Best card for
Best credit card for Urban Company
Which card to use for Urban Company 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
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%
4
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%
5
YES Bank Marquee
Pay directly · 36 pts / ₹200 on online spends (4.5%)
paisabazaar.com · 20 Aug 2026
₹225
900 pts · 4.5%
6
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%
7
HDFC Infinia Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
8
HDFC Diners Club Black Metal
Pay directly
hdfcbank.com · 20 Aug 2026
₹165
165 pts · 3.3%
9
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹165
165 pts · 3.3%
10
SC Ultimate
Pay directly
sc.com · 22 Aug 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
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%
Cards that earn nothing here14
SBI Cashback Card
Rental excluded.
sbicard.com · 22 Aug 2026
Flipkart SBI Card
Rental transactions: 0% cashback.
sbicard.com · 22 Aug 2026
IRCTC SBI Card
Rent excluded (T&C says w.e.f. 15 Apr 2024; bank FAQ says 1 Jul 2023 - bank sources conflict on the date, not the fact).
sbicard.com · 22 Aug 2026
IRCTC SBI Card Premier
Rent payment transactions stopped earning Reward Points w.e.f. 15 Apr 2024.
sbicard.com · 2 Oct 2026
HSBC Live+
Rent and property management: 0% cashback.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Rent and property management: no cashback.
hsbc.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 Urban Company?
FIRST Private is the best card for Urban Company. It nets ₹330 on a ₹5,000 spend. Pay directly.
Which cards give nothing on Urban Company?
14 of the cards we track earn nothing on Urban Company, including SBI Cashback Card, Flipkart SBI Card, IRCTC SBI Card, IRCTC SBI Card Premier, HSBC Live+ and 9 more.
Is a gift voucher better than paying directly for Urban Company?
No voucher route earns more here. Pay directly with FIRST Private for ₹330 on ₹5,000.