Listening to music has become an essential part of our daily life. Whether commuting, working, or relaxing, streaming platforms like Spotify, Gaana, JioSaavn, Wynk, and YouTube Music make it easy to enjoy your favorite songs.
Many credit cards in India now provide free subscriptions, discounts, or reward points for music and streaming services, helping you save money while enjoying your playlists.
In this blog, we will explore the best credit cards for music streaming in 2025, their features, perks, and tips to maximize benefits.
Why You Should Consider a Music / Streaming Credit Card
A music-friendly credit card is useful if you:
- Pay for multiple music subscriptions monthly
- Spend on online streaming platforms regularly
- Want additional perks like cashback or reward points for subscription payments
- Enjoy bundled entertainment benefits like movies, dining, or OTT subscriptions
Using the right card can save you hundreds or even thousands of rupees annually.
Key Features to Look For
Before choosing a card, check for:
- Free / Discounted Subscriptions – Platforms like Spotify Premium, Gaana Plus, JioSaavn Pro, or YouTube Music.
- Reward Points on Streaming Payments – Earn points that can be redeemed for shopping, travel, or dining.
- Recurring vs One-Time Benefits – Ensure perks are not limited to a welcome offer.
- Additional Entertainment Benefits – Movie ticket offers, dining discounts, or OTT subscription bundles.
- Annual Fee vs Perks – Compare the annual cost of the card with the value of benefits offered.
Top Credit Cards for Music & Streaming in 2025
1. ICICI Amazon Pay Credit Card
- Annual Fee: ₹499
- Benefits: Free Amazon Prime subscription, which includes Prime Music and Prime Video.
- Extra Perks: Reward points on all online and offline purchases, including subscription payments.
Why it’s good: Ideal for those who stream music and movies on Amazon Prime frequently. Combines online shopping rewards with streaming benefits.
2. Axis Bank My Zone Credit Card
- Annual Fee: ₹500 (sometimes lifetime free for select offers)
- Benefits: Sony LIV subscription included (covers music, movies, and shows).
- Extra Perks: Cashback on online and food delivery payments, BookMyShow discounts.
Why it’s good: Budget-friendly card with both music and movie benefits, perfect for young professionals.
3. HDFC Diners Club Privilege Credit Card
- Annual Fee: ₹2,500 + taxes
- Benefits: Free Times Prime subscription, which includes music and OTT streaming.
- Extra Perks: Reward points on all spends, lounge access, dining and travel offers, BOGO movie tickets.
Why it’s good: A premium option for those who want both streaming benefits and lifestyle perks.
4. HDFC Bank Diners Club Black Credit Card
- Annual Fee: ₹10,000 + taxes
- Benefits: Amazon Prime + Times Prime subscriptions included.
- Extra Perks: Reward points on entertainment spends, unlimited airport lounge access, golf & travel benefits.
Why it’s good: Great for high spenders who want all-in-one entertainment and lifestyle benefits.
5. Axis Bank Magnus Credit Card
- Annual Fee: ₹30,000 + taxes (fee can be waived based on spending)
- Benefits: Complimentary streaming subscriptions via select entertainment portals.
- Extra Perks: Travel benefits, airport lounge access, premium dining discounts, and high reward points on all spends.
Why it’s good: Super-premium option for users who want a full suite of entertainment and travel perks.
Tips to Maximize Music & Streaming Card Benefits
- Use your credit card as the default payment method for streaming subscriptions.
- Check recurring vs welcome perks to ensure continuous benefits.
- Combine reward points earned from subscriptions with other redemption options like movies, dining, or travel.
- Leverage additional perks like movie ticket discounts, dining vouchers, or free OTT subscriptions.
- Monitor annual fees vs total savings to ensure the card is worth it.
Pros & Cons of Music-Friendly Credit Cards
Conclusion
Music-friendly credit cards are ideal for streaming enthusiasts who want to save money and enjoy added perks. Cards like ICICI Amazon Pay, Axis My Zone, and HDFC Diners Club Privilege provide real value for frequent music and movie lovers.