All categories
Cards ranked for travel
By effective returncashback · category specialist · excl. cash advance, education, emi, fuel, govt payments, insurance, jewelry, rent, utility, wallet load
10%
cap: ₹500/mo
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
VerifiedAbout travel rewards
Flights, hotels, and travel bookings. Most transactions in this category route through merchant category codes 4511, 4722, 7011, which is how reward rules identify them. The Axis Bank Magnus Burgundy leads for travel today at 48% effective return. Tapwise tracks reward coverage at 9 travel merchants.
What you would earn
Example calculationA ₹1,200 travel purchase
₹576 reward
Axis Bank Magnus Burgundy, 48% effective miles. Once you cross ₹2,00,000 of reward this month, the rule stops paying.
Frequently asked
5 questionsWhich credit card earns the most on travel in India?
The Axis Bank Magnus Burgundy earns 48% effective return on travel, the highest of the 8 cards Tapwise tracks in this category. Reward is capped at ₹2,00,000 per month.
Which MCC codes count as travel?
Tapwise treats merchant category codes 4511, 4722, 7011 as travel when matching reward rules. Card networks assign the MCC at the merchant level, so the same purchase will be tagged the same way across cards.
How many travel cards have a category-specific reward?
7 of the 8 ranked cards have a rule specifically for travel. The rest fall back to their base rate at this category.
Which merchants count as travel on Tapwise?
Common travel merchants include Air India, EaseMyTrip, Goibibo. See the merchant list on this page for the full set; each has its own dedicated reward breakdown.
How often does Tapwise update travel reward data?
Reward rules are re-checked weekly against issuer documents. The "verified" badge on a card means the rule was hand-reviewed; "approximate" means our team is still finalising it and we use conservative defaults so users see at least as much reward as we promise.