Best Credit Cards for Offline Transactions in India – Maximize Rewards & Cashback

For offline transactions, especially those involving POS machines or tap-and-pay methods, selecting the right credit card can help you maximize your rewards. Below is a curated list of some of the best credit cards available in India that offer excellent rewards on offline spends.

1. Cashback Credit Cards

If you prefer direct cashback on your offline transactions, these cards offer great value:

Amazon Pay ICICI Credit Card

• Fee: Lifetime Free

• Reward Type: Cashback

• Reward: 1% Cashback

• Capping on Reward: No Capping

Axis ACE Credit Card

• Fee: 1st year free, then Rs. 499 + Tax

• Reward Type: Cashback

• Reward: 1.5% Cashback

• Capping on Reward: No Capping

Kotak Myntra Credit Card

• Fee: Rs. 499 + Tax

• Reward Type: Cashback

• Reward: 1.25% Cashback

• Capping on Reward: No Capping

2. Reward Points Credit Cards

These cards allow you to earn reward points on offline transactions, which can later be redeemed for various benefits.

Scepia Credit Card

• Fee: Lifetime Free

• Reward Type: Reward Points

• Reward: 2%

• Capping on Reward: No Capping

Yes Marquee Credit Card

• Fee: Rs. 9999 + Tax

• Reward Type: Reward Points

• Reward: 18 points per Rs. 200 (~2.25%)

• Capping on Reward: No Capping

HDFC Infinia Metal Credit Card

• Fee: Rs. 12,500 + Tax

• Reward Type: Reward Points/Airmiles

• Reward: 3.33%

• Capping on Reward: Maximum 2,00,000 reward points per statement

HDFC Diners Club Black Metal Credit Card

• Fee: Rs. 10,000 + Tax

• Reward Type: Reward Points/Airmiles

• Reward: 3.33%

• Capping on Reward: Maximum 75,000 reward points per statement

ICICI Emeralde Private Metal Credit Card

• Fee: Rs. 12,499 + Tax

• Reward Type: Reward Points

• Reward: 3%

• Capping on Reward: No Capping

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3. Airmiles & Travel-Oriented Cards

For those who frequently travel, these cards provide excellent rewards in the form of air miles.

Axis Atlas Credit Card

• Fee: Rs. 5000 + Tax

• Reward Type: Airmiles

• Reward: 2% Airmiles on all offline spends. With point transfers, the reward rate can reach 4%.

• Capping on Reward: No Capping

Amex Platinum Travel Credit Card

• Fee: Rs. 3500 + Tax (Joining), Rs. 5000 + Tax (Renewal)

• Reward Type: Reward Points/Airmiles

• Reward: Up to 12% MR/MB Points (2% base). 6% Airmiles in bonus on spending Rs. 4 Lakhs annually. Includes a Taj voucher worth Rs. 10,000.

• Capping on Reward: No capping on base points

Axis Reserve Credit Card

• Fee: Rs. 50,000 + Tax

• Reward Type: Reward Points/Airmiles

• Reward: 1.5% (Domestic) to 3% (International) Airmiles for all offline spends (excluding exclusions)

• Capping on Reward: No Capping

Axis Burgundy Magnus Credit Card

• Fee: Rs. 30,000 + Tax

• Reward Type: Reward Points/Airmiles

• Reward: 1.2% to 4.8% (Airmiles)

  • Base Reward Rate: 1.2% to 2.4% (12 eDGE Reward points/200 on spends up to Rs. 1.50 Lakhs and 35/200 on incremental spends above Rs. 1.50 lakhs in a calendar month)

  • Additional Benefit: Earn 2 partner miles for every 5 EDGE Reward Points across 20 travel partners, effectively doubling your reward rate from 1.2% to 2.4% and 2.4% to 4.8%.

• Capping on Reward: No Capping

Burgundy Private Credit Card

• Fee: Rs. 50,000 + Tax (Nil for Burgundy Private Acc.)

• Reward Type: Reward Points/Airmiles

• Reward:

  • Base: 1.5% (15 Reward points for every Rs. 200 spent, 1 point = 0.20 Rs)

  • Airmiles Conversion: Redeem rewards against partner miles/points in the ratio of 5:4, making the reward rate up to 6% Airmiles.

• Capping on Reward: No Capping

4. Special Benefit Cards

For those shopping with Tata brands or within the HDFC ecosystem, these cards offer unique perks:

HDFC Neu Infinity Credit Card

• Fee: Rs. 1499 + Tax

• Reward Type: Neu Coins

• Reward:

  • 1.5% on all offline spends

  • 5% on Tata brand offline spends

• Capping on Reward: No Cappin

Comparison of Credit Cards for Offline Transactions

Conclusion

Depending on your spending habits, different cards offer unique benefits. If you prefer cashback, the Amazon Pay ICICI and Axis ACE cards are solid choices. For travel rewards, the Axis Atlas, HDFC Infinia, and Burgundy Private Credit Card provide great airmiles conversion rates. For luxury benefits, the Axis Reserve and HDFC Diners Club Black stand out. Choose the card that aligns best with your offline spending needs.