Best Credit Cards for Education Payments in India
Education is a significant investment, and managing expenses like tuition fees, online courses, or educational materials can be financially demanding. Fortunately, certain credit cards in India offer rewards, cashback, or discounts on education-related payments, helping you save money while funding your or your child’s academic journey. This blog highlights the best credit cards for education payments and explains how to maximize their benefits.
Why Use Credit Cards for Education Payments?
Credit cards provide a convenient way to manage large education expenses while earning rewards on every transaction. Many cards offer cashback, reward points, or discounts on online payments, which often include tuition fees, course subscriptions, and educational purchases. Additionally, some cards partner with educational platforms to offer exclusive discounts, making them ideal for students and parents. Here’s the list of top credit cards for education payments which also include schools and colleges.
Top Credit Cards for Education Payments
Axis Burgundy Credit Card
This card offers a tiered reward structure designed for high spenders. For monthly spends up to ₹1.5 lakh, it offers 12 EDGE Points per ₹200, translating to a 6% reward rate when transferred to travel partners like Air India or Accor at a 5:4 ratio (5 EDGE Points = 4 partner miles). Once the ₹1.5 lakh threshold is crossed, the reward rate jumps to 35 EDGE Points per ₹200 on additional spends, delivering an impressive 17.5% return.
Axis Atlas Credit Card
The Axis Atlas Credit Card offers a straightforward reward structure, earning 2 Edge Miles for every ₹100 spent on non-category transactions. These miles can be transferred to travel partners like Accor, Taj, and many more, translating to a 4% reward rate on all spends.
Amex Platinum Travel Credit Card
While the Amex Platinum Travel Credit Card provides a modest base reward of 2 Membership Rewards (MR) points per ₹100, its true value lies in its milestone benefits. Spending ₹4 lakh annually unlocks rewards worth 8–10% of the total spend, including Taj vouchers.
HDFC Infinia Metal Credit Card
The HDFC Infinia Metal Credit Card excludes reward points for education payments made via third-party apps like CRED or Cheq. However, transactions processed directly through educational portals, university websites, or their POS terminals earn rewards at the standard rate of 3.3% (5 Reward Points per ₹150).
Standard Chartered Ultimate Credit Card
Earns 3 reward points/₹150 spent (2% reward rate) on all transactions, including education payments via third-party apps or direct portals. No exclusions for platforms like CRED/Cheq.
Tata Neu Infinity HDFC Credit Card
NeuCoins (1.5% reward) are excluded for education payments via third-party apps (CRED, MobiKwik, etc.), however, you can earn rewards by paying directly through school/college websites or POS terminals.
Conclusion
Choosing the right credit card for education payments can turn routine expenses into rewarding experiences. Cards like the Amex Platinum Travel or Axis Burgundy and many others offer tailored benefits for students and parents. Pairing these cards with a higher credit limit ensures you can comfortably manage large payments while earning savings.
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