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Best Credit Cards for Flipkart & Myntra Shopping in India

Flipkart co-brand cards pay a high rate at the brand but cap it per quarter. Heavy sale-season shoppers may hit the cap.

Ranked for a Flipkart shopper spending ₹20,000 a month there: Flipkart ₹20,000, Other online shopping ₹5,000, Groceries ₹4,000, Everything else ₹6,000. Change these numbers in the calculator. Values are best-case: points at their best redemption value and spend milestones included (vouchers at half of face value).

Top picks

  1. 1

    Cashback SBI Card

    SBI Card · fee ₹999 (waived at this spend)
    ₹12,000a year on flipkart, after fee share
    Rewards ₹16,968Milestones ₹0Fee −₹0All spend: ₹16,968 net
    See official terms Full review
  2. 2

    Swiggy BLCK HDFC Bank

    HDFC Bank · fee ₹1,000 (waived at this spend)
    ₹12,000a year on flipkart, after fee share
    Rewards ₹16,488Milestones ₹0Fee −₹0All spend: ₹16,488 net
    See official terms Full review
  3. 3

    Swiggy Ornge HDFC Bank

    HDFC Bank · fee ₹500 (waived at this spend) min income ≈ ₹20,000/month
    ₹12,000a year on flipkart, after fee share
    Rewards ₹15,528Milestones ₹0Fee −₹0All spend: ₹15,528 net
    See official terms Full review
  4. 4

    Flipkart Axis Bank Credit Card

    Axis Bank · fee ₹500 (waived at this spend) min income ≈ ₹15,000/month
    ₹12,000a year on flipkart, after fee share
    Rewards ₹13,800Milestones ₹0Fee −₹0All spend: ₹13,800 net
    See official terms Full review
  5. 5

    HDFC Millennia

    HDFC Bank · fee ₹1,000 (waived at this spend) min income ≈ ₹35,000/month
    ₹11,330a year on flipkart, after fee share
    Rewards ₹13,800Milestones ₹2,000Fee −₹0All spend: ₹15,800 net
    See official terms Full review
  6. 6

    Standard Chartered Ultimate Credit Card

    Standard Chartered Bank · fee ₹5,000 min income ≈ ₹2,00,000/month
    ₹5,135a year on flipkart, after fee share
    Rewards ₹13,348Milestones ₹0Fee −₹5,000All spend: ₹8,348 net
    See official terms Full review
  7. 7

    Scapia Federal Bank Credit Card

    Federal Bank · fee ₹0 min income ≈ ₹41,667/month
    ₹4,800a year on flipkart, after fee share
    Rewards ₹8,400Milestones ₹0Fee −₹0All spend: ₹8,400 net
    See official terms Full review
  8. 8

    HDFC PIXEL Play

    HDFC Bank · fee ₹500 (waived at this spend)
    ₹4,800a year on flipkart, after fee share
    Rewards ₹7,896Milestones ₹0Fee −₹0All spend: ₹7,896 net
    See official terms Full review

What the numbers show: Cashback SBI Card leads this list at ₹12,000 a year on flipkart after its share of the fee (₹16,968 net on the whole profile), essentially level with Swiggy BLCK HDFC Bank (within ₹0), so treat the order as a tie. This list is ranked on that category only, not on the whole profile.

How to read this ranking

The top four all land at about ₹12,000 a year on ₹20,000 a month of Flipkart spend because each pays 5% on Flipkart. The Flipkart Axis card caps that 5% at ₹4,000 per statement quarter, which would only bind above ₹80,000 of Flipkart spend in a quarter (this persona spends ₹60,000), so it is not limiting here; SBI Cashback and the Swiggy HDFC cards cap online earnings per month (₹2,000 and ₹1,500) and are not limiting at this spend either.

The order among the four therefore comes from the rest of the persona, not from Flipkart: net yearly values are SBI Cashback ₹16,968, Swiggy BLCK ₹16,488, Swiggy ORNGE ₹15,528 and Flipkart Axis ₹13,800, because the Axis card pays only 1% on the ₹5,000 of other online spend, the groceries and the remainder. The Flipkart Axis card earns extra at Myntra (7.5%) and Cleartrip (5%), each with a separate quarterly cap, which this single-merchant persona does not capture; it is the one to look at if Myntra is a regular. Its fee is ₹500 (waived at ₹3.5 lakh annual spend, per the Axis MITC), lower than SBI Cashback at ₹999 and the Swiggy BLCK card at ₹1,000. Axis also added gift-card and toll exclusions from 28 August 2026, so check the current terms.

Figures come from the issuers' own terms as recorded on each card page (sources and check dates are listed there). Estimates, not offers.

Head to head

Questions

How was this "best credit cards for flipkart" list ranked?

We ran a Flipkart shopper spending ₹20,000 a month there (about ₹35,000 a month of card spend in total) through each card's reward rules, caps, fee and milestones and ranked on what each card earns on flipkart alone, after its share of the fee. Affiliate payouts play no part in the ranking.

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