Best Credit Card for Flipkart Shopping in India (2026)
Find the best credit card for flipkart shopping. Personalized matching based on your spends and approval profile. 6 flipkart shopping cards compared on fees, caps, and net returns for 2026.
Updated 21 June 2026·6 cards · 5 min scan·CardHungry
Top pick · Swiggy BLCK HDFC Bank Credit Card
Net / yr
₹10,080
Annual fee
Free
Return
2.7%
Top picks
Net annual value · moderate spend
Number one pick: Swiggy BLCK HDFC Bank Credit Card, ₹10,080 per year net
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Net / yr
₹10,080
Fee
₹1,000
Top
10%
- ✓Best net value on this list — about ₹10,080/yr in your pocket after fees on typical spends.
- ✓Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
Axis Bank Flipkart Credit Card
Axis Bank
Net / yr
₹9,660
Fee
₹500
Top
5%
- ✓Strong runner-up at ₹9,660/yr net — roughly ₹420 behind #1 on the same spend mix.
- ✓Best for flipkart — 5%, up to ₹4,000/quarter.
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Net / yr
₹10,080
Fee
₹1,000
Top
10%
- ✓Best net value on this list — about ₹10,080/yr in your pocket after fees on typical spends.
- ✓Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
Net / yr
₹7,980
Fee
₹500
Top
5%
- ✓Worth a look — ₹7,980/yr net, still ahead of 3 other eligible cards.
- ✓Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
Why #2–#6 rank here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₹9,660/yr net — roughly ₹420 behind #1 on the same spend mix.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2Axis Bank Flipkart Credit CardAxis Bank
- Strong runner-up at ₹9,660/yr net — roughly ₹420 behind #1 on the same spend mix.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹9,660
- Worth a look — ₹7,980/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
3Swiggy ORNGE HDFC Bank Credit CardHDFC Bank
- Worth a look — ₹7,980/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹7,980
- #4 here with ₹6,481/yr net (~1.74% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4ICICI Amazon Pay Credit CardICICI Bank
- #4 here with ₹6,481/yr net (~1.74% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
₹6,481
- #5 here with ₹6,300/yr net (~1.69% back on your spends).
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
5HDFC Millennia Credit CardHDFC Bank
- #5 here with ₹6,300/yr net (~1.69% back on your spends).
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹6,300
- #6 here with -₹30/yr net (~-0.01% back on your spends).
- Best for groceries — 5% on first ₹1,000/mo.
- Rewards (₹980/yr) still beat the ₹590 fee on this profile.
6RBL Bank ShopRiteRBL Bank
- #6 here with -₹30/yr net (~-0.01% back on your spends).
- Best for groceries — 5% on first ₹1,000/mo.
- Rewards (₹980/yr) still beat the ₹590 fee on this profile.
Full review →Net / yr
-₹30
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Best net value on this list — about ₹10,080/yr in your pocket after fees on typical spends.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
1Swiggy BLCK HDFC Bank Credit CardHDFC Bank
- Best net value on this list — about ₹10,080/yr in your pocket after fees on typical spends.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹10,080
- Strong runner-up at ₹9,660/yr net — roughly ₹420 behind #1 on the same spend mix.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2Axis Bank Flipkart Credit CardAxis Bank
- Strong runner-up at ₹9,660/yr net — roughly ₹420 behind #1 on the same spend mix.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹9,660
- Worth a look — ₹7,980/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
3Swiggy ORNGE HDFC Bank Credit CardHDFC Bank
- Worth a look — ₹7,980/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹7,980
- #4 here with ₹6,481/yr net (~1.74% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4ICICI Amazon Pay Credit CardICICI Bank
- #4 here with ₹6,481/yr net (~1.74% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
₹6,481
- #5 here with ₹6,300/yr net (~1.69% back on your spends).
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
5HDFC Millennia Credit CardHDFC Bank
- #5 here with ₹6,300/yr net (~1.69% back on your spends).
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹6,300
- #6 here with -₹30/yr net (~-0.01% back on your spends).
- Best for groceries — 5% on first ₹1,000/mo.
- Rewards (₹980/yr) still beat the ₹590 fee on this profile.
6RBL Bank ShopRiteRBL Bank
- #6 here with -₹30/yr net (~-0.01% back on your spends).
- Best for groceries — 5% on first ₹1,000/mo.
- Rewards (₹980/yr) still beat the ₹590 fee on this profile.
Full review →Net / yr
-₹30
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Swiggy BLCK HDFC Bank Credit Card₹10,080#1Swiggy BLCK HDFC Bank Credit Card₹10,080
- #2Axis Bank Flipkart Credit Card₹9,660#2Axis Bank Flipkart Credit Card₹9,660
- #3Swiggy ORNGE HDFC Bank Credit Card₹7,980#3Swiggy ORNGE HDFC Bank Credit Card₹7,980
- #4ICICI Amazon Pay Credit Card₹6,481#4ICICI Amazon Pay Credit Card₹6,481
- #5HDFC Millennia Credit Card₹6,300#5HDFC Millennia Credit Card₹6,300
Before you apply
Category fit first
This guide ranks flipkart shopping cards by net annual value — pick the one that matches your real spends in this category.
Net value over hype
Subtract annual fees and model monthly caps before comparing headline reward rates.
Apply once
One well-matched application beats multiple CIBIL enquiries in the same month.
Frequently asked questions
Which credit card is best for flipkart shopping in India?+
No single winner — it depends on monthly flipkart shopping spend, caps, and fee structure. This guide compares 6+ cards by net annual value.
Are reward caps important for flipkart shopping cards?+
Critical. A high rate with a low cap often loses to a lower unlimited rate. Always convert caps to absolute annual currency.
Do flipkart shopping cards work with wallets and QR payments?+
Often not. Wallet loads, rent, EMI, and government payments are commonly excluded. Check issuer MCC exclusions before applying.
Can I hold multiple flipkart shopping cards?+
Yes, but one primary flipkart shopping card plus a general-purpose backup is usually optimal. Diminishing returns after that.
Will CardHungry spam me after I apply?+
No. Zero outbound sales calls. Optional email updates capped at 2 messages. One-click unsubscribe.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Looking for the best credit card for flipkart shopping in India? Generic top-10 listicles ignore your income, monthly caps, excluded MCCs, and whether you can actually get approved. This CardHungry guide analyses 6 leading cards with reward rules, net annual value across three spend profiles, exclusions, and who each card suits best — updated June 2026.
Flipkart co-brand cards (Axis Flipkart) reward Flipkart and partner spends heavily. If your online basket is diversified, compare net value against SBI Cashback or HDFC Millennia before committing to a single-ecosystem card.
On this page
What matters for flipkart shopping cards
- Effective rate after caps — divide annual cap by annual spend to get true yield.
- Category MCC coding — some merchants classify as "general" not "flipkart shopping".
- Partner lock-in — co-brand cards only win at specific merchants.
- Annual fee breakeven — fee must be recovered from flipkart shopping rewards alone or cross-category value.
- Stacking rules — most issuers forbid combining offers; read T&Cs.
Annual fee breakeven example
If a card charges ₹999/year and offers 5% on flipkart shopping with a ₹5,000/month cap, maximum flipkart shopping rewards = ₹6,000/year. Net after fee = ₹5,001 — but only if you actually hit the cap every month. Partial spends reduce this sharply.
Net value by spend profile
| Card | Light spender | Moderate | Heavy |
|---|---|---|---|
| Swiggy BLCK HDFC Bank Credit Card | ₹3,080 | ₹10,080 | ₹21,960 |
| Axis Bank Flipkart Credit Card | ₹3,370 | ₹9,660 | ₹20,436 |
| Swiggy ORNGE HDFC Bank Credit Card | ₹3,360 | ₹7,980 | ₹17,760 |
| ICICI Amazon Pay Credit Card | ₹2,640 | ₹6,481 | ₹15,125 |
| HDFC Millennia Credit Card | ₹2,640 | ₹6,300 | ₹14,400 |
Net annual value after annual fee and estimated forex. Caps applied per issuer T&Cs.
Top flipkart shopping credit cards — full breakdown
1. Swiggy BLCK HDFC Bank Credit Card
Issuer: HDFC Bank · Tier: Platinum · Annual fee: ₹1,000
Max Swiggy cashback
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- dining: 10% cashback — cap ₹1,500/month (Swiggy only)
- online shopping: 5% cashback — cap ₹1,500/month (Swiggy, Instamart only)
- all: 1% cashback — cap ₹1,000/month
Headline highlight: 10% on Swiggy / Instamart / Dineout (cap ₹1,500/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹10,500
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹10,080 (2.71% effective return)
Key benefits
- 10% Swiggy cashback
- 5% on online spends
- 3-month Swiggy BLCK membership
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet loads.
Best for: Heavy Swiggy & Instamart users · Food delivery maximizers
Read full Swiggy BLCK HDFC Bank Credit Card review with spend simulator →
2. Axis Bank Flipkart Credit Card
Issuer: Axis Bank · Tier: Gold · Annual fee: ₹500 · Signup bonus: ₹500
Flipkart native
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap ₹1,333/month (Flipkart only)
- online shopping: 7.5% cashback — cap ₹1,333/month (Myntra only)
- all: 1.5% cashback
Headline highlight: 5% on Flipkart (cap ₹4,000/quarter)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹10,080
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹9,660 (2.6% effective return)
Key benefits
- 5% on Flipkart
- 7.5% on Myntra
- 1.5% unlimited on other spends
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Insurance.
Best for: Flipkart/Myntra shoppers · Preferred partner spenders
Read full Axis Bank Flipkart Credit Card review with spend simulator →
3. Swiggy ORNGE HDFC Bank Credit Card
Issuer: HDFC Bank · Tier: Gold · Annual fee: ₹500
Entry Swiggy tier
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- dining: 5% cashback — cap ₹1,500/month (Swiggy only)
- online shopping: 5% cashback — cap ₹1,500/month (Swiggy, Instamart only)
- all: 1% cashback — cap ₹1,000/month
Headline highlight: 5% on Swiggy / Instamart / Dineout (cap ₹1,500/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹8,400
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹7,980 (2.15% effective return)
Key benefits
- 5% Swiggy cashback
- 5% on online spends
- 12-month Swiggy One membership
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet loads.
Best for: Swiggy & Instamart users · Moderate food delivery spenders
Read full Swiggy ORNGE HDFC Bank Credit Card review with spend simulator →
4. ICICI Amazon Pay Credit Card
Issuer: ICICI Bank · Tier: Gold · Annual fee: Lifetime free
Amazon native
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback (Amazon only)
- online shopping: 3% cashback (Amazon only)
- all: 1% cashback
Headline highlight: 5% on Amazon (Prime)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹6,720
- Annual fee: −₹0
- Forex markup cost (est.): −₹239 (1.99% on international spends)
- Net annual value: ₹6,481 (1.74% effective return)
Key benefits
- 5% on Amazon for Prime
- 2% on Amazon non-Prime
- Lifetime free
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Jewellery.
Best for: Amazon Prime members · Amazon-heavy shoppers · Lifetime-free seekers
Read full ICICI Amazon Pay Credit Card review with spend simulator →
5. HDFC Millennia Credit Card
Issuer: HDFC Bank · Tier: Gold · Annual fee: ₹1,000 · Signup bonus: ₹1,000
Millennial favourite
Eligibility snapshot
- Min monthly income (salaried): ₹35,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap ₹1,000/month
- travel: 5% cashback — cap ₹1,000/month
- all: 1% cashback
Headline highlight: 5% on SmartBuy partners (cap ₹1,000/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹6,720
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹6,300 (1.69% effective return)
Key benefits
- 5% on partners
- 1% cashback on other spends
- SmartBuy rewards
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Government.
Best for: SmartBuy portal users · ₹35K+ income · Partner deal hunters
Read full HDFC Millennia Credit Card review with spend simulator →
6. RBL Bank ShopRite
Issuer: RBL Bank · Tier: Classic · Annual fee: ₹500
Grocery saver
Eligibility snapshot
- Min monthly income (salaried): ₹15,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- groceries: 5% cashback — cap ₹1,000/month
- all: 1X points
Headline highlight: 5% on first ₹1,000/mo on Groceries
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹980
- Annual fee: −₹590
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: -₹30 (-0.01% effective return)
Key benefits
- Lifetime free
- 5% on first ₹1000 grocery spend monthly
- Easy approval
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent.
Best for: Grocery shoppers · First-time card users · Low income
Read full RBL Bank ShopRite review with spend simulator →
Common flipkart shopping card mistakes
- Choosing a partner card when you split spends across merchants.
- Ignoring wallet-load exclusions (PhonePe/Paytm loads often earn zero).
- Paying annual fee without hitting fee-waiver spend threshold.
- Assuming surcharge waiver equals reward rate (fuel cards).
Compare before you apply
Headline rates mislead. Compare your top two picks side-by-side or use the 2-minute quiz for a ranked shortlist including cards you may not have considered.
Disclaimer
Reward rates, caps, and fees sourced from issuer public T&Cs as of June 2026. CardHungry is a third-party platform — not a bank, not a credit bureau. Approval not guaranteed. We earn commission if approved — at no cost to you. Zero sales calls.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.