All merchants
Cards ranked for Spotify
By effective returnmiles · base rate fallback · excl. rent, fuel, utility, insurance, wallet load, education, govt payments
7%
cap: none
Verifiedmiles · base rate fallback · excl. rent, fuel, utility, insurance
4%
cap: none
Verifiedreward points · base rate fallback · excl. rent, fuel, wallet load, tax, emi, education, govt
3.3%
cap: none
Verifiedcashback · base rate fallback · excl. fuel, rent, utility, insurance, wallet load, govt payments
3.3%
cap: none
VerifiedHow rewards work at Spotify
Spotify is a streaming platform in India. Card networks route most Spotify purchases as MCC 4899, which is how reward rules decide whether a transaction qualifies. No card has a Spotify-specific reward right now, so the best return comes from cards that pay well on streaming as a category, led by the Axis Bank Reserve at 7%.
What you would earn
Example calculationA ₹1,200 order at Spotify
₹84 reward
Axis Bank Reserve, 7% effective miles.
Frequently asked
3 questionsWhich credit card earns the most rewards at Spotify?
The Axis Bank Reserve earns 7% effective return on Spotify, the highest of the 8 cards Tapwise tracks at this merchant.
What MCC code does Spotify use?
Spotify is routed by card networks as MCC 4899. Reward rules use the MCC to decide whether a transaction qualifies for a category-level reward.
How often does Tapwise update Spotify 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.