00% | Base 4 RP/₹100 (community, flag) |
| RBL Paisabazaar Duet RBL Bank | full earn | 1.00% | Jewellery (MCC 5944, 5094) is absent from the ineligible-MCC table — the full 1% (inferred from absence, flag) |
| RBL Paisabazaar Duet Plus RBL Bank | full earn | 1.00% | Jewellery (MCC 5944, 5094) is absent from the ineligible-MCC table — 1% inside the ₹300 ceiling (inferred from absence, flag) |
| AU Altura Credit Card AU Small Finance Bank | full earn | 1.00% | Not named in AU's exclusion note — the 1% ordinary-retail tier (inferred from absence, flag) |
| Amex Platinum Travel American Express | full earn | 1.00% | 1 MR/₹50 |
| Amex Membership Rewards Card American Express | full earn | 1.00% | 1 MR/₹50 |
| Amex Platinum Reserve American Express | full earn | 1.00% | 1 MR/₹50 — no exclusion |
| Amex Gold Charge American Express | full earn | 1.00% | 1 MR/₹50 |
| Marriott Bonvoy HDFC Bank HDFC Bank | full earn | 0.86% | Base 2 pts/₹150 — no published restriction |
| IndusInd Tiger IndusInd Bank | full earn | 0.80% | No published restriction — inferred from absence, flag |
| IndusInd Legend IndusInd Bank | full earn | 0.80% | No published earn restriction (flag) |
| IndusInd Pinnacle World IndusInd Bank | full earn | 0.80% | No published earn restriction (flag) |
| IndusInd Pioneer Heritage IndusInd Bank | full earn | 0.80% | Base 1 RP/₹100 (community, flag) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | full earn | 0.75% | Core 3 RP/₹100 — 5944 and 5094 are in neither Annexure 1 nor the accelerated table |
| IDBI Bank Euphoria World IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — 5944 and 5094 appear nowhere on the MITC's exclusion annexure |
| IDBI Bank Royale Signature IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — 5944 and 5094 appear nowhere on the MITC's exclusion annexure |
| AU Zenith AU Small Finance Bank | full earn | 0.75% | No published restriction — inferred from absence, flag |
| RBL Platinum Maxima RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 (0.5%) — 5944 and 5094 appear nowhere on the MITC's exclusion annexure |
| RBL Platinum Maxima Plus RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| IndiGo SBI Card SBI Card | full earn | 0.50% | Base 1 BluChip/₹100 (community, flag) |
| RBL Icon RBL Bank | full earn | 0.50% | 2 RP/₹100 base — inferred from absence, flag |
| RBL World Safari RBL Bank | full earn | 0.50% | 5944/5094 absent from the table — earns the token ~0.5% |
| RBL Platinum Edge RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the product page's own dated exclusion footnote — earns the base rate (inferred from absence, flag) |
| AU Ananta AU Small Finance Bank | full earn | 0.50% | No published restriction — inferred from absence, flag |
| SBI Card MILES SBI Card | full earn | 0.50% | 5944/5094 absent from SBI's exclusion table — jewellery earns (rare) |
| ICICI Sapphiro ICICI Bank | full earn | 0.50% | No official exclusion found — flag |
| ICICI Bank Rubyx ICICI Bank | full earn | 0.50% | No published exclusion — inferred from absence, flag |
| BOBCARD Premier BOBCARD (Bank of Baroda) | full earn | 0.50% | Core 2 RP/₹100 — 5944 and 5094 are in neither Annexure 1 nor the accelerated table |
| AU Vetta AU Small Finance Bank | full earn | 0.50% | No published restriction — inferred from absence, flag |
| IRCTC RBL Bank Credit Card RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the T&Cs own exclusion list — earns the base rate (inferred from absence, flag) |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.50% | Earns base 2 RP/₹100 — inferred, flag |
| Standard Chartered EaseMyTrip Standard Chartered | full earn | 0.50% | Base 2 RP/₹100 — inferred, flag |
| AU Bank NOMO Credit Card AU Small Finance Bank | full earn | 0.50% | Not excluded anywhere AU publishes — 2 RP/₹100 (inferred from absence, flag) |
| RBL Platinum Delight RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is on neither exclusion list — earns and counts toward the waiver (inferred from absence, flag) |
| RBL Platinum Max RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the product page's exclusion table — earns the base 2 RP/₹100 (inferred from absence, flag) |
| RBL Platinum Prime RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — base 2 RP/₹100 (inferred from absence, flag) |
| RBL World Plus RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the product page's two stacked exclusion footnotes — earns the base rate (inferred from absence, flag) |
| RBL World Prime RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the product page's two stacked exclusion footnotes — earns the base rate (inferred from absence, flag) |
| RBL World Max RBL Bank | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the product page's two stacked exclusion footnotes — earns the base rate (inferred from absence, flag) |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | full earn | 0.50% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| Kotak Privy League Signature Kotak Mahindra Bank | full earn | 0.50% | Base 2 RP/₹100; jewellery is an accelerated category on some plans (community, flag) |
| IDFC FIRST Wealth IDFC FIRST Bank | full earn | 0.38% | No published restriction — flag |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | full earn | 0.33% | Core 2 RP/₹150 — 5944 and 5094 are in neither Annexure 1 nor this card's accelerated table |
| RBL World Safari Plus RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the T&C's own §3.4(c) exclusion sentence — earns the base rate (inferred from absence, flag) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| TVS Credit RBL Bank RBL Bank / TVS Credit | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| RBL Bank Blockbuster RBL Bank / BookMyShow | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the T&C's own category/MCC exclusion table — earns the base rate (inferred from absence, flag) |
| Federal Bank Celesta Federal Bank | full earn | 0.25% | Base 1 RP/₹100 — inferred, flag |
| AU Zenith+ AU Small Finance Bank | full earn | 0.25% | No published restriction — inferred from absence, flag |
| RBL Platinum ShopGain RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — the ordinary rate (inferred from absence, flag) |
| RBL Platinum Plus RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — 1 RP/₹100 (inferred from absence, flag) |
| RBL Platinum Choice RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — 1 RP/₹100 (inferred from absence, flag) |
| RBL Platinum Advantage RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — 1 RP/₹100 (inferred from absence, flag) |
| RBL Binge RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — 1 RP/₹100 (inferred from absence, flag) |
| RBL Shoprite RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is on neither exclusion list — base rate, counts toward the waiver (inferred from absence, flag) |
| RBL Movies and More RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is on neither list — 1 RP/₹100 and full milestone credit (inferred from absence, flag) |
| RBL Patanjali Vishisht RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is on neither list — base rate, full milestone credit (inferred from absence, flag) |
| RBL Bank DMI Finance RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is absent from the list — earns and counts toward the milestone (inferred from absence, flag) |
| RBL BankBazaar SaveMax RBL Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) is on neither list — the base 1 RP/₹100 (inferred from absence, flag) |
| AU LIT Credit Card AU Small Finance Bank | full earn | 0.25% | Jewellery (MCC 5944, 5094) appears in none of AU's exclusion or reduced-rate rows — 1 RP/₹100, or the 5X/10X rung if the channel feature is bought (inferred from absence, flag) |
| AU Altura Plus Credit Card AU Small Finance Bank | full earn | 0.25% | Not named in AU's exclusion note — the ordinary offline or online rate (inferred from absence, flag) |
| RBL Bank SalarySe UP RBL Bank | full earn | 0.20% | Jewellery (MCC 5944, 5094) is absent from the card's MCC exclusion table — 1 RP/₹100 and full waiver credit (inferred from absence, flag) |
| RBL Cookies RBL Bank | full earn | 0.20% | Jewellery (MCC 5944, 5094) is absent from the exclusion table — the ordinary rate (inferred from absence, flag) |
| OneCard Metal OneCard (issued via partner banks) | full earn | 0.20% | No published restriction — inferred, flag |
| RBL MyFirst RBL Bank | full earn | 0.06% | Jewellery (MCC 5944, 5094) is absent from both footnotes — the base rate (inferred from absence, flag) |
| RBL EasySaver RBL Bank | full earn | 0.06% | Jewellery (MCC 5944, 5094) is absent from both footnotes — the base 1 RP per ₹400 (inferred from absence, flag) |
| RBL Platinum LifeEasy RBL Bank | full earn | — | Jewellery (MCC 5944, 5094) is absent from the product page's own dated exclusion footnote — earns the base rate (inferred from absence, flag) |
| HSBC Premier (Metal) HSBC | capped | 3.00% | MCC 5944/5094 earns inside the ₹1L/month bucket shared with rent, utilities, insurance, education, government and e-wallets (TravelOne zeroes them); HSBC publishes no split of that ceiling, so none of it belongs to jewellery alone |
| Titan SBI Card SBI Card | capped | 1.50% | The one category this card accelerates. 3% value back at Tanishq, 5% at Mia, CaratLane and Zoya, 7.5% at the watch and eyewear brands — but each bucket has its own quarterly ceiling (₹25,000, ₹10,000 and ₹10,000 respectively, ₹45,000 in total), and the Tanishq Golden Harvest scheme is expressly cut back to base points |
| Kotak Zen Signature Kotak Mahindra Bank | capped | 0.83% | Jewellery is INSIDE this card's 10-points-per-₹150 shopping accelerator, not excluded from it — an unusual place to find it. The 6,500-point billing-cycle ceiling is what stops it |
| HDFC Bank UPI RuPay HDFC Bank | capped | 0.25% | Not on this card's exclusion list — unlike the Swiggy HDFC card, which does exclude jewellery — so it earns 1 CashPoint per ₹100 inside the 500-point "other spends" ceiling |
| IRCTC SBI Card Premier SBI Card | reduced | 0.80% | Base 1 RP/₹125 — no published restriction; inferred, flag |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | reduced | 0.75% | General 3 RP/₹100 unless online — inferred, flag |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the flat 10 RP/₹150 domestic base (~0.67%) — "Jewellery (Gold and watches included)" is named on the consolidated T&C's 1X list; it was unrestricted before 17 Jul 2026 |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| Axis Burgundy Private Axis Bank | earns nothing | — | No EDGE RP on gold/jewellery (CardInsider) |
| Axis Magnus Axis Bank | earns nothing | — | Gold & jewellery zero since 20-Dec-2024 (Axis-wide notice) |
| HSBC TravelOne HSBC | earns nothing | — | MCC 5944, 5094 |
| Axis Bank Reserve Axis Bank | earns nothing | — | Gold & jewellery zero |
| Axis Miles & More World Select Axis Bank | earns nothing | — | Gold/jewellery excluded on Axis cards since 20-Dec-2024 — community/flag |
| ixigo AU AU Small Finance Bank | earns nothing | — | Jewellery on the official no-RP exclusion list |
| HSBC Live+ HSBC | earns nothing | — | MCC 5932 Jewelery & Antique Items — 0% cashback |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback — "Jewelry & Antique items (MCC 5944, 5094, 5932, 5937)" |
| Axis Miles & More World Axis Bank | earns nothing | — | Gold/jewellery excluded on Axis cards since 20-Dec-2024 — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | 'Gold & Jewellery' named in the 20-Jun-2025 T&C exclusion list (corrected 25-Jul-2026 — we previously inferred it earned) |
| Amazon Pay ICICI Bank ICICI Bank | earns nothing | — | Zero on "gold, silver, any precious metal" — one of the few ICICI cards to name precious metals in its own T&C |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — "Jewelry 5944, 5094", which is every code in this category |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — "Jewelry 5944, 5094", which is every code in this category |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Jewelry" in the card's published exclusion list; corrected from full, 2026-07-22 |
| YES Bank ELITE+ YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 5094, 5944) |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | Zero SC Points — gold items and all jewellery transactions excluded |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points (flag) |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | Zero SC Points — gold items and all jewellery transactions excluded |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Jewelry" in the card's published exclusion list; corrected from full, 2026-07-22 |
| Union Bank UNICORN Union Bank of India | earns nothing | — | Zero reward points — jewellery heads the MITC's exclusion line for this card. Union Bank also bars jewellery purchases from its EMI facility |
| Union Bank NEXTERIA Union Bank of India | earns nothing | — | Zero reward points — jewellery heads the MITC's exclusion line for this card, and is barred from the EMI facility as well |
| YES Bank SELECT YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 5094, 5944) |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 5094, 5944) |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins — jewellery is named outright in the exclusion list |
| Axis Bank My Zone Axis Bank | earns nothing | — | "Gold & Jewellery" earns nothing and is excluded from the milestone count |
| Fibe Axis Bank Credit Card Axis Bank | earns nothing | — | Gold and all types of jewellery transactions earn nothing, as do gift-card purchases |
| Axis Bank ACE Axis Bank | earns nothing | — | Purchase of gold and jewellery items earns nothing |
| YES Bank Wellness Plus YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 5094, 5944) |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | "Clock, Jewelry, Watch and Silverware Stores" is an excluded MCC category, and gold in any form — bar, coin, jewellery, artifact — is excluded separately |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — MCC 5051, 5094, 5944 and 7631 |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 5051, 5094, 7631 and 5944 |
| Axis Bank Cashback Axis Bank | earns nothing | — | "Jewellery, Precious Metals and Watches" earn nothing |
| Axis Bank Freecharge Plus Axis Bank | earns nothing | — | Purchase of gold items and all types of jewellery transactions earn nothing |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | "Clock, Jewelry, Watch and Silverware Stores" earn nothing |
| Axis Bank Freecharge Axis Bank | earns nothing | — | "Gold & Jewellery" is named in the 20 Jun 2025 earn-exclusion list |
| Axis Bank Kwik Axis Bank | earns nothing | — | Jewellery is named outright in the exclusion list |
| IndianOil HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero Fuel Points — jewellery is named in Table 1.1's exclusion column |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | No EDGE REWARDS — "Gold/Jewellery" is named on the exclusion list |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Named in the exclusion for the 1% non-Shoppers-Stop category alongside fuel, rent, government transactions, EMI and wallet |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 5094, 5944) |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 5094, 5944) |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — jewellery is named on HDFC's exclusion list for this card, which is worth flagging because most Indian cards leave jewellery MCCs (5944, 5094) unmentioned and paying |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | "Jewellery" is named in the exclusion prose |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | MCCs 5094 and 5944 — gold and jewellery earn no Reward Points |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | MCCs 5094 and 5944 earn no Reward Points |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | MCCs 5094 and 5944 earn no Reward Points |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | MCCs 5094 and 5944 earn no Reward Points |
| CUB CSK Master World City Union Bank | earns nothing | — | MCCs 5094 and 5944 — gold and jewellery earn no Reward Points |
| CUB SRH Master World City Union Bank | earns nothing | — | MCCs 5094 and 5944 earn no Reward Points |
| Flipkart Axis Bank Super Elite Axis Bank | earns nothing | — | Zero SuperCoins on jewellery purchases |
| PhonePe SBI Card SELECT BLACK SBI Card | earns nothing | — | Zero points — MCC 5094 and 5944, with gifts and souvenirs (5947) excluded alongside them |
| PhonePe SBI Card PURPLE SBI Card | earns nothing | — | Zero points — MCC 5094 and 5944, alongside gifts and souvenirs (5947), tolls and bridges (4784) and digital gaming (5816, 7993, 7994) |
| Axis Atlas Axis Bank | earns nothing | — | Gold/jewellery (5094/5944) zero since 20-Apr-2024 |
| Axis Bank Vistara Infinite Credit Card Axis Bank | earns nothing | — | "Jewellery, Gold, Silver, Precious stones & metals, Watches"; MCCs 5094 and 5944, since 20 Apr 2024 |
| YES First Preferred YES Bank | earns nothing | — | Zero points w.e.f. 15-Jun-2026 (MCCs 5094, 5944) |
| Axis Bank Vistara Signature Credit Card Axis Bank | earns nothing | — | "Jewellery, Gold, Silver, Precious stones & metals, Watches"; MCCs 5094 and 5944, excluded since 20 Apr 2024 |
| Axis Bank Vistara Credit Card Axis Bank | earns nothing | — | "Jewellery, Gold, Silver, Precious stones & metals, Watches" — the widest precious-metals exclusion any Indian co-brand publishes. MCCs 5094 and 5944, excluded since 20 Apr 2024. |
Not published
941 cards on the desk have no rule we could read for jewellery / gold. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 941
HDFC Biz Black MetalHDFC BizPowerKotak Air+ PrimeStandard Chartered BeyondIndusInd PIONEER PrivateDBS AltitudeDBS Spark 5 Credit CardDBS Spark 10 Credit CardDBS Spark 20 Credit CardIDFC FIRST Diamond ReserveKrisFlyer SBI Card APEXStandard 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 CardBOBCARD Etihad GuestAU CA MetalAU CSEquitas Selfe Credit CardKotak AirIndus SolitaireAdani One ICICI Bank PlatinumIndiGo Kotak Premium Credit CardIDFC FIRST WOW! BlackIDFC FIRST WOW!Niyo Global SBM Credit CardRBL iGlobeIndiGo Kotak Credit CardYES EssenceEazyDiner IndusInd SignatureTata Neu Plus HDFC BankRBL World Safari LitePhonePe HDFC Bank UltimoRBL Insignia Preferred Banking World CardShoppers Stop Black HDFC BankSBI Card ELITEPaytm HDFC Bank SelectMakeMyTrip ICICI Bank PlatinumAxis Bank PrivilegeKotak WhitePhonePe HDFC Bank UnoKotak NRI Royale SignatureSBI Card PRIMEStandard Chartered RewardsIndianOil Axis Bank PremiumHDFC PIXEL GoIDFC FIRST SelectIRCTC SBI Platinum CardIndusInd CelestaICICI Bank EmeraldeFederal Bank ImperioIRCTC HDFC Bank Credit CardBPCL SBI Card OCTANESBI Card PULSEUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardICICI Bank CoralICICI Bank ExpressionsICICI Bank HPCL Super SaverUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumKotak League PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyLIC Axis Bank SignatureAxis Bank REWARDSSamsung Axis Bank SignatureAxis Bank NEOSimplyCLICK SBI CardAU Bank Traverse Credit Card (NRI)RBL LumièreHDFC Bank MillenniaHDFC Bank PIXEL PlayHDFC Bank FreedomIDFC FIRST MillenniaIDFC FIRST ClassicLIC IDFC FIRST SelectIDFC FIRST HPCL Power+IDFC FIRST SWYPReliance SBI Card PRIMELandmark Rewards SBI Card PRIMEApollo SBI Card SELECTCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumPaytm HDFC Bank DigitalPaytm HDFC Bank MobilePaytm HDFC Bank BusinessPaytm HDFC Bank Select BusinessFlipkart Wholesale HDFC BankKotak Cashback+Kotak Cashback+ PrimePaytm HDFC BankKotak UPI RuPayAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Pride PlatinumAxis Bank Pride SignatureAxis Bank Titanium Smart TravellerBPCL SBI CardHDFC Bank BizGrowICICI Bank HPCL Coral Credit CardICICI Bank Platinum Chip Credit CardGoogle Pay Flex Axis BankHDFC Bank UPI RuPay BizIndianOil Kotak Credit CardIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak BizEdge Credit CardKotak811 Super Money CardSimplySAVE SBI CardHDFC Bank MoneyBack+Landmark Rewards SBI Card SELECTLandmark Rewards SBI CardReliance SBI CardLIC Axis Bank PlatinumICICI Bank ParakramICICI Bank Parakram SelectICICI Bank Coral against FDICICI Bank Rubyx against FDICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoIndusInd PlatinumIndusInd Platinum RuPayKotak811 Dream DifferentICICI Bank NRI CoralICICI Bank NRI SapphiroKrishak Unnati SBI CardUtkarsh Eternal Credit CardUtkarsh Rhodium Credit CardUtkarsh SmartGen Credit CardUtkarsh superCardAxis Bank Shoppers Stop Credit CardRBL 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 GIGA BusinessHDFC 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 SVANidhiIndiGo IDFC FIRST SecuredIDFC FIRST Hello CashbackLIC IDFC FIRST ClassicIDFC FIRST Quantum+IDFC 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 LumineSuryoday SFB RuPay PlatinumSuryoday SFB RuPay SelectESAF 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)SBM MobiKwik First Credit CardPaisabazaar Step-Up SBM Credit CardSBM novio Credit CardSBM Magnet Credit CardSBM Kredit.Pe Credit CardAditya Birla Capital AU ProIndianOil RBL Bank Credit CardIndianOil RBL Bank XTRA Credit CardDhanlaxmi 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 Solitaire BusinessKotak 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 Bank Shoppers Stop BlackRBL Bank Shoppers Stop PlatinumRBL Bank Shoppers Stop GoldRBL 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 CardCUB SalarySe Level UPCUB SalarySe Level UP VirtualUnity 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 BizAditya 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)IB-VISA-BusinessYES 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 SelectPaytm SBI Card SELECTPaytm SBI CardKVB SBI Signature CardKVB SBI Platinum CardSouth Indian Bank SBI Platinum CardApollo SBI CardShaurya SBI CardDoctor's SBI CardShaurya Select SBI CardSBI Card UnnatiDelhi 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 BankHDFC Bank Regalia FirstSnapdeal HDFC BankAmazon Pay Kotak Business Credit CardKotak Delight PlatinumBOBCARD PrimeCanara Bank Classic / StandardCanara Bank GoldIB-VISA-BharatIB-VISA-GoldIB-VISA-PlatinumIB-RuPay-ClassicIB-RuPay-PlatinumIB-RuPay-SelectIndian Bank Secured (VISA / RuPay)Rupeek 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 SignatureKotak Royale SignatureSamsung Axis Bank InfiniteKotak Mojo PlatinumEmirates Skywards ICICI Bank RubyxChennai Super Kings ICICI BankAir India SBI Signature CardClub Vistara SBI Card PRIMEClub Vistara SBI CardAir India SBI Platinum CardHDFC RegaliaHDFC Regalia ActivIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad 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 RegaliaCSC Small Business MoneyBack HDFC BankHDFC 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 BankPine Labs HDFC BankPine Labs HDFC Bank ProHDFC Bank Platinum EdgeHDFC Bank Platinum PlusRetailio HDFC Bank BusinessHDFC 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 Iconia VisaIndusInd Platinum SelectIndusInd Aura Edge GovernmentClub Vistara IndusInd ExplorerYES Bank anQ PhiYES Prosperity RewardsYES Bank FREOKotak Veer SelectKotak Veer PlatinumKotak Urbane GoldPVR Kotak GoldPVR Kotak PlatinumClub Vistara IDFC FIRSTEdge 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 BusinessRBL Bank novioHDFC 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.