Managing tax payments with a credit card can offer several benefits, such as reward earnings, extended payment capacity, and simplified payment procedure. However, many credit cards exclude tax payments from their rewards programs, thus limiting the value-back options on such payments. Nevertheless, there are still some card options available, including business credit cards which often offer better value for tax-related transactions with higher rewards rates and more favourable terms. Selecting the best credit card to pay taxes can make a significant difference in how much you pay over time by reducing costs and maximising rewards. Read on to know which credit cards are best for paying taxes to help you make an informed decision about your financial needs.
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Best Credit Cards for Tax Payments in India
HDFC Bank Biz Black Credit Card Joining fee: ₹10000 Annual/Renewal Fee: ₹10000 5X reward points on select business spends Product Details YES Private Credit Card Joining fee: ₹50000 Annual/Renewal Fee: ₹10000 Unlimited airport lounge access with 12 guest visits and 0.5% forex markup Up to 2.5 lakh Reward points & Rs. 9,000 Oberoi voucher on joining Product Details Cashback SBI Card Joining fee: ₹999 Annual/Renewal Fee: ₹999 5% cashback on all online spends 1% cashback across all offline spends Product Details HSBC Premier MasterCard Credit Card Joining fee: ₹12000 Annual/Renewal Fee: ₹20000 3% reward rate on all spends Unlimited lounge access Product Details Times Black ICICI Bank Credit Card Joining fee: ₹20000 Annual/Renewal Fee: ₹20000 Unlimited airport lounge access Luxury lifestyle offers and milestone benefits worth Rs. 70,000 AU Zenith+ Credit Card Joining fee: ₹4999 Annual/Renewal Fee: ₹4999 2X reward points on travel, dining and international spends 16 complimentary international and domestic lounge access every year Product Details Standard Chartered Ultimate Credit Card Joining fee: ₹5000 Annual/Renewal Fee: ₹5000 5 rewards per Rs. 150 spent with 1:1 redemption ratio 5% cashback up to Rs. 1,000 on all duty-free spends Product Details Standard Chartered Smart Credit Card Joining fee: ₹499 Annual/Renewal Fee: ₹499 2X cashback on online spends Low interest of 0.99% per month on credit card EMIs Product Details
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Best Credit Cards for Tax Payments in India 2025
Here are the top credit cards that reward you with decent value-back on making tax payments:
1. HDFC Bank Biz Black Metal Edition Credit Card
Value-back on Tax Payments: Up to 16.67%
Joining Fee: Rs. 10,000 (Waived on spending Rs. 1.5 lakh within 90 days of card issuance)
Annual Fee: Rs. 10,000 (Waived on spending Rs. 7.5 lakh in a year)
Key Features and Benefits:
- 5X reward points on select business spends, including tax payments, bills, SmartBuy, etc.
- 5 reward points per Rs. 150 spent; 1 Reward Point = Up to Rs. 1
- Unlimited visits to domestic and international airport lounges
- 6 complimentary golf games worldwide every calendar quarter
- SmartBuy offers with up to 40% savings on software-related and business travel spends
- MMT MyBiz offers with 4% savings on travel bookings and access to other travel facilities
- Annual Club Marriott membership and Rs. 5,000 Taj Stay voucher as spend-based welcome bonus
- Rs. 5,000 Taj Stay or SmartBuy flight voucher on Rs. 5 lakh annual spends
2. YES Bank Private Credit Card
Value-back on Tax Payments: Up to 5%
Joining Fee: Rs. 50,000
Annual Fee: Rs. 10,000
Key Features and Benefits:
- 20 reward points per Rs. 200 spent on domestic purchases
- 40 reward points per Rs. 200 spent on international purchases
- Unlimited domestic and international lounge visits with 12 guest visits to each per year
- Low forex mark-up fee of 0.5%
- Up to 2.5 lakh reward points and Oberoi voucher worth Rs. 9,000 as welcome benefit
- $100 savings per person on Globus and Monogram Vacations
- Up to $75 savings per person on Avalon Waterways cruise bookings
- Up to 35% off on card rentals with Avis and Hertz Card Rental
- Discount offers on private air charter bookings
- Hotel benefits like room upgrades, complimentary breakfast, hotel credits, etc. at top global hotels
3. Cashback SBI Credit Card
Value-back on Tax Payments: Up to 5%
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived off on spending Rs. 2 lakh in a year)
Key Features and Benefits:
- 5% cashback on online spends
- 1% cashback on all offline spends
- 1% fuel surcharge waiver on fuel transactions made across all petrol pumps in India
4. HSBC Premier Credit Card
Value-back on Tax Payments: Up to 3%
Joining Fee: Rs. 12,000
Annual Fee: Rs. 20,000
Key Features and Benefits:
- 3 reward points per Rs. 100 spent, redeemable in 1:1 ratio for points-to-miles conversion and Apple products
- Low forex mark-up fee of 0.99%
- Unlimited domestic and international lounge visits with 8 guest visits to international lounges
- Complimentary Taj Epicure and EazyDiner Prime memberships with Rs. 12,000 Taj Experiences gift card on joining
- Buy 1 get 1 offer on movie tickets via BookMyShow
- Up to 30% off on dining via EazyDiner
5. Times Black ICICI Bank Credit Card
Value-back on Tax Payments: Up to 2.5%
Joining Fee: Rs. 20,000
Annual Fee: Rs. 20,000 (waived on spending Rs. 25 lakh in a year)
Key Features and Benefits:
- 2.5% reward points on international and 2% on domestic spends
- Low forex mark-up fee of 1.49%
- Unlimited access to international and domestic airport lounges
- Annual Zomato Gold membership, access to The Quorum Club, Rs. 10,000 EaseMyTrip voucher, Rs. 10,000 Travel Visa benefits and Rs. 4,000 Toni&Guy and Interflora vouchers on joining
- Milestone benefits worth Rs. 50,000 per year as Tata CLiQ voucher, luxury hotel stay, airport transfers, etc.
6. AU Zenith+ Credit Card
Value-back on Tax Payments: Up to 2%
Joining Fee: Rs. 4,999
Annual Fee: Rs. 4,999 (Waived on spending Rs. 8 lakh in a year)
Key Features and Benefits:
- 2 reward points per Rs. 100 spent on travel, dining and international purchases
- 1 reward point per Rs. 100 spent on other categories, 1 Reward Point = Rs. 1
- 16 visits each to domestic and international airport lounges respectively, every year
- Low forex mark-up fee of 0.99%
- Up to 16 free movie/event tickets via BookMyShow every year
- 8 complimentary golf games/ lessons per year
- Joining bonus worth Rs. 5,000
- 1,000 reward points every month and Taj Epicure membership as milestone benefits
7. Standard Chartered Ultimate Credit Card
Value-back on Tax Payments: 2%
Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000
Key Features and Benefits:
- 5 reward points per Rs. 150 spent; 1 Reward Point = Rs. 1
- 3 reward points per Rs. 150 spent on government payments, utilities, insurance, supermarkets, property management and school-related spends
- 5% cashback on duty-free spends
- 1 complimentary golf game and coaching session per month
- Low forex mark-up fee of 2%
- 4 complimentary domestic airport lounge visits per quarter
- Priority Pass membership with 1 lounge visit per month, based on monthly spends
8. Standard Chartered Smart Credit Card
Value-back on Tax Payments: Up to 2%
Joining Fee: Rs. 499
Annual Fee: Rs. 499 (Waived off on spending Rs. 1.2 lakh in a year)
Key Features and Benefits:
- 2% cashback on online spends
- 1% cashback on all offline transactions
9. YES Bank First Business Credit Card
Value-back on Tax Payments: Up to 2%
Joining Fee: Rs. 999
Annual Fee: Rs. 999 (Waived on spending Rs. 3 lakh in a year)
Key Features and Benefits:
- 16 YES Rewardz Points per Rs. 200 spent on air tickets, hotel bookings, dining, travel spends and rented vehicles
- 8 YES Rewardz Points per Rs. 200 spent, except on select categories
- 4 YES Rewardz Points per Rs. 200 spent on select categories, including tax payments
- 6 international airport lounge visits per year
- 2 domestic airport lounge visits per quarter
- 1 golf lesson per month and 4 green fee waivers at select golf courses in India
- Low forex mark-up fee of 1.75%
- Joining fee waived on reaching Rs. 20,000 spends within 30 days of card set-up