Which credit cards still earn on Rent & property management — September 2026

How is this ranking computed?

THE COUNT FIRST, THEN THE RATE, THEN THE BILL. A card whose published rent 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 248 of the 298 we could price sit there; 151 of them carry a handling fee as well, quoted beside the zero. 1 more publishes a rent rule that states no earn at all, which is an ABSENCE and not a zero: it is named separately and counted in neither. Of the rest: (1) THE RATE is first-tier earn × the card's published rent treatment × its currency's house ₹/point — the same expression /spends, /spends/rent and /wallet crown on — raised only where the card's own earn table publishes a rent rung ABOVE it AND the desk's `rent` rule in data/mcc.yaml states the same number. A RENT RUNG IN INDIA IS A DEMOTION WEARING AN ACCELERATOR'S CLOTHES, and the arithmetic says so: 4 of the 50 ranked rungs clear that bar at all, and the most any of them is worth over the card's own category rate is ₹7 a year. Nothing on this board is carried by an accelerator. (2) THE CEILING is converted to ₹ of rent a month and applied; a rung that SAYS it is capped in units nothing here converts is refused rather than priced as uncapped, and 0 cards are ranked at the category rate for that reason. 2 more cards rank at the category rate for a different reason: the desk's own rule puts their ceiling in ONE bucket shared across categories with no published split, so no ceiling is applied to a rent payment — each row says so. Separately, 4 ranked cards have a cap on the rent CATEGORY itself — Axis stops paying at ₹50,000 of rent a month and pays zero beyond it — and ₹30,000 a month was chosen to sit under every one of them, so no row here is quietly priced past a cap. Audit §123 fails the build if a rule ever lands below the reference. (3) THE FEE IS PRINTED AND NOT NETTED. 20 ranked rules carry one and every row that does quotes it verbatim, but across the desk the issuers write it against different denominators — per transaction at IndusInd and Standard Chartered, from the SECOND transaction of a calendar month at HDFC, per cycle elsewhere — and several state a rupee FLOOR (₹99 at AU, ₹199 at SBI and YES, ₹249 at IDFC) or a CAP (₹3,000 at Federal) rather than a plain percentage. Netting a charge whose shape we have not modelled would be inventing a number; the comparison in the answer is made in the open instead. A clause is only quoted where it states an amount the ISSUER charges: a rule that exempts the card, prints the fee as Nil, or names a third-party PLATFORM's cut is not a charge and is not printed as one. ₹30,000 a month is a metro two-bedroom, and it is stated because it decides which ceilings bind and whether a fee floor is the real charge. Rent paid through CRED, NoBroker or RedGirraffe carries that platform's OWN convenience fee — commonly 1–3% — on top of everything here, and this board prices neither it nor the promotional cashback such apps run; /tracker/offers carries those with their end dates. 300 priced cards carry a rent rule on the fine-print desk; 345 priced cards have no rent rule here yet and appear on no part of this page.