Best card for
Best credit card for Steam
Which card to use for Steam in India - all 187 cards ranked
by what you actually get back on ₹5,000, after caps, exclusions and fees.
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
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%
4
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹165
165 pts · 3.3%
5
SC Ultimate
Pay directly
sc.com · 22 Aug 2026
₹165
165 pts · 3.3%
6
Gaj
Pay directly
idfcfirst.bank.in · 30 Sep 2026
₹165
165 pts · 3.3%
7
ICICI Emeralde Private Metal
Pay directly
icicibank.com · 20 Aug 2026
₹150
150 pts · 3%
8
HSBC Premier
Pay directly
hsbc.co.in · 20 Aug 2026
₹150
150 pts · 3%
9
Hello Cashback
Pay directly · 3% cashback on online spends up to Rs 10,000 · cap Rs 300 a cycle (3% of the first Rs 10,000 online), within the card Rs 1,500
idfcfirst.bank.in · 30 Sep 2026
₹150
3%
10
Pioneer Private Credit Card
Pay directly
indusind.bank.in · 2 Oct 2026
₹150
150 pts · 3%
Best with no annual fee3
1
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹100
500 pts · 2%
2
Pinnacle Credit Card
Pay directly · 2.5 pts / Rs 100 on e-commerce transactions
indusind.bank.in · 30 Sep 2026
₹94
125 pts · 1.88%
3
RuPay Platinum
Pay directly
hsbc.co.in · 30 Sep 2026
₹59
66 pts · 1.17%
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
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%
Cards that earn nothing here41
HDFC Infinia Metal
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Black Metal
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
HDFC Diners Club Privilege
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
HDFC Millennia
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
Swiggy HDFC Bank
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025, MITC).
hdfc.bank.in · 22 Aug 2026
Tata Neu Infinity HDFC
Online skill-based gaming (MCC 5816) earns nothing w.e.f. 1 Jul 2025 - the one MCC code HDFC prints.
hdfc.bank.in · 22 Aug 2026
HDFC Regalia Gold
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
Tata Neu Plus HDFC
Online skill-based gaming (MCC 5816) earns nothing w.e.f. 1 Jul 2025.
hdfc.bank.in · 22 Aug 2026
HDFC Regalia
Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
hdfc.bank.in · 22 Aug 2026
Marriott Bonvoy HDFC
Online gaming earns nothing.
hdfc.bank.in · 22 Aug 2026
SBI Cashback Card
Digital gaming excluded from Apr 2026.
sbicard.com · 22 Aug 2026
SimplyCLICK SBI Card
Digital gaming excluded w.e.f. 1 Dec 2024.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
Gaming: 0% cashback.
sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Digital gaming earns nothing (bank T&C MCC list).
sbicard.com · 22 Aug 2026
Kotak Zen Signature
Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak 811 #DreamDifferent
Gaming apps, betting and lotteries earn no cashback.
kotak811.bank.in · 28 Sep 2026
Kotak Royale Signature [Discontinued]
Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak League Platinum
Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Urbane Gold (discontinued)
Online skill-based gaming excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
Kotak Air+ Prime
Gaming earns nothing.
kotak.bank.in · 21 Aug 2026
Kotak Air
Gaming earns nothing.
kotak.bank.in · 21 Aug 2026
PVR INOX Kotak
Online gaming earns no tickets.
kotak.com · 22 Aug 2026
Kotak Air+
Online gaming earns nothing.
kotak.bank.in · 21 Sep 2026
Kotak Cashback+ Credit Card
Cashback not applicable on Rent, B2B transaction, Utilities, Insurance, Education and Government, Wallet, Online skill-based gaming, and EMI.
kotak.bank.in · 25 Sep 2026
Kotak Cashback+ Prime Credit Card
Cashback not eligible on following spend categories: Rent, B2B transaction, Utilities, Education and Government, Wallet, Online skill-based gaming, and EMI. (Insurance is NOT in this list for the Prime variant - see notes/gaps: insurance earns base 0.5% cashback up to Rs25,000/cycle per the bank's own page.)
kotak.bank.in · 25 Sep 2026
Kotak UPI RuPay Credit Card
w.e.f. 1 June 2025: Insurance, Government and Online skill-based gaming transaction categories also discontinued from earning reward points.
kotak.bank.in · 25 Sep 2026
Kotak Solitaire Credit Card
No Air Miles on rent, wallet, fuel, utility/telecom, insurance, education, government (except tax payments), digital gaming, and international spends.
kotak.bank.in · 30 Sep 2026
HSBC Live+
Gambling: 0% cashback.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Gambling: no cashback.
hsbc.co.in · 22 Aug 2026
CUB CSK RuPay Platinum Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Gambling transactions earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Lifetime Free)
Gambling transactions earn no SCoins.
cityunionbank.bank.in · 2 Oct 2026
CUB SalarySe Level UP Credit Card (Paid)
Gambling transactions earn no SCoins.
cityunionbank.bank.in · 2 Oct 2026
CSB Bank Edge+ Credit Card
Jewels are not awarded on digital-goods gaming or video-game-arcade transactions (MCC 5816, 7994).
csb.bank.in · 2 Oct 2026
Edge CSB Bank Credit Card
Jewels are not awarded on digital-goods gaming or video-game-arcade transactions (MCC 5816, 7994).
csb.bank.in · 2 Oct 2026
Questions
Which credit card is best for Steam?
FIRST Private is the best card for Steam. It nets ₹330 on a ₹5,000 spend. Pay directly.
Which cards give nothing on Steam?
41 of the cards we track earn nothing on Steam, including HDFC Infinia Metal, HDFC Diners Club Black Metal, HDFC Diners Club Privilege, HDFC Millennia, Swiggy HDFC Bank and 36 more.
Is a gift voucher better than paying directly for Steam?
No voucher route earns more here. Pay directly with FIRST Private for ₹330 on ₹5,000.