Add your cards
Best card for

Which credit card to use, by where you spend

Every merchant and spend category we track, with the top card and what it pays back right now. Open any one for the full ranking, the route, and what earns nothing.
Online shopping12 places
Nykaa HDFC Infinia Metal · 16.5% back IKEA HDFC Infinia Metal · 16.5% back Flipkart HDFC Infinia Metal · 13.55% back Amazon HDFC Infinia Metal · 12.37% back AdaniOne (airport duty-free, travel) HSBC Live+ · 10% back Airport duty-free HSBC Live+ · 10% back Sephora HSBC Live+ · 10% back Meesho HSBC Live+ · 10% back Tata CLiQ HSBC Live+ · 10% back FirstCry HSBC Live+ · 10% back AliExpress HSBC Live+ · 10% back Online shopping HSBC Live+ · 10% back
Food delivery3 places
Swiggy HDFC Infinia Metal · 16.67% back Zomato HDFC Infinia Metal · 16.67% back Food delivery HSBC Live+ · 10% back
Groceries10 places
Zepto HDFC Infinia Metal · 16.5% back JioMart HDFC Infinia Metal · 16.5% back Swiggy Instamart Swiggy HDFC Bank · 10% back Blinkit HSBC Live+ · 10% back BigBasket HSBC Live+ · 10% back DMart (in store) HSBC Live+ · 10% back Flipkart Minutes HSBC Live+ · 10% back Reliance Smart Bazaar HSBC Live+ · 10% back Country Delight HSBC Live+ · 10% back Groceries HSBC Live+ · 10% back
Dining out10 places
Domino's HDFC Infinia Metal · 16.67% back KFC HDFC Infinia Metal · 16.67% back Pizza Hut HDFC Infinia Metal · 16.67% back Starbucks HDFC Infinia Metal · 16.67% back Restaurant (dine-in) HSBC Live+ · 10% back EazyDiner (table booking, pay the bill in app) HSBC Live+ · 10% back Swiggy Dineout (bill paid in app) HSBC Live+ · 10% back McDonald's HSBC Live+ · 10% back Burger King HSBC Live+ · 10% back Dining out HSBC Live+ · 10% back
Fuel5 places
IndianOil (IOCL) pump IndianOil RBL XTra · 7.5% back BPCL pump SBI BPCL Octane · 6.25% back HPCL petrol pump FIRST Power+ · 5% back Petrol pump (any brand) Kotak Cashback+ Credit Card · 3% back Fuel Kotak Cashback+ Credit Card · 3% back
Flights12 places
MakeMyTrip Axis Magnus for Burgundy · 18% back Cleartrip Axis Magnus for Burgundy · 18% back Airline website (direct) Axis Magnus for Burgundy · 18% back EaseMyTrip Axis Magnus for Burgundy · 18% back Ixigo Axis Magnus for Burgundy · 18% back Yatra Axis Magnus for Burgundy · 18% back Goibibo Axis Magnus for Burgundy · 18% back IndiGo Axis Magnus for Burgundy · 18% back Air India (direct) Axis Magnus for Burgundy · 18% back Akasa Air Axis Magnus for Burgundy · 18% back SpiceJet Axis Magnus for Burgundy · 18% back Flights Axis Magnus for Burgundy · 18% back
Hotels17 places
Hotel booking ICICI Emeralde Private Metal · 36% back ITC Hotels ICICI Emeralde Private Metal · 36% back Elivaas villas ICICI Emeralde Private Metal · 36% back The Postcard Hotel ICICI Emeralde Private Metal · 36% back Oberoi Hotels ICICI Emeralde Private Metal · 36% back The LaLiT hotels ICICI Emeralde Private Metal · 36% back IHG hotels (InterContinental, Holiday Inn) ICICI Emeralde Private Metal · 36% back Hilton hotels ICICI Emeralde Private Metal · 36% back Accor hotels (Novotel, Sofitel, ibis) ICICI Emeralde Private Metal · 36% back StayVista ICICI Emeralde Private Metal · 36% back Taj / IHCL hotels ICICI Emeralde Private Metal · 36% back Marriott hotels (direct) ICICI Emeralde Private Metal · 36% back Booking.com ICICI Emeralde Private Metal · 36% back Agoda ICICI Emeralde Private Metal · 36% back OYO ICICI Emeralde Private Metal · 36% back Hotels ICICI Emeralde Private Metal · 36% back Airbnb FIRST Private · 6.6% back
Train tickets1 place
IRCTC (train tickets) IRCTC SBI Card · 10% back
Utility bills4 places
Paytm (recharges, bills, travel) HSBC Live+ · 10% back Electricity / utility bill HSBC Live+ · 10% back LPG cylinder (Indane/HP Gas) HSBC Live+ · 10% back Utility bills HSBC Live+ · 10% back
Mobile / broadband5 places
Airtel / Jio recharge Airtel Axis Bank · 25% back Airalo eSIM PhonePe SBI SELECT BLACK · 10% back Mobile / broadband PhonePe SBI SELECT BLACK · 10% back Jio recharge Axis Burgundy Private · 6.38% back Vi recharge Axis Burgundy Private · 6.38% back
Rent3 places
Rent Axis Burgundy Private · 5.2% back Rent via NoBroker/CRED Axis Burgundy Private · 4.2% back CRED rent Axis Burgundy Private · 3.7% back
Insurance3 places
Insurance premium Axis Burgundy Private · 6.38% back LIC premium Axis Burgundy Private · 6.38% back Insurance Axis Burgundy Private · 6.38% back
Education3 places
School / college fees Axis Burgundy Private · 5.2% back Coursera Axis Burgundy Private · 5.2% back Education Axis Burgundy Private · 5.2% back
Wallet load2 places
Wallet load (Paytm etc.) SC Ultimate · 3.3% back Wallet load SC Ultimate · 3.3% back
Government / tax2 places
Government / tax Biz Black Metal Edition Credit Card · 3.33% back Income tax / GST Biz Black Metal Edition Credit Card · 2.48% back
Movies & events12 places
BookMyShow HDFC Infinia Metal · 16.67% back Sony LIV FIRST Private · 6.67% back Times Prime FIRST Private · 6.67% back Gaana Plus FIRST Private · 6.67% back Netflix FIRST Private · 6.67% back JioHotstar FIRST Private · 6.67% back Spotify FIRST Private · 6.67% back Google Play FIRST Private · 6.67% back YouTube Premium FIRST Private · 6.67% back PVR INOX (tickets) FIRST Private · 6.67% back District by Zomato FIRST Private · 6.67% back Movies & events FIRST Private · 6.67% back
Electronics4 places
Croma HDFC Infinia Metal · 7.5% back Reliance Digital HDFC Infinia Metal · 7.5% back Apple (India store) FIRST Private · 6.65% back Electronics FIRST Private · 6.65% back
Fashion11 places
Myntra HDFC Infinia Metal · 16.5% back Ajio HDFC Infinia Metal · 16.5% back Decathlon HDFC Infinia Metal · 16.5% back Bata HDFC Infinia Metal · 16.5% back Taneira (sarees) HSBC Live+ · 10% back Trends (Reliance) HSBC Live+ · 10% back Zivame HSBC Live+ · 10% back H&M HSBC Live+ · 10% back Zara HSBC Live+ · 10% back Uniqlo HSBC Live+ · 10% back Fashion HSBC Live+ · 10% back
Health & pharmacy6 places
Titan Eye+ HDFC Infinia Metal · 16.25% back Lenskart HDFC Infinia Metal · 16.25% back PharmEasy HDFC Infinia Metal · 16.25% back Netmeds HDFC Infinia Metal · 16.25% back Pharmacy (Apollo/1mg) FIRST Private · 6.5% back Health & pharmacy FIRST Private · 6.5% back
Cabs & transit9 places
Uber HDFC Infinia Metal · 15% back Ola HDFC Infinia Metal · 15% back Avis car rental Axis Burgundy Private · 6.38% back Rapido Axis Burgundy Private · 6.38% back RedBus Axis Burgundy Private · 6.38% back AbhiBus Axis Burgundy Private · 6.38% back Metro card recharge Axis Burgundy Private · 6.38% back Cabs & transit Axis Burgundy Private · 6.38% back FASTag recharge FIRST Private · 6% back
Jewellery & watches14 places
World of Titan (watches) Titan SBI Card · 7.5% back Fastrack Titan SBI Card · 7.5% back Helios (watches) Titan SBI Card · 7.5% back Sonata (watches) Titan SBI Card · 7.5% back Tanishq HDFC Infinia Metal · 6% back Mia by Tanishq Titan SBI Card · 5% back Zoya Titan SBI Card · 5% back CaratLane Titan SBI Card · 5% back Reliance Jewels HDFC Infinia Metal · 3.33% back Jewellery store (any) HDFC Infinia Metal · 3.33% back Watch store (any brand) HDFC Infinia Metal · 3.33% back Malabar Gold HDFC Infinia Metal · 3.33% back Kalyan Jewellers HDFC Infinia Metal · 3.33% back Jewellery & watches HDFC Infinia Metal · 3.33% back
Gaming1 place
Steam FIRST Private · 6.6% back
Other6 places
Tattva Spa FIRST Private · 6.6% back Lakme Salon FIRST Private · 6.6% back Urban Company FIRST Private · 6.6% back Gyftr (gift cards) FIRST Private · 6.6% back Magicpin FIRST Private · 6.6% back CRED Store FIRST Private · 6.6% back
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
Something wrong? Contact us or email hi@kaunsacard.com.
TermsPrivacyRefundsDeliveryContact© 2026 KaunsaCard