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Best Credit Card for Spotify in India (2026)
Quick answer:
EazyDiner IndusInd Bank Credit Card gives you up to 10% back on Spotify music subscription — the highest of any card we track. IndusInd Tiger Credit Card is the best free alternative.
Top 10 Cards for Spotify
EazyDiner IndusInd Bank Credit Card
IndusIndUp to 10% on entertainment
IndusInd Tiger Credit Card
IndusIndUp to 7.2% on entertainment
SBI Card PRIME
SBIUp to 5% on entertainment
SBI Card ELITE
SBIUp to 5% on entertainment
Axis MY Zone Credit Card
AxisUp to 4% on entertainment
Kotak PVR Platinum Credit Card
KotakUp to 3% on entertainment
RBL Movies and More Credit Card
RBLUp to 3% on entertainment
BOI RuPay Select Credit Card
Bank of IndiaUp to 2% on entertainment
Axis Citi Rewards Credit Card
Axis (formerly Citi)Up to 10% on online shopping category
HSBC Cashback Credit Card
HSBCUp to 10% on online shopping category
How We Ranked These
We ranked all 239 credit cards in our database against Spotify using three tiers of relevance:
- Direct match — cards specifically designed for or partnered with Spotify (co-branded cards, direct accelerated rewards)
- Category match — cards that earn accelerated rewards on the spending category that Spotify 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 Spotify
Spotify's low monthly cost means reward value is small — but it adds up over years
Annual plan gives a lump payment that's easier to track rewards on
Spotify may code as 'Digital Services' (international merchant) — forex markup could apply
Free vs Paid: Is the Annual Fee Worth It?
Best Free Card
IndusInd Tiger Credit CardIndusInd · ₹0 annual fee
Up to 7.2% on Spotify music subscription
Score: 8.7/10
Best Overall
EazyDiner IndusInd Bank Credit CardIndusInd · ₹2,999 annual fee
Up to 10% on Spotify music subscription
Score: 8.2/10
At a monthly spend of ₹10,000 on Spotify music subscription, the paid card earns ₹12.0K/year vs ₹8.6K/year for the free card — a difference of ₹3.4K. The paid card's extra rewards exceed its annual fee at this spend level.
Cards to Avoid for Spotify
These are popular, well-rated cards that earn only their base reward rate on Spotify music subscription. If you carry one of these, use a different card for Spotify purchases.
IDFC FIRST · Score: 9/10 — but only 0.5% on Spotify music subscription
American Express · Score: 8.7/10 — but only 1.25% on Spotify music subscription
HDFC · Score: 8.7/10 — but only 1% on Spotify music subscription
IDFC FIRST · Score: 8.7/10 — but only 0.75% on Spotify music subscription
IDFC FIRST · Score: 8.7/10 — but only 0.75% on Spotify music subscription
These are great cards for other spending categories — just not for Spotify music subscription. Use the top-ranked card above instead.
Related: Best Cards for Similar Spending
Frequently Asked Questions
Which credit card gives the highest cashback on Spotify?
Is there a no-annual-fee credit card good for Spotify?
How do credit card rewards work on Spotify?
Which popular credit cards should I avoid using for Spotify?
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