Category
Subscriptions & OTT
Netflix, Prime, Spotify and the software you pay for every month. Cards treat this as ordinary online spend unless they say otherwise.
No card in your wallet earns rewards on subscriptions & ott yet.
When you add a card that does, it will rank here automatically.
Best in market
No Indian issuer runs an accelerator for Netflix, Prime, Spotify or software. Subscriptions bill as ordinary online spend, so whatever your card pays online is what it pays here. That makes the answer simply the best flat online card, and both of these beat every card that claims to be subscription friendly. · Top-tier picks from the whole Indian market, researched 11 Aug 2026.
BOBCARD Cashback
5% on online spend with the most generous cap of the two
₹499 + GST
Subscriptions inherit your online rate, so the question is just which card pays most online. This pays 5% and its accelerated layer runs to roughly ₹37,500 of spend a cycle, which is more headroom than the better known alternative.
The 4% accelerated part is capped at ₹1,500 a statement cycle. The 1% base layer keeps paying above that, so you are never earning nothing, but the good rate does stop.
SBI Card Cashback SBI Card
The same 5%, auto credited, with no merchant conditions at all
₹999 + GST, waived on ₹2L a year
The simplest high rate online card in India. There is no partner list to check and no app to pay through, which matters for subscriptions because they renew silently and you will not be steering each payment.
Capped at ₹2,000 cashback a statement cycle, reached at ₹40,000 of online spend, and online spend past that earns nothing at all rather than dropping to a base rate.
Your wallet · Subscriptions & OTT
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on subscriptions & ott. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on subscriptions & ott at your spend. raw rates, before caps.
Every card in your wallet is excluded from subscriptions & ott. See the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check: does each card pay for itself?
Value is still counted across your whole wallet, not just this category. a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above. The numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.