Best card for
Best credit card for Spencer's
Which card to use for Spencer's in India - all 187 cards ranked
by what you actually get back on ₹5,000, after caps, exclusions and fees.
HDFC Infinia Metal is the best card for Spencer's: ₹825 on ₹5,000 (16.5%). Next: HSBC Live+ (₹500), HDFC Diners Club Black Metal (₹495). 9 of 187 cards earn nothing here, mostly BOBCARD; UPI or debit earns nothing.
Top cardson ₹5,000
1
HDFC Infinia Metal
Buy a Spencer's voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹825
825 pts · 16.5%
2
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹500
10%
3
HDFC Diners Club Black Metal
Buy a Spencer's voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹495
495 pts · 9.9%
4
Biz Black Metal Edition Credit Card
Buy a Spencer's voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹495
495 pts · 9.9%
5
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹400
8%
6
Paisabazaar Paisaback
Swipe / tap at the terminal · 7.5% on grocery (MCC 5411) · cap Rs 1,000 a month across all spends
federal.bank.in · 1 Oct 2026
₹375
7.5%
7
FIRST Private
Swipe / tap at the terminal
idfcfirstbank.com · 25 Sep 2026
₹330
330 pts · 6.6%
8
Axis Burgundy Private
Swipe / tap at the terminal
axis.bank.in · 21 Aug 2026
₹319
375 pts · 6.38%
9
HDFC Regalia Gold
Buy a Spencer's 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
₹313
625 pts · 6.25%
10
Biz Power Credit Card
Buy a Spencer's 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
₹313
625 pts · 6.25%
Best with no annual fee3
1
AU LIT
Swipe / tap at the terminal · 5% cashback on grocery (paid feature, ₹299/90 days) · cap ₹500 cashback per 30-day feature cycle
au.bank.in · 20 Aug 2026
₹250
5%
2
Kotak Solitaire Credit Card
Swipe / tap at the terminal
kotak.bank.in · 30 Sep 2026
₹150
150 pts · 3%
3
IndusInd Tiger
Swipe / tap at the terminal · 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%
Best if you pay directly3
1
HSBC Live+
Swipe / tap at the terminal · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹500
10%
2
HSBC RuPay Cashback
Swipe / tap at the terminal · 10% dining / food delivery / groceries · cap ₹400/month TOTAL cashback across BOTH the 10% and 1% tiers (bank caps combined; engine models per-rule - true ceiling is ₹400 all-in)
hsbc.co.in · 20 Aug 2026
₹400
8%
3
Paisabazaar Paisaback
Swipe / tap at the terminal · 7.5% on grocery (MCC 5411) · cap Rs 1,000 a month across all spends
federal.bank.in · 1 Oct 2026
₹375
7.5%
Cards that earn nothing here9
BOBCARD (Bank of Baroda) 9 cards
BOBCARD Eterna
UNUSUAL: supermarket/convenience/variety retail MCCs are on the exclusion annexure - grocery earns nothing on BOBCARD.
media.bobcard.co.in · 22 Aug 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
Questions
Which credit card is best for Spencer's?
HDFC Infinia Metal is the best card for Spencer's. It nets ₹825 on a ₹5,000 spend. Buy a Spencer's voucher on HDFC SmartBuy first.
Which cards give nothing on Spencer's?
9 of the cards we track earn nothing on Spencer's, including BOBCARD Eterna, Premier, Select, Easy, Snapdeal BOBCARD and 4 more.
Is a gift voucher better than paying directly for Spencer's?
Buying a gift voucher first (HDFC Infinia Metal, Buy a Spencer's voucher on HDFC SmartBuy first) nets ₹825 on ₹5,000, more than paying directly with HSBC Live+ (₹500).
Is a credit card worth using for Spencer's at all?
Paying by UPI or debit for Spencer's earns nothing; HDFC Infinia Metal earns ₹825 on ₹5,000 after caps and fees.
1 card has a live offer on Spencer's (discounts, vouchers, buy-one-get-one) on top of what it earns.
See every offer on Spencer's