Best card for
Best credit card for Vi recharge
Which card to use for Vi recharge 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
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹64
75 pts · 6.38%
2
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹60
60 pts · 6%
3
Axis ACE
Pay the bill through Google Pay · 5% bills via Google Pay · 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
₹50
5%
4
HDFC Infinia Metal
Pay directly · Telecom: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹30
30 pts · 3%
5
HDFC Diners Club Black Metal
Pay directly · Telecom: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹30
30 pts · 3%
6
Biz Black Metal Edition Credit Card
Pay directly
hdfc.bank.in · 2 Oct 2026
₹30
30 pts · 3%
7
ICICI Emeralde Private Metal
Pay directly
icicibank.com · 20 Aug 2026
₹30
30 pts · 3%
8
HSBC Premier
Pay directly
hsbc.co.in · 20 Aug 2026
₹30
30 pts · 3%
9
SC Ultimate
Pay directly
sc.com · 22 Aug 2026
₹30
30 pts · 3%
10
Gaj
Pay directly
idfcfirst.bank.in · 30 Sep 2026
₹30
30 pts · 3%
Best with no annual fee3
1
Pinnacle Credit Card
Pay directly · 2.5 pts / Rs 100 on e-commerce transactions
indusind.bank.in · 30 Sep 2026
₹19
25 pts · 1.88%
2
Fibe Axis Bank Credit Card
Pay directly
axis.bank.in · 2 Oct 2026
₹10
1%
3
Amazon Pay ICICI
Pay directly
icicibank.com · 20 Aug 2026
₹10
1%
Best if you pay directly3
1
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹64
75 pts · 6.38%
2
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹60
60 pts · 6%
3
HDFC Infinia Metal
Pay directly · Telecom: base rate capped 2,000 pts/month · cap 2,000 pts/calendar month
hdfc.bank.in · 22 Aug 2026
₹30
30 pts · 3%
Cards that earn nothing here46
Axis Magnus
Utility & telecom excluded (current category list).
axis.bank.in · 22 Aug 2026
Flipkart Axis Bank
Utility services excluded.
campaign.axis.bank.in · 22 Aug 2026
Axis Atlas
Utilities excluded.
axis.bank.in · 22 Aug 2026
Axis Privilege
Utility & telecom excluded.
axis.bank.in · 22 Aug 2026
Axis Reserve
Utilities excluded from EDGE earn (Sep 2023).
axis.bank.in · 22 Aug 2026
Axis Magnus for Burgundy
Utility & telecom excluded (current category list).
axis.bank.in · 22 Aug 2026
Axis MY Zone
Utility & Telecom, Rent, Wallet, Government spends, Insurance, Gold & Jewellery and Fuel earn no rewards
axis.bank.in · 25 Sep 2026
Axis Select
Insurance, rent, fuel, educational services, utilities & telecom, wallet, gold/jewellery, government services, gift cards and bridge/road/toll fees earn no EDGE REWARD points
axis.bank.in · 25 Sep 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
Axis Bank Neo
No EDGE REWARD points on utilities and telecom, education, insurance, government, wallet loads, rent, fuel, gold and jewellery, or gift cards.
axis.bank.in · 1 Oct 2026
Axis Bank Supermoney RuPay Credit Card
Telecom and purchases converted to EMI earn no cashback.
axis.bank.in · 2 Oct 2026
SBI Cashback Card
Utilities excluded from cashback (bank table puts 9399 under Utility here).
sbicard.com · 22 Aug 2026
PhonePe SBI SELECT BLACK
Utilities & insurance OUTSIDE the PhonePe app earn nothing (MCC-excluded).
sbicard.com · 22 Aug 2026
SBI Card MILES
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Prime
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
SBI Card MILES Elite
Utility transactions earn nothing.
sbicard.com · 21 Sep 2026
Kotak League Platinum
Utility MCCs 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)
Utility MCCs excluded from rewards/milestones. Bank notes the list is not exhaustive - all network MCCs in the category count.
kotak.bank.in · 22 Aug 2026
IndianOil Kotak
Utility MCCs 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
Utilities & telecom earn nothing (bank T&C MCC list).
kotak.bank.in · 21 Aug 2026
Kotak Air
Utilities & telecom earn nothing (bank T&C MCC list).
kotak.bank.in · 21 Aug 2026
Kotak Air+
Utility and telecom spends earn nothing.
kotak.bank.in · 21 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 TravelOne
Utilities: no reward points on TravelOne.
hsbc.co.in · 22 Aug 2026
HSBC RuPay Cashback
Utilities (MCC 4900) excluded per the current page footnote - newer than the Service Guide table that left the cell blank.
hsbc.co.in · 22 Aug 2026
HSBC Taj Credit Card
No reward points on utilities - electric, gas, water and sanitary payments.
hsbc.co.in · 25 Sep 2026
RuPay Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Visa Platinum
No reward points on utilities, tax payments, rent, jewellery, insurance, fuel, money transfers and financial institutions.
hsbc.co.in · 1 Oct 2026
Scapia (Federal Bank)
Utility, telecom and cable earn nothing.
res.cloudinary.com · 22 Aug 2026
IndianOil RBL XTra
Utilities earn no Fuel Points.
webassets.rbl.bank.in · 22 Aug 2026
RBL Play (BookMyShow)
Utilities excluded.
webassets.rbl.bank.in · 22 Aug 2026
AU LIT
Utility & telecom earn base 1 RP/₹100 only, max 100 RP/txn; insurance (6300/5960) also 1 RP. Base earn capped 10,000 RP/cycle.
au.bank.in · 22 Aug 2026
Uni GoldX
Utilities earn nothing.
media.bobcard.co.in · 21 Sep 2026
Shoprite Credit Card
Utility bill payments earn no reward points.
rbl.bank.in · 25 Sep 2026
IRCTC BOBCARD
No reward points on telecom bill payments (MCC 4814).
media.bobcard.co.in · 25 Sep 2026
CUB CSK RuPay Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH RuPay Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master Platinum Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB CSK Master World Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB SRH Master World Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach RuPay Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CUB Kavach Master Credit Card
Utilities and Telecom spends (MCC 4800-4999) earn no Reward Points.
cityunionbank.bank.in · 2 Oct 2026
CSB Bank Edge+ Credit Card
Jewels are not awarded on telecommunications or pay-TV transactions (MCC 4814, 4899).
csb.bank.in · 2 Oct 2026
Edge CSB Bank Credit Card
Jewels are not awarded on telecommunications or pay-TV transactions (MCC 4814, 4899).
csb.bank.in · 2 Oct 2026
Questions
Which credit card is best for Vi recharge?
Axis Burgundy Private is the best card for Vi recharge. It nets ₹64 on a ₹1,000 spend. Pay directly.
Which cards give nothing on Vi recharge?
46 of the cards we track earn nothing on Vi recharge, including Axis Magnus, Flipkart Axis Bank, Axis Atlas, Axis Privilege, Axis Reserve and 41 more.
Is a gift voucher better than paying directly for Vi recharge?
Paying directly with Axis Burgundy Private nets ₹64 on ₹1,000, at least as much as the best voucher route (Axis ACE at ₹50).