Best for · Bills · updated 2026-09-19

Best credit cards for paying rent

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 rent payments (Sept 2026): American Express Platinum Travel – no card on CardLens earns rewards on rent (and issuers now add a 1% fee plus the app's 1–2%), so the winner is simply the best card for the rest of the spend – ₹25,752 net a year. Runners-up: HSBC Live+ and Regalia Gold. Ranked for ₹25,000 a month of rent through a rent-payment app on top of the standard profile – every card on CardLens excludes rent from rewards and HDFC, SBI and others now charge a 1% fee, so the ranking shows which card is best for the rest of your spend.

Standard profile
Scored for Rent payments profile · ₹57k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 for rent payments

American Express Platinum Travel credit card
American ExpressAmerican Express

Platinum Travel

90
Net savings₹25,752/yr
Savings rate4.2%
Annual feeYou pay ₹5,900
Lounge✈8 dom

✓ Base rate 1% on other spends earns you about ₹2,292 a year on ₹2,29,200 of spend.

Details
HSBC HSBC Live+ credit card
HSBCVisa

HSBC Live+

79
Net savings₹16,038/yr
Savings rate2.6%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl

✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹14,400 a…

Details
HDFC Bank Regalia Gold credit card
HDFC BankVisa

Regalia Gold

70
Net savings₹14,547/yr
Savings rate2.4%
Annual feeWaived ₹2,950
Lounge✈12 dom🌏6 intl

✓ Base rate 1.33% on other spends earns you about ₹2,474 a year on ₹1,86,000 of spend.

Details

All 119 cards ranked for rent payments

Cards ranked for rent payments
#CardScoreNet savings / yrOn rent payments / yrAnnual feeLounge
1American Express Platinum Travel credit cardPlatinum TravelAmerican Express90/100₹25,752
4.2% rate		nothing – excluded or ₹0You pay ₹5,9008 domestic/yr
2HSBC HSBC Live+ credit cardHSBC Live+HSBC79/100₹16,038
2.6% rate		nothing – excluded or ₹0Waived ₹1,1792 domestic + 1 international/yr
3HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank70/100₹14,547
2.4% rate		nothing – excluded or ₹0Waived ₹2,95012 domestic + 6 international/yr
4HDFC Bank Diners Club Privilege credit cardDiners Club PrivilegeHDFC Bank60/100₹10,047
1.6% rate		nothing – excluded or ₹0Waived ₹2,9508 domestic/yr
5SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card59/100₹9,438
1.5% rate		nothing – excluded or ₹0Waived ₹3,5398 domestic + 4 international/yr
6Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank59/100₹6,825
1.1% rate		nothing – excluded or ₹0Waived ₹5904 domestic/yr
7ICICI Bank Emeralde Private Metal credit cardEmeralde Private MetalICICI Bank58/100₹9,330
1.5% rate		nothing – excluded or ₹0You pay ₹14,749unlimited domestic + unlimited international/yr
8HDFC Bank Regalia credit cardRegaliaHDFC Bank58/100₹9,047
1.5% rate		nothing – excluded or ₹0Waived ₹2,95012 domestic + 6 international/yr
9Axis Bank ACE credit cardACEAxis Bank × Google Pay57/100₹5,544
0.9% rate		nothing – excluded or ₹0Waived ₹5894 domestic/yr
10HDFC Bank Millennia credit cardMillenniaHDFC Bank56/100₹6,732
1.1% rate		nothing – excluded or ₹0Waived ₹1,1808 domestic/yr
11American Express Membership Rewards (MRCC) credit cardMembership Rewards (MRCC)American Express54/100₹14,652
2.4% rate		nothing – excluded or ₹0Waived ₹5,310No lounge access
12SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card54/100₹9,045
1.5% rate		nothing – excluded or ₹0You pay ₹5,8998 domestic/yr
13IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL54/100₹7,908
1.2% rate		nothing – excluded or ₹0Waived ₹5894 domestic/yr
14Axis Bank Rewards credit cardRewardsAxis Bank52/100₹6,233
1.0% rate		nothing – excluded or ₹0Waived ₹1,1804 domestic/yr
15Bank of Baroda BOBCARD ETERNA credit cardBOBCARD ETERNABank of Baroda52/100₹6,183
1.0% rate		nothing – excluded or ₹0Waived ₹2,9494 domestic/yr
16AU Small Finance Bank LIT credit cardLITAU Small Finance Bank51/100₹6,405
1.0% rate		nothing – excluded or ₹0Free for life4 domestic/yr
17HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank51/100₹5,634
0.8% rate		nothing – excluded or ₹0Waived ₹1,7698 domestic + 4 international/yr
18Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank51/100₹2,652
0.4% rate		nothing – excluded or ₹0Waived ₹5904 domestic/yr
19Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered50/100₹6,126
1.0% rate		nothing – excluded or ₹0Waived ₹4134 domestic/yr
20Axis Bank Privilege credit cardPrivilegeAxis Bank50/100₹5,152
0.8% rate		nothing – excluded or ₹0Waived ₹1,7708 domestic/yr
21SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card50/100₹5,019
0.8% rate		nothing – excluded or ₹0Waived ₹1,7694 domestic/yr
22HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank49/100₹6,930
1.1% rate		nothing – excluded or ₹0You pay ₹3,54012 domestic + 12 international/yr
23Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda49/100₹4,530
0.7% rate		nothing – excluded or ₹0Waived ₹5894 domestic/yr
24AU Small Finance Bank Altura Plus credit cardAltura PlusAU Small Finance Bank49/100₹2,160
0.4% rate		nothing – excluded or ₹0Waived ₹5894 domestic/yr
25Kotak Mahindra Bank Zen Signature credit cardZen SignatureKotak Mahindra Bank48/100₹4,439
0.7% rate		nothing – excluded or ₹0Waived ₹1,7708 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 ₹25,000 a month of rent through a rent-payment app on top of the standard profile – every card on CardLens excludes rent from rewards and HDFC, SBI and others now charge a 1% fee, so the ranking shows which card is best for the rest of your spend. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

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Frequently asked questions

Which credit card is best for rent payments in India in Sept 2026?

American Express Platinum Travel ranks first for rent payments on CardLens: no card on CardLens earns rewards on rent (and issuers now add a 1% fee plus the app's 1–2%), so the winner is simply the best card for the rest of the spend – ₹25,752 net a year. HSBC Live+ is second. The ranking is for a stated spend profile and changes with yours.

How does CardLens rank cards for rent payments?

We take the standard Indian cardholder profile, change it to reflect this use (for ₹25,000 a month of rent through a rent-payment app on top of the standard profile – every card on CardLens excludes rent from rewards and HDFC, SBI and others now charge a 1% fee, so the ranking shows which card is best for the rest of your spend), 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.