Saifu
Saifu
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Best card by app

Best credit card for Ola

Reviewed by Chandan Kumar Dash · Card terms as of 6 October 2026

Quick answer. For ₹5,000 a month on Ola, Standard Chartered DigiSmart returns about ₹7,200 a year, or ₹6,612 after its ₹588 annual fee. At ₹15,000 a month, Paisabazaar PaisaSave leads with ₹10,800 a year after the fee. With no annual fee, Fibe Axis Bank returns ₹1,800 a year.

Most back at ₹5,000 a monthStandard Chartered DigiSmart₹6,612 a year after the fee
Most back at ₹15,000 a monthPaisabazaar PaisaSave₹10,800 a year after the fee
Best with no annual feeFibe Axis Bank₹1,800 a year

Pick your monthly Ola spend

₹5,000 a month on Ola
#CardRewards a yearAnnual feeNet a yearLink
1Standard Chartered DigiSmartStandard Chartered Bank India₹7,200₹588₹6,612Bank page
2OLA Money SBI CardSBI Card₹4,200₹499₹3,701Bank page
3Paisabazaar PaisaSaveYES Bank₹3,600₹499₹3,101Bank page
4Swiggy HDFCHDFC Bank₹3,000₹500₹2,500Apply
5Axis Bank ACEAxis Bank₹2,400₹499₹1,901Apply
6Fibe Axis BankAxis Bank₹1,800Free₹1,800Bank page
7PhonePe SBI Card SELECT BLACKSBI Card₹3,000₹1,499₹1,501Bank page
8CheQ AUAU Small Finance Bank₹1,500Free₹1,500Bank page
9Standard Chartered EaseMyTripStandard Chartered Bank India₹1,500Free₹1,500Bank page
10PVR INOX KotakKotak Mahindra Bank₹1,800₹499₹1,301Bank page

Rewards a year: what the card pays back on Ola alone, counting monthly caps. Net: rewards minus the annual fee. Many fees are waived once your total yearly spend on the card crosses the bank's limit; see each card's page.

Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked.

Questions

Which credit card gives the most back on Ola?

At ₹5,000 a month, Standard Chartered DigiSmart gives the most after its annual fee: about ₹6,612 a year. The answer changes with how much you spend, because most cards cap their extra rewards each month.

Is there a lifetime free card for Ola?

Fibe Axis Bank charges no annual fee and returns about ₹1,800 a year on ₹5,000 a month of Ola spends.

How does Saifu work these figures out?

Each card's reward rules, caps and exclusions from its bank's terms are run on three months of Ola spends at each amount, then scaled to a year. Only Ola spends count towards the caps here; if your other spends share the same cap, you get less.

See also: best cards by type, find a card for all your spends, compare two cards.

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