Best card for
Best credit card for Microsoft 365 / Copilot
Which card to use for Microsoft 365 / Copilot in India - all 192 cards ranked
by what you actually get back on ₹5,000, after caps, exclusions and fees.
FIRST Private is the best card for Microsoft 365 / Copilot: ₹330 on ₹5,000 (6.6%). Next: Axis Burgundy Private (₹319), SBI Cashback Card (₹250). UPI or debit earns nothing here.
Top cardson ₹5,000
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹319
375 pts · 6.38%
3
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹250
5%
4
PhonePe SBI SELECT BLACK
Pay directly · 5 RP/₹100 on online spends (5% value) · cap 1,000 RP/calendar month
sbicard.com · 22 Aug 2026
₹250
250 pts · 5%
5
Kotak Air+ Prime
Pay directly · 5 AM/₹100 at auto dealers (MCC 5013/5511/5521/5533) · cap 1,500 Air Miles/statement cycle
kotak.com · 22 Aug 2026
₹250
250 pts · 5%
6
YES Bank Marquee
Pay directly · 36 pts / ₹200 on online spends (4.5%)
paisabazaar.com · 20 Aug 2026
₹225
900 pts · 4.5%
7
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
₹180
300 pts · 3.6%
8
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
9
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
10
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹165
165 pts · 3.3%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹150
150 pts · 3%
2
IndusInd Tiger
Pay directly · Up to 6 pts / ₹100 via annual spend slabs · cap 5,000 pts/month
indusind.bank.in · 21 Aug 2026
₹120
300 pts · 2.4%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹100
500 pts · 2%
Best if you pay directly3
1
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
2
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹319
375 pts · 6.38%
3
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹250
5%
Questions
Which credit card is best for Microsoft 365 / Copilot?
FIRST Private is the best card for Microsoft 365 / Copilot. It nets ₹330 on a ₹5,000 spend. Pay directly.
Which cards give nothing on Microsoft 365 / Copilot?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for Microsoft 365 / Copilot?
No voucher route earns more here. Pay directly with FIRST Private for ₹330 on ₹5,000.
Is a credit card worth using for Microsoft 365 / Copilot at all?
Paying by UPI or debit for Microsoft 365 / Copilot earns nothing; FIRST Private earns ₹330 on ₹5,000 after caps and fees.