Best card for
Best credit card for Ola
Which card to use for Ola 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
HDFC Infinia Metal
Buy an Ola Cabs voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹150
150 pts · 15%
2
HDFC Diners Club Black Metal
Buy an Ola Cabs voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹90
90 pts · 9%
3
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹64
75 pts · 6.38%
4
HDFC Regalia Gold
Buy an Ola Cabs voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 RP/month voucher sub-cap (inside the group cap)
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹63
125 pts · 6.25%
5
Amex Platinum Charge
Buy an Ola Cabs voucher on Amex ShopWise first · ShopWise vouchers 5X modeled (Rewards Xcelerator reaches up to 20X on 20+ luxury brands)
shopwise.giftstacc.com · 22 Aug 2026
₹63
125 pts · 6.25%
6
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹60
60 pts · 6%
7
HDFC Diners Club Privilege
Buy an Ola Cabs voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹50
100 pts · 5%
8
SBI Cashback Card
Pay directly · 5% all online spends · cap ₹2,000/cycle
sbicard.com · 20 Aug 2026
₹50
5%
9
Amex Gold Charge
Buy an Ola Cabs voucher on Amex ShopWise first · ShopWise vouchers 5X (continue past 30 Sep 2026 per Amex - rate to re-check)
shopwise.giftstacc.com · 22 Aug 2026
₹50
100 pts · 5%
10
Axis ACE
Pay directly · 4% Swiggy/Zomato/Ola · cap ₹500/statement COMBINED across the 5% GPay-bills and 4% Swiggy/Zomato/Ola buckets (bank worked example credits ₹500, not ₹650)
axisbank.com · 20 Aug 2026
₹40
4%
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 Ola?
HDFC Infinia Metal is the best card for Ola. It nets ₹150 on a ₹1,000 spend. Buy an Ola Cabs voucher on HDFC SmartBuy first.
Which cards give nothing on Ola?
10 of the cards we track earn nothing on Ola, 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 Ola?
Buying a gift voucher first (HDFC Infinia Metal, Buy an Ola Cabs voucher on HDFC SmartBuy first) nets ₹150 on ₹1,000, more than paying directly with Axis Burgundy Private (₹64).