Best credit card by category

Updated 30 September 2026

Each category page carries the ranked answer, the numbers behind that category, and the specific mistake it causes. Rates differ by merchant inside a category, so the merchant pages carry the detail.

food deliveryFood delivery has the tightest economics of any category.travelTravel carries some of the largest caps in the database, with a top quarter capping at Rs 10,000 or more and a median of Rs 1,500.clothing and fashionApparel is a category where caps are almost absent, at 10%, and minimums are almost universal, at 68% with a median of Rs 5,000.online shoppingOnline shopping has generous caps by the standards of everyday categories, and the widest spread of any of them.tax filing servicesThe filing services here are Cleartax, Cleartax.in, CompuTax, Finac by AKSSAI, Quicko, TaxBuddy and TaxManager.diningDining caps are small, and a share of them reset with the bill rather than with the month.railwaysRailways looks like a real category and pays like a rounding error.groceriesGroceries carry some of the smallest caps in the database.hotelsHotels carry one of the highest median caps in the database at Rs 6,250, which reflects the size of the transactions rather than the generosity of the offers.movie ticketsMovie offers are small, monthly and predictable.fuelFuel is the most tightly capped category in the database.flightsFlights are among the more consistently capped categories: 40% of offers publish a cap, the median is Rs 3,000, and 12 of them reset monthly.streaming subscriptionsStreaming behaves unlike every other category.rentRent is the category where the honest answer is no.

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Offer counts are the number of distinct live offers on each page, rebuilt nightly. Last rebuilt 30 September 2026.

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