July 22, 2025 · 10 mins read
Santhosh Kumar
Credit Cards In Today’s Indian economy, credit cards are one of the most popular modes of payment for any activity, whether dining out or traveling. Credit cards can be useful. In and around India, credit cards are also used in order to make Rental payments with ease. Convenience is the topmost priority when it comes to paying rent in India via credit cards. Credit cards are, in any case, known to be the most popular way of paying rent to landlords in India, making it a significant market for citizens to participate in.
In today's Indian economy, particularly in the nation's metropolitan cities, renting properties is the norm. Whether you are a student, a working adult, or a married individual, renting a home for yourself is the first item on the checklist. While for many this may not be a major concern, for individuals starting out, they often lack sufficient funds to cover the upfront costs of a rental property, including brokerage fees, if applicable. At moments like these, credit cards play a vital role as a helping hand for individuals wanting to rent properties in India. A credit offers the following while paying rent in India:
1: Flexibility
2: Convenience
3: Rewards
While credit cards are known to be highly helpful when renting in India, a few factors, such as Service Fees, impact on credit score, and financial discipline, must be considered before moving ahead.
Many credit cards in India offer discounts and benefits when renting a property, and some of the best include the Standard Chartered Smart Credit Card, Club Vistara IDFC First Credit Card, and Club Vistara SBI Card Prime. Although many more are included in this list of the best credit cards to pay rent in India, one notable name is the Marriott Bonvoy HDFC Bank Credit Card. It is known to be the most underrated credit card for paying rent in and around India.
A few steps are required to be followed to pay rent via credit cards in India, and they are as follows:
1: You are required to opt for a rent payment platform, such as NoBroker, etc.
2: You are then asked to set up an account with the Rent Payment Platform.
3: As a renter, you are required to enter your Credit Card Payment Details.
4: Once you have entered the credit card payment details, you are required to confirm your payment.
5: Once the payment is confirmed, you can also track your payment.
All of the above is acknowledged IF the landlord accepts credit card payments.
It is worth noting that paying rent with a credit card incurs a Fee, which typically ranges between 1% and 3% of the total rent amount. This amount is typically charged by the payment platform you use for the payment.
A few important details are required by the payer to successfully conduct the rental payment in India via Credit cards, and those important details are as follows:
Payer’s Payment Details-
1: Card Number
2: Expiration Date
3: CVV Code
Landlord’s Payment Details-
1: Contact Number
2: PAN Details
3: Bank Account Number
4: IFSC Code
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While there are many options available in the market, a few credit cards stand out for citizens of this country when it comes to paying rent with a credit card. As mentioned earlier, while there are quite a few, a few stand out in the market. Still, they are also called "underrated", and now it's time to unfold those underrated credit cards and their beautiful, innovative features.
HDFC Bank: Marriott Bonvoy HDFC Bank Credit Card - If the monthly rental payments are high, the Marriott Bonvoy HDFC Bank Credit Card is often considered the best option. The Marriott Bonvoy HDFC Bank CC is known to be the best option for individuals or renters who are keen on earning free Night Awards by making high rent payments. Individuals must be at least 21 years of age and 60 years of age to apply for the Marriott Bonvoy HDFC Bank Credit Card.
Joining & Annual Fee: Yes, the Marriott Bonvoy HDFC Bank credit card has an annual fee of ₹3,000 plus GST.
Processing Fee: Upon making rental payments via the Marriott Bonvoy HDFC Bank CC, renters are charged a processing fee of 1% plus GST.
Returns: A good return of 0.8% to 3.2% is calculated as the returns achieved upon conducting a rental payment via the Marriott Bonvoy HDFC Bank CC.
1: Milestone Rewards
2: Domestic Airport Lounge Access
3: International Airport Lounge Access
4: Golf Games/Lessons
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Standard Chartered: Standard Chartered Ultimate Credit Card - The Standard Chartered Ultimate Credit Card is recognized as the best credit card for making rental payments in India, offering a high percentage of rewards. The SC Ultimate Credit card is best known for users seeking uncapped returns upon making rental payments, all of which can be redeemed via gift vouchers.
Annual Fee: Upon applying for the Standard Chartered Ultimate Credit Card, individuals are charged an annual fee of RS. 3,000 plus GST.
Joining Fee: A joining fee of RS. A minimum of 5,000 is required to be considered and paid by the renter to qualify for the Best Standard Chartered Ultimate Credit Card.
Processing Fee: Individuals are charged a 1% processing fee plus GST.
Rewards: Individuals shall receive reward points worth 5,000. Upon Rental Payments, individuals shall claim rewards worth 2%.
Returns: Returns worth 2% to 3.3% are claimed by individuals upon usage and applying for the SC Ultimate Credit Card.
1: Domestic Airport Lounge Access
2: International Airport Lounge Access
3: Fuel Surcharge Waiver
4: Golf Games and Lessons
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AMEX Platinum Travel Credit Card - Known to be the most convenient mode of paying rent, the AMEX Platinum Travel Credit Card is the most opted for when it comes to making rental payments, as renters can use UPI to make this payment with their rental credit card. Most citizens are opting for this credit card as it is easier to use via the UPI mode of transaction, allowing for quick transfers of the rent amount and causing no inconvenience. To sum it up, the AMEX Platinum Travel Credit Card is best known for indirect rent payments.
Annual Fee: An annual fee of RS. A minimum of 3,000 is required to be considered by the renters when paying via the American Express Platinum Travel Credit Card.
Joining Fee: No Joining Fee
Processing Fee: Individuals are required to review the processing fee, which is 3% only if paid via MobiKwik.
Returns: Returns of 0.6% to 8.5% are expected.
Rewards: No rewards are achieved upon applying for this credit card or upon making payments. Although Milestone Benefit, worth 40,000 MR Points plus a Taj Voucher, is achieved by the renters upon payment.
1: Milestone Rewards
2: Domestic Airport Lounge Access
3: Fuel Surcharge Waiver
For all the above credit cards and many more, an individual is required to review their CIBIL Score, as it defines the individual's credit behavior when applying for a credit card. No bank is keen on signing an irregular payment pattern from any individual, as it only creates a sense of inconvenience. Hence, individuals are required to check their CIBIL Score before applying for any credit card in and around the nation to make any payments to avoid any inconvenience between transactions and relations between the bank and the individual.
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Utilizing credit cards to make rental payments is highly popular for no less of a good reason. Paying rent via a credit card offers its own benefits, especially for individuals who often face liquidity issues at the end of the month. Individuals can avail themselves of additional benefits that come with it. Those benefits are as follows:
Stress-Free On-Time Payments: With credit cards, individuals can set up autopay to ensure they never miss a monthly rent payment.
Credit Score Boost: If an individual has an unused r credit card limit can utilize it to maintain their credit score.
Reward Points on Credit Cards: When making rental payments via credit cards, individuals can take advantage of attractive cashback offers, reward points, and returns, which are, in their own right, compelling incentives for individuals to continue paying rent via credit cards in India.
Credit cards, being the most popular method of paying rent in today's economy, are a significant market for citizens to participate in. Many citizens of the nation utilize the best credit cards available in the country, as they offer great discounts and cashback rewards upon application and payment to merchants and landlords. An individual's credit score plays a crucial role in determining eligibility for the best credit cards available in the nation. Then, only citizens of the country can utilize this popular option. A few of the best credit cards include the American Express Platinum Travel Credit Card, the Standard Chartered Ultimate Credit Card, and the Club Vistara SBI Card Prime. The cashback offers provided by these credit cards determine whether the credit card is the best option for paying rent in India. Hence, individuals are required to consider these points to make an informed decision before using this option for paying rent in India.
Last but not least, the most underrated credit cards in the country are the Marriott Bonvoy HDFC Bank Credit Card with good returns and cashback offers. The HSFC Bank Credit Card- Marriott Bonvoy comes with multiple benefits for individuals applying for the credit card in order to make rental payments in India.
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Ans: Yes, absolutely. You can pay rent in India via credit cards, as Credit Cards are known to be the most popular method of paying rent in India.
Ans: In order to pay rent in India, via credit cards, individuals are required to opt for the best credit cards in India and which can be identified by the Cashback Offers credit cards claim to offer.
Ans: To pay rent via credit cards in India, individuals are required to choose a rent payment option, set up the account, enter credit card details, confirm the payment, and then are also allowed to track the payment.
Ans: If in any case the annual rent of the individual's rental property exceeds Rs. 1 Lakh, then the individual is required to provide their PAN.
Ans: Paying rent in India via credit cards has its own benefits such as reward points, cashback offers, discounts, and coupons, etc., which individuals can avail upon making transactions via the credit card, especially while making rental payments.
Ans: The Processing fee that Standard Chartered Bank in India includes is 1% plus GST.
Ans: Applications such as CRED, Mobikwik, PayZapp, NoBroker Pay and Redgiraffe
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