Best card for
Best credit card for Metro card recharge
Which card to use for Metro card recharge in India - all 187 cards ranked
by what you actually get back on ₹1,000, after caps, exclusions and fees.
Top cardson ₹1,000
1
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹64
75 pts · 6.38%
2
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹60
60 pts · 6%
3
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹50
5%
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
₹36
60 pts · 3.6%
5
HDFC Infinia Metal
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hdfcbank.com · 20 Aug 2026
₹30
30 pts · 3%
6
HDFC Diners Club Black Metal
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hdfcbank.com · 20 Aug 2026
₹30
30 pts · 3%
7
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹30
30 pts · 3%
8
Fibe Axis Bank Credit Card
Pay directly · 3% cashback on online food delivery, entertainment and local commute · cap ₹1,500/cycle
axis.bank.in · 2 Oct 2026
₹30
3%
9
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
₹30
3%
10
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹30
30 pts · 3%
Best with no annual fee3
1
Fibe Axis Bank Credit Card
Pay directly · 3% cashback on online food delivery, entertainment and local commute · cap ₹1,500/cycle
axis.bank.in · 2 Oct 2026
₹30
3%
2
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹30
30 pts · 3%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹20
100 pts · 2%
Cards that earn nothing here10
Axis Bank Cashback
Transportation & tolls (incl. cabs, MCC 4121) earn NO cashback under any category.
axis.bank.in · 22 Aug 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
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
AU Zenith
Transportation fee-penalized 1% from 14 Jun 2026 (IRCTC exempt); BBPS and quasi-cash excluded.
au.bank.in · 22 Aug 2026
CUB Kavach RuPay Credit Card
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Base rewards exclude low interchange categories: Railways, Fuel, Rent, Government Services, Insurance, Education, contracted services, Agriculture, Transportation & transit and Telecom; transactions under Rs 2,000 at small offline merchants are also excluded.
cityunionbank.bank.in · 2 Oct 2026
Eternal Credit Card
Transport transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Rhodium Credit Card
Transport transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
SmartGen Credit Card
Transport transactions do not earn cashback
utkarsh.bank.in · 4 Oct 2026
superCard
Insurance, post office, transit (transport) and utilities payments do not earn cashback
utkarsh.bank.in · 4 Oct 2026
Questions
Which credit card is best for Metro card recharge?
Axis Burgundy Private is the best card for Metro card recharge. It nets ₹64 on a ₹1,000 spend. Pay directly.
Which cards give nothing on Metro card recharge?
10 of the cards we track earn nothing on Metro card recharge, including Axis Bank Cashback, Axis Horizon, Axis Rewards, AU Zenith, CUB Kavach RuPay Credit Card and 5 more.
Is a gift voucher better than paying directly for Metro card recharge?
No voucher route earns more here. Pay directly with Axis Burgundy Private for ₹64 on ₹1,000.