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Best Credit Card for Rent Payment in India (2026)
Quick answer:
Axis ACE Credit Card gives you up to 5% back on monthly rent payments via credit card — the highest of any card we track. SBM OneCard Credit Card is the best free alternative.
Top 10 Cards for Rent Payment
Axis ACE Credit Card
AxisUp to 5% on bill payments
DBS Spark20 Credit Card
DBSUp to 20% on rewards category
Chennai Super Kings ICICI Bank Credit Card
ICICIUp to 10% on rewards category
HSBC Cashback Credit Card
HSBCUp to 10% on cashback category
SimplyCLICK Advantage SBI Card
SBIUp to 10% on cashback category
SBM OneCard Credit Card
SBM BankUp to 10% on rewards category
YES BANK POP-CLUB Credit Card
YES BankUp to 10% on rewards category
OneCard Metal Credit Card
OneCardUp to 10% on rewards category
Titan SBI Credit Card
SBIUp to 7.5% on cashback category
Uni Card
UniUp to 7% on rewards category
How We Ranked These
We ranked all 239 credit cards in our database against Rent Payment using three tiers of relevance:
- Direct match — cards specifically designed for or partnered with Rent Payment (co-branded cards, direct accelerated rewards)
- Category match — cards that earn accelerated rewards on the spending category that Rent Payment falls under
- Broad match — cards that earn elevated rewards on related or overlapping categories
Within each tier, cards are sorted by effective reward rate (highest first), then by CardTrail Score as a tiebreaker. Every number on this page comes from our database — nothing is fabricated.
Tips to Maximise Rewards on Rent Payment
Platforms like CRED Rent Pay and NoBroker charge 1-2% convenience fee — your card rewards must exceed this to be profitable
Rent payments code under the payment platform's MCC, not 'Rent'
High-reward-rate cards (2%+) are the only ones where rent payment via credit card makes sense
Free vs Paid: Is the Annual Fee Worth It?
Best Free Card
SBM OneCard Credit CardSBM Bank · ₹0 annual fee
Up to 10% on monthly rent payments via credit card
Score: 7.8/10
Best Overall
Axis ACE Credit CardAxis · ₹499 annual fee
Up to 5% on monthly rent payments via credit card
Score: 8.1/10
Cards to Avoid for Rent Payment
These are popular, well-rated cards that earn only their base reward rate on monthly rent payments via credit card. If you carry one of these, use a different card for Rent Payment purchases.
IDFC FIRST · Score: 9/10 — but only 0.5% on monthly rent payments via credit card
American Express · Score: 8.7/10 — but only 1.25% on monthly rent payments via credit card
IndusInd · Score: 8.7/10 — but only 1.2% on monthly rent payments via credit card
HDFC · Score: 8.7/10 — but only 1% on monthly rent payments via credit card
IDFC FIRST · Score: 8.7/10 — but only 0.75% on monthly rent payments via credit card
These are great cards for other spending categories — just not for monthly rent payments via credit card. Use the top-ranked card above instead.
Related: Best Cards for Similar Spending
Frequently Asked Questions
Which credit card gives the highest cashback on Rent Payment?
Is there a no-annual-fee credit card good for Rent Payment?
How do credit card rewards work on Rent Payment?
Which popular credit cards should I avoid using for Rent Payment?
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