BILLS AND RECHARGES · RATES CHECKED 22 OCT 2026
Best credit card for Airtel Thanks
Airtel Axis earns the most on Airtel Thanks: 25% back. Next: HSBC Live+ (10%) and IndianOil HDFC (4.8%).
★ Earns the most for you
Airtel Axis
₹525 a month
25% back · no minimum order · a limit applies (see terms)
Bank isn’t taking new applicationsOn 3 Airtel Thanks orders of ₹700 a month.
Every card, by what it’d earn you
- Airtel Axis25% back · no minimum order · a limit applies (see terms)₹525a month
HSBC Live+10% back · no minimum order · up to ₹1,200 a month₹210a month
IndianOil HDFC4.8% back · orders of ₹150+ · up to ₹96 a month₹96a month
HDFC Diners Black3.33% back · no minimum order · up to ₹2,000 a month₹70a month
HDFC Infinia3.33% back · no minimum order · up to ₹2,000 a month₹70a month
Smart StanChart2% back · no minimum order · up to ₹1,000 a month₹42a month
Ultimate StanChart2% back · no minimum order₹42a month
Tata Neu Infinity1.5% back · no minimum order · up to ₹2,000 a month₹32a month
SBI SimplyCLICK1.25% back · no minimum order · up to ₹2,500 a month₹26a month
HDFC Regalia Gold1.25% back · orders of ₹200+ · up to ₹1,000 a month₹26a month
HDFC Millennia1% back · no minimum order · up to ₹1,000 a month₹21a month
MakeMyTrip ICICI1% back · no minimum order₹21a month
Tata Neu Plus1% back · no minimum order · up to ₹2,000 a month₹21a month
Flipkart SBI1% back · orders of ₹100+₹21a month
Swiggy BLCK HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹21a month
Swiggy Ornge HDFC1% back · orders of ₹100+ · up to ₹1,000 a month₹21a month
Swiggy HDFC1% back · orders of ₹100+ · up to ₹500 a monthNo new applications₹21a month
IRCTC SBI0.8% back · no minimum order₹17a month
Eterna BOBCARD0.75% back · orders of ₹100+₹16a month
Rewards Amex0.67% back · no minimum orderNo new applications₹14a month
Reliance SBI Prime0.5% back · no minimum order₹10a month
SBI Elite0.5% back · no minimum order₹10a month
SBI Prime0.5% back · no minimum order₹10a month
SmartEarn Amex0.5% back · no minimum orderNo new applications₹10a month
BPCL Octane SBI0.25% back · no minimum order₹5a month
ICICI Coral0.25% back · no minimum order · up to ₹100 a month₹5a month
HDFC MoneyBack+0.2% back · orders of ₹200+ · up to ₹400 a month₹4a month
SBI SimplySAVE0.17% back · no minimum order₹4a month
IDFC FIRST Millennia0.12% back · no minimum order₹3a month
IDFC FIRST Select0.12% back · no minimum order₹3a month
IDFC FIRST Wealth0.12% back · no minimum order₹3a month
HDFC Freedom0.07% back · orders of ₹200+ · up to ₹300 a month₹1a month
Amounts count each card’s minimum order and monthly limit. Some limits are shared with the card’s other apps, so you may earn less if you also use it elsewhere. Points are valued the way the bank shows first.
Where these numbers come from
- Airtel Axis: Bank’s own terms: Airtel Axis Bank Credit Card: cashback and value back terms from 12 April 2026, checked 22 Oct 2026
- HSBC Live+: Bank’s own terms: HSBC Live+ services guide: MCC table, utilities, checked 22 Oct 2026
- IndianOil HDFC: Bank’s own terms: IndianOil HDFC card terms and conditions: rates, caps and merchant codes (HDFC Bank PDF), checked 22 Oct 2026
- HDFC Diners Black: Bank’s own terms: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the utility and telecom caps, checked 21 Oct 2026
- HDFC Infinia: Bank’s own terms: Infinia reward points terms (HDFC Bank PDF, newest clause 1 July 2026; read 22 Oct 2026): the utility and telecom caps, checked 22 Oct 2026
- Smart StanChart: Bank’s own terms: Smart Credit Card: Important Information Document (version March 2026), terms box, checked 22 Oct 2026
- Ultimate StanChart: Cardholder reports: Ultimate Credit Card terms and conditions, section 3 (transaction-wise reward points), checked 22 Oct 2026
- Tata Neu Infinity: Cardholder reports: Tata Neu Infinity HDFC Bank Credit Card FAQ (updated 7 Jan 2026): monthly caps, checked 22 Oct 2026
- SBI SimplyCLICK: Bank’s own terms: SimplyCLICK SBI Card reward point terms (March 2026), checked 22 Oct 2026
- HDFC Regalia Gold: Bank’s own terms: HDFC Bank credit card MITC (updated 17 Oct 2026, version 4.15): the utility and telecom caps, which Regalia Gold is not exempted from, checked 22 Oct 2026
Checked 22 Oct 2026. How we check rates.
Questions people ask
Which credit card gives the most rewards on Airtel Thanks?
Airtel Axis earns the most on Airtel Thanks: 25% back. Next come HSBC Live+ (10% back) and IndianOil HDFC (4.8% as Fuel Points on orders of ₹150+).
Is there a Airtel Thanks credit card, and is it the best for Airtel Thanks?
Yes. Airtel Axis: 25% back. Non-Airtel Thanks cards can match or beat them: HSBC Live+ and IndianOil HDFC are also in the top three.
Do I get the same rewards on Airtel Thanks if I pay by UPI?
Not always. IndianOil HDFC and Tata Neu Infinity earn less when the payment goes through UPI (including a RuPay card on UPI). To get the rates above, pay with the card itself in the Airtel Thanks checkout.
Is there a limit on rewards for Airtel Thanks orders?
Yes, most cards cap the higher rate. HSBC Live+: Up to ₹1,200 per statement cycle (one limit shared with the card's other apps at this rate); IndianOil HDFC: Up to ₹96 per calendar month. Above the limit the card earns its lower base rate.
How up to date are these rates?
Each rate was checked against the bank’s own terms (or, where marked, cardholder reports) on 22 Oct 2026. Banks change their terms several times a year, so check the bank’s page before you apply. How we check rates.
Best card for other apps
Rewards are as per each bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t paid by any bank for these rankings. Always check the bank’s page before applying.