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Best Credit Card for Streaming & OTT Subscriptions in India (2026)

Quick answer:

EazyDiner IndusInd Bank Credit Card gives you up to 10% back on Netflix, Hotstar, Spotify, and other streaming subscriptions — the highest of any card we track. IndusInd Tiger Credit Card is the best free alternative.

Updated April 2026·10 cards compared·No affiliate commissions

Key insight

Average Indian household spends ₹500-1,500/month on streaming. The right card turns this into ₹600-1,800/year in rewards — essentially getting one subscription for free.

Top 10 Cards for Streaming & OTT Subscriptions

1

EazyDiner IndusInd Bank Credit Card

IndusInd

Up to 10% — directly optimised for entertainment

Reward rateUp to 10%
Annual fee₹2,999
Score8.2/10
Co-branded / Direct
2

IndusInd Tiger Credit Card

IndusInd

Up to 7.2% — directly optimised for entertainment

Reward rateUp to 7.2%
Annual feeFREE
Score8.7/10
Co-branded / Direct
3

SBI Card PRIME

SBI

Up to 5% — directly optimised for entertainment

Reward rateUp to 5%
Annual fee₹2,999
Score8.6/10
Co-branded / Direct
4

SBI Card ELITE

SBI

Up to 5% — directly optimised for entertainment

Reward rateUp to 5%
Annual fee₹4,999
Score8.5/10
Co-branded / Direct
5

Axis MY Zone Credit Card

Axis

Up to 4% — directly optimised for entertainment

Reward rateUp to 4%
Annual fee₹500
Score7.9/10
Co-branded / Direct
6

Kotak PVR Platinum Credit Card

Kotak

Up to 3% — directly optimised for entertainment

Reward rateUp to 3%
Annual fee₹999
Score6/10
Co-branded / Direct
7

RBL Movies and More Credit Card

RBL

Up to 3% — directly optimised for entertainment

Reward rateUp to 3%
Annual fee₹1,000
Score6/10
Co-branded / Direct
8

BOI RuPay Select Credit Card

Bank of India

Up to 2% — directly optimised for entertainment

Reward rateUp to 2%
Annual fee₹800
Score7.8/10
Co-branded / Direct
9

Flipkart Axis Bank Super Elite Credit Card

Axis

Up to 16% on online shopping (best on flipkart)

Reward rateUp to 16%
Annual fee₹500
Score8.1/10
10

HDFC Tata Neu Infinity

HDFC

Up to 10% on online shopping (best on tata neu)

Reward rateUp to 10%
Annual fee₹1,499
Score9.1/10

How We Ranked These

We ranked all 239 credit cards in our database against Streaming & OTT Subscriptions using three tiers of relevance:

  1. Direct match — cards specifically designed for or partnered with Streaming & OTT Subscriptions (co-branded cards, direct accelerated rewards)
  2. Category match — cards that earn accelerated rewards on the spending category that Streaming & OTT Subscriptions falls under
  3. 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.

The Math: How Much Can You Actually Earn?

Monthly spendEazyDiner IndusInd Ban…IndusInd Tiger Credit …SBI Card PRIME
₹5.0K/mo₹6.0K/yr₹4.3K/yr₹3.0K/yr
₹15.0K/mo₹18.0K/yr₹13.0K/yr₹9.0K/yr
₹30.0K/mo₹36.0K/yr₹25.9K/yr₹18.0K/yr

Assumes consistent monthly spending at the card's maximum reward rate for the matching category. Actual returns may vary based on reward caps, tier structures, and point redemption value.

Common Pitfalls to Watch For

!

Some streaming services bill from international entities — forex markup may apply

!

Recurring subscriptions are sometimes excluded from accelerated reward categories

!

Annual plans earn rewards on a larger single transaction — often more efficient than monthly

Free vs Paid: Is the Annual Fee Worth It?

Best Free Card

IndusInd Tiger Credit Card

IndusInd · ₹0 annual fee

Up to 7.2% on Netflix, Hotstar, Spotify, and other streaming subscriptions

Score: 8.7/10

Best Overall

EazyDiner IndusInd Bank Credit Card

IndusInd · ₹2,999 annual fee

Up to 10% on Netflix, Hotstar, Spotify, and other streaming subscriptions

Score: 8.2/10

At a monthly spend of ₹10,000 on Netflix, Hotstar, Spotify, and other streaming subscriptions, 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 Streaming & OTT Subscriptions

These are popular, well-rated cards that earn only their base reward rate on Netflix, Hotstar, Spotify, and other streaming subscriptions. If you carry one of these, use a different card for Streaming & OTT Subscriptions purchases.

IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST · Score: 9/10 — but only 0.5% on Netflix, Hotstar, Spotify, and other streaming subscriptions

American Express Platinum Charge Card

American Express · Score: 8.7/10 — but only 1.25% on Netflix, Hotstar, Spotify, and other streaming subscriptions

HDFC Swiggy Credit Card

HDFC · Score: 8.7/10 — but only 1% on Netflix, Hotstar, Spotify, and other streaming subscriptions

IDFC FIRST Select Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on Netflix, Hotstar, Spotify, and other streaming subscriptions

IDFC FIRST Wealth Credit Card

IDFC FIRST · Score: 8.7/10 — but only 0.75% on Netflix, Hotstar, Spotify, and other streaming subscriptions

These are great cards for other spending categories — just not for Netflix, Hotstar, Spotify, and other streaming subscriptions. Use the top-ranked card above instead.

Related: Best Cards for Similar Spending

Best for Netflix Best for Disney+ Hotstar Best for Spotify Best for Amazon Prime Best for YouTube Premium Best for Movies & Entertainment

Frequently Asked Questions

Which credit card gives the highest cashback on Streaming & OTT Subscriptions?
EazyDiner IndusInd Bank Credit Card from IndusInd gives up to 10% back on Netflix, Hotstar, Spotify, and other streaming subscriptions. It has a CardTrail Score of 8.2/10 with an annual fee of ₹2,999.
Is there a no-annual-fee credit card good for Streaming & OTT Subscriptions?
Yes — IndusInd Tiger Credit Card is a free card (₹0 annual fee) that earns up to 7.2% on Netflix, Hotstar, Spotify, and other streaming subscriptions. CardTrail Score: 8.7/10.
How do credit card rewards work on Streaming & OTT Subscriptions?
Credit cards earn rewards based on the Merchant Category Code (MCC) of the transaction. Streaming & OTT Subscriptions transactions are assigned an MCC by the payment network, and cards with accelerated rewards on that MCC earn higher cashback or points.
Which popular credit cards should I avoid using for Streaming & OTT Subscriptions?
Cards like IDFC FIRST Diamond Reserve Credit Card, American Express Platinum Charge Card, HDFC Swiggy Credit Card have high overall scores but earn only their base rate (0.5% or less) on Netflix, Hotstar, Spotify, and other streaming subscriptions. Use a category-matched card instead.

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