#1₹4,746/yr
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Age 21–60 · From ₹25,000/mo income · Unsecured
Shopping Partners·Axis Bank
Best when you shop Flipkart and Myntra regularly.
Age 21–60 · From ₹25,000/mo income · Unsecured
Key Benefits
All 10 benefits →Flipkart
5%
₹4,000/quarter
Myntra
7.5%
₹4,000/quarter
Cleartrip
5%
₹4,000/quarter
Preferred partners
4%
Swiggy, Uber, PVR, FITPASS — unlimited
Signup bonus: ₹500 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
27 Oct 2026
SBI Cashback Card: Still Worth It After the April 2026 Cap Cut?
The ₹4,000 headline is not 5% on a giant cart. Here’s the new cap in rupees — and when the card is still the right one.
27 Oct 2026
Big Billion Days 2026: Which Credit Card Gives Maximum Cashback on Flipkart?
The “10% unlimited” posts are wrong. Here’s what Axis, ICICI, HDFC, and SBI actually pay on a Flipkart cart — after caps.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Axis Flipkart T&Cs (2026 quarterly cap revision)
Amazon, Flipkart & co-branded accelerators
Visa/Mastercard — UPI credit not supported. Flipkart/Myntra rewards require card or saved-card checkout, not UPI QR.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: Axis Flipkart T&Cs (2026 quarterly cap revision)
Flipkart
Changed2026 revision — was monthly See what changed
5%
Cap: ₹4,000/quarter
Example: ₹4,000/mo spend → ≈ ₹200/mo (max at cap)
Myntra
ChangedRaised from 1% in 2026 See what changed
7.5%
Cap: ₹4,000/quarter
Example: ₹4,000/mo spend → ≈ ₹300/mo (max at cap)
Cleartrip
5%
Cap: ₹4,000/quarter
Example: ₹4,000/mo spend → ≈ ₹200/mo (max at cap)
Preferred partners
Swiggy, Uber, PVR, FITPASS — unlimited
4%
Example: ₹10,000/mo spend → ≈ ₹400/mo
Other spends
ChangedUnlimited cashback; lounge benefit discontinued 2026 See what changed
1%
Example: ₹10,000/mo spend → ≈ ₹100/mo
Fee waiver at
₹3,50,000 annual spend
Based on moderate spend for this market
Est. net annual
₹5,142
per year
Annual fee
Free
per year
Effective return
1.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹500 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.
₹500
Annual / renewal fee
Waived on ₹3,50,000 annual spend
₹500
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹25,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹5,562/year. After the ₹500 annual fee, net value is approximately ₹5,142/year. Use the calculator above to model your own spends.
₹25,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Insurance.
Deeper rankings and comparisons for similar use cases.
Swiggy BLCK HDFC Bank Credit Card
10% · Shopping Partners
Best net value on this list — about ₹4,746/yr in your pocket after fees on typical spends.
Swiggy ORNGE HDFC Bank Credit Card
5% · Shopping Partners
Strong runner-up at ₹4,116/yr net — roughly ₹630 behind #1 on the same spend mix.
ICICI Amazon Pay Credit Card
5% · Shopping Partners
Worth a look — ₹3,793/yr net among the eligible cards on this list.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
