HSBCVisa
HSBC Live+
Net savings₹16,668/yr
Savings rate4.7%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl
✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹14,400 a…
Best for · Everyday · updated 2026-09-19
Best credit cards for Uber, Ola and daily commute
Every card scored in rupees for this use, not a hand-picked list. Numbers assume the profile stated below – set up yours to re-rank for your spend.
Best credit card for cabs and commute (Sept 2026): HSBC Live+ – about 1.3% back on ₹5,000/month of cabs and commute, ₹16,668 net a year after fee. Runners-up: Membership Rewards (MRCC) and Myntra Kotak. Ranked for ₹5,000 a month on cabs and metro, mostly Uber and Ola.
Standard profile
Scored for Cabs and commute profile · ₹36k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 for cabs and commute
American ExpressAmerican Express
Membership Rewards (MRCC)
Net savings₹15,072/yr
Savings rate4.2%
Annual feeWaived ₹5,310
Lounge✈ none
✓ Base rate 1% on other spends earns you about ₹2,712 a year on ₹2,71,200 of spend.
Kotak Mahindra Bank× MyntraMastercard
Myntra Kotak
Net savings₹7,350/yr
Savings rate2.1%
Annual feeWaived ₹590
Lounge✈4 dom
✓ Base rate 1.25% on other spends earns you about ₹3,390 a year on ₹2,71,200 of spend.
All 119 cards ranked for cabs and commute
| # | Card | Score | Net savings / yr | On cabs and commute / yr | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | HSBC Live+HSBC | 100/100 | ₹16,668 4.7% rate | ₹792 1.3% back | Waived | 2 domestic + 1 international/yr |
| 2 | Membership Rewards (MRCC)American Express | 73/100 | ₹15,072 4.2% rate | ₹528 0.9% back | Waived | No lounge access |
| 3 | Myntra KotakKotak Mahindra Bank | 68/100 | ₹7,350 2.1% rate | ₹660 1.1% back | Waived | 4 domestic/yr |
| 4 |  ACEAxis Bank × Google Pay | 67/100 | ₹6,804 1.9% rate | ₹1,476 2.5% back | Waived | 4 domestic/yr |
| 5 |  CASHBACK SBI CardSBI Card | 61/100 | ₹9,456 2.7% rate | ₹2,208 3.7% back | Waived | No lounge access |
| 6 |  FIRST Power+IDFC FIRST Bank × HPCL | 61/100 | ₹8,223 1.9% rate | ₹450 0.8% back | Waived | 4 domestic/yr |
| 7 |  BOBCARD ETERNABank of Baroda | 60/100 | ₹6,498 1.8% rate | ₹396 0.7% back | Waived | 4 domestic/yr |
| 8 |  LITAU Small Finance Bank | 58/100 | ₹6,510 1.8% rate | ₹132 0.2% back | Free for life | 4 domestic/yr |
| 9 |  EaseMyTrip Standard CharteredStandard Chartered | 58/100 | ₹6,336 1.8% rate | ₹264 0.4% back | Waived | 4 domestic/yr |
| 10 |  Tata Neu Infinity HDFC BankHDFC Bank | 57/100 | ₹6,264 1.5% rate | ₹900 1.5% back | Waived | 8 domestic + 4 international/yr |
| 11 |  PrivilegeAxis Bank | 57/100 | ₹5,572 1.6% rate | ₹528 0.9% back | Waived | 8 domestic/yr |
| 12 |  BPCL SBI Card OCTANESBI Card | 56/100 | ₹5,124 1.4% rate | ₹132 0.2% back | Waived | 4 domestic/yr |
| 13 |  Flipkart Axis BankAxis Bank | 56/100 | ₹3,702 1.0% rate | ₹1,158 1.9% back | Waived | 4 domestic/yr |
| 14 |  HPCL BOBCARD ENERGIEBank of Baroda | 55/100 | ₹4,740 1.3% rate | ₹264 0.4% back | Waived | 4 domestic/yr |
| 15 |  Infinia MetalHDFC Bank | 54/100 | ₹5,268 1.5% rate | ₹1,494 2.5% back | You pay ₹14,750 | unlimited domestic + unlimited international/yr |
| 16 |  Emeralde Private MetalICICI Bank | 54/100 | ₹5,001 1.4% rate | ₹1,346 2.2% back | You pay ₹14,749 | unlimited domestic + unlimited international/yr |
| 17 |  Zen SignatureKotak Mahindra Bank | 54/100 | ₹4,577 1.3% rate | ₹174 0.3% back | Waived | 8 domestic/yr |
| 18 |  HPCL Super Saver ICICI BankICICI Bank | 54/100 | ₹4,485 1.3% rate | ₹264 0.4% back | Waived | 4 domestic/yr |
| 19 |  IndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank | 53/100 | ₹4,704 1.3% rate | ₹528 0.9% back | Waived | 8 domestic/yr |
| 20 |  RegaliaHDFC Bank | 53/100 | ₹4,605 1.3% rate | ₹702 1.2% back | Waived | 12 domestic + 6 international/yr |
| 21 |  Diners Club PrivilegeHDFC Bank | 53/100 | ₹4,605 1.3% rate | ₹702 1.2% back | Waived | 8 domestic/yr |
| 22 |  BOBCARD TIARABank of Baroda | 53/100 | ₹4,338 1.2% rate | ₹396 0.7% back | Waived | 4 domestic/yr |
| 23 |  Paisabazaar PaisaSaveYes Bank | 52/100 | ₹7,938 1.8% rate | ₹1,530 2.5% back | Waived | No lounge access |
| 24 |  Tata Neu Plus HDFC BankHDFC Bank | 52/100 | ₹4,296 1.0% rate | ₹600 1.0% back | Waived | 4 domestic/yr |
| 25 |  Platinum TravelAmerican Express | 51/100 | ₹4,672 1.3% rate | ₹528 0.9% back | You pay ₹5,900 | 8 domestic/yr |
Showing the top 25 of 119. Browse every card →
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Profile: for ₹5,000 a month on cabs and metro, mostly Uber and Ola. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Related
Frequently asked questions
Which credit card is best for cabs and commute in India in Sept 2026?
HSBC Live+ ranks first for cabs and commute on CardLens: about 1.3% back on ₹5,000/month of cabs and commute, ₹16,668 net a year after fee. American Express Membership Rewards (MRCC) is second. The ranking is for a stated spend profile and changes with yours.
How does CardLens rank cards for cabs and commute?
We take the standard Indian cardholder profile, change it to reflect this use (for ₹5,000 a month on cabs and metro, mostly Uber and Ola), and score every card with the same open engine used everywhere on the site: rewards at realistic point value + milestones + waivers − renewal fee incl. 18% GST − forex markup, then a 0–100 score that also counts usable lounge access, redemption flexibility, lifestyle fit, simplicity and fee safety. Nothing is hand-picked and no issuer pays for placement.
Will my own answer be different?
Probably. Caps, fee-waiver thresholds and milestones all depend on how much you spend and where. Set up your profile in Find My Card and every page on CardLens re-scores for you.