Quick answer. For ₹5,000 a month on bill payments on Google Pay, HSBC Live+ returns about ₹6,000 a year, or ₹5,001 after its ₹999 annual fee. With no annual fee, Zaggle returns ₹1,200 a year.
Most back at ₹5,000 a monthHSBC Live+₹5,001 a year after the fee
Most back at ₹15,000 a monthHSBC Live+₹13,941 a year after the fee
Rewards a year: what the card pays back on bill payments on Google Pay 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.
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Questions
Which credit card gives the most back on bill payments on Google Pay?
At ₹5,000 a month, HSBC Live+ gives the most after its annual fee: about ₹5,001 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 bill payments on Google Pay?
Zaggle charges no annual fee and returns about ₹1,200 a year on ₹5,000 a month of bill payments on Google Pay 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 bill payments on Google Pay spends at each amount, then scaled to a year. Only bill payments on Google Pay spends count towards the caps here; if your other spends share the same cap, you get less.