Best card for
Best credit card for William Penn
Which card to use for William Penn in India - all 187 cards ranked
by what you actually get back on ₹10,000, after caps, exclusions and fees.
HDFC Infinia Metal is the best card for William Penn: ₹1,650 on ₹10,000 (16.5%). Next: HSBC Live+ (₹1,000), HDFC Diners Club Black Metal (₹990). UPI or debit earns nothing here.
Top cardson ₹10,000
1
HDFC Infinia Metal
Buy a William Penn voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹1,650
1,650 pts · 16.5%
2
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹1,000
10%
3
HDFC Diners Club Black Metal
Buy a William Penn voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹990
990 pts · 9.9%
4
Biz Black Metal Edition Credit Card
Buy a William Penn voucher on HDFC SmartBuy first · SmartBuy gift vouchers 3X · cap ~3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹990
990 pts · 9.9%
5
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
6
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
7
HDFC Regalia Gold
Buy a William Penn 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
₹625
1,250 pts · 6.25%
8
Biz Power Credit Card
Buy a William Penn 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
₹625
1,250 pts · 6.25%
9
Amex Platinum Charge
Buy a William Penn voucher on Amex ShopWise first · ShopWise vouchers 5X modeled (Rewards Xcelerator reaches up to 20X on 20+ luxury brands)
shopwise.giftstacc.com · 16 Oct 2026
₹625
1,250 pts · 6.25%
10
HDFC Diners Club Privilege
Buy a William Penn voucher on HDFC SmartBuy first · SmartBuy gift vouchers 5X · cap 3,000 pts/month
offers.smartbuy.hdfc.bank.in · 24 Sep 2026
₹500
1,000 pts · 5%
Best with no annual fee3
1
Kotak Solitaire Credit Card
Pay directly
kotak.bank.in · 30 Sep 2026
₹300
300 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
₹240
600 pts · 2.4%
3
Scapia (Federal Bank)
Pay directly
federal.bank.in · 20 Aug 2026
₹200
1,000 pts · 2%
Best if you pay directly3
1
HSBC Live+
Pay directly · 10% dining / food delivery / groceries / shopping / utilities · cap ₹1,200/month
hsbc.co.in · 27 Sep 2026
₹1,000
10%
2
FIRST Private
Pay directly
idfcfirstbank.com · 25 Sep 2026
₹660
660 pts · 6.6%
3
Axis Burgundy Private
Pay directly
axis.bank.in · 21 Aug 2026
₹638
750 pts · 6.38%
Questions
Which credit card is best for William Penn?
HDFC Infinia Metal is the best card for William Penn. It nets ₹1,650 on a ₹10,000 spend. Buy a William Penn voucher on HDFC SmartBuy first.
Which cards give nothing on William Penn?
None of the cards we track exclude it.
Is a gift voucher better than paying directly for William Penn?
Buying a gift voucher first (HDFC Infinia Metal, Buy a William Penn voucher on HDFC SmartBuy first) nets ₹1,650 on ₹10,000, more than paying directly with HSBC Live+ (₹1,000).
Is a credit card worth using for William Penn at all?
Paying by UPI or debit for William Penn earns nothing; HDFC Infinia Metal earns ₹1,650 on ₹10,000 after caps and fees.
1 card has a live offer on William Penn (discounts, vouchers, buy-one-get-one) on top of what it earns.
See every offer on William Penn