Best card for
Best credit card for Education
Which card to use for Education in India - all 187 cards ranked
by what you actually get back on ₹50,000, after caps, exclusions and fees.
Top cardson ₹50,000
1
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹2,598
3,750 pts · 5.2%
2
PVR INOX Kotak
Pay directly · 1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count
kotak.com · 22 Aug 2026
₹1,500
3%
3
HSBC Premier
Pay directly · Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · cap cumulative ₹1,00,000 spend/month across these categories
hsbc.co.in · 22 Aug 2026
₹1,500
1,500 pts · 3%
4
Axis Magnus for Burgundy
Pay directly · Spend-tiered: 12 ERP/₹200 up to ₹1.5L/month, then 35 ERP/₹200 above · cap 12 ERP/₹200 to ₹1.5L/month, then 35 ERP/₹200 (bank-capped at credit limit + ₹1.5L spends/month)
axis.bank.in · 22 Aug 2026
₹1,210
3,000 pts · 2.42%
5
Air India SBI Signature Card
Pay directly
sbicard.com · 1 Oct 2026
₹1,200
2,000 pts · 2.4%
6
ICICI Emeralde Private Metal
Pay directly · Education: base rate capped 1,000 pts/statement cycle · cap 1,000 RP per statement cycle
icicibank.com · 22 Aug 2026
₹1,000
1,000 pts · 2%
7
SC Ultimate
Pay directly · 3 RP / ₹150 on utilities, supermarkets, insurance, schools, govt (2%)
av.sc.com · 20 Aug 2026
₹999
999 pts · 2%
8
Titan SBI Card
Pay directly
sbicard.com · 25 Sep 2026
₹750
3,000 pts · 1.5%
9
Adani One ICICI Signature
Pay directly
icici.bank.in · 30 Sep 2026
₹750
750 pts · 1.5%
10
Amex Platinum Charge
Pay directly
americanexpress.com · 20 Aug 2026
₹625
1,250 pts · 1.25%
Best with no annual fee3
1
RuPay Platinum
Pay directly
hsbc.co.in · 30 Sep 2026
₹593
666 pts · 1.19%
2
Visa Platinum
Pay directly
hsbc.co.in · 30 Sep 2026
₹593
666 pts · 1.19%
3
FIRST WOW!
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹500
1,000 pts · 1%
Best if you pay directly3
1
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹2,598
3,750 pts · 5.2%
2
PVR INOX Kotak
Pay directly · 1 free PVR ticket (≤₹300) per ₹10,000 of monthly billed spends - UNCAPPED ticket count
kotak.com · 22 Aug 2026
₹1,500
3%
3
HSBC Premier
Pay directly · Utilities/rent/wallet/govt/education/insurance/jewellery: points capped · cap cumulative ₹1,00,000 spend/month across these categories
hsbc.co.in · 22 Aug 2026
₹1,500
1,500 pts · 3%
Cards that earn nothing here81
HDFC Infinia Metal
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Black Metal
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Privilege
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
hdfc.bank.in · 22 Aug 2026
HDFC Millennia
Education via third-party apps earns nothing (bank prints these MCCs); direct school/college payment earns.
hdfc.bank.in · 22 Aug 2026
Tata Neu Infinity HDFC
Education via third-party apps earns nothing (1 Sep 2024).
hdfc.bank.in · 22 Aug 2026
HDFC Regalia Gold
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
hdfc.bank.in · 22 Aug 2026
Tata Neu Plus HDFC
Education via third-party apps earns nothing (1 Sep 2024).
hdfc.bank.in · 22 Aug 2026
HDFC Regalia
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
hdfc.bank.in · 22 Aug 2026
PhonePe HDFC Bank Ultimo Credit Card
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance.
hdfc.bank.in · 30 Sep 2026
PhonePe HDFC Bank Uno Credit Card
No reward points on card bill payments/charges, government payments, rental transactions, education fees, or insurance.
hdfc.bank.in · 30 Sep 2026
Biz Black Metal Edition Credit Card
Petrol/fuel, wallet loads, rent, education and EMI transactions do not earn Reward Points.
hdfc.bank.in · 2 Oct 2026
Biz Power Credit Card
Petrol/fuel, wallet loads, rent, education and EMI transactions do not earn Reward Points.
hdfc.bank.in · 2 Oct 2026
Axis ACE
Education excluded.
axis.bank.in · 22 Aug 2026
Flipkart Axis Bank
Educational services excluded.
campaign.axis.bank.in · 22 Aug 2026
Airtel Axis Bank
Education services excluded.
axis.bank.in · 22 Aug 2026
Axis Bank Cashback
Educational-institution MCCs excluded from cashback.
axis.bank.in · 22 Aug 2026
Axis Privilege
Educational services excluded.
axis.bank.in · 22 Aug 2026
Axis Select
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points
axis.bank.in · 25 Sep 2026
Axis Horizon
Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles
axis.bank.in · 25 Sep 2026
IndianOil Axis Bank Credit Card
Insurance, gold/jewellery, wallet, rent, utilities, government institutions and education earn no EDGE REWARDS
axis.bank.in · 25 Sep 2026
Axis Rewards
Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent and fuel MCCs earn no reward points
axis.bank.in · 25 Sep 2026
Axis Bank Neo
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.
axis.bank.in · 1 Oct 2026
Fibe Axis Bank Credit Card
No cashback on rent, insurance, education or government service payments.
axis.bank.in · 2 Oct 2026
Axis Bank Supermoney RuPay Credit Card
No cashback on fuel, jewellery, wallet load, insurance, education, government services or rent.
axis.bank.in · 2 Oct 2026
Google Pay Flex Axis Bank Credit Card
No Stars on educational institutions and services.
axis.bank.in · 2 Oct 2026
SBI Cashback Card
School and educational services excluded; 1% fee via third-party apps.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
School/education: 0% cashback.
sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Education earns nothing (bank T&C MCC list).
sbicard.com · 22 Aug 2026
SBI Card MILES
School and educational services earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Prime
School and educational services earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Elite
School and educational services earn nothing.
sbicard.com · 21 Sep 2026
Kotak White
Education MCCs excluded from White Pass milestone spends effective 1 Apr 2026.
kotak.bank.in · 22 Aug 2026
Kotak League Platinum
Education MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Urbane Gold (discontinued)
Education MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
IndianOil Kotak
Education MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Air+ Prime
Education earns nothing.
kotak.bank.in · 21 Aug 2026
Kotak Air
Education earns nothing.
kotak.bank.in · 21 Aug 2026
Kotak Air+
Education earns nothing.
kotak.bank.in · 21 Sep 2026
Kotak Cashback+ Credit Card
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.
kotak.bank.in · 25 Sep 2026
Kotak Cashback+ Prime Credit Card
Cashback not eligible on following spend categories: Rent, B2B transaction, Utilities, Education and Government, Wallet, Online skill-based gaming, and EMI. (Insurance is NOT in this list for the Prime variant - see notes/gaps: insurance earns base 0.5% cashback up to Rs25,000/cycle per the bank's own page.)
kotak.bank.in · 25 Sep 2026
Kotak UPI RuPay Credit Card
Reward Points will not be accrued for transaction categories such as Rent, Fuel, Railway, Wallet Loading, EMI, Education and Balance Transfer.
kotak.bank.in · 25 Sep 2026
Kotak Solitaire Credit Card
No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends.
kotak.bank.in · 30 Sep 2026
Amazon Pay ICICI
Education transactions earn nothing (w.e.f. 11 Oct 2025).
icicibank.com · 22 Aug 2026
HSBC Live+
Education: 0% cashback.
hsbc.co.in · 22 Aug 2026
HSBC TravelOne
Education: no reward points.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Education: no cashback.
hsbc.co.in · 22 Aug 2026
HSBC Taj Credit Card
No reward points on education and government-related transactions, including tax payments.
hsbc.co.in · 25 Sep 2026
Scapia (Federal Bank)
Education and school fees earn nothing.
res.cloudinary.com · 22 Aug 2026
IndianOil RBL XTra
Education earns nothing.
webassets.rbl.bank.in · 22 Aug 2026
RBL Play (BookMyShow)
Education excluded.
webassets.rbl.bank.in · 22 Aug 2026
AU LIT
Education earns nothing.
au.bank.in · 22 Aug 2026
YES Bank Marquee
Education earns nothing (Jun 2026).
yes.bank.in · 20 Aug 2026
Uni GoldX
Education earns nothing.
media.bobcard.co.in · 21 Sep 2026
AU Zenith
Education earns nothing.
au.bank.in · 22 Aug 2026
BOBCARD Eterna
Education earns nothing.
media.bobcard.co.in · 22 Aug 2026
Shoprite Credit Card
Education payments earn no reward points.
rbl.bank.in · 25 Sep 2026
Nova Credit Card
Education payments earn no reward points.
rbl.bank.in · 25 Sep 2026
ELITE+
No reward points on education (from 15 Jun 2026).
yes.bank.in · 25 Sep 2026
IRCTC BOBCARD
No reward points on education payments.
media.bobcard.co.in · 25 Sep 2026
Premier
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Select
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Easy
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Snapdeal BOBCARD
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Cashback
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Tiara
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
HPCL Energie
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Prime
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
media.bobcard.co.in · 30 Sep 2026
Paisabazaar Paisaback
Bank's printed exclusion list: EMI, Utility, Fuel, Insurance, Rent, Wallet, Education, Jewellery, Govt services, Hospitals, Toll, Telecom equipment, Railways, Automotive shops. Hospitals, telecom equipment sales and automotive shops don't map cleanly to our category taxonomy and are omitted from the structured list above but are included in this note verbatim from the bank.
federal.bank.in · 1 Oct 2026
CUB CSK RuPay Platinum Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Educational services earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
Eternal Credit Card
Education payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Education payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
SmartGen Credit Card
Education payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
superCard
Education and fuel transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Klick Credit Card
No YES Rewardz points on education spends
yes.bank.in · 2 Oct 2026
Questions
Which credit card is best for Education?
Axis Burgundy Private is the best card for Education. It nets ₹2,598 on a ₹50,000 spend. Pay directly.
Which cards give nothing on Education?
81 of the cards we track earn nothing on Education, including HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Diners Club Privilege, HDFC Millennia, Tata Neu Infinity HDFC and 76 more.
Is a gift voucher better than paying directly for Education?
No voucher route earns more here. Pay directly with Axis Burgundy Private for ₹2,598 on ₹50,000.