Best card for
Best credit card for Emirates (direct)
Which card to use for Emirates (direct) in India - all 187 cards ranked
by what you actually get back on ₹15,000, after caps, exclusions and fees.
Axis Magnus for Burgundy is the best card for Emirates (direct): ₹2,700 on ₹15,000 (18%). Next: ICICI Emeralde Private Metal (₹2,700), HSBC Premier (₹2,700). UPI or debit earns nothing here.
Top cardson ₹15,000
1
Axis Magnus for Burgundy
Book it on Axis Travel Edge · Travel Edge portal 5X · cap 5X on Travel Edge spends up to ₹2,00,000/month, then 35 ERP/₹200
axis.bank.in · 22 Aug 2026
₹2,700
4,500 pts · 18%
2
ICICI Emeralde Private Metal
Book it on ICICI iShop · iShop flights 6X · cap 15,000 pts/month
ishoprewards.com · 16 Oct 2026
₹2,700
2,700 pts · 18%
3
HSBC Premier
Book it on HSBC Travel with Points (Hopper) · Travel with Points (Hopper) 6X flights
hsbc.co.in · 26 Aug 2026
₹2,700
2,700 pts · 18%
4
HDFC Infinia Metal
Book it on HDFC SmartBuy · SmartBuy flights 5X · cap 15,000 accelerated RP/month SHARED across ALL SmartBuy (+15,000/day) - one pool, engine models per-rule
hdfcbank.com · 20 Aug 2026
₹2,500
2,500 pts · 16.67%
5
HDFC Diners Club Black Metal
Book it on HDFC SmartBuy · SmartBuy flights 5X · cap 10,000 accelerated RP/month SHARED across all SmartBuy (+10,000/day)
offers.smartbuy.hdfc.bank.in · 22 Aug 2026
₹2,500
2,500 pts · 16.67%
6
Biz Black Metal Edition Credit Card
Book it on HDFC SmartBuy · SmartBuy flights 5X · cap 10,000 accelerated RP/month SHARED across all SmartBuy (+10,000/day)
offers.smartbuy.hdfc.bank.in · 22 Aug 2026
₹2,500
2,500 pts · 16.67%
7
Gaj
Book it on IDFC FIRST app (Travel & Shop) · 25 pts / Rs 150 on flights via the IDFC FIRST app · cap 15,000 bonus points a month across hotels and flights
idfcfirst.bank.in · 1 Oct 2026
₹2,500
2,500 pts · 16.67%
8
PhonePe SBI SELECT BLACK
Book it on PhonePe app · 10 RP/₹100 on PhonePe app: recharges, utilities, bills, travel (10% value) · cap 1,500 RP/calendar month (non-insurance)
sbicard.com · 22 Aug 2026
₹1,500
1,500 pts · 10%
9
Kotak Solitaire Credit Card
Book it on Kotak Unbox · 10 Air Miles / Rs 100 on flights and hotels via Kotak Unbox · cap 1,00,000 Air Miles per statement cycle
kotak.bank.in · 1 Oct 2026
₹1,500
1,500 pts · 10%
10
Axis Magnus
Book it on Axis Travel Edge · Travel Edge portal 5X · cap 5X on Travel Edge spends up to ₹2,00,000/month (60,000 ERP total incl base; was wrongly 8,000 bonus pts)
axisbank.com · 20 Aug 2026
₹1,350
4,500 pts · 9%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Book it on Kotak Unbox · 10 Air Miles / Rs 100 on flights and hotels via Kotak Unbox · cap 1,00,000 Air Miles per statement cycle
kotak.bank.in · 1 Oct 2026
₹1,500
1,500 pts · 10%
2
Uni GoldX
Book it on Uni Store · 7% flights & hotels via Uni app
uni.cards · 20 Aug 2026
₹1,050
7%
3
IDFC FIRST Wealth
Book it on HSBC Travel with Points (Hopper) · App Travel & Shop: +20% RP on hotels, +10% on flights · cap ~8,000 pts/month
idfcfirst.bank.in · 20 Aug 2026
₹900
6%
Best if you pay directly3
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹1,000
1,000 pts · 6.67%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹956
1,125 pts · 6.38%
3
Nova Credit Card
Pay directly · 12 pts / Rs 200 on flights & hotels
rbl.bank.in · 25 Sep 2026
₹900
900 pts · 6%
Questions
Which credit card is best for Emirates (direct)?
Axis Magnus for Burgundy is the best card for Emirates (direct). It nets ₹2,700 on a ₹15,000 spend. Book it on Axis Travel Edge.
Which cards give nothing on Emirates (direct)?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Emirates (direct)?
Buying a gift voucher first (Axis Magnus for Burgundy, Book it on Axis Travel Edge) nets ₹2,700 on ₹15,000, more than paying directly with FIRST Private (₹1,000).
Is a credit card worth using for Emirates (direct) at all?
Paying by UPI or debit for Emirates (direct) earns nothing; Axis Magnus for Burgundy earns ₹2,700 on ₹15,000 after caps and fees.
1 card has a live offer on Emirates (direct) (discounts, vouchers, buy-one-get-one) on top of what it earns.
See every offer on Emirates (direct)