15 India cards tracked, terms last checked 2026-09-30. Search a merchant, or pick the merchant category code (MCC) you're paying under, to see which card earns the most.
Type a shop, app or brand in India. We find its MCC and the card that earns the most there, including merchant-specific bonuses.
Every page then tells you which of your cards to use. Saved in this browser only.
Enter roughly what you spend each month. Miles use your mile value.
| MCC | Best miles | Best cashback | Cards excluding it |
|---|---|---|---|
| 4900 Utilities – Electric, Gas, Water, and Sanitary | — | AU Altura Credit Card 2% cashback | 5 |