Spends · category 07 of 15
Which credit cards still earn on Wallet loads — September 2026
Of the 1119 cards on the desk, 289 publish a rule for wallet loads — and 21 of those still earn full rewards. The rest: 1 capped, 6 at a reduced rate, 260 earn nothing, 1 can't do it at all. 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 wallet loads spends in India?
Axis Bank PRIMUS (Axis Bank) pays 5.00% on wallet loads — the best rate of any card with a published rule here. 289 cards publish one, 260 of which earn nothing at all.
On a budget: Standard Chartered Ultimate (Standard Chartered) pays 3.33% on wallet loads 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 wallet loads for ₹0, open to apply.
MCC 6540, 6541, 6539 · 289 cards read line by line · rates at our house ₹/point
The three that actually pay
Ranked by what ₹100 of wallet loads 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 wallet-load carve-out in the T&C
5.00% full earn - 02 Standard Chartered Ultimate
Community (TechnoFino): wallet loads (6540) earn full 5 RP/₹150 ≈3.3% — the wallet-load king; NOT in any official exclusion list, but issuer could reclassify — flag
3.33% full earn - 03 HSBC Premier (Metal)
E-wallets 6540 + money transfer 4829 + financial institutions 6010/6011/6012/6051 — all earn inside the ₹1L bucket shared with rent, utilities, insurance, education, government and jewellery; rare wallet-load earn, though HSBC publishes no split of that ceiling, so none of it belongs to wallet loads alone
3.00% capped up to a monthly cap — see the rule
Every card with a published rule
289 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 wallet-load carve-out in the T&C |
| Standard Chartered Ultimate Standard Chartered | full earn | 3.33% | Community (TechnoFino): wallet loads (6540) earn full 5 RP/₹150 ≈3.3% — the wallet-load king; NOT in any official exclusion list, but issuer could reclassify — flag |
| Unity Bank BharatPe Credit Card Unity Small Finance Bank | full earn | 2.00% | Earns the full 2%. Wallet loading (MCC 6540) is the first row of most issuers' exclusion tables and is absent from Unity's documents entirely; there is also no wallet-load processing fee in the KFS |
| IDBI Bank LIC Eclat Select IDBI Bank | full earn | 1.00% | 4 Delight Points per ₹100 (1.0%), the best base rate IDBI pays — wallet loads (6539–6541) appear nowhere on the MITC's exclusion annexure. The annexure does exclude 6010 and 6011, which are manual and automated cash disbursement, not wallet top-ups |
| Amazon Pay ICICI Bank ICICI Bank | full earn | 1.00% | The one ICICI card where wallet loads still earn: the MITC's E-Wallet Reload exclusion says in as many words "(This will not apply for Amazon Pay ICICI Bank Credit Card)". A 1% fee on loads of ₹5,000 or more still applies w.e.f. 15 Jan 2026. |
| LIC IDFC FIRST Select IDFC FIRST Bank | full earn | 1.00% | 5 RP/₹125 at base — MCC 6540 appears on neither the exclusion list nor the essentials MCC list, so wallet loads are the one everyday category here with no ceiling |
| IDBI Bank Euphoria World IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — wallet loads (6539–6541) appear nowhere on the MITC's exclusion annexure. The annexure does exclude 6010 and 6011, which are manual and automated cash disbursement, not wallet top-ups |
| IDBI Bank Royale Signature IDBI Bank | full earn | 0.75% | 3 Delight Points per ₹100 (0.75%) — wallet loads (6539–6541) appear nowhere on the MITC's exclusion annexure. The annexure does exclude 6010 and 6011, which are manual and automated cash disbursement, not wallet top-ups |
| IDFC FIRST WOW! Black IDFC FIRST Bank | full earn | 0.67% | No published carve-out — 4 RP/₹150 |
| IndusInd Platinum IndusInd Bank | full earn | 0.60% | Earns the normal rate, with a 1% fee plus GST on cumulative wallet-loading spends above ₹20,000 in a statement cycle |
| 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 |
| IDBI Bank Winnings IDBI Bank | full earn | 0.50% | 2 Delight Points per ₹100 (0.5%) — wallet loads (6539–6541) appear nowhere on the MITC's exclusion annexure. The annexure does exclude 6010 and 6011, which are manual and automated cash disbursement, not wallet top-ups |
| IDFC FIRST WOW! IDFC FIRST Bank | full earn | 0.50% | No published carve-out — 4 RP/₹200 |
| IDFC FIRST HPCL Power+ IDFC FIRST Bank | full earn | 0.50% | 3 RP/₹150 at base — no carve-out published |
| IndianOil Kotak Credit Card Kotak Mahindra Bank | full earn | 0.50% | Base 3 Reward Points per ₹150; the KFS charges 1% once cumulative wallet loading passes ₹10,000 in a statement cycle |
| IDFC FIRST Select IDFC FIRST Bank | full earn | 0.38% | 3 RP/₹200 at base |
| 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 — never excluded from earn, only from the old 10X count |
| IndusInd Celesta IndusInd Bank | full earn | 0.27% | No published earn restriction on wallet loads, but a 1% fee applies to cumulative wallet loading above ₹20,000 a statement cycle |
| Kotak811 Dream Different Kotak Mahindra Bank | full earn | 0.25% | 1% fee on cumulative wallet-loading spends above ₹10,000 a statement cycle |
| Axis Bank Signature Axis Bank | full earn | 0.20% | No published reward exclusion, so wallet loads earn the base rate — with a 1% fee on cumulative wallet loads of ₹10,000 or more a statement cycle (w.e.f. 20 Dec 2024) |
| HSBC Premier (Metal) HSBC | capped | 3.00% | E-wallets 6540 + money transfer 4829 + financial institutions 6010/6011/6012/6051 — all earn inside the ₹1L bucket shared with rent, utilities, insurance, education, government and jewellery; rare wallet-load earn, though HSBC publishes no split of that ceiling, so none of it belongs to wallet loads alone |
| IDFC FIRST Mayura IDFC FIRST Bank | reduced | 1.00% | 3 RP/₹150 vs the 5 RP/₹150 base — one of only four cards of the 24 earning on wallet loads (with Ashva, StanC Ultimate and HSBC Premier) |
| IDFC FIRST Ashva IDFC FIRST Bank | reduced | 0.80% | 3 RP/₹150 vs the 5 RP/₹150 base — one of only four cards of the 24 earning on wallet loads |
| IDFC FIRST Private IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the flat 10 RP/₹150 domestic base (~0.67%) — "Wallet Loads" is named on the consolidated T&C's 1X list; still one of the few cards earning anything on wallet loads |
| IDFC FIRST Gaj IDFC FIRST Bank | reduced | 0.67% | 1 RP/₹150 vs the 5 RP/₹150 base (MCC 6540) — earns where most premium cards zero out, but at a fifth of base |
| IDFC FIRST Wealth IDFC FIRST Bank | reduced | 0.38% | 3 RP/₹200 vs the 3 RP/₹200 base — one of the few cards earning on wallet loads — official rewards T&C |
| IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank | reduced | 0.25% | 0.5 BluChips/₹100 (published reduced band) |
| HDFC Infinia Metal HDFC Bank | earns nothing | — | e-wallet loading earns zero RP |
| Axis Magnus for Burgundy Axis Bank | earns nothing | — | Same as Magnus |
| ICICI Emeralde Private Metal ICICI Bank | earns nothing | — | Zero since 5-Feb-2024 (third-party wallet loads); folded into the wider 1-Feb-2026 exclusion bucket alongside rent/fuel/govt/tax |
| HDFC Diners Club Black Metal HDFC Bank | earns nothing | — | Zero RP on wallet loads |
| Axis Olympus Axis Bank | earns nothing | — | "Wallet" in the official Excluded Merchant Categories list (Olympus T&C §4) |
| Marriott Bonvoy HDFC Bank HDFC Bank | earns nothing | — | Wallet loads / gift & prepaid card loads / voucher purchases earn zero |
| Axis Magnus Axis Bank | earns nothing | — | Zero |
| BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) | earns nothing | — | Zero miles + 1% processing fee on MCCs 6539–6543 (official MITC) |
| HDFC Regalia Gold HDFC Bank | earns nothing | — | Zero RP on wallet loads |
| IndusInd Tiger IndusInd Bank | earns nothing | — | Not addressed in any Tiger doc; IndusInd standard practice zeroes wallet loads — community mapping, flag |
| RBL Nova RBL Bank | earns nothing | — | "Wallet/Service Providers" in the official rbl.bank.in exclusion list |
| HSBC TravelOne HSBC | earns nothing | — | MCC 6540; money transfer 4829 and financial institutions 6010/6011/6012/6051 also zero |
| Kotak Air+ Prime Kotak Mahindra Bank | earns nothing | — | MCC 6540 earns nothing and is excluded from the waiver count; 1% fee above ₹10,000 of wallet loading a statement cycle |
| Kotak Air+ Kotak Mahindra Bank | earns nothing | — | Wallet Loading in the published no-earn list |
| DBS Altitude DBS Bank India | earns nothing | — | MCC 6540 on the published no-points table |
| KrisFlyer SBI Card APEX SBI Card | earns nothing | — | Zero miles — MCC 6540, 6541 (e-wallet loading) in the T&C's exclusion table |
| Axis Bank Reserve Axis Bank | earns nothing | — | Zero |
| ICICI Times Black ICICI Bank | earns nothing | — | ICICI-wide e-wallet-load exclusion (5-Feb-2024) + 1% fee on loads ≥₹5k (15-Jan-2026); Times Black docs don't restate it — community mapping, flag |
| Axis Horizon Axis Bank | earns nothing | — | MCC 6540 zero |
| YES Bank Marquee YES Bank | earns nothing | — | Zero RP; 1% fee on wallet loads above ₹2,000 (official MITC) |
| HDFC Diners Club Privilege HDFC Bank | earns nothing | — | Zero RP on wallet / gift-card loads |
| Axis Miles & More World Select Axis Bank | earns nothing | — | Wallet loads excluded — community/flag |
| Scapia (Federal Bank) Federal Bank | earns nothing | — | Zero coins + 1% + GST fee per wallet-load txn (official KFS) |
| ixigo AU AU Small Finance Bank | earns nothing | — | Wallet loads on the official no-RP exclusion list |
| IndusInd Avios Visa Infinite IndusInd Bank | earns nothing | — | Wallet loads earn nothing (flag); 1% fee on wallet loads >₹20k/cycle (MITC) |
| BOBCARD Etihad Guest BOBCARD (Bank of Baroda) | earns nothing | — | MCC 6539/6541/6542/6543 — no base miles, plus a 1% processing fee per transaction |
| Tata Neu Infinity HDFC Bank HDFC Bank | earns nothing | — | Wallet / gift-card loads earn zero NeuCoins (community) |
| Tata Neu Infinity SBI Card SBI Card | earns nothing | — | Zero NeuCoins — e-wallet, gift-card and prepaid loads under MCC 6540 and 6541 |
| SBI Card MILES PRIME SBI Card | earns nothing | — | MCC 6540, 6541 |
| HSBC Live+ HSBC | earns nothing | — | MCC 6540 E-Wallets — 0% cashback; financial institutions (6010/6011/6012) and money order/wire transfer (4829) are also zero |
| HSBC RuPay Cashback HSBC | earns nothing | — | Zero cashback on e-wallets. HSBC names only 6540, not 6539 or 6541, so the exclusion as written is narrower than the category |
| Equitas PowerMiles Equitas Small Finance Bank | earns nothing | — | "Wallet Load" in the official MITC exclusion list |
| BOBCARD Eterna BOBCARD (Bank of Baroda) | earns nothing | — | Zero earn (Annexure 1, MCCs 6539–6543) + 1% processing fee on wallet loads (official) |
| BOBCARD Tiara BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 6539 to 6543, and wallet loads carry a 1% processing fee |
| Axis Miles & More World Axis Bank | earns nothing | — | Wallet loads excluded — community/flag |
| Axis Bank SELECT Axis Bank | earns nothing | — | Wallet loads named in the 20-Jun-2025 T&C exclusion list; 1% wallet fee above ₹10,000/cycle |
| Kotak Air Kotak Mahindra Bank | earns nothing | — | Wallet Loading in the published no-earn list |
| HSBC Platinum HSBC | earns nothing | — | Zero reward points — HSBC names only 6540, so 6539 and 6541 sit outside the exclusion as written |
| HSBC RuPay Platinum HSBC | earns nothing | — | Zero reward points — HSBC names only 6540, so 6539 and 6541 sit outside the exclusion as written |
| RBL Platinum Maxima RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| RBL Platinum Maxima Plus RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank Gold RBL Bank / TVS Credit | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| Adani One ICICI Bank Signature ICICI Bank | earns nothing | — | Zero points; ICICI-wide wallet-load exclusion (5-Feb-2024) |
| Adani One ICICI Bank Platinum ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540), which exempts only Amazon Pay ICICI; a 1% fee applies to loads of ₹5,000 or more w.e.f. 15 Jan 2026 |
| IndiGo SBI Card ELITE SBI Card | earns nothing | — | Zero BluChips — e-wallet uploads in SBI's exclusion list |
| IndiGo Kotak Premium Credit Card Kotak Mahindra Bank | earns nothing | — | Wallet reloading in the published exclusion list |
| IndiGo Axis Bank Premium Credit Card Axis Bank | earns nothing | — | "Wallet" in the card's published exclusion list |
| Emirates Skywards ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero miles; ICICI-wide wallet-load exclusion (5-Feb-2024) |
| YES Bank RESERV YES Bank | earns nothing | — | Zero RP + 1% fee on wallet loads (YES MITC) — community, flag |
| YES Bank ELITE+ YES Bank | earns nothing | — | Zero points (MCC 6540); 1% fee on a third-party wallet load above ₹2,000 |
| RBL iGlobe RBL Bank | earns nothing | — | Wallet loads excluded — RBL standard, community, flag |
| SpiceJet Axis Bank Voyage Black Axis Bank | earns nothing | — | Zero SC Points; 1% Axis fee on wallet loads ≥₹10k/cycle |
| Kotak Solitaire Kotak Mahindra Bank | earns nothing | — | Zero Air Miles — official MCC table (6540) |
| SBI Card MILES ELITE SBI Card | earns nothing | — | MCC 6540, 6541 |
| IndiGo SBI Card SBI Card | earns nothing | — | Zero BluChips — cross-sell/wallet in SBI's exclusion list |
| IndiGo Kotak Credit Card Kotak Mahindra Bank | earns nothing | — | Wallet reloading in the published exclusion list |
| RBL Icon RBL Bank | earns nothing | — | Wallet loads zero — RBL standard, community, flag |
| YES Essence YES Bank | earns nothing | — | Zero points (MCC 6540); 1% fee on a third-party wallet load above ₹2,000 |
| Tata Neu Plus HDFC Bank HDFC Bank | earns nothing | — | "Wallet loads / Gift or Prepaid Card load/ Voucher purchase" |
| Tata Neu Plus SBI Card SBI Card | earns nothing | — | Zero NeuCoins — wallet, gift-card and prepaid loads and voucher purchases under MCC 6540 and 6541 |
| RBL World Safari RBL Bank | earns nothing | — | MCC 6540 — zero |
| RBL World Safari Lite RBL Bank | earns nothing | — | Named in §3.4(d) as ineligible to earn |
| RBL Platinum Edge RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the product page's own dated exclusion footnote |
| RBL World Safari Plus RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own §3.4(c) exclusion sentence |
| KrisFlyer SBI Card SBI Card | earns nothing | — | Zero miles — wallet loads in SBI's exclusion list |
| PhonePe HDFC Bank Ultimo HDFC Bank | earns nothing | — | "wallet load" — named in the Reward Points TnCs exclusion list |
| RBL Insignia Preferred Banking World Card RBL Bank | earns nothing | — | Wallet loads (MCC 6540) excluded — RBL standard, community, flag |
| Emirates Skywards ICICI Bank Sapphiro ICICI Bank | earns nothing | — | Zero miles; ICICI-wide wallet-load exclusion (5-Feb-2024) |
| SBI Card ELITE SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| MakeMyTrip ICICI Bank ICICI Bank | earns nothing | — | Zero myCash; ICICI-wide wallet-load exclusion (5-Feb-2024) |
| Paytm HDFC Bank Select HDFC Bank | earns nothing | — | Named in the card's CashBack T&C as ineligible |
| MakeMyTrip ICICI Bank Platinum ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540), which exempts only Amazon Pay ICICI; 1% fee on loads of ₹5,000 or more w.e.f. 15 Jan 2026 |
| Kotak Zen Signature Kotak Mahindra Bank | earns nothing | — | Zero Zen Points w.e.f. 1 Jun 2025 — MCC 6540, plus 1% on cumulative wallet loading past ₹10,000 a statement cycle |
| Kotak White Reserve Kotak Mahindra Bank | earns nothing | — | No per-swipe points; KFS waives the wallet-load fee, but wallet loads don't count toward milestones (flag) |
| RBL Bank Patanjali Swarn RBL Bank / Patanjali | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| TVS Credit RBL Bank RBL Bank / TVS Credit | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| RBL Bank Blockbuster RBL Bank / BookMyShow | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| RBL Platinum LifeEasy RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the product page's own dated exclusion footnote |
| AU Ananta AU Small Finance Bank | earns nothing | — | Zero RP on wallet loads since 1-Apr-2024 |
| IndusInd Legend IndusInd Bank | earns nothing | — | Wallet loads earn zero (community/flag); 1% fee >₹20k/cycle (MITC) |
| PhonePe HDFC Bank Uno HDFC Bank | earns nothing | — | "wallet load" — named in the PhonePe programme's Reward Points exclusion list |
| Kotak NRI Royale Signature Kotak Mahindra Bank | earns nothing | — | Zero points — MCC 6540, plus 1% on cumulative wallet loading past ₹10,000 a statement cycle |
| AU Zenith AU Small Finance Bank | earns nothing | — | Zero RP on wallet loads since 1-Apr-2024 |
| SBI Card PRIME SBI Card | earns nothing | — | Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020, named in the card's own booklet at §11.3(d) |
| SpiceJet Axis Bank Voyage Axis Bank | earns nothing | — | Zero SC Points; 1% Axis fee on wallet loads ≥₹10k/cycle |
| IndianOil Axis Bank Premium Axis Bank | earns nothing | — | MCC 6540 earns nothing and is excluded from the ₹30,000 waiver count; 1% fee above ₹10,000 of wallet loads a statement period |
| IndiGo Axis Bank Credit Card Axis Bank | earns nothing | — | "Wallet" in the card's published exclusion list |
| HDFC PIXEL Go HDFC Bank | earns nothing | — | Wallet, gift and prepaid card loads and voucher purchases — MCC 6540 — earn nothing; a 1% fee also applies to non-PayZapp wallet loading above ₹10,000 a calendar month from 1 Oct 2025 |
| SBI Card MILES SBI Card | earns nothing | — | MCC 6540, 6541 |
| IRCTC SBI Card Premier SBI Card | earns nothing | — | SBI-standard wallet-load exclusion — community, flag |
| IRCTC SBI Platinum Card SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541 since 1 Jul 2020 |
| IndusInd Pinnacle World IndusInd Bank | earns nothing | — | Wallet loads earn zero (community/flag); 1% fee >₹20k/cycle (MITC) |
| RBL Signature Banking RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| RBL Aspire Banking RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| ICICI Sapphiro ICICI Bank | earns nothing | — | Zero since 5-Feb-2024 |
| Union Bank UNICORN Union Bank of India | earns nothing | — | Zero reward points — "wallet loading" is named in the MITC's exclusion line |
| RBL Apex RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero RP; ICICI-wide wallet-load exclusion (5-Feb-2024) |
| BOBCARD Premier BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 6539 to 6543, and wallet loads carry a 1% processing fee |
| ICICI Bank Emeralde ICICI Bank | earns nothing | — | Zero under the E-Wallet Reload exclusion (MCC 6540); 1% fee on loads of ₹5,000+ |
| Union Bank NEXTERIA Union Bank of India | earns nothing | — | Zero reward points — "wallet loading" is named in the MITC's exclusion line |
| AU Vetta AU Small Finance Bank | earns nothing | — | Zero RP on wallet loads since 1-Apr-2024 |
| IRCTC HDFC Bank Credit Card HDFC Bank / IRCTC | earns nothing | — | "Wallet loads / Gift or Prepaid Card load/ Voucher purchase" — MCC 6540 earns nothing "even if it is from these merchants" |
| IRCTC RBL Bank Credit Card RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| IRCTC BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Wallet loads excluded — BOBCARD standard, community, flag |
| BPCL SBI Card OCTANE SBI Card | earns nothing | — | Zero points — e-wallet loading and recharge under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| SBI Card PULSE SBI Card | earns nothing | — | Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| HPCL ENERGIE BOBCARD BOBCARD (Bank of Baroda) | earns nothing | — | Zero points — Annexure 1 covers 6539 to 6543, and wallet loads carry a 1% processing fee |
| Standard Chartered EaseMyTrip Standard Chartered | earns nothing | — | Wallet loads excluded — SC standard, community, flag |
| BOBCARD Uni GoldX BOBCARD (Bank of Baroda) | earns nothing | — | Named verbatim — "digital wallet loading or top-up transactions" |
| ICICI Bank Coral ICICI Bank | earns nothing | — | Zero — "No reward points will be provided for transactions falling under the E-Wallet Reload category" (MCC 6540); only Amazon Pay ICICI is exempted. A 1% fee applies to wallet loads of ₹5,000 or more w.e.f. 15 Jan 2026. |
| YES Bank SELECT YES Bank | earns nothing | — | Zero points (MCC 6540 and any third-party wallet irrespective of MCC); 1% fee on a load above ₹2,000, capped ₹5,000 a transaction |
| YES Bank BYOC (Rewards) YES Bank | earns nothing | — | Zero points (MCC 6540); 1% fee on a third-party wallet load above ₹2,000 |
| YES Bank Zagg Credit Card YES Bank | earns nothing | — | Zero coins on POI (Point of Interaction) funding transactions — Zagg's wording for a wallet or prepaid load |
| ICICI Bank Expressions ICICI Bank | earns nothing | — | Zero under the E-Wallet Reload exclusion (MCC 6540); 1% fee on loads of ₹5,000+ |
| ICICI Bank HPCL Super Saver ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion; the T&C separately strikes HP Pay app wallet loads out of the fuel-surcharge waiver |
| Kotak League Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 6540, plus 1% on cumulative wallet loading past ₹10,000 a statement cycle |
| DBS Vantage DBS Bank India | earns nothing | — | Wallet reload on the published closed exclusion list (T&C) |
| Federal Bank Celesta Federal Bank | earns nothing | — | Zero RP + 1% fee per wallet-load txn (Federal standard) — community, flag |
| IndusInd Pioneer Heritage IndusInd Bank | earns nothing | — | Wallet loads excluded (IndusInd standard, community, flag) |
| Axis Bank My Zone Axis Bank | earns nothing | — | Wallet loads earn nothing and are excluded from the milestone count; 1% fee above ₹10,000 of wallet loads a statement cycle. From 28 Aug 2026 gift cards move out of Wallet into their own "Gift Card" category — still no rewards, still excluded from milestones |
| Fibe Axis Bank Credit Card Axis Bank | earns nothing | — | Wallet loads earn nothing |
| Axis Bank ACE Axis Bank | earns nothing | — | Wallet loads earn nothing, carry a 1% fee above ₹10,000 a cycle, and MCC 6540 is struck out of the fee-waiver count |
| Axis Bank REWARDS Axis Bank | earns nothing | — | "Wallet/ Wire Transfer" is on the excluded-MCC table, and wallet loads are separately struck out of the waiver count |
| YES Bank Wellness Plus YES Bank | earns nothing | — | Zero points (MCC 6540); 1% fee on a third-party wallet load above ₹2,000 |
| Flipkart Axis Bank Credit Card Axis Bank | earns nothing | — | Wallet loads earn nothing, carry a 1% fee above ₹10,000 a statement cycle, and MCC 6540 is struck out of the ₹3,50,000 fee-waiver count |
| Axis Bank NEO Axis Bank | earns nothing | — | Zero points; plus a 1% fee once wallet loads pass ₹10,000 in a statement cycle |
| SimplyCLICK SBI Card SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541, including loads made on a partner brand's own site |
| AU Zenith+ AU Small Finance Bank | earns nothing | — | Zero RP on wallet loads since 1-Apr-2024 |
| AU Bank NOMO Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — AU excludes cash and quasi-cash across its shelf, and wallet loads settle as quasi-cash |
| RBL Lumière RBL Bank | earns nothing | — | Wallet loads excluded — RBL standard, community, flag |
| SBI AURUM SBI Card | earns nothing | — | Wallet loads earn no points (SBI Card standard, community, flag) |
| HDFC Bank Millennia HDFC Bank | earns nothing | — | "Effective 1st September 2024, Wallet loading and EMI transactions will NOT earn Reward Points. Wallet MCC: 6540" — gift, prepaid-card and voucher purchases earn the 1% bucket but never the 5% |
| HDFC Bank PIXEL Play HDFC Bank | earns nothing | — | Prepaid card, gift card, wallet load and voucher purchases — MCC 6540 — accrue no CashPoints in any bucket |
| HDFC Bank Freedom HDFC Bank | earns nothing | — | "Effective 1st September 2024, Wallet loading and Easy EMI transactions will NOT earn Reward Points. Wallet MCC: 6540" |
| Flipkart SBI Card SBI Card | earns nothing | — | 0% cashback — MCC 6540 and 6541, and the prose adds gift and prepaid card loads and voucher purchases alongside them |
| Titan SBI Card SBI Card | earns nothing | — | Zero points — §11.3(c) names "Wallet upload", and §B(1)(vii) pins it to MCC 6540 and 6541 w.e.f. 1 Jul 2020 |
| Reliance SBI Card PRIME SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| Landmark Rewards SBI Card PRIME SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020, from the program-wide Shop-and-Smile exclusion list |
| Apollo SBI Card SELECT SBI Card | earns nothing | — | Zero Health Credits — e-wallet loading under MCC 6540 and 6541 |
| CASHBACK SBI Card SBI Card | earns nothing | — | Zero cashback on MCC 6540 and 6541 |
| Axis Bank Cashback Axis Bank | earns nothing | — | Wallet loads earn nothing, carry a 1% fee above ₹10,000 a cycle, and are struck out of the fee-waiver count |
| Axis Bank Freecharge Plus Axis Bank | earns nothing | — | Wallet loads earn nothing, carry a 1% fee above ₹10,000 a cycle, and are struck out of the fee-waiver count |
| Axis Bank SuperMoney RuPay Axis Bank | earns nothing | — | Wallet load transactions earn nothing |
| Paytm HDFC Bank Digital HDFC Bank | earns nothing | — | Wallet loads earn nothing |
| Paytm HDFC Bank Mobile HDFC Bank | earns nothing | — | Wallet loads earn nothing |
| Kotak Cashback+ Kotak Mahindra Bank | earns nothing | — | Wallet loads earn nothing |
| Kotak Cashback+ Prime Kotak Mahindra Bank | earns nothing | — | Wallet loads earn nothing |
| Paytm HDFC Bank HDFC Bank | earns nothing | — | "CashBack is not applicable for wallet loads" — named on the card's own page |
| Kotak UPI RuPay Kotak Mahindra Bank | earns nothing | — | Wallet loads earn nothing, and carry a 1% fee above ₹10,000 a statement cycle |
| Axis Bank Freecharge Axis Bank | earns nothing | — | Wallet loads earn nothing, and are the second category the 20 Jun 2025 revision names as excluded from a spend-based fee-waiver count that Axis never states a threshold for; a 1% fee applies above ₹10,000 of wallet loads a statement cycle |
| Axis Bank Kwik Axis Bank | earns nothing | — | Wallet loads earn nothing; a 1% fee also applies above ₹10,000 of wallet loads a statement cycle |
| Axis Bank Pride Platinum Axis Bank | earns nothing | — | Wallet loads earn nothing and are excluded from the ₹20,000 fee-waiver count; a 1% fee also applies above ₹10,000 of wallet loads a statement cycle |
| Axis Bank Pride Signature Axis Bank | earns nothing | — | Wallet loads earn nothing and are excluded from the ₹40,000 fee-waiver count; a 1% fee also applies above ₹10,000 of wallet loads a statement cycle |
| ICICI Bank HPCL Coral Credit Card ICICI Bank | earns nothing | — | Zero reward points — the MITC's E-Wallet Reload exclusion, which it waives only for Amazon Pay ICICI |
| HDFC Bank UPI RuPay HDFC Bank | earns nothing | — | Zero CashPoints — "Wallet loads / Gift or Prepaid Card load/ Voucher purchase", and the T&C names the code: "transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined by RuPay) will not be considered for CashPoints even if it is from these merchant categories" |
| ICICI Bank Platinum Chip Credit Card ICICI Bank | earns nothing | — | Zero reward points — "No reward points will be provided for transactions falling under the E-Wallet Reload category", a rule the MITC exempts only Amazon Pay ICICI from |
| IndianOil HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero Fuel Points — wallet loading is named in both §2.1 and Table 1.1 |
| IndianOil Axis Bank Credit Card Axis Bank | earns nothing | — | No EDGE REWARDS, excluded from the fee-waiver count, and 1% + GST above ₹10,000 of cumulative wallet loads a statement period |
| SimplySAVE SBI Card SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| HDFC Bank MoneyBack+ HDFC Bank | earns nothing | — | Zero points on wallet loads (MCC 6540), gift and prepaid card loads and voucher purchases — stated twice, and reconfirmed effective 1 Sep 2024 |
| Landmark Rewards SBI Card SELECT SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| Landmark Rewards SBI Card SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| Reliance SBI Card SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541) since 1 Jul 2020, and they carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| Shoppers Stop HDFC Bank HDFC Bank | earns nothing | — | Zero points on wallet loads |
| LIC Axis Bank Platinum Axis Bank | earns nothing | — | Zero points on wallet loads and gift-card purchases, both named in the rewards catalogue's exclusion table; a 1% fee applies above ₹10,000 a cycle |
| ICICI Bank Parakram ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540); only Amazon Pay ICICI is exempted |
| ICICI Bank Parakram Select ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540) |
| ICICI Bank Coral against FD ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540); a 1% fee applies to wallet loads of ₹5,000 or more w.e.f. 15 Jan 2026 |
| ICICI Bank Rubyx against FD ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540) |
| ICICI Bank NRI Coral ICICI Bank | earns nothing | — | Zero — "No reward points will be provided for transactions falling under the E-Wallet Reload category" (MCC 6540); only Amazon Pay ICICI is exempt. A 1% fee applies to wallet loads of ₹5,000 or more w.e.f. 15 Jan 2026. |
| ICICI Bank NRI Sapphiro ICICI Bank | earns nothing | — | Zero — the MITC's E-Wallet Reload exclusion (MCC 6540), Amazon Pay ICICI exempted. Wallet loads of ₹5,000 or more draw a 1% fee w.e.f. 15 Jan 2026. |
| Swiggy Ornge HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 6540), plus a 1% fee on wallet loads above ₹10,000 a calendar month, capped at ₹4,999 |
| Swiggy BLCK HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback (MCC 6540), plus a 1% fee on wallet loads above ₹10,000 a calendar month, capped at ₹4,999 |
| Utkarsh Eternal Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Wallet recharges' — zero cashback |
| Utkarsh Rhodium Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Wallet recharges' — zero cashback |
| Utkarsh SmartGen Credit Card Utkarsh Small Finance Bank | earns nothing | — | Named on the ineligible list as 'Wallet recharges' — zero cashback |
| Axis Bank Shoppers Stop Credit Card Axis Bank | earns nothing | — | The other category excluded on both sides: no points on a wallet load, and wallet loads do not count toward the ₹1,00,000 waiver. A 1% fee applies once wallet loads pass ₹10,000 in a statement cycle |
| RBL Platinum Delight RBL Bank | earns nothing | — | Zero RP — "Wallet/Service Providers" (MCC 6540) is excluded from earn and from the waiver |
| RBL Platinum ShopGain RBL Bank | earns nothing | — | Zero RP — "Wallet Load" / "Service Providers" (MCC 6540) in the first footnote |
| RBL Platinum Max RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL Platinum Prime RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL Platinum Plus RBL Bank | earns nothing | — | Zero RP — "Wallet Load" / "Service Providers" (MCC 6540) in the first footnote |
| RBL Platinum Choice RBL Bank | earns nothing | — | Zero RP — "Wallet Load" / "Service Providers" (MCC 6540) in the first footnote |
| RBL Platinum Advantage RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL Binge RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL MyFirst RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL EasySaver RBL Bank | earns nothing | — | Zero RP since 13-Nov-2023 — "Wallet Load" / "Service Providers" (MCC 6540) |
| RBL Shoprite RBL Bank | earns nothing | — | Zero RP — "Wallet/Service Providers" (MCC 6540), on neither the earn nor the waiver side |
| RBL Movies and More RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Wallet/Service Providers" (MCC 6540) |
| RBL Patanjali Vishisht RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Wallet/Service Providers" (MCC 6540) |
| RBL Bank SalarySe UP RBL Bank | earns nothing | — | Zero RP and no waiver credit — "Wallets/Service Providers" (MCC 6540) |
| RBL Bank DMI Finance RBL Bank | earns nothing | — | Zero RP and no milestone credit — "Wallets/Service Providers" (MCC 6540) |
| RBL Paisabazaar Duet RBL Bank | earns nothing | — | No cashback — "Wallets/Service Providers" (MCC 6540) |
| RBL Paisabazaar Duet Plus RBL Bank | earns nothing | — | No cashback — "Wallets/Service Providers" (MCC 6540) |
| RBL BankBazaar SaveMax RBL Bank | earns nothing | — | Zero RP — "Wallet/Service Providers" (MCC 6540) on the original list |
| RBL Cookies RBL Bank | earns nothing | — | Zero benefit — "Wallet/Service Providers" (MCC 6540) |
| Swiggy HDFC Bank Credit Card HDFC Bank | earns nothing | — | Zero cashback — wallet loads are on the exclusion list, and Swiggy Money Wallet is separately excluded even inside the 10% Swiggy rung |
| AU LIT Credit Card AU Small Finance Bank | earns nothing | — | Zero RP — AU's grid excludes "Cash withdrawal and Quasi Cash" (MCC 6010, 6011, 6050) from both base and accelerated earning, and wallet loads settle as quasi-cash |
| AU Altura Plus Credit Card AU Small Finance Bank | earns nothing | — | Zero Reward Points — "Quasi Cash" is named in AU's exclusion note, and wallet loads settle as quasi-cash |
| AU Altura Credit Card AU Small Finance Bank | earns nothing | — | Zero cashback — wallet loads are named in AU's exclusion note alongside cash |
| Suryoday SFB RuPay Platinum Suryoday Small Finance Bank | earns nothing | — | MCCs 4814 and 6540 — wallet recharges earn nothing |
| Suryoday SFB RuPay Select Suryoday Small Finance Bank | earns nothing | — | MCCs 4814 and 6540 earn nothing |
| DCB PayLess Select Credit Card DCB Bank | earns nothing | — | "Wallet loading" in the prose, MCC 6540 in the list |
| DCB PayLess Platinum Credit Card DCB Bank | earns nothing | — | "Wallet loading" is named in the prose and MCC 6540 in the list |
| SBM MobiKwik First Credit Card SBM Bank (India) | earns nothing | — | "Funding transaction", MCC 5406, is excluded, as are financial institutions (6012) |
| Paisabazaar Paisa Plus Credit Card SBM Bank (India) | earns nothing | — | "Wallets loading transactions" in the prose; financial institutions (MCC 6012), quasi-cash (6051) and wire transfers (4829) are on the MCC table |
| Paisabazaar Step-Up SBM Credit Card SBM Bank (India) | earns nothing | — | "E-Wallet Loading — 6540" is the first row of Paisabazaar's disallowed table |
| CUB CSK Master Platinum City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing, and the KFS charges a 1% wallet load transaction fee on each such transaction (it names 6538, 6539, 6540, 6541 and 6542 individually) |
| CUB SRH Master Platinum City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing and carry a 1% wallet load transaction fee |
| CUB CSK RuPay Platinum City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing and carry a 1% wallet load transaction fee |
| CUB SRH RuPay Platinum City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing and carry a 1% wallet load transaction fee |
| CUB CSK Master World City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing, and the KFS charges a 1% wallet load transaction fee on each such transaction (it names 6538, 6539, 6540, 6541 and 6542 individually) |
| CUB SRH Master World City Union Bank | earns nothing | — | MCCs 6538–6542 earn nothing and carry a 1% wallet load transaction fee |
| IndianOil RBL Bank Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Wallets/Service Providers" (MCC 6540) on the T&C's §3.7 exclusion table |
| IndianOil RBL Bank XTRA Credit Card RBL Bank | earns nothing | — | No Fuel Points — "Wallets/Service Providers" (MCC 6540) 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 6540) |
| RBL Bank Shoppers Stop Platinum RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 6540) |
| RBL Bank Shoppers Stop Gold RBL Bank | earns nothing | — | Zero points and no milestone credit (MCC 6540) |
| Amex Platinum Travel American Express | earns nothing | — | De-facto blocked — wallets don't accept Amex |
| Amex Platinum Charge American Express | earns nothing | — | De-facto blocked: Paytm/MobiKwik/PhonePe don't accept Amex for wallet loads — community |
| Amex Membership Rewards Card American Express | earns nothing | — | De-facto blocked |
| Amex Platinum Reserve American Express | earns nothing | — | De-facto blocked: wallets don't accept Amex for loads — community |
| Scapia (BOBCARD) BOBCARD (Bank of Baroda) | earns nothing | — | Zero coins + 1% + GST fee per wallet-load txn |
| Amex Gold Charge American Express | earns nothing | — | De-facto blocked |
| RBL World Plus RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the product page's two stacked exclusion footnotes |
| RBL World Prime RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the product page's two stacked exclusion footnotes |
| RBL World Max RBL Bank | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the product page's two stacked exclusion footnotes |
| OneCard Metal OneCard (issued via partner banks) | earns nothing | — | Wallet loads excluded — community, flag |
| Flipkart Axis Bank Super Elite Axis Bank | earns nothing | — | Zero SuperCoins on wallet loads (MCC 6540); also excluded from the ₹2L fee-waiver count |
| Paytm SBI Card SELECT SBI Card | earns nothing | — | Zero points — clause 6 is unusually wide here, excluding "any Wallet Load (Paytm or any other App)", so loading the co-brand partner's own wallet earns nothing; the MCC table pins it to 6540 and 6541 |
| PhonePe SBI Card SELECT BLACK SBI Card | earns nothing | — | Zero points — e-wallet loading, MCC 6540 and 6541 |
| Paytm SBI Card SBI Card | earns nothing | — | Zero points — "any Wallet Load (Paytm or any other App)", MCC 6540 and 6541 w.e.f. 1 Jul 2020. Loading the Paytm wallet with the Paytm card earns nothing, which is the trap this card is most often bought for |
| KVB SBI Signature Card SBI Card | earns nothing | — | Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| KVB SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| South Indian Bank SBI Platinum Card SBI Card | earns nothing | — | Zero points — MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| Shaurya Select SBI Card SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| PhonePe SBI Card PURPLE SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| SBI Card Unnati SBI Card | earns nothing | — | Zero points on e-wallet loads (MCC 6540, 6541), which also carry a 1% fee above ₹1,000 from 1 Nov 2025 |
| Axis Atlas Axis Bank | earns nothing | — | 6540; zero since 20-Apr-2024 |
| Axis Bank Vistara Infinite Credit Card Axis Bank | earns nothing | — | "Wallet load transactions" — named in the post-merger list |
| YES First Preferred YES Bank | earns nothing | — | Zero points (MCC 6540); 1% fee on a third-party wallet load above ₹2,000 |
| RBL Bank Black RBL Bank / MWYN Tech (MoneyTap) | earns nothing | — | No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table |
| MakeMyTrip ICICI Bank Signature ICICI Bank | earns nothing | — | Zero under the E-Wallet Reload exclusion (MCC 6540); 1% fee on loads of ₹5,000+ |
| Kotak Royale Signature Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 6540, plus 1% on cumulative wallet loading past ₹10,000 a statement cycle |
| Kotak Privy League Signature Kotak Mahindra Bank | earns nothing | — | Zero RP on wallet loads (Kotak standard, community, flag) |
| Kotak Mojo Platinum Kotak Mahindra Bank | earns nothing | — | Zero points w.e.f. 1 Jun 2025 — MCC 6540, plus 1% on cumulative wallet loading past ₹10,000 a statement cycle |
| Emirates Skywards ICICI Bank Rubyx ICICI Bank | earns nothing | — | Zero under the E-Wallet Reload exclusion (MCC 6540); 1% fee on loads of ₹5,000+ |
| Chennai Super Kings ICICI Bank ICICI Bank | earns nothing | — | Zero under the MITC's E-Wallet Reload exclusion (MCC 6540); wallet transactions are also struck out of the CSK monthly top-spender count |
| Air India SBI Signature Card SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| Club Vistara SBI Card PRIME SBI Card | earns nothing | — | Zero CV Points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| Axis Bank Vistara Signature Credit Card Axis Bank | earns nothing | — | "Wallet load transactions" — named in the post-merger list |
| Club Vistara SBI Card SBI Card | earns nothing | — | Zero CV Points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020 |
| Axis Bank Vistara Credit Card Axis Bank | earns nothing | — | "Wallet load transactions" — named in the post-merger list |
| Air India SBI Platinum Card SBI Card | earns nothing | — | Zero points — e-wallet loading under MCC 6540 and 6541 since 1 Jul 2020 |
| HDFC Regalia HDFC Bank | earns nothing | — | Zero RP on wallet loads (bank-wide) |
| HDFC Regalia Activ HDFC Bank | earns nothing | — | "EasyEMI and e-wallet loading transactions will not accrue Reward points" — clause 4 |
| Myntra Kotak Kotak Mahindra Bank | earns nothing | — | No cashback on either leg, and excluded from the quarterly milestone too |
| RBL Bank novio RBL Bank | earns nothing | — | No Reward Points — MCC 6540, "Wallets/Service Providers" |
| RBL vCard RBL Bank | earns nothing | — | No Reward Points — MCC 6540 |
| HDFC Harley-Davidson Diners Club HDFC Bank | n/a | — | No earn rule published; a 1% wallet-loading fee applies bank-wide since 1 July 2025 |
How wallet loads got here
4 tracker events whose headline names this category — the dated record behind the table. Every row links the event on the tracker.
Not published
823 cards on the desk have no rule we could read for wallet loads. They are named here rather than guessed into the ranking above — an unread rule is not a full-earn rule.
Name all 823
Axis Burgundy PrivateStandard Chartered BeyondIndusInd PIONEER PrivateDBS 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 CardAU CA MetalAU CSEquitas Selfe Credit CardIndus SolitaireNiyo Global SBM Credit CardEazyDiner IndusInd SignatureShoppers Stop Black HDFC BankAxis Bank PrivilegeKotak WhiteStandard Chartered RewardsFederal Bank ImperioUnion Bank DIVAA ICONUnion Bank RuPay SelectUnion Sparshslice UPI Credit CardUnion JCB WellnessUnion JCB HealthUnion Bank RuPay PlatinumFederal Bank SignetIndusInd IndulgeIndusInd CrestIndusInd Pioneer LegacyLIC Axis Bank SignatureSamsung Axis Bank SignatureAU Bank Traverse Credit Card (NRI)IDFC FIRST SWYPCRED IndusInd Bank RuPay Credit CardIndusInd Platinum Aura EdgeDBS SuperXDBS SuperX PlusStandard Chartered Super Value TitaniumFlipkart Wholesale HDFC BankAxis Bank My WingsAxis Bank My Zone EasyAxis Bank PlatinumAxis Bank Titanium Smart TravellerBPCL SBI CardHDFC Bank BizGrowGoogle Pay Flex Axis BankIOB VISA Signature Credit CardIOB VISA Platinum Credit CardIndusInd Bank Nexxt Credit CardKotak811 Super Money CardICICI Bank Instant PlatinumEazyDiner IndusInd PlatinumIndusInd ePay AmexIndusInd DuoIndusInd Platinum RuPayKrishak 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 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 LumineESAF INORI RuPay PlatinumDCB Niyo Global Credit CardDCB novio Credit Card (RuPay Select)DCB ZET Credit CardDCB novio Credit Card (RuPay Platinum)SBM 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 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 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 SelectApollo SBI CardShaurya SBI CardDoctor's 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 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 InfiniteSamsung Axis Bank InfiniteIndusInd Iconia AmexIndusInd Signature VisaIndusInd Platinum AuraPoonawalla Fincorp IndusInd eLITE RuPayEtihad Guest SBI Premier CardEtihad Guest SBI CardAxis Bank AURAManchester 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 ClassicKotak 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 KotakIndusInd 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.